Terms of Use.

Acceptance of Terms

By accessing or using the website located at loansbykiley.com (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use this Site.

These Terms apply to all visitors, users, and others who access or use the Site. They govern your use of the Site and any content, features, or services made available through it — including the contact form, mortgage calculator, and booking tools.

These Terms should be read alongside our Privacy Policy, which explains how we collect and handle your personal information.

About This Website

This Site is operated by Kiley Conner (NMLS# 1453865), a licensed mortgage loan officer operating under Benchmark Mortgage (Company NMLS# 2143), licensed to originate mortgage loans in the state of Arkansas.

The purpose of this Site is to provide general information about mortgage loan products and services, to enable prospective borrowers to contact Kiley, and to provide educational content about the homebuying and mortgage process.

Not Financial or Legal Advice

The content on this Site — including blog posts, articles, calculators, loan program descriptions, rate information, and any other material — is provided for general informational and educational purposes only. It does not constitute financial, legal, tax, or investment advice.

Nothing on this Site should be construed as a recommendation to take any particular action regarding a mortgage, home purchase, refinancing, or any other financial matter. Every borrower’s situation is unique, and the right loan solution depends on individual circumstances that require a personal consultation.

Before making any financial decision — including applying for a mortgage — you should consult with a qualified loan officer, financial advisor, attorney, or other appropriate professional. Kiley is happy to provide that guidance directly through a free consultation.

No Guarantee of Loan Approval

Nothing on this Site constitutes an offer to make a loan, a commitment to lend, or a guarantee of loan approval. Any indication of loan programs, rates, terms, or eligibility criteria is general information only and is subject to change without notice.

Loan approval is subject to credit approval, income verification, property appraisal, satisfactory insurance, and other conditions determined by the lender. Not all applicants will qualify. All loan products are subject to credit and property approval.

Interest rates and programs shown on this Site — including those displayed by the mortgage calculator — are estimates for illustrative purposes only and do not represent actual offers or current rates. Your actual rate will depend on your credit profile, loan type, down payment, property, and current market conditions.

Accuracy of Information

We make reasonable efforts to keep the information on this Site current and accurate. However, mortgage regulations, loan limits, interest rates, program requirements, and market conditions change frequently. We do not warrant that the information on this Site is complete, accurate, or up to date at any given time.

Specifically:

• Loan limits, down payment requirements, and eligibility criteria are subject to annual updates and lender-specific guidelines
• Interest rates displayed are illustrative only and change daily based on market conditions
• Information about down payment assistance programs and state programs may change based on funding availability
• Blog posts and educational content reflect general information that may not apply to your specific situation or jurisdiction

For current, accurate information specific to your situation, please contact Kiley directly.

Acceptable Use

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. You agree not to:

• Submit false, misleading, or fraudulent information through any form on this Site
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Use automated tools, bots, scrapers, or crawlers to collect information from the Site without permission
• Transmit viruses, malware, or any harmful code through the Site
• Use the Site in any way that could damage, overburden, or impair its operation
• Attempt to reverse engineer, copy, or replicate the design, content, or functionality of the Site
• Submit spam, unsolicited commercial communications, or misleading information through contact forms

We reserve the right to refuse service, terminate access, or take appropriate action against anyone who violates these terms.

Intellectual Property

All content on this Site — including but not limited to text, copy, blog posts, images, graphics, the “Loans by Kiley” brand name, design, layout, and code — is the property of Kiley Conner and/or Benchmark Mortgage and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view and print content from this Site for your own personal, non-commercial use. You may not:

• Reproduce, republish, or distribute any content from this Site without prior written permission
• Use content from this Site for commercial purposes without authorization
• Remove or alter any copyright, trademark, or other proprietary notices
• Create derivative works from Site content without permission

If you’d like to share or reference content from this Site, please contact us for permission.

Third-Party Links

This Site may contain links to third-party websites, including Calendly (appointment scheduling), Floify (mortgage application portal), Formspree (contact form processing), Google, and other services. These links are provided for your convenience.

We do not control these third-party sites and are not responsible for their content, privacy practices, or terms of use. The inclusion of a link does not imply our endorsement of that site or any association with its operators.

When you click a link to leave this Site, you do so at your own risk. We encourage you to review the privacy policies and terms of any third-party site you visit.

Disclaimer of Warranties

This Site and all of its content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the accuracy, completeness, or timeliness of any information on the Site
• Warranties that any loan product described on the Site will be available to you or that you will qualify for any program

Some jurisdictions do not allow the exclusion of implied warranties. In those jurisdictions, our liability is limited to the extent permitted by law.

Limitation of Liability

To the fullest extent permitted by applicable law, Kiley Conner and Benchmark Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or its content — including but not limited to:

• Reliance on any information provided on this Site that proves inaccurate or incomplete
• Any decision made based on information from this Site’s calculator, blog posts, or educational content
• Unauthorized access to or alteration of your transmissions or data
• Any interruption or cessation of transmission to or from the Site

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage. In any event, our total liability to you shall not exceed the amount you paid us, if any, for use of this Site.

This limitation does not apply to liability that cannot be excluded or limited under applicable law, including liability for consumer protection rights or personal injury caused by negligence.

NMLS & Licensing Disclosures

Kiley Conner is a licensed mortgage loan originator in the state of Arkansas. Her Nationwide Multistate Licensing System (NMLS) registration number is NMLS# 1453865. Benchmark Mortgage, under which she operates, holds Company NMLS# 2143.

You can verify her license status and the license status of Benchmark Mortgage through the NMLS Consumer Access website:

This Site and its contents are intended only for use by residents of states in which Kiley Conner is licensed to originate mortgage loans. Currently licensed in: Arkansas. Services are not available in states where Kiley is not licensed.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Benton County, Arkansas.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Last Updated” date at the top of this page. Material changes may also be noted with a prominent notice on the Site.

Your continued use of this Site after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you should stop using the Site.

We encourage you to review these Terms periodically. The most current version will always be available at loansbykiley.com/terms.

Contact Us

If you have questions about these Terms, want to request permission to use Site content, or have any other concerns, please contact us: