Effective date: May 20, 2026
1. Acceptance of Terms
By accessing or using this website and any related pages, tools, forms, or services (collectively, the “Site”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the Site.
2. No Mortgage Approval or Legal Advice
Content on the Site is for general informational purposes only and does not constitute a commitment to lend, loan approval, rate lock, legal advice, tax advice, or financial planning advice. Any loan offers are subject to full underwriting, verification, and written approval under applicable guidelines.
3. Eligibility and Lawful Use
You may use the Site only for lawful purposes and in compliance with these Terms. You may not: (a) use the Site to submit false, misleading, or fraudulent information; (b) interfere with or damage the Site or its security; or (c) attempt to gain unauthorized access to any part of the Site or related systems.
4. Intellectual Property
All content on the Site, including text, graphics, logos, icons, images, audio/video clips, software, and design (collectively, “Content”), is owned by HyperSmart Home Loans or its licensors and is protected by copyright, trademark, and other laws. You may view and download Content only for your personal, non-commercial use and may not copy, modify, distribute, or create derivative works without our prior written consent.
5. Online Applications and Information You Provide
When you submit information through forms, applications, or other Site tools, you represent that all information is true, accurate, and complete. You authorize HyperSmart Home Loans to use and share this information as described in our Privacy Policy, including obtaining credit reports and verifying information as needed to process an inquiry or application.
6. Third-Party Links and Services
The Site may contain links to third-party websites or services. These are provided for convenience only, and HyperSmart Home Loans does not control, endorse, or assume responsibility for any third-party content, products, or practices. Your use of third-party sites is at your own risk and subject to their terms and policies.
7. Disclaimers of Warranties
The Site and all Content are provided on an “as is” and “as available” basis without any warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses, or that any information is complete, current, or accurate.
8. Limitation of Liability
To the fullest extent permitted by law, HyperSmart Home Loans and its owners, officers, employees, and agents are not liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of, or inability to use, the Site or any Content, even if advised of the possibility of such damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless HyperSmart Home Loans and its owners, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
10. Privacy and Communications
Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and share personal information. By submitting your contact information, you consent to receive communications from us by phone, text, email, or other methods consistent with your permissions and applicable law, and you may opt out as described in those communications.
11. Changes to Terms
We may update these Terms at any time by posting a revised version on the Site with a new effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
12. Governing Law and Dispute Resolution
These Terms and your use of the Site are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute arising out of or relating to the Site or these Terms will be resolved exclusively in the state or federal courts located in Travis County, Texas, unless otherwise required by applicable law.
13. Contact Information
If you have questions about these Terms & Conditions or the Site, please contact us at:
Kyber Mortgage Corporation dba HyperSmart Home Loans
9050 N. Capital of Texas Hwy, Ste 390
Austin, Texas 78759
licensing@hypersmart.loan
(877) 876-3956