Terms of Service
Effective Date: 01/31/2026
Last Updated: 02/12/2026
Welcome to Judith Orsulic. These Terms of Service (“Terms”) govern your access to and use of my website, services, and communications, including SMS text messages (collectively, the “Services”).
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
1. Eligibility (Age Restriction)
You must be at least 18 years of age to use this website or submit information through my Services. By using the Services, you represent and warrant that you meet this requirement.
2. Description of Services
Judith Orsulic provides technology-enabled tools and services designed to assist users in exploring mortgage-related options, including information intake, application support, and communication services.
Judith Orsulic does not guarantee loan approval, rates, or terms. All loan products are subject to lender review and approval.
3. SMS Use Cases
By providing your mobile phone number and opting in, you consent to receive SMS text messages from Judith Orsulic. SMS communications may include, but are not limited to:
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Application or inquiry updates
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Appointment confirmations or reminders
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Customer support communications
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Service-related notifications
Message frequency may vary based on user interaction.
4. SMS Consent & Disclosures
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Consent to receive SMS messages is not a condition of purchase
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Message and data rates may apply
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Messages may be sent using an automated system
Consent records are maintained in accordance with applicable laws and carrier requirements.
5. Opt-Out Instructions
You may opt out of SMS messages at any time by replying STOP to any message.
For assistance, reply HELP or contact customer support using the information below.
6. Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
7. Customer Support Contact
If you have questions about the Services or need assistance, you may contact us at:
Judith Orsulic
Email: judith.orsulic@gmail.com
Phone: +1 (480) 707-9516
Address: 1149 E Euclid Ave, Gilbert, AZ 85297
Website: www.judithorsulichomeloans.com
8. Privacy Policy
Your use of the Services is subject to my Privacy Policy, which describes how I collect, use, and protect your information.
https://www.
By using the Services, you acknowledge that you have read and understand the Privacy Policy.
9. Acceptable Use
You agree not to:
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Use the Services for unlawful purposes
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Submit false, misleading, or fraudulent information
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Attempt to disrupt or interfere with the Services
I reserve the right to suspend or terminate access for violations of these Terms.
10. Disclaimer of Warranties
The Services are provided on an “as is” and “as available” basis. I make no warranties regarding availability, accuracy, or results obtained from use of the Services.
11. Limitation of Liability
To the fullest extent permitted by law, Judith Orsulic shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services.
12. Modifications to Terms
I may update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Services constitutes acceptance of the revised Terms.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state in which Judith Orsulic is registered, without regard to conflict-of-law principles.
