TERMS & CONDITIONS

ClosingSave.com

Effective Date: June 13, 2026

These Terms & Conditions (“Terms”) govern your access to and use of ClosingSave.com, including any related webpages, forms, tools, calculators, content, communications, advertisements, text messages, emails, calls, or services offered through the website.

The website is operated by Closing Save (“Closing Save,” “Company,” “we,” “us,” or “our”).

By accessing or using this website, submitting information through this website, clicking a button, checking a box, requesting information, or otherwise interacting with us, you agree to these Terms. If you do not agree to these Terms, do not use this website.

1. Important Service Disclosure

Closing Save is an informational, marketing, and referral platform.

Closing Save helps consumers learn about potential ways to compare closing-related services and may connect consumers with third-party professionals, companies, vendors, or service providers that may be able to assist with real estate, mortgage, title, escrow, settlement, insurance, home warranty, moving, or other closing-related needs.

Closing Save is not:

Closing Save does not:

Any quote, fee estimate, loan term, settlement-service fee, title premium, escrow charge, insurance premium, closing-cost estimate, savings estimate, approval, denial, or service offer is provided solely by the applicable third-party provider.

2. Purpose of the Website

Closing Save is designed to help consumers who may be buying, selling, refinancing, or otherwise preparing for a real estate transaction explore information and potential service-provider options related to closing costs and closing-related services.

These services may include, where available:

Closing Save may help users compare options, request contact, submit inquiries, or connect with third parties.

Closing Save does not guarantee that using the website will reduce closing costs, improve loan terms, reduce interest rates, reduce title or escrow fees, result in approval, or produce any specific financial outcome.

3. No Government, Lender, Title, Escrow, Carrier, or Broker Affiliation

Closing Save is not owned by, operated by, endorsed by, sponsored by, or affiliated with any government agency, lender, bank, credit union, title company, escrow company, settlement company, real estate brokerage, insurance carrier, mortgage servicer, or public program unless expressly stated in writing.

Any references to mortgage lenders, title companies, escrow providers, settlement services, government programs, insurance carriers, real estate companies, or financial institutions are for informational or referral purposes only.

4. No Professional Advice

The content on this website is provided for general informational purposes only.

Nothing on the website constitutes:

You should consult directly with licensed and qualified professionals regarding your individual transaction, including a mortgage professional, real estate professional, attorney, CPA, financial advisor, insurance agent, title company, escrow company, settlement agent, or other appropriate advisor.

Website content may not reflect the most current laws, fees, rates, underwriting guidelines, closing requirements, lender policies, state rules, market conditions, or service-provider availability.

5. No Professional Relationship Created

Your use of this website does not create:

Submitting information through the website is only a request for information, comparison, referral, or contact.

Any professional relationship, if one is formed, is solely between you and the third-party provider you choose to work with.

6. RESPA and Settlement-Service Disclosure

Closing Save may receive compensation for advertising, marketing, lead generation, technology, referral, or other services, where permitted by law.

Closing Save does not knowingly accept or pay prohibited kickbacks, referral fees, or unearned fees in connection with federally related mortgage loans or covered real estate settlement services.

Nothing on this website requires you to use any particular lender, title company, escrow provider, settlement agent, attorney, insurance agent, real estate professional, or other service provider.

You are free to shop for and choose your own providers.

Using Closing Save does not obligate you to purchase, finance, refinance, close, insure, or settle through any referred provider.

Any compensation paid to Closing Save is intended to be for legally permissible marketing, advertising, technology, lead-generation, or other services, and not for prohibited settlement-service referrals.

If an affiliated business relationship exists and a disclosure is required by law, the applicable party should provide the required affiliated business arrangement disclosure.

CFPB Regulation X and RESPA Section 8 prohibit certain kickbacks and unearned fee arrangements connected to covered settlement-service business.

7. No Required Use

You are not required to use any provider introduced, listed, advertised, recommended, contacted, or referred through Closing Save.

You may obtain services from any provider of your choice.

You should compare providers, costs, services, licensing, qualifications, terms, fees, and reviews before making any decision.

8. No Guarantee of Savings, Approval, Closing, or Results

Closing Save does not guarantee that you will:

Any savings estimate, comparison, quote, fee range, or cost estimate is for informational purposes only and is not a guarantee.

Actual results vary based on many factors, including your location, property type, loan type, credit profile, transaction structure, purchase price, loan amount, lender requirements, title requirements, escrow requirements, insurance requirements, state law, provider availability, and market conditions.

9. Mortgage and Credit Disclosures

Closing Save does not make credit decisions and does not approve or deny loan applications.

Closing Save does not pull credit unless expressly disclosed and separately authorized.

Closing Save does not provide firm offers of credit.

Any loan-related quote, rate, payment, APR, fee, discount, credit, lender credit, cash-to-close amount, or payment estimate is not binding unless provided directly by a licensed lender or mortgage professional in accordance with applicable law.

Mortgage rates, fees, payments, and terms may change without notice and may depend on creditworthiness, property value, loan-to-value ratio, debt-to-income ratio, occupancy, property type, loan program, documentation, lender guidelines, and other underwriting factors.

If any advertisement or communication includes specific mortgage credit terms, those terms should be actually available from the applicable creditor or provider as required by applicable law. Regulation Z requires advertisements stating specific credit terms to state only terms actually available, and Regulation N prohibits material misrepresentations in mortgage-credit advertising.

10. Real Estate, Title, Escrow, and Closing Disclosures

Closing Save does not represent buyers, sellers, borrowers, lenders, title companies, escrow companies, or settlement agents.

Closing Save does not prepare closing documents, review contracts, negotiate purchase agreements, issue title commitments, insure title, disburse funds, hold earnest money, clear title defects, conduct closings, or provide legal opinions.

Real estate, title, escrow, and closing requirements vary by state and transaction.

You should review all contracts, disclosures, settlement statements, title documents, loan documents, insurance documents, and closing documents carefully with qualified professionals before signing.

11. Insurance Disclosure

Closing Save may connect users with insurance agents, agencies, brokers, carriers, or insurance-related providers.

Closing Save is not an insurance company and does not underwrite, issue, bind, renew, cancel, service, or administer insurance policies.

Any insurance quote, premium, policy, binder, endorsement, exclusion, approval, denial, claim decision, cancellation, or renewal decision is made solely by licensed insurance professionals and insurance carriers.

No insurance coverage exists unless and until confirmed in writing by an authorized insurance carrier or licensed insurance professional.

12. User Eligibility

By using this website, you represent and warrant that:

You may not use this website on behalf of another person without proper authorization.

13. Accuracy of Information Submitted

You are responsible for the accuracy of all information you submit, including but not limited to:

False, inaccurate, incomplete, or misleading information may result in inaccurate estimates, declined services, delayed closings, denied applications, changed pricing, canceled offers, or other adverse outcomes.

Closing Save is not responsible for consequences arising from inaccurate or incomplete information submitted by you.

14. Referrals to Third Parties

By submitting information through the website, you authorize Closing Save to share your information with third-party providers who may be able to assist with your inquiry.

These third parties may include:

We do not control the actions, services, pricing, advice, licensing, underwriting decisions, credit decisions, closing decisions, privacy practices, communications, representations, or performance of third parties.

Any relationship entered into with a third party is solely between you and that third party.

15. Consent to Contact

By submitting your contact information through this website, you consent to be contacted by Closing Save and by third-party providers that may be able to assist with your inquiry.

Communications may include:

Your consent is not a condition of purchasing any product or service.

You may opt out of marketing communications at any time.

16. TCPA, SMS, and Mobile Communications Consent

By providing your telephone number and submitting a form, clicking a button, checking a consent box, or otherwise requesting contact, you represent that you are the subscriber, owner, or customary user of the telephone number provided.

To the extent permitted by law, you authorize Closing Save, its service providers, and related third-party partners to contact you at the number provided regarding your inquiry and related services.

These communications may be made using automated dialing technology, prerecorded messages, artificial voice messages, SMS/text messages, or similar technologies where permitted by applicable law.

Message frequency may vary.

Message and data rates may apply.

Carriers are not liable for delayed or undelivered messages.

You may opt out of SMS/text messages by replying STOP.

You may request help by replying HELP or by contacting us at info@closingsave.com or 888-795-6550.

We will honor opt-out and consent-revocation requests as required by law. The FCC has issued rules strengthening consumers’ ability to revoke consent for unwanted robocalls and robotexts, including honoring revocation requests within required timeframes.

17. Email Communications

By submitting your email address, you consent to receive emails from Closing Save and related third-party partners regarding your inquiry, educational content, closing-related services, and marketing communications.

You may unsubscribe from marketing emails by using the unsubscribe link provided in the email or by contacting us at info@closingsave.com.

Transactional or service-related emails may still be sent where permitted by law.

Commercial email must comply with CAN-SPAM requirements, including accurate header information, a valid physical postal address, and a clear opt-out mechanism.

18. Consent Records

You agree that we may create, retain, and share records of your consent and website interaction for compliance, verification, fraud prevention, and business purposes.

Such records may include:

19. Call Recording and Monitoring

Calls with Closing Save, its service providers, or referred third-party providers may be recorded or monitored for quality assurance, training, compliance, documentation, fraud prevention, or dispute resolution where permitted by law.

By continuing a call after receiving notice of recording, you consent to such recording where consent is required.

20. Electronic Communications and Records

You consent to receive communications, notices, disclosures, agreements, and records electronically.

Electronic communications may be provided by:

You agree that electronic communications satisfy any legal requirement that such communications be in writing.

You may withdraw consent to electronic communications by contacting us, but doing so may limit our ability to respond to your inquiry or provide services.

21. Permitted Use

You may use this website only for lawful personal or business purposes related to requesting information about closing-related services.

You agree not to:

We may restrict, suspend, or block access to the website at any time.

22. Intellectual Property

All content on this website, including text, graphics, logos, icons, page design, layout, software, images, videos, trademarks, service marks, and other materials, is owned by Closing Save or licensed to Closing Save.

You may not copy, reproduce, modify, distribute, display, publish, sell, license, create derivative works from, or exploit website content without prior written permission.

Limited personal, non-commercial use is permitted solely for reviewing information on the website.

23. Third-Party Websites and Services

The website may contain links to third-party websites, platforms, tools, advertisements, or services.

We do not control third-party websites or services.

We are not responsible for:

Your use of third-party websites or services is at your own risk and subject to the third party’s own terms and privacy policies.

24. Advertising and Marketing Disclosures

Closing Save may advertise through search engines, social media platforms, display networks, affiliates, referral partners, or other marketing channels.

We do not authorize misleading advertisements, false government-affiliation claims, false lender-affiliation claims, false title-company affiliation claims, fake urgency, fake approvals, fake savings, fake credits, fake discounts, or misleading claims about guaranteed closing-cost reductions.

Any advertisement, estimate, comparison, or website content should be read together with these Terms.

25. AI, Chatbots, Automation, and Website Tools

The website may use automated tools, artificial intelligence, chatbots, calculators, lead-routing systems, call-routing systems, analytics tools, or other automated technologies.

Such tools may help collect information, answer basic questions, route inquiries, or assist with customer support.

AI-generated or automated responses may be incomplete, outdated, or inaccurate.

Do not rely on AI, chatbot, calculator, or automated website responses as mortgage advice, legal advice, title advice, escrow advice, insurance advice, closing-cost confirmation, rate confirmation, approval, or binding service quote.

26. Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, disclose, sell, share, protect, and retain personal information.

By using the website, you acknowledge that you have reviewed the Privacy Policy.

27. Availability and Website Changes

We may modify, suspend, discontinue, restrict, or remove any part of the website at any time without notice.

We do not guarantee that the website will be available, secure, uninterrupted, error-free, or free of harmful components.

We may update website content at any time, but we are not obligated to update any particular information.

28. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, CONTENT, TOOLS, CALCULATORS, FORMS, COMMUNICATIONS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.

CLOSING SAVE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

29. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLOSING SAVE, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, SERVICE PROVIDERS, LICENSORS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES.

This limitation applies to damages arising from or related to:

To the maximum extent permitted by law, Closing Save’s total liability for any claim shall not exceed the greater of: (a) the amount you paid directly to Closing Save for use of the website, if any; or (b) one hundred dollars ($100).

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

30. Indemnification

You agree to defend, indemnify, and hold harmless Closing Save, its owners, officers, directors, employees, contractors, affiliates, service providers, licensors, and partners from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

31. Binding Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except for disputes that qualify for small claims court or claims seeking emergency injunctive relief for intellectual property, data security, or unauthorized website access, you and Closing Save agree that any dispute, claim, or controversy arising out of or relating to these Terms, the website, communications, referrals, advertising, marketing, privacy practices, or services shall be resolved by binding individual arbitration.

This arbitration agreement is governed by the Federal Arbitration Act.

The arbitration shall be administered by the American Arbitration Association or another mutually agreed arbitration provider under applicable consumer arbitration rules.

The arbitration may be conducted by telephone, video conference, written submissions, or in person in Tennessee, unless another location is required by applicable law.

The arbitrator shall have authority to award any relief available in an individual court action, subject to these Terms.

32. Class Action Waiver

To the maximum extent permitted by law, you and Closing Save agree that any dispute shall be brought only on an individual basis.

You and Closing Save waive the right to bring or participate in any:

The arbitrator may not consolidate claims or preside over any form of class, collective, representative, or mass proceeding unless both parties agree in writing.

If this class action waiver is found unenforceable as to a particular claim, that claim shall proceed in court and not in arbitration, unless otherwise required by law.

33. Arbitration Opt-Out

You may opt out of the arbitration agreement by sending written notice within thirty (30) days of first accepting these Terms.

Your opt-out notice must include:

Send the notice to:

Closing Save 2020 Fieldstone Pkwy Ste 900-356 Franklin, TN 37069

Or email:

info@closingsave.com Opting out of arbitration does not affect any other part of these Terms.

34. Jury Trial Waiver

To the maximum extent permitted by law, if any dispute proceeds in court rather than arbitration, you and Closing Save knowingly and voluntarily waive the right to a trial by jury.

35. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs the arbitration agreement.

36. Venue

For any dispute not subject to arbitration, you agree to the exclusive jurisdiction and venue of the state or federal courts located in Tennessee, unless applicable law requires otherwise.

37. Time Limitation on Claims

To the maximum extent permitted by law, any claim arising out of or relating to the website, these Terms, communications, referrals, advertising, privacy practices, or services must be filed within one (1) year after the claim arose.

Any claim not filed within that period is permanently barred.

This provision does not apply where prohibited by law.

38. Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be modified to the minimum extent necessary to make it enforceable, unless modification is not permitted by law.

39. No Waiver

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision or any other provision later.

40. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

We may assign or transfer these Terms in connection with a merger, acquisition, sale of assets, reorganization, change of control, business transfer, or operation of law.

41. Changes to These Terms

We may update these Terms at any time.

Updated Terms will be posted on this website with a revised effective date.

Your continued use of the website after updated Terms are posted means you accept the updated Terms.

42. Contact Information

Closing Save

Email: info@closingsave.com

Phone: 888-795-6550

Mailing Address:

2020 Fieldstone Pkwy Ste 900-356 Franklin, TN 37069