Terms of Use

Effective August 12, 2026

These terms apply to your use of The Note Cabinet by Termstead website and Note Options Review. By using the site, you agree to these terms. If you do not agree, do not use the site.

General information, not advice

Site content and a Note Options Review are general and educational. They are not financial, legal, tax, investment, or accounting advice. Consult qualified advisors about your circumstances.

Cabinet Guide

Cabinet Guide uses artificial intelligence to provide general educational responses. Its answers may be incomplete or inaccurate and are not human-reviewed advice, a valuation, or an offer. Do not provide Social Security numbers, dates of birth, passwords, bank details, payment-card information, full account or loan numbers, or other sensitive information in the chat. Verify important information independently and use qualified advisors for your circumstances.

Preliminary review, not an offer

A Note Options Review organizes information you provide and identifies details that may need verification. It is not an appraisal, valuation, approval, commitment, offer, or promise of eligibility, availability, price, timing, or transaction terms. Market value may differ from unpaid balance and scheduled payments. Any later offer, if one is made, would be separate and subject to verified information, documents, market conditions, applicable requirements, and final written terms.

Your information and authority

You agree to provide accurate information that you are authorized to share. Do not submit confidential information that is not requested, account passwords, payment-card information, Social Security numbers, or original documents through the review form. Submission authorizes contact by the method you select about your request, subject to your ability to withdraw that request.

No obligation to sell

Keeping the note is a legitimate outcome. You are not obligated to sell, and you should review any future transaction documents and consult your advisors before deciding whether to proceed.

Acceptable use

You may not misuse the site, attempt unauthorized access, interfere with security controls, submit deceptive or unlawful information, scrape the service at scale, or use the site in a way that violates applicable law or another person's rights.

Availability and intellectual property

We may change, suspend, or discontinue site features. Site content, branding, design, and software are protected by applicable intellectual property laws. You may use them only for your personal evaluation of the service unless written permission is provided.

Disclaimers and limitation

The site is provided on an “as available” basis to the extent permitted by law. We do not guarantee uninterrupted operation, accuracy, or a particular result. To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages arising from use of the site. Rights that cannot lawfully be disclaimed or limited remain unaffected.

Questions and changes

Questions may be sent to [email protected] or made by calling 1-888-355-8005. We may update these terms, and the effective date above identifies the current version.