Denis Companies is a consultant. We are not a mortgage originator or tax professional. Website information is educational, outcomes are never guaranteed, and no one can predict future financial, tax, business, or market events.
1. Acceptance of these terms
By accessing or using this website, its calculators, referral information, forms, or other content, you agree to these Terms & Conditions. If you do not agree, do not use the website. These terms apply only to use of this website; a separate written consulting agreement may apply to paid or individualized services.
2. Consulting role and professional limitations
Denis Companies is a consulting business. Denis Companies is not a mortgage loan originator, mortgage broker, lender, tax return preparer, tax professional, certified public accountant, attorney, law firm, investment adviser, financial planner, or insurance producer.
Nothing on this website is mortgage, lending, tax, legal, accounting, investment, insurance, or other regulated professional advice. Use of this website does not create a lender-borrower, accountant-client, attorney-client, fiduciary, agency, partnership, or other professional relationship.
3. No guarantees; no prediction of future events
Denis Companies does not promise or guarantee any particular result, approval, qualification, savings, refund, tax treatment, financial outcome, professional match, or business outcome. Past or estimated results do not predict future results.
Markets, interest rates, lending standards, tax laws, property costs, professional availability, and personal circumstances can change. Denis Companies cannot predict the future, and all decisions remain your responsibility.
4. Mortgage planner and estimates
The mortgage planner is an educational estimation tool only. It is not a loan application, loan estimate, offer of credit, preapproval, prequalification, underwriting decision, or commitment to lend. Denis Companies does not originate, arrange, broker, process, underwrite, approve, or fund mortgage loans.
Results depend on user-entered assumptions and simplified calculations. Actual terms and eligibility depend on a licensed lender or mortgage professional, credit history, income verification, assets, debts, property, insurance, taxes, fees, applicable law, and lender requirements.
5. Tax information and referrals
Tax content is general educational information and may become outdated. Denis Companies does not prepare returns, determine eligibility, calculate a tax liability, represent taxpayers, or provide tax advice.
Any tax professional introduced through this website is independent and is not an employee, agent, partner, or representative of Denis Companies. You are responsible for verifying credentials, licensing, experience, availability, fees, security practices, and suitability before sharing information or entering an engagement.
6. Your responsibilities
You agree to provide accurate information, independently review decisions, and consult appropriately licensed professionals when needed. Do not send Social Security numbers, tax identification numbers, account credentials, complete tax returns, medical information, or other sensitive data through an intake form or ordinary email.
You may not misuse the website, interfere with its operation, attempt unauthorized access, introduce malicious code, copy substantial portions for commercial exploitation, or use its content unlawfully.
7. Information, availability, and external resources
We try to provide useful information but do not warrant that content is complete, accurate, current, error-free, or suitable for a particular purpose. We may change, suspend, or discontinue any feature or content without notice.
Links and referrals to third parties are provided for convenience and do not constitute an endorsement or guarantee. Denis Companies does not control and is not responsible for third-party services, content, security, availability, acts, omissions, or outcomes.
8. Intellectual property
The website’s original text, design, graphics, tools, organization, and other content are owned by Denis Companies or used with permission and are protected by applicable intellectual-property laws. All rights are reserved.
“Denis Companies™,” its name, branding, and related identifiers are claimed as trademarks or service marks of Denis Companies. The ™ symbol reflects a claim of rights and does not represent federal registration. No license to use these marks is granted without prior written permission.
9. Disclaimer of warranties
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, title, noninfringement, or uninterrupted availability.
10. Limitation of liability
To the fullest extent permitted by law, Denis Companies and its owners, officers, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, opportunities, data, or savings; or losses arising from reliance on the website, calculators, referrals, third parties, or inability to use the website. Nothing in these terms excludes liability that cannot lawfully be excluded.
11. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Denis Companies and its owners, officers, employees, contractors, and affiliates from claims, damages, liabilities, costs, and reasonable attorneys’ fees arising from your unlawful misuse of the website, violation of these terms, or infringement of another person’s rights.
12. Privacy and communications
Intake forms on this website prepare an email in your own email application. Information is not submitted until you choose to send that email. Ordinary email may not be secure, so send only information necessary for an initial conversation.
By contacting Denis Companies, you consent to receiving a response related to your inquiry. We do not promise that every inquiry will result in an engagement, referral, or response.
13. Governing law and disputes
These terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules. Any dispute relating to this website will be brought in a court of competent jurisdiction in Massachusetts, subject to any nonwaivable rights under applicable law.
14. Changes, severability, and entire terms
We may update these terms by posting a revised version and effective date. Continued use after an update means you accept the revised terms. If any provision is found unenforceable, the remaining provisions remain in effect. These terms, together with any separate written agreement that applies, constitute the agreement concerning website use.
Questions may be sent to rudy@deniscompanies.com.