Terms of Service

Effective Date: February 21, 2026

These Terms of Service (“Terms”) govern your access to and use of the website operated by Bespoke Financial Inc. (“Bespoke Financial,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms.

If you do not agree to these Terms, you should not use this website.

1. Company Information

Bespoke Financial Inc. is a licensed insurance and mortgage brokerage operating in the State of Ohio.

Ohio Insurance License #: 1175514
NPN #: 14292707
NMLS #: 2450463

You may verify our licensing through the NMLS Consumer Access website.

2. No Financial or Legal Advice

The information provided on this website is for general informational purposes only and does not constitute financial, legal, tax, or investment advice.

Mortgage rates, insurance premiums, loan terms, and qualification requirements vary based on individual circumstances and underwriting guidelines. Nothing on this website guarantees approval, rates, or specific financial outcomes.

You should consult appropriate licensed professionals before making financial decisions.

3. No Guarantee of Approval or Rates

Any examples, rate illustrations, payment estimates, or loan scenarios displayed on this website are estimates only and are not binding offers or commitments to lend.

All loan and insurance products are subject to underwriting approval and applicable laws and regulations.

4. Third-Party Links and Portals

Our website may link to or integrate with third-party systems, including:

• Loan application portals

• Client login portals

• Insurance carrier systems

• Lender platforms

These third-party systems operate under their own terms and privacy policies. Bespoke Financial Inc. is not responsible for the content, security, or privacy practices of third-party platforms.

Your use of those systems is governed by their respective terms.

5. Electronic Communications Consent

By submitting forms, providing contact information, or communicating with us electronically, you consent to receive communications from Bespoke Financial Inc., including:

• Email communications

• SMS/text communications (subject to separate SMS Terms)

• Electronic document delivery

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

6. Intellectual Property

All website content, including text, graphics, logos, branding, and design elements, is the property of Bespoke Financial Inc. or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or republish website content without prior written consent.

7. Prohibited Use

You agree not to:

• Use the website for unlawful purposes

• Attempt unauthorized access to systems or data

• Interfere with website functionality

• Submit false or misleading information

8. Limitation of Liability

To the fullest extent permitted by law, Bespoke Financial Inc. shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website.

Our total liability for any claim arising from website use shall not exceed one hundred dollars ($100).

9. Indemnification

You agree to indemnify and hold harmless Bespoke Financial Inc., its officers, employees, and agents from any claims, damages, liabilities, or expenses arising from your misuse of the website or violation of these Terms.

10. Arbitration and Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of this website shall be resolved through binding arbitration in the State of Ohio.

You agree to waive the right to participate in a class action lawsuit or class-wide arbitration.

Arbitration shall be conducted under the rules of the American Arbitration Association.

Each party shall bear its own legal fees unless otherwise required by law.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to conflict of law principles.

12. Modifications

We may update these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of updated Terms.

13. Contact Information

Bespoke Financial Inc.
600 Superior Avenue, Suite 1300
Cleveland, OH 44114

Phone: 440-864-4648
Email: hi@frombespokefinancial.com