Terms of Service

These Terms govern Ennkar, Inc.’s website, communications, SMS program, and the Ennkar Connect mobile application. By accessing or using Ennkar, Inc.’s website, services, or communications, you agree to these Terms of Service and our Privacy Policy. If you use the Ennkar Connect mobile app, the additional terms in the Ennkar Connect section also apply. If you do not agree, do not use our website, services, or app.

1. Acceptance of Terms

These Terms of Service apply to your use of Ennkar, Inc.’s website and communications, including any information, tools, or services provided through our site or by our representatives.

2. Use of Services

Ennkar, Inc. provides mortgage-related information, support, and communications. Use of our services must be lawful and consistent with all applicable rules and regulations.

3. SMS Terms

4. User Responsibilities

You agree to provide accurate information when communicating with Ennkar, Inc. and to use our website and services only for legitimate and lawful purposes.

5. Disclaimers

Information provided on this website is for general informational purposes only and does not constitute a commitment, guarantee, or legal advice. Loan products are subject to applicable eligibility requirements and underwriting guidelines.

6. Limitation of Liability

To the fullest extent permitted by law, Ennkar, Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of, or inability to use, our website or services.

7. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised effective date. Material changes to Ennkar Connect may also be communicated in the app.

The following section applies to the Ennkar Connect app (Android and iOS, package com.ennkar.app) for retirement mortgage tools and reverse mortgage pricing estimates. It supplements the general website and SMS terms above.

Acceptance (app)

By downloading, installing, or using Ennkar Connect, you agree to these Terms and our Privacy Policy. Use requires a registered account and an active session. If you do not agree, do not use the app.

Estimates only — no loan commitment

All calculations are estimates for informational purposes only. They are not financial, legal, tax, or investment advice; not a commitment to lend, offer of credit, or guarantee of loan terms. Actual reverse mortgage terms depend on lender underwriting, appraisal, HUD/FHA guidelines, and individual circumstances. Closing cost estimates are approximations and may vary significantly.

HECM counseling requirement

Eligibility (app)

You must be at least 18 and a U.S. resident to create an account. HECM products are generally for homeowners age 62 or older (certain non-borrowing spouse rules may apply). Proprietary reverse mortgage programs may be available for qualifying homeowners age 55 or older — age requirements vary by program. Eligibility is determined by the applicable lender and program guidelines — Ennkar does not determine eligibility.

Account security

You are responsible for your credentials and all activity under your account. Report unauthorized access to legal@ennkar.com. Ennkar will never ask for your password by email, phone, or text.

Prohibited activities (app)

You agree not to:

• Use the app for unlawful purposes or in violation of applicable regulations
• Attempt unauthorized access to systems, databases, or accounts
• Reverse-engineer or extract source code from the application
• Use bots, scripts, or automated tools to access the service
• Misrepresent your identity or professional credentials
• Submit false or misleading information to obtain estimates or lead referrals

Intellectual property (app)

App content, trademarks, logos, software, and data are owned by Ennkar or licensors. You receive a limited, non-exclusive, non-transferable license for intended use only. No copying, distribution, or derivative works without prior written consent.

Limitation of liability (app)

To the fullest extent permitted by law, Ennkar is not liable for indirect, incidental, special, consequential, or punitive damages, including reliance on calculation estimates. Total liability for any app-related claim shall not exceed amounts you paid Ennkar in the twelve months before the claim (which may be zero for free-tier users).

Disclaimer of warranties (app)

The app is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement. We do not warrant error-free, uninterrupted, or virus-free operation.

Governing law (app)

These app terms are governed by U.S. law and the state in which Ennkar is incorporated, without regard to conflict-of-law rules. Disputes shall be resolved in courts of competent jurisdiction in that state.

Licensing & disclosures

State mortgage licensing, NMLS, and regulatory disclosures: ennkar.com/licensing (also available in-app under Settings → Legal & Licensing).

Account & data deletion (app)

• Delete account: Settings → Delete Account
• Delete specific data (keep account): email privacy@ennkar.com

8. Contact