Terms & Conditions
Last Updated: March 9, 2026
This Website, and any services provided by Chelsea Winstead, NMLS 2674299 ("Chelsea Winstead," "we," "our," or "us"), a Mortgage Loan Officer affiliated with UMortgage LLC, are provided to you subject to these Terms of Use, which govern your use of this website.
Please read these Terms of Use carefully.
By visiting and/or using this Website, including any of the services offered on this Website, you agree to be bound by these Terms of Use whether or not you complete a transaction with Chelsea Winstead or UMortgage LLC, and whether or not you complete your transaction on the Website or through telephone, fax, email, postal mail, overnight delivery services, or otherwise.
By using this Website you acknowledge that certain features of this Website and products and/or services available through UMortgage LLC, the mortgage company through which Chelsea Winstead originates residential mortgage loans, may be subject to additional terms, conditions, and disclaimers.
Acceptance of Terms
If you do not agree to these Terms of Use, you are not authorized to use this Website or any services offered through it.
Chelsea Winstead reserves the right, in her sole discretion and without notice, to deny access to or use of this Website for any reason.
Mortgage loans are originated through UMortgage LLC, which is licensed as set forth on the NMLS Consumer Access website. Required disclosures and consents under applicable state and federal laws are deemed to be provided and acknowledged through your use of this website.
Information Subject to Change
Although every effort has been made to provide accurate and timely information, the content of this Website may not always be accurate, complete, or current and may include typographical errors or technical inaccuracies.
The information and materials contained on this Website, including terms, conditions, and descriptions of mortgage products, are subject to change at any time without notice.
Mortgage rates, loan programs, eligibility requirements, and product availability may vary and may change without notice.
Not all products and services are available in all geographic areas.
Information provided on this Website is for informational purposes only and should not be relied upon without independent verification.
Your eligibility for mortgage products or services is subject to final review, underwriting approval, and acceptance by UMortgage LLC.
Third-Party Websites
This Website may contain links to other websites on the Internet.
These links are provided solely for the convenience of visitors.
Chelsea Winstead and UMortgage LLC do not endorse, control, approve, or sponsor linked sites unless otherwise expressly stated.
Neither Chelsea Winstead nor UMortgage LLC accepts responsibility or liability for the content, products, privacy policies, or security practices of third-party websites.
If you choose to use services available through a linked site, you agree to review and follow that site's applicable policies and Terms of Use.
Disclaimer of Warranties
The information and materials contained on this Website, including text, graphics, links, and other items, are provided "as-is" and "as available."
Chelsea Winstead and UMortgage LLC do not warrant the accuracy, adequacy, or completeness of such information and expressly disclaim liability for errors or omissions.
No warranty of any kind—implied, express, or statutory—is given, including but not limited to warranties of:
Non-infringement
Title
Merchantability
Fitness for a particular purpose
Freedom from computer viruses or other malware
Neither Chelsea Winstead, UMortgage LLC, their affiliates, employees, agents, nor third-party content providers guarantee that the Website or services will be uninterrupted or error-free.
They also do not warrant the timeliness, accuracy, reliability, or completeness of any information or services provided through this Website.
Limitation of Liability
To the maximum extent permitted under applicable law, Chelsea Winstead and UMortgage LLC shall not be liable for any damages arising from your use of this Website.
This includes, without limitation:
Direct or indirect damages
Special or incidental damages
Consequential damages
Economic losses
System failures or interruptions
Computer viruses or malware
Hyperlinks to external resources are used at your own risk.
Indemnification
You agree to defend, indemnify, and hold harmless Chelsea Winstead, UMortgage LLC, their affiliates, employees, vendors, and agents from and against any claims, damages, liabilities, costs, or expenses (including attorney’s fees) arising from:
Your violation of these Terms of Use
Your misuse of the Website
Your violation of applicable laws
No Unlawful or Prohibited Use
As a condition of your use of this Website, you agree that you will not use this Website for any unlawful purpose or for any purpose prohibited by these Terms of Use.
Any violation may result in termination of your access to the Website.
Website Security
You are prohibited from violating or attempting to violate the security of the Website, including but not limited to:
Accessing data not intended for your viewing
Attempting to breach system security
Attempting to interfere with service to other users
Violations may result in civil or criminal liability.
Chelsea Winstead and UMortgage LLC reserve the right to investigate and cooperate with law enforcement authorities regarding such violations.
Copyright and Trademarks
All content on this Website—including text, graphics, logos, images, design, and layout—is protected by copyright laws.
Copyright in the Website materials is owned or licensed by UMortgage LLC, unless otherwise indicated.
You may view information on this Website for personal informational purposes only.
You may not reproduce, distribute, modify, or republish any content without written permission.
UMortgage LLC and related branding elements are trademarks or trade names owned by UMortgage LLC and may not be used without authorization.
Email and Online Information Requests
Messages sent via email may not be secure.
Chelsea Winstead and UMortgage LLC recommend that you do not transmit confidential or nonpublic personal information via email.
If you choose to send such information electronically, you accept the risk that it may be intercepted.
By submitting information through this Website or by any other method, you are inquiring about mortgage services and authorize Chelsea Winstead and/or UMortgage LLC to contact you using the information you provide.
Communication may occur via:
Email
Telephone
SMS/text message
Postal mail
This authorization applies even if your phone number is listed on a federal, state, or local Do Not Call registry.
Communications and Submissions
By submitting comments, suggestions, testimonials, ideas, or other communications ("Submissions") through this Website or other methods, you agree that such Submissions may be used by Chelsea Winstead and/or UMortgage LLC without compensation, notice, or obligation.
Chelsea Winstead and UMortgage LLC reserve the right to record or monitor communications where permitted by law.
Privacy
Chelsea Winstead understands the importance of protecting your personal information.
Please review the Privacy Policy available on this Website for additional details regarding the collection and use of personal information.
Modifications
Chelsea Winstead reserves the right to modify these Terms of Use at any time.
The most current version will always be available on this Website.
Your continued use of the Website constitutes acceptance of any updates.
Governing Law
These Terms of Use shall be governed by the laws of the State of Pennsylvania.
Any legal action arising from the use of this Website shall be filed in the state or federal courts located in Philadelphia, Pennsylvania.
You consent to the jurisdiction of such courts.
Severability
If any provision of these Terms of Use is found to be unlawful or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect.
Contact Information
For questions regarding these Terms of Use or to report violations, please contact:
Chelsea Winstead, NMLS 2674299
Mortgage Loan Officer
Affiliated with UMortgage LLC
100 N 18th Street
Suite 1400
Philadelphia, PA 19103
Email: legal@umortgage.com