Terms of Use

1. Acceptance of Terms

By accessing or using the Mezzo website (www.teammezzo.com) or any Mezzo product or service, including the Centro platform, you confirm that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these terms, you may not access or use our website or services. Mezzo reserves the right to update or modify these Terms of Use at any time. Your continued use of the site following any changes constitutes your acceptance of those changes.

2. Eligibility

Our website and services are intended for use by businesses and professionals in the mortgage lending industry. You must be at least 18 years of age and have the legal authority to enter into binding agreements to use our services. Our website is not directed to children under the age of 13, and we do not knowingly collect information from children.

By using Mezzo’s services, you represent that you have the authority to bind yourself and, where applicable, your organization to these Terms of Use.

3. Description of Services

Mezzo provides a vendor orchestration platform and related mortgage technology services, including the Centro platform, which enables mortgage lenders to manage vendor relationships, automate operational workflows, and integrate third-party service providers. The features, functionality, and availability of our services are subject to change at our discretion.

Access to certain features of the Centro platform may require account registration and is subject to applicable service agreements.

4. Account Registration and Security

Some portions of our services require you to create an account. When registering, you agree to provide accurate, complete, and current information and to keep that information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

You agree to notify Mezzo immediately at Support@TeamMezzo.com if you suspect any unauthorized use of your account or any other security breach. Mezzo will not be liable for any loss resulting from unauthorized access to your account.

5. Acceptable Use

You agree to use Mezzo’s website and services only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Use the website or services in any manner that violates applicable federal, state, or local law or regulation, including those governing financial services and data privacy.
• Transmit any material that is unlawful, harmful, fraudulent, defamatory, or otherwise objectionable.
• Attempt to gain unauthorized access to any portion of the website, the Centro platform, or any systems or networks connected to Mezzo.
• Interfere with or disrupt the integrity or performance of the website or the services or data contained therein.
• Use automated tools, bots, scrapers, or similar means to access or collect data from our website without prior written authorization.
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
• Upload or transmit any viruses, malware, or other harmful code.

Mezzo reserves the right to suspend or terminate access for any user who violates these provisions, with or without notice.

6. Intellectual Property

All content on the Mezzo website and within the Centro platform, including but not limited to text, graphics, logos, software, data models, and documentation, is the property of Mezzo, LLC or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from our website or services without our prior written consent. Nothing in these Terms of Use grants you any right or license to use Mezzo’s trademarks, trade names, logos, or other brand elements.

7. Electronic Communications and Consent

By using our website or services, you consent to receive electronic communications from Mezzo, including notices, agreements, disclosures, and other information. You agree that these electronic communications satisfy any legal requirements that such communications be in writing.

By clicking any button indicating acceptance, agreement, or submission, you acknowledge that you have read, understood, and agreed to the applicable terms and conditions and are consenting to conduct business electronically with Mezzo.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Mezzo. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites. We encourage you to review the terms and privacy policies of any third-party site you visit.

Certain features of the Centro platform may integrate with or rely upon third-party service providers. Your use of those services may be subject to the terms of those providers, which are independent of these Terms of Use.

9. Disclaimers

The Mezzo website and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. Mezzo does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

Mezzo makes no representations or warranties regarding the accuracy, completeness, or reliability of any content on our website. To the fullest extent permitted by law, Mezzo disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Mezzo, its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost data, or loss of business opportunities, arising from or related to your use of, or inability to use, our website or services.

Mezzo’s total liability to you for any claim arising out of or relating to these Terms of Use or the use of our services shall not exceed the amount you paid to Mezzo, if any, in the twelve months preceding the claim.

11. Indemnification

You agree to defend, indemnify, and hold harmless Mezzo and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the website or services, your violation of these Terms of Use, or your violation of any rights of a third party.

12. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from or relating to these terms or your use of Mezzo’s website or services shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of those courts.

13. Modifications to the Service and Terms

Mezzo reserves the right to modify, suspend, or discontinue any part of our website or services at any time, with or without notice. We also reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services following any modification constitutes your acceptance of the updated terms.

14. Termination

Mezzo reserves the right to terminate or suspend your access to the website or Centro platform at any time, with or without cause or notice, including in cases where we believe you have violated these Terms of Use or any applicable law. Upon termination, your right to use the services will immediately cease.

15. Contact Us

If you have any questions about these Terms of Use, please contact us: