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Merit Closings

Terms of Use

Effective date: May 6, 2026

These Terms of Use ("Terms") govern your access to and use of meritclosings.com (the "Site") and any related services, content, communications, and tools provided by Merit Closings ("Merit Closings," "we," "us," or "our"). By accessing or using the Site, by submitting information through the Site, by calling or texting the number displayed on the Site, or by otherwise interacting with Merit Closings, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site.

1. About Merit Closings

Our business

Merit Closings is a Florida-based real estate investment company. When we purchase property directly from a homeowner, we do so as the investor and buyer. We are not a licensed real estate brokerage, and we do not act as a real estate broker or real estate agent with respect to a transaction in which we are the buyer, unless expressly stated in a separate signed written agreement.

No agency or fiduciary relationship

Your use of the Site, submission of information through the Site, communications with Merit Closings, or receipt of any information from Merit Closings does not create a broker-client, agency, fiduciary, advisory, legal, tax, accounting, financial, or professional relationship between you and Merit Closings. Merit Closings does not represent you as a broker, agent, advisor, attorney, accountant, or fiduciary in connection with your use of the Site or any pre-contract communications.

Nothing here is advice

Nothing on the Site constitutes legal, financial, tax, accounting, investment, or real-estate advice. You should consult your own qualified professionals before making any decisions related to the sale of real property.

2. Eligibility

Who can use the Site

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Site or submit information to Merit Closings. If you submit information about a property, you represent that you are the owner of the property or that you have authority from the owner to provide the information and to communicate with Merit Closings about the property.

3. Inquiries; No Binding Offer Until Signed Contract

Nothing is binding until a signed contract

Submitting information through the Site, requesting an offer, exchanging communications with Merit Closings, or receiving an informal indication of price or terms does not create a binding agreement between you and Merit Closings, and does not obligate Merit Closings to purchase your property or to present any particular offer. Any price, terms, or timeline discussed before a signed written agreement is informational only and may change based on our review of the property, market conditions, title, inspection results, and other factors.

A binding transaction is created only by a written purchase-and-sale agreement or other definitive written agreement signed by both you and Merit Closings.

Any signed written agreement between you and Merit Closings regarding a specific property transaction will control with respect to that transaction to the extent it conflicts with these Terms.

4. Information You Provide

Accuracy of what you submit

You agree that information you submit through the Site or to Merit Closings regarding a property — including address, ownership, condition, liens, occupancy, and contact details — is accurate and complete to the best of your knowledge. You agree to promptly update that information if it changes before closing. Merit Closings may rely on the information you provide in evaluating your property and preparing an offer.

5. Electronic Communications and Signatures

Consent to electronic communications

By providing an email address, phone number, or other contact information, you agree that Merit Closings may communicate with you electronically, including by email, text message, and phone. You agree that electronic communications and electronic signatures satisfy any requirement that such communications or signatures be in writing, to the extent permitted by applicable law.

6. Phone Calls, Text Messages, and Marketing

Consent to be contacted

By providing your phone number to Merit Closings, you agree that Merit Closings and its authorized service providers may contact you at that number — including by automatic telephone dialing systems, prerecorded or artificial voice messages, and SMS text messages — for purposes related to your inquiry, evaluation of your property, and, where you have given appropriate consent, marketing communications. Consent to these communications is not a condition of any purchase or transaction.

Opting out

You can stop receiving text messages at any time by replying STOP, and you can ask to be removed from our marketing calls or emails by contacting us at contact@meritclosings.com. Standard message and data rates may apply to SMS communications. See our Privacy Policy for more detail.

7. Intellectual Property

Ownership of Site content

The Site and its content — including text, graphics, logos, button icons, images, photographs, video, audio, software, and the selection, arrangement, and compilation of all content on the Site — are the property of Merit Closings or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. "Merit Closings," the Merit Closings logo, and related marks are trademarks of Merit Closings. You may not copy, modify, distribute, sell, lease, or otherwise exploit any content on the Site without our prior written consent, except that you may view and print pages for your own personal, non-commercial use in connection with inquiring about selling your property.

8. Acceptable Use

Prohibited activities

You agree that you will not:

  • Use the Site in any way that violates applicable law or regulation;
  • Submit false, misleading, or fraudulent information, or impersonate any person or entity;
  • Attempt to gain unauthorized access to the Site, Merit Closings' systems, or the data of any user;
  • Probe, scan, or test the vulnerability of the Site or any connected system, or breach any security or authentication measures;
  • Use automated means (including scrapers, bots, and data-mining tools) to access, harvest, or extract content from the Site without our prior written consent;
  • Interfere with or disrupt the Site, its servers, or networks connected to the Site; or
  • Use the Site to send unsolicited commercial communications, chain letters, or other bulk messages.

9. Third-Party Sites and Services

Links to other sites

The Site may contain links to third-party websites, applications, or services that are not controlled or operated by Merit Closings. We provide these links for convenience only. We are not responsible for the content, policies, or practices of any third-party site or service, and your use of any third-party site or service is at your own risk.

10. Disclaimers

"As is" basis

The Site and all content, tools, estimates, valuations, timelines, and other information provided on or through the Site are furnished on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Merit Closings disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, title, accuracy, completeness, and uninterrupted or error-free operation of the Site.

Estimates and timelines

Any estimate, valuation, price indication, or timeline provided through the Site or in pre-contract communications is informational only. Actual offers and actual closing timelines depend on the property, title, inspection results, market conditions, and other factors, and are only finalized through a signed written agreement.

11. Limitation of Liability

Limits on damages

To the fullest extent permitted by applicable law, Merit Closings and its affiliates, directors, members, managers, officers, employees, agents, attorneys, service providers, successors, and assigns will have no liability for any consequential, exemplary, special, incidental, indirect, punitive, enhanced, or similar damages arising out of or relating in any way to these Terms, the Site, your access to or use of the Site, your inability to access or use the Site, your submission of information through the Site, any information or content made available through the Site, or any communications or interactions with Merit Closings.

This limitation applies even if Merit Closings has been advised of the possibility of such damages and regardless of the legal theory on which the claim is based, including breach of contract, breach of warranty, negligence, strict liability, misrepresentation, fraud, tort, statute, or any other legal or equitable theory.

Unauthorized access and website security

Merit Closings will have no liability for unauthorized third-party access to, or alteration, theft, loss, misuse, disclosure, corruption, deletion, or destruction of, any information contained on, submitted through, transmitted through, stored by, or otherwise associated with the Site, whether such event occurs by accident, technical failure, cyberattack, unauthorized access, fraud, wrongful conduct, or other means or devices outside Merit Closings' reasonable control.

No guarantee of website operation

Merit Closings does not guarantee that the Site will be uninterrupted, secure, error-free, free of harmful code, or available at any particular time or location. You acknowledge that internet-based services may be subject to outages, delays, security incidents, third-party interference, and other events outside Merit Closings' control.

Liability cap

To the fullest extent permitted by applicable law, Merit Closings' total aggregate liability to you, for any reason and under any cause of action arising out of or relating to these Terms, the Site, your access to or use of the Site, your inability to access or use the Site, your submission of information through the Site, or your communications or interactions with Merit Closings, will be limited to and will not exceed the greater of one hundred dollars ($100.00) or the amount, if any, you paid directly to Merit Closings in connection with your use of the Site.

The Site is provided for informational and lead-submission purposes only and does not sell products or paid online services to users. This limitation applies to all claims in the aggregate and not separately to each individual claim, event, communication, submission, or cause of action.

Scope of limitation

The limitations in this section apply to all claims, disputes, liabilities, losses, damages, and causes of action of every kind and nature, whether based on contract, warranty, tort, negligence, strict liability, misrepresentation, statute, equity, or any other legal theory, and regardless of whether any remedy set forth in these Terms fails of its essential purpose.

Limitations required by law

Some jurisdictions do not allow certain exclusions or limitations of liability, damages, or warranties, or may limit the permissible scope of provisions like those in this section. Accordingly, some of the limitations above may not apply to you. In those jurisdictions, Merit Closings' liability will be limited to the greatest extent permitted by applicable law.

12. Indemnification

Your indemnification obligations

You agree to indemnify, defend, and hold harmless Merit Closings and its affiliates, directors, members, managers, officers, employees, agents, attorneys, service providers, successors, and assigns from and against any and all claims, demands, causes of action, debts, liabilities, losses, damages, judgments, settlements, penalties, fines, costs, and expenses, including reasonable attorneys' fees and court costs, arising out of or relating to: (a) your access to or use of the Site; (b) your submission of information through the Site; (c) your breach or alleged breach of these Terms or the Privacy Policy; (d) your violation or alleged violation of any applicable law or the rights of any third party; (e) your negligence, willful misconduct, fraud, or misuse of the Site; or (f) the inaccuracy, incompleteness, or misleading nature of any information you provide to Merit Closings.

Merit Closings reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. If Merit Closings assumes such defense, you agree to cooperate with Merit Closings in the defense of the matter. You may not settle any claim subject to indemnification under these Terms without Merit Closings' prior written consent.

13. Governing Law and Venue

Florida law applies

Subject to any applicable dispute resolution or arbitration provisions in these Terms, these Terms and any dispute, claim, controversy, action, or proceeding arising out of, relating to, or touching upon these Terms, the Site, your access to or use of the Site, your submission of information through the Site, any communication or interaction between you and Merit Closings, or the subject matter of these Terms will be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any conflict-of-laws principles.

Venue

Subject to any applicable dispute resolution or arbitration provisions in these Terms, any action at law, suit in equity, or other judicial proceeding arising out of, relating to, or touching upon these Terms, the Site, your access to or use of the Site, your submission of information through the Site, any communication or interaction between you and Merit Closings, or the subject matter of these Terms must be brought or commenced, if at all, only in the United States District Court for the Middle District of Florida, Tampa Division, if that court has subject matter jurisdiction. If that court lacks subject matter jurisdiction, such action must be brought or commenced only in the appropriate state court located in Hillsborough County, Florida.

By accessing or using the Site, submitting information through the Site, or communicating with Merit Closings, you consent to the personal jurisdiction and venue of those courts and waive and release now and forever any objection or defense to such jurisdiction or venue, including any objection based on inconvenience of forum.

14. Dispute Resolution and Arbitration

Informal dispute resolution

Before either you or Merit Closings initiates arbitration or any court proceeding, the party seeking to bring a dispute must first send written notice of the dispute to the other party and allow a reasonable opportunity to resolve the matter informally.

If you have a dispute with Merit Closings, you must send notice to Merit Closings at the contact information listed in these Terms. Your notice should include your name, contact information, the property address involved if applicable, a description of the dispute, and the relief you are requesting.

Merit Closings may send notices to you using the email address, mailing address, phone number, or other contact information you provided. The parties agree to attempt in good faith to resolve the dispute informally for at least thirty (30) days after notice is received before initiating arbitration or a court proceeding, except where emergency relief is permitted under these Terms or applicable law.

Agreement to arbitrate

Subject to the exceptions below and except to the extent a separate signed written agreement between you and Merit Closings contains its own dispute resolution provision governing the specific dispute, you and Merit Closings agree that any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, the Site, your access to or use of the Site, your submission of information through the Site, any communication or interaction between you and Merit Closings, or any relationship formed through the Site will be resolved by binding individual arbitration rather than in court.

This agreement to arbitrate applies regardless of the legal theory asserted, including contract, tort, negligence, statute, fraud, misrepresentation, consumer protection, privacy, or any other legal or equitable theory. This agreement also applies to disputes about the interpretation, enforceability, validity, scope, or applicability of this arbitration provision, except that any dispute about the enforceability of the class action waiver below must be decided by a court of competent jurisdiction.

Arbitration rules and forum

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, except as modified by these Terms. The arbitration will be conducted by a single neutral arbitrator.

The arbitration may be conducted by telephone, video conference, written submissions, or in person, as determined by the arbitrator in accordance with the applicable rules and the circumstances of the dispute. If an in-person hearing is required, it will take place in Hillsborough County, Florida, unless the arbitrator determines that a different location or remote format is required by applicable law or the AAA rules.

If AAA is unavailable, declines to administer the arbitration, or is otherwise unable to administer the arbitration, the parties will work in good faith to select a comparable arbitration provider. If the parties cannot agree on a substitute provider, either party may ask a court of competent jurisdiction to appoint an arbitrator or arbitration provider.

Small claims and court exceptions

Either party may bring an individual claim in small claims court if the claim qualifies and remains in small claims court.

Either party may also seek temporary, preliminary, or emergency injunctive relief in a court of competent jurisdiction where necessary to protect intellectual property, confidential information, data security, property rights, or to prevent unauthorized use of the Site. Seeking such relief does not waive either party's right to arbitration for any remaining claims.

Class action and jury trial waiver

You and Merit Closings agree that each may bring claims against the other only in an individual capacity and not as a plaintiff, claimant, or class member in any class, collective, consolidated, private attorney general, or representative action or proceeding.

Unless both you and Merit Closings agree otherwise in writing, the arbitrator may not consolidate more than one person's claims, may not preside over any class, collective, consolidated, private attorney general, or representative proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.

To the fullest extent permitted by applicable law, you and Merit Closings knowingly and voluntarily waive any right to a trial by jury in any dispute, claim, or proceeding arising out of or relating to these Terms, the Site, your access to or use of the Site, your submission of information through the Site, or your communications or interactions with Merit Closings.

Arbitration fees

Payment of arbitration fees will be governed by the applicable AAA rules and fee schedule, except that Merit Closings will pay any arbitration fees or costs that applicable law requires Merit Closings to pay.

Each party will be responsible for its own attorneys' fees and costs unless applicable law, the AAA rules, the arbitrator's award, or another provision of these Terms provides otherwise.

Opt-out right

You may opt out of this arbitration provision by sending written notice to Merit Closings within thirty (30) days after you first become subject to these Terms. To be effective, your opt-out notice must be sent by email to contact@meritclosings.com or by mail to the mailing address listed in the "How to Contact Us" section of these Terms.

Your opt-out notice must include your name, contact information, and a clear statement that you wish to opt out of the arbitration provision in these Terms. If your opt-out notice relates to a specific property inquiry, you should also include the property address associated with that inquiry.

Opting out of arbitration will not affect any other provision of these Terms, including the provisions governing limitation of liability, indemnification, governing law, venue, or class action waiver to the extent enforceable under applicable law.

15. Changes to These Terms

How we post updates

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and revise the "Effective date" above. Changes are effective when posted. Your continued use of the Site after we post updated Terms constitutes your acceptance of the updated Terms. If you do not agree with updated Terms, you should stop using the Site.

16. Severability

If a provision is unenforceable

If any provision, sentence, clause, phrase, word, or portion of these Terms is held to be invalid, illegal, or unenforceable for any reason, that provision or portion will be modified or severed to the minimum extent necessary so that the remaining provisions remain valid and enforceable to the fullest extent permitted by law.

The invalid, illegal, or unenforceable portion will be construed as narrowly as possible, and the remaining portions of these Terms will continue in full force and effect. The parties intend that any invalid or unenforceable language be severed in the smallest unit necessary to preserve the validity and enforceability of the rest of these Terms.

17. Entire Agreement

Scope of these Terms

These Terms, together with the Privacy Policy and any signed written agreement between you and Merit Closings regarding a specific property transaction, constitute the entire agreement between you and Merit Closings regarding your use of the Site and supersede any prior agreements, representations, or understandings on the same subject matter, except that any signed written agreement will control with respect to the specific property transaction it governs.

18. How to Contact Us

Contact information

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

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