These Terms of Service ("Terms") govern your use of cyn.loans and quiz.cyn.loans, operated by Cynthia Rivera (NMLS# 1799407), a licensed mortgage loan originator in Massachusetts and Connecticut. By using this site, you agree to these Terms.
By opting in to SMS communications through our quiz form, you agree to receive SMS text messages from Cynthia Rivera at cyn.loans. Our SMS program is used for the following purposes:
SMS opt-in is optional and is not required to receive a consultation or use our services.
Message and data rates may apply to all SMS messages sent and received. Rates depend on your mobile carrier plan. cyn.loans is not responsible for any charges applied by your carrier. Message frequency varies based on your inquiry and follow-up needs. Contact your carrier for details on your data plan.
Mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, Sprint) are not liable for delayed or undelivered SMS messages. Delivery of SMS messages is subject to effective transmission from your network operator. cyn.loans is not responsible for messages that are not received due to carrier issues, network outages, or technical limitations outside our control.
For assistance with SMS messages or any questions about our services, contact us:
We respond to support inquiries during normal business hours, Monday–Friday.
This website is designed to connect prospective home buyers in Western Massachusetts and Connecticut with mortgage options. Completing the quiz does not constitute a mortgage application, pre-qualification, pre-approval, or any commitment to lend. All loan programs are subject to underwriting approval, credit review, and property eligibility.
Nothing on this site constitutes financial, legal, or tax advice. Mortgage eligibility is determined by lender underwriting standards, credit history, income, debt-to-income ratio, property appraisal, and applicable regulations. Individual results may vary.
You agree to provide accurate, truthful, and complete information when using this site. You must be 18 or older to submit the form. Providing false information may affect your inquiry and may constitute fraud under applicable law.
Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information, including our SMS opt-in data practices.
All content on this site — including text, design, graphics, and code — is owned by Cynthia Rivera / cyn.loans. Unauthorized reproduction or distribution is prohibited.
To the fullest extent permitted by law, cyn.loans and Cynthia Rivera shall not be liable for indirect, incidental, or consequential damages arising from use of this site or reliance on information provided. Mobile carriers are not liable for delayed or undelivered messages.
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law provisions.
We may update these Terms at any time. Continued use of the site constitutes acceptance of the updated Terms.