Terms & Conditions

1. Agreement to Terms

By accessing or using seanshallis.com(the “Site”) and any products or services offered through it, including The Guardian Family of Products™ products (Rate Guardian, Project Guardian, Trade Guardian, Health Guardian, Home Guardian), you agree to be bound by these Terms and Conditions. If you do not agree, do not use the Site.

2. Site Ownership

This Site is owned and operated by Sean Shallis / iMarketingGuru LLC. The Guardian Family of Products™ and all Guardian-branded products are proprietary technology products of iMarketingGuru LLC. They are not products, services, or endorsements of U.S. Bank National Association.

Sean Shallis is a Mortgage Loan Originator (NMLS #2362814) employed by U.S. Bank National Association. Mortgage lending services are provided by Sean Shallis in his capacity as a U.S. Bank National Association employee, subject to U.S. Bank National Association's policies, procedures, and applicable law.

3. Not Financial Advice

The content on this Site — including articles, calculators, AI chat responses (Rosie), market commentary (Trade Guardian), Savings Scores, and project estimates (Project Guardian) — is provided for informational and educational purposes only. It does not constitute financial advice, mortgage advice, tax advice, legal advice, or investment advice.

The Savings Score and rate monitoring features provide general market comparisons and do not represent an offer to lend, a rate quote, or a pre-approval. Actual loan terms, rates, and eligibility are determined by U.S. Bank National Association based on your individual application, credit profile, and program guidelines.

4. Mortgage Disclosures

Mortgage, home equity and credit products are offered through U.S. Bank National Association. Member FDIC. Equal Housing Lender.

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

All mortgage applications are subject to U.S. Bank National Association's underwriting requirements. Interest rates, fees, and terms displayed on this Site are for illustrative purposes and may not reflect current available rates. Contact Sean directly for current rate information.

5. AI-Powered Tools Disclaimer

Rosie and other AI-powered features on this Site use artificial intelligence to provide conversational assistance and general mortgage information. AI responses are generated algorithmically and may not always be accurate, complete, or applicable to your specific situation.

AI-generated content does not constitute a loan offer, rate commitment, pre-qualification, or pre-approval. Always verify important information directly with Sean Shallis before making financial decisions.

6. Rate Guardian Monitoring

Rate Guardian is a free monitoring service provided by iMarketingGuru LLC. By enrolling, you consent to receiving rate alerts, market updates, and periodic communications from Sean Shallis via email, SMS, or phone. You may opt out at any time by replying STOP to any text message, clicking unsubscribe in any email, or contacting us directly.

Rate Guardian monitoring does not create a lending relationship, loan application, or commitment by U.S. Bank National Association. Monitoring is provided as a courtesy and may be modified or discontinued at any time.

7. User Conduct

You agree not to:

• Provide false or misleading information through our forms or chat
• Use the Site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any part of the Site or its systems
• Scrape, crawl, or systematically extract data from the Site without permission
• Interfere with or disrupt the Site's functionality

8. Intellectual Property

All content on this Site — including text, graphics, logos, design, software, the Rosie AI system, the Guardian brand family, and the Savings Score methodology — is the intellectual property of iMarketingGuru LLC unless otherwise noted. You may not reproduce, distribute, or create derivative works without written permission.

“Guardian Family,” “Rate Guardian,” “Project Guardian,” “Trade Guardian,” “Health Guardian,” “Home Guardian,” and “Rosie” are trademarks of iMarketingGuru LLC.

9. Third-Party Services

The Site integrates with third-party services including but not limited to: U.S. Bank National Association (mortgage origination), Vercel (hosting), Clerk (authentication), and scheduling platforms. Your use of these services is subject to their respective terms and privacy policies.

10. Limitation of Liability

To the maximum extent permitted by law, iMarketingGuru LLC and Sean Shallis shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information provided through it, including but not limited to AI-generated content, rate monitoring alerts, or market commentary.

The Site and its features are provided “as is” without warranties of any kind, either express or implied.

11. Indemnification

You agree to indemnify and hold harmless iMarketingGuru LLC, Sean Shallis, and their affiliates from any claims, damages, or expenses arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Morris County, New Jersey.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

Questions about these Terms should be directed to:

• Email: sean.shallis@usbank.com
• Phone: (973) 457-2278
• Mail: Sean Shallis / iMarketingGuru LLC, 1 Main St, STE 203, Chatham, NJ 07928