Terms of Service

1. About Our Services

One Key Network is a service connection platform that helps homeowners explore financial solutions including mortgage refinancing, credit services, insurance, and home improvement. We connect consumers with qualified professionals and service providers.

OKN is NOT a mortgage lender, bank, financial institution, insurance company, credit repair organization, or licensed financial advisor. We do not make lending decisions, underwrite loans, or provide direct financial services. All financial services are provided by independent, licensed third-party professionals.

2. Eligibility

You must be at least 18 years of age and a resident of the United States to use our services. By using this site, you represent and warrant that you meet these eligibility requirements.

3. Use of the Site

You agree to use the site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the site in any way that violates applicable federal, state, or local law
• Attempt to gain unauthorized access to any part of the site or its systems
• Use the site to transmit any harmful, threatening, or objectionable content
• Interfere with or disrupt the site's functionality or servers
• Use any unauthorized means to access the site without our express written permission
• Impersonate any person or entity or misrepresent your affiliation

4. SMS / Text Messaging Consent

By opting in to receive text messages through our website chat widget, you consent to receive informational and promotional text messages from One Key Network at the phone number you provide.

• Message frequency varies based on your interaction with our services
• Message and data rates may apply depending on your mobile carrier plan
• Reply STOP at any time to unsubscribe from text messages
• Reply HELP for assistance or contact us at [email protected]
• Consent to receive text messages is not a condition of purchasing any goods or services

You may opt out of text messages at any time by replying STOP. After opting out, you will receive a confirmation message and will no longer receive text messages from us unless you re-subscribe.

5. No Guarantee of Results

We do not guarantee any specific savings, loan approval, credit improvement, insurance rates, or other financial outcomes. Results vary based on individual circumstances, market conditions, and the third-party providers you work with. Any estimates, projections, or calculations provided on our site are for informational purposes only and should not be relied upon as guarantees.

6. Third-Party Services

One Key Network connects users with independent third-party service providers including mortgage professionals, insurance agents, credit specialists, and other financial professionals. OKN is not responsible for the services, advice, products, or actions of these third-party providers. Any agreements you enter into with third-party providers are solely between you and that provider.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, videos, and software — is the property of OneKey Network, LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

8. Disclaimer of Warranties

THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. OKN DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ONEKEY NETWORK, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.

10. Indemnification

You agree to indemnify, defend, and hold harmless OneKey Network, LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the site, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Sheridan County, Wyoming.

12. Changes to Terms

OKN reserves the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to the site. Your continued use of the site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14. Contact Us

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