These Terms of Use (the “Terms”) are a legally binding agreement between you (“you” or “your”) and M4 Labs LLC, a Wyoming limited liability company operating the BedrWay brand (“BedrWay,” “we,” “us,” or “our”). They govern your access to and use of the websites bedrway.com, form.bedrway.com, any subdomains, BedrWay landing pages, BedrWay Meta (Facebook and Instagram) Lead Ads, and any related calls, text messages, or emails between you and us (collectively, the “Services”).
By accessing or using the Services, by submitting a lead form, by responding to a BedrWay advertisement, or by otherwise interacting with us, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Services.
These Terms apply to every visitor and every user of the Services. By accessing or using the Services in any way, you accept and agree to be bound by these Terms. If you are using the Services on behalf of a household or other entity, you represent that you have authority to accept these Terms on its behalf, in which case “you” refers to that household or entity.
We may offer additional terms for specific products, promotions, or features. Where additional terms apply, they are presented to you and form part of these Terms. If there is a conflict between these Terms and any additional terms, the additional terms govern for the relevant product or feature.
The Services are offered to U.S. residents who are at least 18 years of age (or the age of majority in your state, whichever is older) and are legally capable of entering into a binding contract. By using the Services, you represent and warrant that:
The Services are not directed to children under 13 and are not intended for individuals located outside the United States. We do not knowingly collect Personal Information from children in violation of the Children’s Online Privacy Protection Act (COPPA).
BedrWay provides an online lead generation platform that connects U.S. consumers interested in residential mortgage products with one or more licensed mortgage loan officers, mortgage brokers, lenders, or related service providers (each, a “Lender Partner”).
Important disclaimers about the Services:
You may not be required to create an account to use the Services. When you submit a lead form, respond to a Meta Lead Ad, call us, or text us, you provide certain Personal Information (such as your name, contact details, and mortgage inquiry information) governed by our Privacy Policy.
You agree to provide information that is true, accurate, current, and complete, and to update it if it changes. You are responsible for the accuracy of any information you submit.
If you suspect your account or contact information has been compromised, or that someone has submitted a form using your information without authorization, please contact us immediately at info@m4labs.co.
When you submit a lead form on a BedrWay website, landing page, or Meta Lead Form, you may be presented with a written consent disclosure (a “Consent Disclosure”) that authorizes BedrWay and its Lender Partners to contact you about mortgage products and related services by telephone, SMS/MMS, email, and other channels, including by means of an automatic telephone dialing system, artificial or prerecorded voice, AI-dialed technology, or live agents, even if your number is on a federal or state Do Not Call list.
The exact wording of the Consent Disclosure on the form you submitted is the controlling consent record. By clicking “Submit” (or equivalent), you agree to that Consent Disclosure and you acknowledge that:
You may revoke your consent and stop receiving marketing communications at any time and at no cost:
If you do not wish to receive marketing calls or texts under TCPA prior express written consent, do not submit a lead form. You may instead contact us by emailing info@m4labs.co without providing telemarketing consent.
You agree to use the Services only for lawful purposes and in accordance with these Terms. In particular, you agree not to:
robots.txt;We reserve the right, but have no obligation, to investigate and take appropriate legal action against anyone who, in our sole discretion, violates these Terms, including referring violators to law enforcement.
If you submit any content to us through the Services — including form responses, messages, voice recordings, or feedback (collectively, “User Content”) — you represent and warrant that you own or otherwise have the necessary rights to submit that content and that the content does not infringe the rights of any third party.
You grant BedrWay a non-exclusive, worldwide, royalty-free, transferable, sublicensable license to host, store, reproduce, and use User Content as reasonably necessary to operate the Services, match you with Lender Partners, communicate with you, comply with law, and improve the Services. This license terminates when we delete the relevant User Content from our active systems, except for residual back-up copies and records retained for legal, fraud-prevention, or compliance purposes as described in our Privacy Policy.
You retain all ownership rights in your User Content, subject to the license above.
The Services and all content, features, and functionality (including text, graphics, logos, button icons, images, audio, video, software, code, design, selection, and arrangement) are owned by M4 Labs LLC, its licensors, or other providers, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual-property laws.
BedrWay® and the BedrWay logo are trademarks of M4 Labs LLC. All other trademarks, service marks, and trade names referenced on the Services are the property of their respective owners.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use to inquire about mortgage products. You may not:
If you print, copy, modify, download, or otherwise use, or provide any other person with access to, any part of the Services in breach of these Terms, your right to use the Services will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.
The Services contain or may contain links to third-party websites and services, including the websites of Lender Partners. These links are provided for convenience only. We do not control third-party websites or services and are not responsible for their content, accuracy, privacy practices, security, or availability.
Lender Partners are independent third parties. Once your information is shared with a Lender Partner, that Lender Partner becomes an independent controller of your information and is solely responsible for its own communications, products, services, pricing, underwriting, licensing, and compliance with applicable law. BedrWay does not guarantee the conduct, qualifications, or results of any Lender Partner. Any agreement, application, or transaction between you and a Lender Partner is solely between you and that Lender Partner.
You are encouraged to verify a Lender Partner’s licensing through the Nationwide Multistate Licensing System (NMLS) at nmlsconsumeraccess.org, and to review the Lender Partner’s own privacy policy and terms before doing business with them.
Your use of the Services is at your sole risk. The Services and all content, materials, information, and Lender Partner introductions are provided on an “as is” and “as available” basis, with all faults, and without warranties of any kind, either express or implied.
To the fullest extent permitted by law, M4 Labs LLC, its affiliates, officers, directors, employees, agents, licensors, and Service Providers expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including without limitation implied warranties of merchantability, fitness for a particular purpose, title, accuracy, completeness, and non-infringement.
Without limiting the foregoing, we do not warrant that:
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
To the fullest extent permitted by applicable law, in no event will M4 Labs LLC, its affiliates, officers, directors, employees, agents, licensors, or Service Providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, goodwill, business opportunities, or use, arising out of or in connection with these Terms, the Services, or any Lender Partner introduction, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, and whether or not we have been advised of the possibility of such damages.
In no event will the aggregate liability of M4 Labs LLC and its affiliates arising out of or related to these Terms or the Services exceed the greater of (a) the total fees, if any, you paid to BedrWay during the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US $100).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
Nothing in these Terms limits or excludes liability for: (i) fraud or fraudulent misrepresentation; (ii) personal injury or death caused by our gross negligence; or (iii) any other liability that cannot be limited or excluded under applicable law.
You agree to defend, indemnify, and hold harmless M4 Labs LLC, its affiliates, and their respective officers, directors, employees, agents, licensors, and Service Providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to:
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Please read this section carefully. It limits how you can bring a dispute against us.
Before filing any formal claim, you agree to first contact us at info@m4labs.co with a written description of the dispute and to attempt to resolve the matter informally for at least sixty (60) days.
If the dispute is not resolved informally, you and BedrWay agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a “Dispute”) will be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, except as modified by this section. The arbitration will be conducted by a single neutral arbitrator. The seat of the arbitration will be Sheridan, Wyoming, but the arbitrator may, on request, conduct hearings by telephone, videoconference, or in your county of residence.
The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any Dispute, including the validity, scope, or enforceability of this arbitration provision. The arbitrator may award any relief that a court of competent jurisdiction could award, except that the arbitrator may not award relief on behalf of anyone who is not a party to the arbitration.
You and BedrWay agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action. Unless both you and BedrWay agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.
You may opt out of this arbitration provision and class-action waiver by sending a clear written notice to info@m4labs.co, with the subject line “Arbitration Opt-Out,” within thirty (30) days after first accepting these Terms. Your notice must include your full name, mailing address, the email address you used with the Services, and a clear statement that you wish to opt out. If you opt out, the rest of these Terms remain in full force.
Notwithstanding the foregoing, either party may (a) bring an individual action in small-claims court for any qualifying claim, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual-property rights or to enforce the prohibited-uses section above.
This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.
These Terms and any non-arbitrable Dispute are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-laws principles. Federal law, including the Federal Arbitration Act and applicable federal consumer-protection law, applies where it preempts state law.
Subject to the arbitration provision above, you and BedrWay submit to the exclusive jurisdiction of the state and federal courts located in Sheridan County, Wyoming for any judicial proceeding permitted under these Terms (including proceedings to compel arbitration or enforce an arbitration award). You waive any objection based on lack of personal jurisdiction or inconvenient forum.
If you are a consumer residing in a U.S. state with mandatory consumer-protection laws that grant you additional rights or remedies, those laws apply to the extent they are not preempted by the Federal Arbitration Act or other federal law.
We may, at our sole discretion and without prior notice, suspend or terminate your access to all or part of the Services, with or without cause, including if we believe you have violated these Terms or applicable law, or if we discontinue any feature.
You may stop using the Services at any time. The following sections survive any termination of these Terms or your use of the Services: 4 (Submissions), 7 (User Content License), 8 (Intellectual Property), 9 (Third Parties), 10 (Disclaimer of Warranties), 11 (Limitation of Liability), 12 (Indemnification), 13 (Arbitration), 14 (Governing Law), 17 (Severability), and 18 (Contact).
We may update these Terms from time to time to reflect changes in our Services, our practices, or applicable law. The “Last updated” date at the top of this page indicates when the Terms were last revised. We will provide notice of material changes by posting the revised Terms on the Services and, where required by law, by other appropriate means (such as email).
Your continued use of the Services after the effective date of an updated set of Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Services.
Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be severed, and the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of M4 Labs LLC.
Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction. Subject to the foregoing, these Terms bind and benefit each party and its successors and permitted assigns.
Entire agreement. These Terms, together with the Privacy Policy and any additional terms presented for specific products or features, constitute the entire agreement between you and BedrWay regarding the Services and supersede any prior agreements between you and us regarding the Services.
No agency. No agency, partnership, joint venture, employment, or franchisee relationship is intended or created by these Terms.
Force majeure. We are not liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, war, terrorism, civil unrest, government action, pandemic, labor disputes, telecommunications or internet failures, or natural disasters.
The Services are operated by:
M4 Labs LLC (EIN 41-2467058)
30 N Gould St, Ste R
Sheridan, WY 82801
United States
Email: info@m4labs.co
Phone: (321) 327-9574
All notices to BedrWay under these Terms must be sent to the address or email above. Notices to you may be delivered to the email or phone number you provided through the Services, or by a posting on the Services.