Scotsman Guide – Terms of Use
Last updated: July 2026
These Terms of Use conditions (“Agreement”) set forth the general terms and conditions of your use of the scotsmanguide.com website and/or the lendersearch.com website (each, or both, collectively, “Website” or “Service”) and any of its related products and services (collectively, “Services”). This Agreement is legally binding between you (“User”, “you” or “your”) and Scotsman Guide, Inc. (“Scotsman Guide, Inc.”, “we”, “us” or “our”).
By accessing and using the Website and Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. If you are entering into this Agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this Agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this Agreement, you must not accept this Agreement and may not access and use the Website and Services.
You acknowledge that this Agreement is a contract between you and Scotsman Guide, Inc., even though it is electronic and is not physically signed by you, and it governs your use of the Website and Services. This Agreement shall be governed by and construed in accordance with the laws of the state of Washington without regard to its choice of law or conflict of law’s provisions.
Accounts and PRO Membership
If you create an account on the Website, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. We may, but have no obligation to, monitor and review new accounts before you may sign in and start using the Services.
Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.
We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of this Agreement or that your conduct or content would tend to damage our reputation and goodwill. If we delete your account for the foregoing reasons, you may not re-register for our Services. We may block your email address and Internet protocol address to prevent further registration.
An account is required to access PRO Membership Benefits. Each PRO Membership is personal to the individual Member identified on the account and may not be shared, resold, transferred, or used by more than one person, except under a group or enterprise arrangement expressly authorized by us in writing.
PRO Membership
Scotsman Guide subscriptions are offered as a “PRO Membership,” and an individual holding a PRO Membership is a “Member.” A PRO Membership may include a print subscription to Scotsman Guide magazine, a digital subscription, or both, together with access to Scotsman Guide’s exclusive PRO News and any other content, features, and benefits we designate as available to Members (collectively, the “PRO Membership Benefits”).
Any reference in this Agreement to a “subscription,” “Subscriber,” or similar term means a PRO Membership and a Member, respectively, and any subscription in effect before the date of this Agreement continues as a PRO Membership on its existing term, price, and billing cycle.
PRO Memberships may be paid or complimentary. Provisions of this Agreement relating to fees, billing, automatic renewal, cancellation, and refunds apply only to paid PRO Memberships. Complimentary PRO Memberships are provided at our discretion, confer no payment obligation, and may be modified, suspended, or discontinued by us at any time.
We may add to, modify, or discontinue any PRO Membership Benefit, tier, or format at any time; any material reduction in the PRO Membership Benefits you have paid for will not take effect until the end of your then-current term.
For paid PRO Memberships, the Member agrees to pay the full amount for the membership term and products at the time of the order. The Member also agrees to receive marketing emails from Scotsman Guide, which can be opted out of at any time.
All paid PRO Memberships are automatically renewed at the end of each billing cycle until canceled by the Member prior to the renewal date. By purchasing a PRO Membership, the Member hereby acknowledges and agrees to these terms and conditions.
The Member further agrees to review Scotsman Guide’s Terms of Use and Privacy Policy periodically to ensure they are aware of any modifications. The Member’s continued use of the PRO Membership following the posting of any modifications to this Agreement will constitute acceptance of such modifications. If the Member does not agree to the terms of this Agreement, they should not purchase or use the PRO Membership.
PRO Membership Cancellation and Refund Policy
You may cancel your PRO Membership at any time by logging into your www.scotsmanguide.com account. To avoid being charged for the next billing cycle, your cancellation must be completed before the renewal date. All charges are final and nonrefundable.
Access Following Cancellation
Upon cancellation, the Member will retain access to all PRO Membership Benefits until the end of the current billing cycle. No additional charges will be incurred following the effective date of cancellation, provided the cancellation was completed before the renewal date.
How to Cancel
To cancel, Members must log in to their account at www.scotsmanguide.com, navigate to the membership management section, and follow the cancellation instructions. Alternatively, Members may contact Scotsman Guide for assistance at subscriptions@scotsmanguide.com.
Complimentary PRO Memberships and Requestor Status
We may offer complimentary PRO Memberships at no charge to qualified mortgage industry professionals. A complimentary PRO Membership takes effect only when you activate it by creating a new password on your account.
By doing so, you affirmatively request the PRO Membership and its PRO Membership Benefits, including any print edition, digital edition, and PRO News, and you become a “Requestor” for circulation audit purposes. You also confirm that the name, company, job title, delivery address, email address, and other qualification information on your account are complete and accurate.
You authorize us to record the date, method, and source of your request and to disclose your request, activation, and qualification information to the Alliance for Audited Media (“AAM”), or any successor auditing organization, and to their auditors. This information is handled in accordance with the Scotsman Guide Privacy Policy.
Complimentary PRO Memberships are subject to periodic requalification, and we may ask you to reconfirm your information.
We may modify, suspend, or terminate any complimentary PRO Membership at any time, for any reason or for no reason, with or without notice, in our sole discretion. No refund or other compensation is owed, and we will have no liability to you or any third party for doing so.
Termination ends your access to the PRO Membership Benefits, including PRO News, and any print delivery will cease with the next production cycle. You may update your information, change your delivery preferences, or cancel at any time in your account or by contacting subscriptions@scotsmanguide.com.
Text Messages and SMS Communications
If you provide a mobile telephone number to us, you agree that we and our service providers may send you text messages (SMS and MMS) about your account and PRO Membership, including one-time passcodes, security and activation notices, requalification, delivery, renewal, and billing notices, and customer service replies.
These messages may be sent using an automatic telephone dialing system or other automated technology. We will send marketing or promotional text messages only where you have separately opted in at the point your number is collected, and that consent is never a condition of purchase or of PRO Membership.
Message frequency varies. Message and data rates may apply, and wireless carriers are not liable for delayed or undelivered messages. You may revoke your consent at any time by any reasonable means, including by replying STOP to any message, updating your preferences in your account, or emailing subscriptions@scotsmanguide.com. We will honor revocations within ten (10) business days and may send one confirmation message. Reply HELP for assistance.
You represent that you are the subscriber to, or the customary user of, any mobile telephone number you provide, and you agree to notify us promptly if that number is reassigned or is no longer yours.
User Content
We do not own any content, information or material (collectively, “Content”) that you submit on the Website in the course of using the Service. You shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of all submitted Content.
We may monitor and review the Content on the Website submitted or created using our Services by you. You grant us permission to access, copy, distribute, store, transmit, reformat, display, sell and perform the Content of your user account solely as required for the purpose of providing the Services to you.
Without limiting any of those representations or warranties, we have the right, though not the obligation, to, in our own sole discretion, refuse or remove any Content that, in our reasonable opinion, violates any of our policies or is in any way harmful or objectionable.
You also grant us the license to use, reproduce, adapt, modify, publish, sell or distribute the Content and data created by you or stored in your user account for commercial, marketing or any similar purpose.
Billing and Payments
You shall pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. If auto-renewal is enabled for your PRO Membership or any other Services you have purchased, you will be charged automatically in accordance with the term you selected.
If, in our judgment, your purchase constitutes a high-risk transaction, we will require you to provide us with a copy of your valid government-issued photo identification, and possibly a copy of a recent bank statement for the credit or debit card used for the purchase.
We reserve the right to change products and product pricing at any time. We also reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order.
These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the email and/or billing address/phone number provided at the time the order was made.
Accuracy of Information
Occasionally there may be information on the Website that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, availability, promotions and offers. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information on the Website or Services is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information on the Website including, without limitation, pricing information, except as required by law. No specified update or refresh date applied on the Website should be taken to indicate that all information on the Website or Services has been modified or updated.
Third Party Services
If you decide to enable, access or use third party services, be advised that your access and use of such other services are governed solely by the terms and conditions of such other services, and we do not endorse, are not responsible or liable for, and make no representations as to any aspect of such other services, including, without limitation, their content or the manner in which they handle data (including your data) or any interaction between you and the provider of such other services.
You irrevocably waive any claim against Scotsman Guide, Inc. with respect to such other services. Scotsman Guide, Inc. is not liable for any damage or loss caused or alleged to be caused by or in connection with your enablement, access or use of any such other services, or your reliance on the privacy practices, data security processes or other policies of such other services.
You may be required to register for or log into such other services on their respective platforms. By enabling any other services, you are expressly permitting Scotsman Guide, Inc. to disclose your data as necessary to facilitate the use or enablement of such other service.
Backups
We perform regular backups of the Website and its Content and will do our best to ensure completeness and accuracy of these backups. In the event of the hardware failure or data loss we will restore backups automatically to minimize the impact and downtime.
Advertisements
During your use of the Website and Services, you may enter into correspondence with or participate in promotions of advertisers or sponsors showing their goods or services through the Website and Services. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third party.
We shall have no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any such third party.
Links to Other Resources
Although the Website and Services may link to other resources (such as websites, mobile applications, etc.), we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked resource, unless specifically stated herein.
We are not responsible for examining or evaluating, and we do not guarantee the offerings of, any businesses or individuals or the content of their resources. We do not assume any responsibility or liability for the actions, products, services, and content of any other third party.
You should carefully review the legal statements and other conditions of use of any resource which you access through a link on the Website and Services. Your linking to any other off-site resources is at your own risk.
Prohibited Uses
In addition to other terms as set forth in the Agreement, you are prohibited from using the Website or Services or Content:
- For any unlawful purpose;
- To solicit others to perform or participate in any unlawful acts;
- To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;
- To infringe upon or violate our intellectual property rights or the intellectual property rights of others;
- To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
- To submit false or misleading information;
- To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Website and Services, third party products and services, or the Internet;
- To spam, phish, pharm, pretext, spider, crawl, or scrape;
- For any obscene or immoral purpose; or
- To interfere with or circumvent the security features of the Website and Services, third party products and services, or the Internet.
Without limiting the foregoing, you are expressly prohibited from using the Website or Services or Content in a way that is in violation of 42 U.S. Code § 3604 regarding discrimination in the sale or rental of housing, or any amendments thereto or similar state or local laws.
We reserve the right to terminate your use of the Website and Services for violating any of the prohibited uses.
Intellectual Property Rights
“Intellectual Property Rights” means all present and future rights conferred by statute, common law or equity in or in relation to any copyright and related rights, trademarks, designs, patents, inventions, goodwill and the right to sue for passing off, rights to inventions, rights to use, and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, rights to claim priority from, such rights and all similar or equivalent rights or forms of protection and any other results of intellectual activity which subsist or will subsist now or in the future in any part of the world.
This Agreement does not transfer to you any intellectual property owned by Scotsman Guide, Inc. or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with Scotsman Guide, Inc.
All trademarks, service marks, graphics and logos used in connection with the Website and Services are trademarks or registered trademarks of Scotsman Guide, Inc. or its licensors. Other trademarks, service marks, graphics and logos used in connection with the Website and Services may be the trademarks of other third parties. Your use of the Website and Services grants you no right or license to reproduce or otherwise use any of Scotsman Guide, Inc. or third party trademarks.
Limitation of Liability
To the fullest extent permitted by applicable law, in no event will Scotsman Guide, Inc., its affiliates, directors, officers, employees, agents, suppliers or licensors be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability, including, without limitation, contract, tort, warranty, breach of statutory duty, negligence or otherwise, even if the liable party has been advised as to the possibility of such damages or could have foreseen such damages.
To the maximum extent permitted by applicable law, the aggregate liability of Scotsman Guide, Inc. and its affiliates, officers, employees, agents, suppliers and licensors relating to the services
