Terms of Service

Last updated: January 2026

Nature of service: MutuoItalia is not a lender, mortgage broker, or financial advisor. We provide marketing, educational content, and intake coordination only. We do not evaluate financial eligibility, provide mortgage advice, or determine loan qualification. All such services are provided by independent consultants and financial institutions.

1. Acceptance of Terms

MutuoItalia is a subsidiary of Kaai Tech LLC. By accessing or using MutuoItalia's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Company Information

MutuoItalia is a subsidiary of Kaai Tech LLC, a limited liability company. All services provided by MutuoItalia are operated under the parent company Kaai Tech LLC.

3. Services Description

MutuoItalia provides educational resources about Italian mortgages and coordinates introductions to independent mortgage consultants. MutuoItalia is not a mortgage broker, lender, or financial institution. We provide marketing, educational content, and intake coordination only; we do not evaluate financial eligibility, provide mortgage advice, or determine loan qualification.

4. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Not use the service for any unlawful purpose
• Not attempt to gain unauthorized access to our systems

5. Intellectual Property

All content on this platform, including text, graphics, logos, and software, is the property of MutuoItalia and is protected by intellectual property laws.

6. Limitation of Liability

MutuoItalia provides information and services on an "as is" basis. We do not evaluate eligibility, guarantee any outcome, or participate in lending decisions. Decisions are made solely by independent consultants, lenders, and financial institutions.

7. Market Data and Financial Information

MutuoItalia provides market data and financial information through our Market Insights feature, including but not limited to exchange rates, interest rate indices (Euribor), housing price indices, and inflation data. This information is subject to the following terms:

• Data Sources: Market data is sourced from the European Central Bank (ECB) Statistical Data Warehouse and ISTAT (Italian National Institute of Statistics). MutuoItalia does not independently verify this data and is not responsible for errors or omissions in source data.
• Not Real-Time: Data may be delayed by 1-2 business days and is subject to revision by source institutions. Exchange rates shown are ECB reference rates, not transaction rates, and may differ significantly from rates offered by banks or currency exchange services.
• No Financial Advice: Market data and insights are provided for informational and educational purposes only. This information does not constitute financial, investment, or professional advice. Always consult independent financial advisors before making financial decisions.
• No Guarantees: Past market performance is not indicative of future results. MutuoItalia makes no representations or warranties regarding the accuracy, completeness, or timeliness of market data. Market conditions can change rapidly and without notice.
• Use at Your Own Risk: Any reliance you place on market data displayed on our platform is at your own risk. MutuoItalia shall not be liable for any losses or damages arising from your use of or reliance on this information.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Italy.

9. Contact

For questions about these Terms, contact us at:

Email: [email protected]
Address: 1321 Upland Dr, Houston, Texas 77043
MutuoItalia is a subsidiary of Kaai Tech LLC.