Disclosures

General Disclosures

UnblockEquity facilitates access to home equity through voluntary junior lien instruments and decentralized finance (DeFi) lending protocols. The following disclosures are important for all users to understand.

Property Valuations

Property valuations provided on our platform are automated estimates generated by ATTOM Data Solutions' Automated Valuation Model (AVM). These are estimates only and may differ materially from formal appraisals. We do not guarantee the accuracy of any valuation.

Junior Liens

Our equity access products involve recording a voluntary junior lien against your property. A junior lien is subordinate to your primary mortgage and any senior liens. While junior liens do not trigger due-on-sale clauses under the Garn-St. Germain Depository Institutions Act, you should consult with a qualified attorney before proceeding.

DeFi Protocol Risks

Borrowing through DeFi protocols (Morpho Blue on Base) involves smart contract risk, oracle risk, and liquidation risk. If the value of your collateral falls below the required threshold, your position may be liquidated. DeFi interest rates are variable and determined by market conditions.

Not Investment Advice

Nothing on this platform constitutes financial, legal, or investment advice. Past performance of properties does not guarantee future results. All investments involve risk, including the potential loss of principal.

Geographic Limitations

Equity access and selling services are currently available only in Florida. The FL homestead protections discussed on our platform apply only to properties qualifying as homestead under Florida law.

Contact

For questions about these disclosures, contact us at legal@unblockequity.com