Last updated: February 2024
Welcome to PhaleHomeLoan.com. By accessing or using this Website, you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use this Website.
1. Website Purpose
PhaleHomeLoan.com provides information regarding mortgage loan products, home financing options, refinancing opportunities, and related services. Information provided on this Website is for informational purposes only and does not constitute a commitment to lend, an offer to extend credit, financial advice, legal advice, or tax advice.
All mortgage loan products are subject to qualification, underwriting requirements, credit approval, property approval, and applicable federal, state, and local laws and regulations.
2. Eligibility
You must be at least 18 years old and legally capable of entering into binding agreements to use this Website. By using this Website, you represent and warrant that you meet these requirements.
3. No Loan Guarantee
Submission of information through this Website does not guarantee loan approval, interest rates, loan terms, or funding. Any estimates, calculators, rate information, or examples displayed on this Website are for illustrative purposes only and may not reflect actual loan terms available to you.
Loan approval depends on various factors, including but not limited to:
- Credit history
- Income verification
- Employment status
- Debt-to-income ratio
- Property valuation
- Applicable lending guidelines
4. Accuracy of Information
While we strive to provide accurate and current information, we make no representations or warranties regarding the completeness, accuracy, reliability, or availability of any information on this Website.
We reserve the right to modify, update, or remove content at any time without notice.
5. User Responsibilities
When using this Website, you agree to:
- Provide accurate and truthful information.
- Not submit false, misleading, or fraudulent information.
- Not use the Website for unlawful purposes.
- Not interfere with the operation or security of the Website.
- Not attempt unauthorized access to any portion of the Website.
6. Electronic Communications
By submitting forms or contacting us through the Website, you consent to receive communications electronically, including emails, phone calls, and text messages regarding your inquiry, loan application, or requested services, as permitted by applicable law.
You may opt out of marketing communications at any time. However, transactional or legally required communications may still be sent.
7. Privacy
Your use of this Website is also governed by our Privacy Policy. By using the Website, you consent to the collection, use, and disclosure of information as described in our Privacy Policy.
8. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, software, design elements, and trademarks, is owned by or licensed to PhaleHomeLoan.com and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, modify, publish, transmit, or create derivative works from any Website content without prior written permission.
9. Third-Party Links
This Website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for any third-party content, products, services, privacy practices, or policies.
Your use of third-party websites is at your own risk.
10. Disclaimer of Warranties
THIS WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY OF INFORMATION.
WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PHALEHOMELOAN.COM, ITS OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO THE USE OF THIS WEBSITE.
OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT PAID BY YOU TO USE THE WEBSITE, WHICHEVER IS GREATER.
12. Indemnification
You agree to indemnify, defend, and hold harmless PhaleHomeLoan.com and its affiliates, officers, employees, agents, and service providers from any claims, liabilities, damages, losses, costs, and expenses arising from:
- Your use of the Website;
- Your violation of these Terms;
- Your violation of applicable laws;
- Any false or misleading information you provide.
13. Regulatory Compliance
Mortgage lending activities are subject to applicable federal and state laws, including but not limited to:
- Truth in Lending Act (TILA)
- Real Estate Settlement Procedures Act (RESPA)
- Equal Credit Opportunity Act (ECOA)
- Fair Housing Act (FHA)
- Gramm-Leach-Bliley Act (GLBA)
Nothing on this Website shall be interpreted as waiving any rights or obligations under applicable law.
14. Geographic Restrictions
Mortgage products and services may not be available in all states or jurisdictions. Availability is subject to licensing requirements and applicable laws.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.
16. Dispute Resolution
Any dispute arising from or relating to these Terms or the use of the Website shall first be addressed through good-faith negotiations. If a dispute cannot be resolved informally, it shall be submitted to binding arbitration or the courts located in [Insert County and State], as permitted by applicable law.
17. Changes to These Terms
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised “Last Updated” date. Continued use of the Website following any changes constitutes acceptance of the revised Terms.
