Terms of Use

Effective date: [Effective date]

These Terms of Use govern your use of homeloanaccess.com, operated by [Legal entity name] («Home Loan Access,» «we,» «us»). By using the site you agree to these terms.

What we do

Home Loan Access is an online matching service. We provide educational information and calculators, and we connect consumers who submit an inquiry with participating mortgage lenders and brokers. We are not a lender, we do not make loans or credit decisions, and we do not guarantee that you will be matched, contacted, approved or offered any rate or term. Products are not available in all states.

Your inquiry is not an application

The preliminary information you provide is not an application for a mortgage or loan. Any application, credit check, disclosure or loan decision is handled by the lender or broker you choose to work with, under its own terms and applicable law.

Estimates and educational content

Calculator results and website content are estimates and general information for planning. They are not financial, legal or tax advice, a loan offer, a credit decision or a preapproval. Actual costs depend on the lender, loan terms, property and your eligibility.

Communications

By submitting a form you ask us and participating professionals to respond to your inquiry using the contact details you provide. Calls and texts made with automated technology require your separate, optional consent, which you can revoke at any time by replying STOP or contacting us.

Eligibility and accurate information

You must be at least 18 and a U.S. resident to submit an inquiry. You agree to provide accurate information about yourself and to submit only your own information.

Third-party services

Lenders, brokers and other third parties you are connected with are independent. Their products, disclosures and practices are their responsibility. Links to third-party websites are provided for convenience.

Intellectual property

The site design, text, graphics and logos belong to Home Loan Access or its licensors and may not be copied without permission.

Disclaimers and limitation of liability

The site is provided «as is» without warranties of any kind. To the extent permitted by law, Home Loan Access is not liable for indirect, incidental or consequential damages arising from your use of the site or from any lender’s products or decisions. [Liability cap and indemnification clause: attorney to draft]

Governing law and disputes

These terms are governed by the laws of the State of [California]. [Dispute resolution / arbitration clause: attorney to draft]

Changes

We may update these terms. Continued use of the site after an update means you accept the revised terms.

Contact

[Legal entity name]
2372 Morse Ave, Irvine, CA 92614
(787) 930-1305
info@homeloanaccess.com