TERMS AND CONDITIONS

Welcome to Homes and Loans US, Inc. (the "Company", "we", "us" or "our"). Please read these Terms and Services (the "Terms") carefully as they govern your use of our website, HomesAndLoans.US (the "Site"), and our mortgage and real estate brokerage services (the "Services"). By accessing or using the Site or Services, you agree to be bound by these Terms.

Homes and Loans US, Inc. is licensed by the California Department of Real Estate, Real Estate Broker's License (02056571) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1862287. The Lender is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org and input NMLS # 1862287 to see where Homes And Loans US, Inc. is a licensed mortgage broker.

The principal licensed office of Homes And Loans US, Inc is 41715 Enterprise Cir N, Temecula, CA 92590 branch location 3300 Tully Rd, Suite C6, Modesto, CA 95350. You can reach us toll-free at (833) 937-3360 or locally at (951) 404-2040. 

Our website is https://www.HomesAndLoans.US 

You must be at least 18 years of age to use the Site and Services. By using the Site and Services, you represent and warrant that you are at least 18 years of age.

The Site and Services are intended for use by residents of the state of California. We do not represent that materials on the Site or Services are appropriate or available for use in other locations. Those who choose to access the Site or Services from other locations do so on their own initiative and at their own risk and are responsible for compliance with local laws, if and to the extent applicable.

The Site and Services and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms permit you to use the Site and Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Site or Services, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

You may store files that are automatically cached by your Web browser for display enhancement purposes.

You may print or download one copy of a reasonable number of pages of the Site or Services for your own personal, non-commercial use and not for further reproduction, publication or distribution.

If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

If we provide social media features with certain content, you may take such actions as are enabled by such features.

You must not:

Modify copies of any materials from the Site or Services.

Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.

Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from the Site or Services.

You must not access or use the Site or Services for any illegal or unauthorized purpose, and you agree to comply with all applicable laws and regulations in connection with your use of the Site and Services.

Your privacy is important to us. Please refer to our Privacy Policy for information on how we collect, use and disclose personal information from users of our Site and Services.

The Site and Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. We do not warrant that the Site or Services will be uninterrupted or error-free, nor do we make any warranty as to the results that may be obtained from the use of the Site or Services. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall the Company, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Site, Services, content or any products or services obtained through the Site or Services, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site or Services, including, but not limited to, any use of the Site or Services' content, services and products other than as expressly authorized in these Terms.

We may terminate or suspend your access to all or part of the Site or Services, with or without notice, for any reason, including without limitation, breach of these Terms. Upon termination, you must immediately cease all use of the Site and Services, and we may immediately deactivate or delete your user account and all related information and files in such account, and/or bar any further access to such files or the Site or Services.

These Terms and any dispute or claim arising out of, or related to them, shall be governed by and construed in accordance with the laws of the state of California without giving effect to any choice or conflict of law provision or rule. Any legal suit, action or proceeding arising out of, or related to, these Terms or the Site or Services shall be instituted exclusively in the federal courts of the United States or the courts of the state of California in each case located in the City of Temecula and County of Riverside, and we each waive any objection to jurisdiction and venue in such courts.

These Terms and our Privacy Policy constitute the sole and entire agreement between you and the Company with respect to the Site and Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site and Services.

By participating in our SMS/MMS mobile messaging program, you agree to these terms and conditions (the "Mobile Terms").

The SMS/MMS mobile messaging program provides information about our products, services, and promotions. To opt-in, you may submit your mobile phone number on our website.

Supported carriers may include AT&T, Verizon Wireless, Sprint, T-Mobile®, Boost, Virgin Mobile USA, MetroPCS, U.S. Cellular, and others. The mobile messaging program is a recurring message program, and message and data rates may apply. Frequency of messages may vary.

If you wish to opt-out of our SMS/MMS mobile messaging program, text STOP to the phone number designated for the program. You may also receive help by texting HELP to the same number. For customer care, please contact us at please contact us at info@homesandloans.us or by calling us toll-free at (833) 937-3360 or locally at (951) 404-2040 during business hours.

We will not be liable for any delays in the receipt of any SMS/MMS messages, as delivery is subject to effective transmission from your mobile carrier.

If you have any questions about these Mobile Terms or our SMS/MMS mobile messaging program, please contact us please contact us at info@homesandloans.us or by calling us toll-free at (833) 937-3360 or locally at (951) 404-2040 during business hours..

If you have any questions about these Terms or the Site or Services, please contact us at info@homesandloans.us or by calling us toll-free at (833) 937-3360 or locally at (951) 404-2040 during business hours.