Terms of Service

1. Acceptance of Terms

By accessing and using the Find Home Lenders website (findhomelenders.com) and our services (collectively, the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Service.

2. Description of Service

Find Home Lenders provides a directory and search platform that connects potential homebuyers with mortgage lenders, brokers, and other financial professionals. Our Service includes:

• A searchable directory of mortgage professionals
• Business profiles and contact information
• Lead generation and connection services
• Educational content and resources

3. User Eligibility

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you have the legal capacity to enter into this agreement and comply with its terms.

4. User Accounts and Registration

While registration is not required to browse our directory, some features may require you to provide personal information. You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account

5. Acceptable Use

5.1 Permitted Uses

You may use our Service to:

• Search for and contact mortgage professionals
• Access educational content and resources
• Submit legitimate inquiries and contact forms

5.2 Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose or to solicit unlawful activity
• Submit false, misleading, or fraudulent information
• Spam, harass, or abuse mortgage professionals listed in our directory
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data from our website
• Interfere with the proper functioning of the Service
• Violate any applicable laws or regulations

6. Content and Intellectual Property

6.1 Our Content

All content on our website, including text, graphics, logos, images, and software, is the property of Find Home Lenders or its content suppliers and is protected by intellectual property laws.

6.2 User-Generated Content

By submitting content to our Service (such as reviews, comments, or inquiries), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display such content in connection with our Service.

7. Third-Party Services and Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Find Home Lenders. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

8. Disclaimers and Limitations

8.1 Service Disclaimer

Our Service is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding:

• The accuracy or completeness of business listings
• The quality or performance of listed mortgage professionals
• The availability or reliability of our Service
• The outcomes of any mortgage transactions

8.2 Not a Financial Advisor

Find Home Lenders is not a mortgage lender, broker, or financial advisor. We do not provide financial advice or recommendations. All mortgage and financial decisions are solely your responsibility.

8.3 Limitation of Liability

To the maximum extent permitted by law, Find Home Lenders shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

9. Indemnification

You agree to defend, indemnify, and hold harmless Find Home Lenders and its officers, directors, employees, and agents from and against any claims, damages, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

10. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your information.

11. Business Listings

11.1 Listing Accuracy

We strive to maintain accurate business listings but cannot guarantee the accuracy, completeness, or currency of all information. Business information is provided by the businesses themselves or from publicly available sources.

11.2 Business Verification

While we make efforts to verify business information, the "Verified" status does not constitute an endorsement or guarantee of service quality. We recommend conducting your own due diligence before engaging any mortgage professional.

12. Lead Generation and Referrals

When you submit contact forms or lead generation forms through our Service:

• Your information may be shared with the mortgage professionals you contact
• We may receive compensation from mortgage professionals for qualified leads
• You may be contacted by multiple professionals if you submit multiple requests
• You are not obligated to work with any professional who contacts you

13. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

14. Modifications to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after such modifications constitutes acceptance of the new Terms.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [State/Jurisdiction], without regard to its conflict of law provisions.

15.2 Dispute Resolution

Any disputes arising under these Terms will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: legal@findhomelenders.com
• Phone: 1-800-FIND-HOME
• Contact Page: findhomelenders.com/contact

18. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the sole and entire agreement between you and Find Home Lenders regarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.