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1. Acceptance of Terms
By accessing or using HonestCasa's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
2. Description of Services
HonestCasa provides a platform that connects homeowners with lenders and financial professionals to facilitate home equity products, including but not limited to Home Equity Lines of Credit (HELOCs) and cash-out refinancing options. We act as an intermediary and do not directly provide lending services.
3. Eligibility
To use our services, you must be at least 18 years old and a legal resident of the United States. By using our services, you represent and warrant that you meet these eligibility requirements.
4. User Responsibilities
When using our services, you agree to:
- Provide accurate, current, and complete information during the pre-qualification process
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorized use of your account
- Use our services only for lawful purposes and in accordance with these Terms
5. Pre-Qualification Process
The pre-qualification information provided through our platform is for informational purposes only and does not constitute a loan commitment or guarantee. Final loan approval is subject to verification of information, credit approval, and other underwriting criteria determined by the lender.
6. Third-Party Services
Our platform may connect you with third-party lenders and service providers. We are not responsible for the actions, products, or content of these third parties. Your interactions with third-party lenders are governed by their respective terms and privacy policies.
7. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of HonestCasa or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.
8. Disclaimer of Warranties
Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.
9. Limitation of Liability
To the fullest extent permitted by law, HonestCasa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of our services.
10. Indemnification
You agree to indemnify and hold harmless HonestCasa, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.
11. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.
13. Contact Information
If you have any questions about these Terms of Service, please contact us at:
- Email: legal@honestcasa.com
- Address: HonestCasa, Inc., 123 Main Street, San Francisco, CA 94102
By using HonestCasa's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you have any questions, please contact us.