1. Acceptance of Terms

2. Description of Services

We provide the following services through our website and platforms:

• Mortgage Information: Educational content, articles, and resources about mortgage products and home financing
• Mortgage Calculators: Interactive tools to estimate mortgage payments, affordability, and other financial metrics
• Loan Inquiry Forms: Forms to request rate quotes, pre-qualification, and loan information
• Consultation Services: Appointment scheduling and personalized mortgage consultation
• Loan Origination Services: Professional mortgage loan origination services in compliance with federal and state regulations

Service Limitations

Our services are informational and educational in nature. Use of our calculators and tools does not:

• Constitute a commitment to lend or guarantee loan approval
• Represent an official loan estimate or application
• Create a contractual obligation for mortgage financing
• Guarantee specific interest rates, terms, or loan products

3. Eligibility & Account Registration

Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from receiving mortgage services under applicable law
• Provide accurate, complete, and truthful information

Account Information

When you submit forms or create an account, you agree to:

• Provide accurate and current information
• Update your information promptly if it changes
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

Geographic Limitations

Our mortgage services are only available in states where Rafael Arrieta is licensed to conduct business. Services may not be available in all locations. You are responsible for ensuring compliance with local laws in your jurisdiction.

4. User Responsibilities

As a user of our services, you agree to:

Accurate Information

• Provide truthful, accurate, and complete information in all forms and applications
• Not misrepresent your identity, financial situation, or intent
• Update information promptly when circumstances change
• Verify the accuracy of calculator results and estimates

Lawful Use

• Use our services only for lawful purposes
• Comply with all applicable federal, state, and local laws
• Not use our services to engage in fraud or deceptive practices
• Respect the rights of others and third parties

Communication

• Respond promptly to requests for information or documentation
• Maintain open and honest communication throughout the loan process
• Notify us of any changes that may affect your loan application

Security

• Protect your login credentials and personal information
• Use secure internet connections when accessing our services
• Not share your account access with unauthorized persons
• Report any security breaches or suspicious activities immediately

5. Prohibited Conduct

You are expressly prohibited from:

Unlawful Activities

• Using our services for any illegal purpose
• Violating any federal, state, or local laws or regulations
• Engaging in fraud, misrepresentation, or identity theft
• Submitting false or misleading information

Harmful Conduct

• Attempting to gain unauthorized access to our systems or networks
• Introducing viruses, malware, or other malicious code
• Interfering with or disrupting our services or servers
• Attempting to reverse engineer or decompile our software

Abuse & Harassment

• Harassing, threatening, or abusing our staff or representatives
• Using our services to harm, defame, or intimidate others
• Sending spam, unsolicited communications, or chain letters

Intellectual Property Violations

• Copying, reproducing, or distributing our content without permission
• Using our trademarks, logos, or branding without authorization
• Scraping, mining, or automated data collection from our website
• Creating derivative works based on our proprietary tools or content

6. Intellectual Property Rights

Our Proprietary Rights

All content, features, and functionality on our website and services, including but not limited to:

• Text, graphics, logos, images, and photographs
• Mortgage calculators, tools, and software
• Website design, layout, and user interface
• Audio, video, and multimedia content
• Trademarks, service marks, and trade names

Are owned by Rafael Arrieta, West Coast Mortgage Group, or our licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our website for personal, non-commercial purposes
• Use our mortgage calculators and tools for your own financial planning
• View and download informational materials for personal use

Restrictions

You may not:

• Modify, copy, distribute, transmit, display, or create derivative works
• Use our content for commercial purposes without written permission
• Remove copyright, trademark, or other proprietary notices
• Frame or embed our website or content on other websites
• Use automated systems (bots, scrapers) to access our services

Trademarks

Rafael Arrieta, West Coast Mortgage Group, and associated logos are trademarks or registered trademarks. You may not use these marks without our prior written consent.

7. Disclaimers & Warranties

No Warranty on Services

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement
• Warranties that our services will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of content

Calculator & Tool Disclaimers

Our mortgage calculators and financial tools:

• Are provided for informational and educational purposes only
• May not reflect actual loan terms, rates, or costs
• Should not be relied upon as the sole basis for financial decisions
• May contain errors or inaccuracies despite our best efforts
• Do not constitute professional financial, legal, or tax advice

No Guarantee of Loan Approval

We make no representations or warranties regarding:

• Your eligibility for any mortgage product
• Approval of any loan application
• Availability of specific interest rates or loan terms
• Timeframes for loan processing or closing

Not Financial Advice

The information provided through our services is general in nature and does not constitute:

• Professional financial advice or recommendations
• Legal, tax, or accounting advice
• Investment or real estate advice

You should consult with qualified professionals before making financial decisions.

Third-Party Content

We are not responsible for the accuracy, legality, or appropriateness of third-party content, advertisements, or links displayed on our website.

8. Limitation of Liability

Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Rafael Arrieta, West Coast Mortgage Group, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Loss of use or downtime of our services
• Damages resulting from reliance on calculator results or content
• Damages arising from loan denials or unfavorable loan terms
• Damages resulting from unauthorized access to your information

Maximum Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

Basis of the Bargain

You acknowledge that we have set our prices and entered into this agreement in reliance upon the limitations of liability specified herein, which allocate the risk between us and form the basis of our bargain.

Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless Rafael Arrieta, West Coast Mortgage Group, and their respective officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of our services
• Your violation of these Terms of Service
• Your violation of any rights of third parties
• Your violation of any applicable laws or regulations
• Any false, inaccurate, or misleading information you provide
• Your negligence or willful misconduct

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

10. Third-Party Services & Links

Third-Party Links

Our website may contain links to third-party websites, services, or resources, including:

• Lender websites and loan products
• Real estate portals and property listings
• Credit bureaus and financial services
• Educational resources and industry organizations

These links are provided for your convenience only. We do not endorse, control, or assume responsibility for:

• The content, privacy policies, or practices of third-party sites
• Products or services offered by third parties
• Accuracy or reliability of third-party information
• Your interactions or transactions with third parties

Third-Party Services

Our services may integrate with or rely on third-party services such as:

• Credit reporting agencies
• Payment processors
• Document management systems
• Analytics and advertising platforms

Your use of third-party services is subject to their respective terms and conditions and privacy policies.

11. Privacy & Data Protection

Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Data Security

While we implement reasonable security measures to protect your information, we cannot guarantee absolute security. You acknowledge that:

• Internet transmissions are never completely secure
• Unauthorized access, data breaches, or security incidents may occur
• You assume the risk of transmitting information over the internet

Consent to Electronic Communications

By using our services, you consent to receive electronic communications from us, including:

• Email correspondence and notifications
• Text messages (SMS) if you provide your mobile number
• Electronic disclosures and documents

You may opt out of marketing communications at any time, but you cannot opt out of service-related or transactional communications.

12. Modifications to Terms

Right to Modify

We reserve the right to modify, amend, or update these Terms of Service at any time, at our sole discretion. Changes may be made due to:

• Changes in applicable laws or regulations
• Business or operational changes
• Introduction of new features or services
• Security or compliance requirements

Notice of Changes

We will provide notice of material changes by:

• Updating the "Effective Date" at the top of these Terms
• Posting a notice on our website
• Sending an email notification (if you have provided an email address)

Acceptance of Changes

Your continued use of our services after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using our services.

Review Responsibility

You are responsible for reviewing these Terms periodically to stay informed of any updates. We recommend checking this page regularly.

13. Termination

Termination by You

You may terminate your use of our services at any time by:

• Discontinuing access to our website and services
• Contacting us to close your account (if applicable)
• Ceasing all use of our tools and resources

Termination by Us

We reserve the right to suspend or terminate your access to our services, with or without notice, for any reason, including:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal conduct
• Providing false or misleading information
• Failure to comply with applicable laws
• Extended periods of inactivity
• At our sole discretion for business or operational reasons

Effect of Termination

Upon termination:

• Your right to access and use our services immediately ceases
• You remain liable for any obligations incurred prior to termination
• Provisions of these Terms that by their nature should survive will remain in effect
• We may retain certain information as required by law or for legitimate business purposes

No Liability

We shall not be liable to you or any third party for any termination of your access to our services.

14. Dispute Resolution

Informal Resolution

Before filing any formal claim, you agree to first contact us at [email protected] to attempt to resolve the dispute informally. We will work in good faith to reach a mutually acceptable resolution.

Arbitration Agreement

If we cannot resolve a dispute informally, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved through binding arbitration, except as provided below.

Arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association (AAA). The arbitration will take place in [Your County/State], unless otherwise agreed.

Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY, NOT AS PART OF A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Exceptions

Either party may seek injunctive or equitable relief in court to:

• Protect intellectual property rights
• Prevent unauthorized use of services
• Enforce confidentiality obligations

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to us within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

15. Governing Law & Jurisdiction

Governing Law

These Terms of Service and any disputes arising out of or related to these Terms or our services shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles.

Jurisdiction & Venue

Subject to the arbitration provisions above, you agree that any legal action or proceeding shall be brought exclusively in the federal or state courts located in [Your County], [Your State], and you consent to the personal jurisdiction of such courts.

Federal Law

Our mortgage services are also subject to federal laws and regulations, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act
• SAFE Mortgage Licensing Act

16. Miscellaneous Provisions

Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices or agreements posted on our website, constitute the entire agreement between you and Rafael Arrieta regarding your use of our services.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.

Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Acts of God, natural disasters, or extreme weather
• War, terrorism, civil unrest, or government actions
• Strikes, labor disputes, or supply chain disruptions
• Internet or telecommunications failures
• Pandemics or public health emergencies

Headings

Section headings in these Terms are for convenience only and shall not affect their interpretation.

Language

These Terms are written in English. Any translation is provided for convenience only. In the event of any conflict, the English version shall prevail.

Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: disclaimers, limitations of liability, indemnification, intellectual property rights, governing law, and dispute resolution.

Regulatory Compliance

Rafael Arrieta is a licensed mortgage loan originator operating under the regulatory oversight of state and federal authorities. We comply with all applicable lending laws and regulations.

Equal Housing Lender – We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or because all or part of your income may be derived from a public assistance program.

Fair Lending Notice: It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of race, color, religion, national origin, sex, marital status, age, or whether any part of the individual's income is derived from a public assistance program.