Terms of Service

The Services, including any estimated home value, estimated rent, comparable sales, payment estimates, or marketing materials, are provided for informational purposes only. They are not a loan application, a pre-qualification, a pre-approval, a Loan Estimate, a commitment to lend, a guarantee of credit, or an appraisal. All loans are subject to credit approval, underwriting, property approval, applicable program guidelines, and satisfaction of all conditions in any subsequent written commitment. Rates, fees, and program terms are subject to change without notice.

Premier Lending is a licensed residential mortgage lender and/or broker. NMLS ID: [Insert Company NMLS ID]. State licenses: [Insert states and license numbers]. You may verify our licensing at www.nmlsconsumeraccess.org. Premier Lending is an Equal Housing Lender.

You must be at least 18 years old (or the age of majority in your jurisdiction), a U.S. resident or otherwise lawfully present in the United States, and able to form a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements and that the information you submit is true, accurate, current, and complete.

When you submit information through the Services, including your full name, email address, telephone number, and property address, you authorize Premier Lending to collect, store, and use that information as described in our Privacy Policy. We save your email address and other submitted information in our records so we may deliver the requested estimate, respond to your inquiry, send you communications you have requested or consented to, and meet our recordkeeping and compliance obligations. You are responsible for the accuracy of the information you submit and for keeping your contact details current.

You consent to receive notices, disclosures, agreements, and other communications from us electronically, including by email, by SMS to the number you provided, by display on our website, or through a secure portal. This consent applies to communications related to your inquiry and any subsequent loan application. To receive electronic records, you must have an internet-connected device, a current web browser, an active email account, and the ability to view and store PDF files. You may withdraw your consent to electronic disclosures by contacting us, but doing so may delay or prevent the delivery of the Services.

By providing a telephone number and submitting our forms, you expressly consent to receive calls and SMS/MMS text messages from Premier Lending and its authorized agents at that number, including by using an automatic telephone dialing system, artificial or prerecorded voice, and/or text, even if the number is on a federal or state Do-Not-Call registry. Consent is not a condition of obtaining any product or service. Message and data rates may apply. You may opt out of marketing texts by replying STOP at any time and out of marketing emails using the unsubscribe link.

Our home value tool relies on third-party automated valuation models and public-record data. Estimated values, rents, and comparables are estimates only and may differ, sometimes materially, from a licensed appraisal, broker price opinion, or actual market value. We do not warrant the accuracy, completeness, or timeliness of any estimate and you should not rely on any estimate as the sole basis for a financial decision.

You agree not to:

• submit false, misleading, or fraudulent information, or use someone else's information without authorization;
• use the Services in violation of any law, including fair lending, anti-discrimination, sanctions, anti-money-laundering, or consumer protection laws;
• access the Services by automated means (scrapers, bots, crawlers) except as expressly permitted by us in writing;
• attempt to interfere with, probe, or disrupt the integrity or performance of the Services or any underlying systems;
• reverse engineer, decompile, or otherwise attempt to derive the source code or underlying models of the Services;
• resell, sublicense, or commercially exploit the Services or any data obtained from them.

The Services and all content, software, trademarks, and other intellectual property made available through them are owned by Premier Lending or its licensors and are protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use, subject to these Terms. All other rights are reserved.

The Services may include links to or content from third-party websites, advertising networks, data providers, and lenders. We are not responsible for the content, policies, or practices of any third party. Your interactions with third parties are solely between you and the third party.

THE SERVICES, INCLUDING ALL CONTENT, ESTIMATES, AND DATA, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE.

TO THE FULLEST EXTENT PERMITTED BY LAW, PREMIER LENDING, ITS AFFILIATES, AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

You agree to indemnify, defend, and hold harmless Premier Lending and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Services, (b) your violation of these Terms, or (c) your violation of any applicable law or the rights of any third party.

These Terms are governed by the laws of the State of [Insert State], without regard to its conflict-of-laws principles, and applicable U.S. federal law. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved exclusively in the state or federal courts located in [Insert County, State], and you consent to personal jurisdiction and venue in those courts. Each party waives any right to a jury trial to the fullest extent permitted by law. Nothing in this section prevents either party from seeking injunctive or equitable relief in any court of competent jurisdiction.

We may modify or discontinue the Services, or modify these Terms, at any time. When we materially change these Terms, we will update the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

We may suspend or terminate your access to the Services at any time, with or without cause and with or without notice. Sections that by their nature should survive termination (including Sections 9, 11, 12, 13, and 14) will survive.

Premier Lending
[Insert business address]
Phone: (704) 800-4040
Email: [Insert support email]
NMLS ID: [Insert Company NMLS ID]. Equal Housing Lender