TERMS OF SERVICE BETWEEN USER & PGS Home Loans, Inc.
This agreement (“Agreement”) governs the use of the PGS Home Loans, Inc. website, located at www.pgshomeloans.com (“Site”). Please read this Agreement carefully before accessing or using the Site.
By accessing or using the Site, you agree to be bound by these Terms of Use. If you do not consent, please do not use the Site or any materials contained herein.
PGS Home Loans, Inc. (“PGS,” “we,” “our,” or “us”) provides the information and services on this Site to you, the user (“you”), conditioned upon your acceptance—without modification—of all terms, conditions, and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions, and notices.
General Information
This Site is for general informational purposes only and is not a substitute for legal, financial, investment, or other professional advice. The information provided is intended to help you understand mortgage concepts and programs, but it should not be relied upon as professional advice for your specific situation.
Your use of this Site is subject to the additional disclaimers and caveats that may appear throughout the Site. PGS and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services, or other material on this Site.
While PGS strives to keep all information current and accurate, we do not guarantee that it is the most recent information available, nor that all opinions expressed or implied are accurate or reliable. Mortgage products, eligibility, and laws may change without notice. Every borrower’s situation is unique and should be analyzed individually.
Wireless Carrier & Data Disclosure
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to PGS Home Loans, Inc. or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud.
Please refer to our Privacy Policy for details on how we treat your data.
Messaging Terms & Conditions
By providing your contact information, you agree to receive informational messages (such as appointment reminders, updates, or account notifications) from PGS Home Loans, Inc. Message frequency may vary. Message and data rates may apply.
For help, email info@pgshomeloans.com.
You can opt out at any time by replying STOP or clicking Unsubscribe.
No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to PGS Home Loans, Inc. that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.
You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other website, transfer, or sell any information, software, databases, products, or services obtained from this Site without written permission from PGS Home Loans, Inc.
Unauthorized access to password-protected or non-public areas of this Site is prohibited and may result in prosecution.
Proprietary Rights
All materials on this Site—including content, layout, design, and structure—are owned and/or licensed by PGS Home Loans, Inc. No unauthorized reproduction, distribution, or transmission of materials is permitted without written permission.
All rights reserved.
Links to Third-Party Sites
This Site may contain links to websites operated by unaffiliated third parties. The inclusion of such links does not imply endorsement by PGS Home Loans, Inc. and we are not responsible for the content, products, or services provided by these third parties.
You access third-party sites at your own risk. Review each site’s privacy and security policies carefully before providing personal information.
Liability Disclaimer
You use this Site at your own risk. PGS Home Loans, Inc. shall not be responsible for any damages to you, your device, or your data resulting from your use of the Site or any materials downloaded from it.
The information, software, products, and services on this Site may contain inaccuracies or typographical errors. PGS Home Loans, Inc. and/or its suppliers may make improvements and/or changes to the Site at any time without notice.
All information, products, and services are provided “as is” without warranty of any kind. In no event shall PGS Home Loans, Inc., its affiliates, or suppliers be liable for any direct, indirect, incidental, special, or consequential damages arising out of or connected with the use or inability to use this Site or materials therein.
Because some jurisdictions do not allow limitations on liability for incidental or consequential damages, some of these limitations may not apply to you.
Changes to This Agreement
PGS Home Loans, Inc. may modify this Agreement at any time. Such modifications are effective immediately upon posting. By continuing to use this Site after any changes are posted, you accept the revised Agreement.
We encourage you to review this page periodically for updates.
Miscellaneous
This Agreement and any dispute related to it shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
Any claim or cause of action arising from use of this Site must be filed within one (1) year after such claim or cause arises.
Any legal action or proceeding between you and PGS Home Loans, Inc. related to this Agreement shall be brought exclusively in the U.S. District Court for the Southern District of California.
Trademarks
All PGS Home Loans, Inc. logos, product names, and service marks are trademarks or service marks owned by PGS Home Loans, Inc. You agree not to display or use them in any manner without prior written consent.
No Minor Use
This Site is intended only for persons 18 years of age or older. Access and use by anyone under 18 is prohibited.
Use Within the United States
This Site is intended to be accessed by persons located within the United States of America. Access or use from other locations is not authorized.
Indemnification
You agree to indemnify, defend, and hold harmless PGS Home Loans, Inc., its affiliates, officers, employees, and service providers from any liability, loss, claim, and expense (including reasonable attorney’s fees) related to your violation of this Agreement.