Home First Mortgage Website Terms of Use

Effective Date: 07/01/2020

 

Welcome to the Home First Mortgage website (“Site”). These Terms of Use (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Home First Mortgage (“Company,” “we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.For questions or concerns regarding these Terms, please contact us at:
Email: team.ie@homefirst.digital

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site 

 

.

2. Eligibility

This Site is intended for use by individuals who are at least 18 years old and reside in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements 

.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You are prohibited from using the Site:

  • In any way that violates applicable federal, state, or local law or regulation.

  • To exploit, harm, or attempt to exploit or harm others, including minors.

  • To transmit, or procure the sending of, any advertising or promotional material without our prior written consent.

  • To impersonate or attempt to impersonate Home First Mortgage, a Home First Mortgage employee, another user, or any other person or entity 

.

4. User Accounts

If you create an account on the Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We reserve the right to suspend or terminate your account at our discretion, including for any violation of these Terms 

.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Home First Mortgage or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Site without our prior written consent 

 

.

6. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including information collected through AI-powered communications. Please review our Privacy Policy carefully 

.

7. AI-Powered Communications and Automated Contact

7.1. Disclosure of Automated Communications

By providing your contact information to Home First Mortgage, you acknowledge and agree that we may contact you using automated systems, including but not limited to artificial intelligence (AI)-powered text messages, phone calls, and emails. These communications may be used for purposes such as responding to inquiries, providing updates on your mortgage application, delivering account notifications, or offering relevant products and services 

 

 

.Examples of such communications include:

  • Automated text messages or phone calls to the number you provide, which may use AI-generated or prerecorded voice technology.

  • AI-powered chatbots or virtual assistants responding to your inquiries on the Site or via email.

7.2. Consent and Opt-Out

By using the Site and submitting your contact information, you expressly consent to receive communications from us via AI-powered systems as described above. You may opt out of receiving automated communications at any time by following the instructions provided in the message (e.g., replying “STOP” to a text message) or by contacting us at team.ie@homefirst.digital 

 

.

7.3. Transparency and Human Assistance

We are committed to transparency in our communications. When you interact with our AI-powered systems, you will be informed at the outset that you are communicating with an automated system. If you prefer to interact with a human representative, you may request human assistance at any time, and we will provide a means for you to do so 

 

.

7.4. Data Collection and Use

Information collected during AI-powered communications may be used to improve our services, process your requests, and for other business purposes as described in our Privacy Policy. We take reasonable measures to protect your data and comply with all applicable privacy and data protection laws 

 

 

.

8. Disclaimers

The Site and all content, products, and services provided through it are provided “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Home First Mortgage does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components 

 

.

9. Limitation of Liability

To the fullest extent permitted by law, Home First Mortgage, its affiliates, and their respective officers, directors, employees, agents, licensors, or service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site or any content or services provided through the Site 

 

.

10. Indemnification

You agree to indemnify, defend, and hold harmless Home First Mortgage and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site 

.

11. Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in [Insert Jurisdiction], and the laws of the State of [Insert State] shall govern 

 

.

12. Termination

We reserve the right to terminate or suspend your access to the Site, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or the Company 

 

.

13. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms 

.

14. Contact Information

If you have any questions about these Terms or our practices, please contact us at:
Email: team.ie@homefirst.digital

15. Regulatory and Legal Disclosures

  • Licensing: Home First Mortgage is licensed to operate as a mortgage company in accordance with applicable federal and state laws. Licensing information is available upon request.

  • Non-Discrimination: We comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and all other applicable fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income comes from any public assistance program 

.

  • Privacy and Security: We comply with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and other applicable privacy and data security laws. Please review our Privacy Policy for more information 

.

  • Accessibility: We strive to ensure that our Site is accessible to individuals with disabilities in accordance with the Americans with Disabilities Act (ADA) 

.

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.