Extended Terms of Use for Crown Mortgage of the West

Welcome to Crown Mortgage of the West

These Extended Terms of Use (“Terms”) govern your access to and use of the Crown Mortgage of the West website and borrower’s portal (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms, our Privacy Policy, and Consent to Communication Agreement. If you do not agree with any part of these terms, you must not use our Service.

  1. Acceptance of Terms

By engaging with the Crown Mortgage of the West website and borrower’s portal, located at 2455 Neal Spring Rd., Templeton, CA 93465, you enter into a binding contract under these Terms of Use. This includes any additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the site, including browsers, vendors, customers, and content contributors. Your use of the Service signifies your agreement to these Terms, our Privacy Policy, and the Consent to Communication Agreement.

  1. Comprehensive Modification Clause

We reserve the right to modify or replace any part of these Terms at our sole discretion by posting updates and/or changes to our website and borrower’s portal. It is your responsibility to check for changes periodically. Your continued use of or access to the Service following the posting of any changes constitutes acceptance of those changes. We are not liable for any damages resulting from your failure to review the Terms for changes.

  1. Service Use Guidelines

The Service is intended for users who are at least 18 years old. By using the Service, you represent and warrant that you meet this age requirement. Users must use the Service lawfully and respect the rights and enjoyment of others. Prohibited actions include, but are not limited to, harassment, transmitting offensive content, spamming, hacking, or disrupting the operation of the Service. Any use of the Service that violates these guidelines may result in termination of your access to the Service.

  1. Intellectual Property and Content Use

All content on the Service, including text, graphics, logos, images, software, and other materials, is the property of Crown Mortgage of the West or its licensors and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws. You agree to respect these rights and not to alter, reproduce, distribute, create derivative works, publicly display, or otherwise exploit any content without prior written consent from Crown Mortgage of the West.

  1. User Contributions and Interactivity

Our Service may offer features that allow users to post content or engage in interactive features. By posting content, you grant Crown Mortgage of the West a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You represent and warrant that your contributions do not violate any rights of third parties, including intellectual property, privacy, or publicity rights, and that your content is accurate and not misleading.

  1. Account Security and Information Accuracy

To access certain features of the Service, you may be required to provide registration details or other information. You agree to provide accurate, current, and complete information as prompted by our registration forms and to update such information as necessary to maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

  1. Comprehensive Liability Disclaimer

The Service is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. Crown Mortgage of the West does not warrant that the Service will be uninterrupted, secure, or free of errors or viruses. You use the Service at your own risk. Crown Mortgage of the West is not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service.

  1. Loan Commitment and Early Payoff Responsibility

By using the Service, borrowers agree to maintain their loan, if applicable, for a minimum period of six months. If a borrower arranges for an early payoff of the loan through Crown Mortgage of the West, the borrower assumes full responsibility for making the payoff payment directly to the lender. Crown Mortgage of the West is not responsible for any fees, penalties, or other charges that may arise from an early payoff.

  1. Governing Law and Jurisdiction

These Terms and any disputes arising out of or related to these Terms or the Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal actions or proceedings arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in California. You waive any objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

  1. Comprehensive Contact Clause

For any questions, concerns, or inquiries regarding these Terms or the Service, please contact us at Crown Mortgage of the West, located at 2455 Neal Spring Rd., Templeton, CA 93465, or via email at brian@crownmortgageofthewest.com. We will make every effort to respond to your inquiries promptly and address any issues you may have.

  1. User Conduct and Responsibilities

You agree not to misuse the Service or help anyone else to do so. Misuse includes, but is not limited to, using the Service to conduct illegal activities, reverse engineering or attempting to extract the source code of the software, transmitting any worms or viruses or any code of a destructive nature, and infringing upon the intellectual property or proprietary rights of others. Violations of these responsibilities may result in the suspension or termination of your access to the Service.

  1. Changes to Services

Crown Mortgage of the West reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice at any time. We are not liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

  1. Indemnification

You agree to indemnify, defend, and hold harmless Crown Mortgage of the West, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another person or entity.

  1. Entire Agreement

These Terms constitute the entire agreement between you and Crown Mortgage of the West regarding your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and Crown Mortgage of the West. Any additional terms or conditions incorporated by reference are also part of this agreement.

  1. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be eliminated or limited to the minimum extent necessary so that the remaining provisions of these Terms will continue in full force and effect.

  1. No Waiver

The failure of Crown Mortgage of the West to enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Crown Mortgage of the West.

  1. Confidentiality

Users agree to maintain the confidentiality of all non-public information obtained through the Service, using at least the same degree of care that they use to protect their own confidential information, but in no event less than a reasonable standard of care. Confidential information includes, but is not limited to, user account information, personal data, and proprietary business information.

  1. Compliance with Laws

You agree to comply with all applicable laws, regulations, and ordinances in connection with your use of the Service. This includes, but is not limited to, laws related to privacy, electronic communications, anti-spam legislation, and intellectual property. You are responsible for ensuring that your use of the Service does not violate any applicable laws.

  1. Termination

Crown Mortgage of the West may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including, but not limited to, your breach of these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

  1. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court. The arbitration will take place in California, and the arbitrator’s decision will be binding and may be entered as a judgment in any court of competent jurisdiction. You agree to waive any right to a jury trial or to participate in a class action.

This extended document aims to cover a wide range of considerations for users of Crown Mortgage of the West’s website and borrower’s portal. It’s crucial to have this document reviewed by legal counsel to ensure compliance with all applicable laws and regulations and to tailor it specifically to the operations and policies of Crown Mortgage of the West.