Acceptance of the Terms of Use

Welcome to the website of Equity Smart Home Loans Inc. ("Company," "we," or "us"). These Terms of Use govern your access to and use of https://www.equitysmartloans.com, including any content, functionality, and services offered on or through the website (the "Website").

Please read the Terms of Use carefully before you start to use the Website. By accessing or using the Website, or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available only to users who are 18 years of age or older and who reside in the United States or its territories or possessions. By using the Website, you represent and warrant that you meet these eligibility requirements.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately upon posting and apply to all use of the Website thereafter.

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to review these Terms of Use periodically, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend the Website, and any service or material provided through it, at our sole discretion without notice. We will not be liable if all or any part of the Website is unavailable at any time or for any reason.

You are responsible for:

• Making all arrangements necessary to access the Website.
• Ensuring that all persons accessing the Website through your internet connection comply with these Terms of Use.

If you are required to provide registration details or other information, you agree that all information provided is accurate, current, and complete. All such information is governed by our Privacy Policy, and you consent to our handling of your information in accordance with that policy.

If you are provided with a username, password, or other security credentials, you must treat such information as confidential and must not disclose it to any third party. You agree to notify us immediately of any unauthorized access or security breach.

We reserve the right to disable any account or access credentials at any time, in our sole discretion, for any reason, including violation of these Terms of Use.

Intellectual Property Rights

The Website and its entire contents, features, and functionality (including all text, graphics, images, video, audio, software, and design) are owned by the Company or its licensors and are protected by U.S. and international intellectual property laws.

You may use the Website only for your personal, non-commercial use. You must not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any Website content except as expressly permitted by these Terms of Use.

Any unauthorized use terminates your right to use the Website and may violate applicable laws.

Trademarks

The Company name, logos, slogans, and all related names and designs are trademarks of Equity Smart Home Loans Inc. You must not use these marks without prior written permission. All other trademarks appearing on the Website are the property of their respective owners.

Prohibited Uses

You agree not to use the Website:

• In violation of any applicable law or regulation
• To exploit, harm, or attempt to harm minors
• To send spam, junk mail, or unauthorized solicitations
• To impersonate the Company, its employees, or any other person
• To interfere with or disrupt Website functionality or security
• To introduce malware, viruses, or harmful code
• To attempt unauthorized access to Website systems or data

We reserve the right to determine whether conduct violates these Terms of Use.

Monitoring and Enforcement; Termination

We have the right to:

• Remove or refuse to post any user-submitted content
• Take legal action for unauthorized or illegal use
• Disclose user information to comply with law enforcement or legal requests
• Terminate or suspend access for violations of these Terms of Use

You waive and hold harmless the Company from any claims arising from enforcement actions taken in accordance with these Terms.

Content Standards

User contributions must comply with all applicable laws and must not:

• Be defamatory, obscene, abusive, or hateful
• Infringe intellectual property or privacy rights
• Promote illegal activity or deception
• Misrepresent affiliation with the Company
• Include unauthorized commercial solicitation

Reliance on Information Posted

Information on the Website is provided for general informational purposes only. It does not constitute legal, financial, or mortgage advice. Information provided on the Website is not an offer to lend, a commitment to lend, or a guarantee of loan approval or terms. Rates, terms, and programs are subject to change without notice and may vary based on borrower qualifications, market conditions, and other factors.

We make no warranties as to accuracy or completeness. Any reliance on Website information is at your own risk.

Use of Artificial Intelligence and Automated Tools

The Website may include artificial intelligence–powered tools, chatbots, automated responses, or similar technologies ("Automated Tools") designed to provide general information and assist users in navigating the Website.

Automated Tool responses are generated automatically and may be incomplete, outdated, or inaccurate. They are provided for general informational purposes only and do not constitute legal, financial, mortgage, real estate, tax, or professional advice, nor do they create any binding obligation, commitment, or representation by the Company.

Information provided by Automated Tools is not an offer to lend, a commitment to lend, a guarantee of loan approval or terms, or a representation regarding property availability, pricing, or suitability.

Users should not rely solely on information provided by Automated Tools and should verify all information independently or consult directly with a licensed representative of the Company before making any decisions.

The Company disclaims all liability arising from or related to the use of Automated Tools, including reliance on any information generated by such tools.

Third-Party Content and Links

This Website may contain content provided by third parties, including links to third-party websites, services, advertisements, listings, or resources. These links are provided for convenience only. Equity Smart Home Loans Inc does not control and is not responsible for the content, accuracy, availability, security, or privacy practices of third-party websites.

Any reliance on third-party content is at your own risk.

Geographic Restrictions

The Website is owned and operated in the State of California, United States. The Website is intended solely for use by individuals located within the United States. We make no representation that the Website or its content is accessible, appropriate, or legal outside the United States.

Accessing the Website from outside the United States is done at your own initiative and risk.

Disclaimer of Warranties

YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUITY SMART HOME LOANS INC DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND AVAILABILITY.

Limitation on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL EQUITY SMART HOME LOANS INC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE WEBSITE.

THIS INCLUDES, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOSS OF DATA, LOSS OF PROFITS, OR BUSINESS INTERRUPTION, EVEN IF FORESEEABLE.

Indemnification

You agree to defend, indemnify, and hold harmless Equity Smart Home Loans Inc and its affiliates, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the State of California, without regard to conflict-of-law principles.

Any legal action shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to such jurisdiction and venue.

Limitation on Time to File Claims

Any claim arising out of or related to these Terms of Use or the Website must be brought within one (1) year of the date the claim accrues.

Waiver and Severability

No waiver shall be deemed a waiver of any other provision. If any provision is found unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use and the Privacy Policy constitute the entire agreement between you and the Company regarding the Website.

Your Comments and Concerns

This Website is operated by:

Equity Smart Home Loans Inc.
1499 Huntington Drive #500
South Pasadena, CA 91030

Email: compliance@equitysmartloans.com