These Terms of Use ("Terms") govern your access to and use of the Patriot Home Refi website and related services (the "Site"). By using the Site or submitting a quote request, you agree to be bound by these Terms.
1. No Loan Commitment
Patriot Home Refi is a marketing service that connects consumers with licensed lending partners. We are not a lender, mortgage broker, or government agency. Nothing on the Site constitutes an offer, commitment, or approval of a loan. All loans are subject to credit approval, appraisal, and underwriting by the applicable lender.
2. Eligibility
You must be at least 18 years old, a legal U.S. resident, and legally able to enter into a binding contract to use the Site or submit an inquiry.
3. Accuracy of Information
You agree that the information you provide is true, accurate, and complete. You are responsible for keeping your contact information current.
4. Intellectual Property
All content on the Site, including text, graphics, logos, and images, is owned by or licensed to Patriot Home Refi and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
5. Prohibited Conduct
- Using the Site for any unlawful purpose or in violation of these Terms.
- Submitting false, misleading, or fraudulent information.
- Attempting to gain unauthorized access to the Site or its systems.
- Using automated tools to scrape, harvest, or copy content from the Site.
6. Disclaimers
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Rates, terms, and program availability are subject to change without notice.
7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PATRIOT HOME REFI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY LOAN PRODUCT OFFERED BY A THIRD-PARTY LENDER.
8. Indemnification
You agree to indemnify and hold harmless Patriot Home Refi, its affiliates, and their respective officers, directors, employees, and agents from any claims arising from your use of the Site or breach of these Terms.
9. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute shall be resolved exclusively in the state or federal courts located in Delaware.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after any change constitutes acceptance of the updated Terms.