Terms of Use

1. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) and capable of entering a binding contract to use the Services. If you use the Services on behalf of a business entity, you represent that you have authority to bind that entity. You may not use the Services where prohibited by law.

2. Not a lender; informational nature

ALAMEDA HOME LOANS LLC is not a bank, credit union, or lender. We may provide technology, marketing, and referral services that help you explore or request products from independent third-party lenders or service providers. Any loan approval, denial, amount, annual percentage rate (APR), fees, repayment schedule, and servicing are determined solely by the applicable third party based on its criteria and your creditworthiness. Nothing on the Services constitutes a commitment to lend, a guarantee of credit approval, or a specific rate or term offer unless and until you receive and accept a formal offer from a lender under legally required disclosures.

3. Accounts and security

If you create an account, you agree to provide accurate, current, and complete information and to update it as needed. You are responsible for safeguarding your credentials and for all activity under your account. Notify us promptly at support@alamedahomeloans.com if you suspect unauthorized access. We may suspend or terminate accounts that violate these Terms or pose security risks.

4. Acceptable use

You agree not to:

• Violate any applicable law, regulation, or third-party rights.
• Use the Services to transmit malware, interfere with networks, attempt unauthorized access, or probe or test vulnerabilities without authorization.
• Scrape, harvest, or collect personal information from the Services or other users without consent, or use automated means in a manner that burdens our infrastructure.
• Misrepresent your identity, affiliation, or authority; impersonate any person or entity.
• Use the Services to send unsolicited advertising, spam, or fraudulent communications.
• Reverse engineer, decompile, or attempt to extract source code except to the extent permitted by law.
• Circumvent or disable security features, access controls, or usage limits.

We may investigate violations and cooperate with law enforcement. We may remove content, suspend access, or take other remedial action where permitted by law.

5. Intellectual property

The Services, including software, text, graphics, logos, layouts, and trademarks, are owned by Company or our licensors and are protected by copyright, trademark, and other intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes. Except as expressly permitted, you may not copy, modify, distribute, sell, lease, or create derivative works from our materials without prior written consent.

6. Third-party services and links

The Services may link to or integrate third-party websites, applications, lenders, and service providers. Third-party terms and privacy policies govern their services. We do not control and are not responsible for third-party content, availability, or practices. Your interactions with third parties are solely between you and the third party.

7. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS; IN THOSE JURISDICTIONS, DISCLAIMERS ARE LIMITED TO THE MAXIMUM EXTENT PERMITTED.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS (US $100) OR (B) THE AMOUNTS YOU PAID US (IF ANY) FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS BEFORE THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

9. Indemnification

You will defend, indemnify, and hold harmless Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any law or third-party rights.

10. Dispute resolution; arbitration; class action waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

10.1 Informal resolution. Before filing a claim, you agree to contact us at support@alamedahomeloans.com and attempt to resolve the dispute informally for at least thirty (30) days.

10.2 Binding arbitration. Except where prohibited by law or where you opt out as provided below, any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by a recognized arbitration organization under its consumer rules, except that either party may bring an individual action in small claims court if the claim qualifies. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

10.3 Class action waiver. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, UNLESS OTHERWISE PROHIBITED BY LAW. If a court or arbitrator determines that class arbitration is permissible, the arbitration provisions will not apply and the dispute must be litigated in a court of competent jurisdiction.

10.4 Opt-out. You may opt out of arbitration by sending a written notice within thirty (30) days of first accepting these Terms to the mailing address below, including your name, address, and a clear statement that you opt out of arbitration. If you opt out, the arbitration provisions will not apply to you, but the class action waiver may still apply to the extent permitted by law.

10.5 Exceptions. Nothing in this section limits either party’s right to seek injunctive or equitable relief in a court of competent jurisdiction for intellectual property infringement or unauthorized access to the Services.

11. Governing law and venue

These Terms are governed by the laws of the State of [STATE-PLACEHOLDER], without regard to conflict-of-law principles, except where preempted by federal law. Subject to the arbitration provision, you agree that state or federal courts located in [STATE-PLACEHOLDER] will have exclusive jurisdiction over disputes not subject to arbitration, and you consent to personal jurisdiction in those courts.

12. Changes to these Terms

We may modify these Terms at any time. We will post the updated Terms on this page and update the effective date. If changes are material, we will provide additional notice as required by law. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Services.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without cause or notice. Upon termination, your right to use the Services ceases. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution.

14. Electronic communications

You consent to receive communications from us electronically, including email and notices posted within the Services. You agree that electronic communications satisfy any legal requirement that communications be in writing. Additional terms regarding electronic records and signatures may apply as described in our E-Consent Policy.

15. Miscellaneous

These Terms constitute the entire agreement between you and Company regarding the Services and supersede prior agreements on the subject. If any provision is found unenforceable, the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Section titles are for convenience only.

16. Contact

ALAMEDA HOME LOANS LLC
3033 Oro Blanco Dr
Colorado Springs, CO 80917-3733
United States
Email: support@alamedahomeloans.com
Phone: (724) 401-4783