Welcome to theherohomeloan.com!

This document outlines the Terms of Service ("Terms") governing your use of theherohomeloan.com website, located at theherohomeloan.com. By accessing our website, you agree to these Terms. If you do not accept these Terms, please refrain from using our website.

1. Definitions

In these Terms, the following definitions apply:

• "User," "You," and "Your" refer to you, the individual accessing our website.

• "theherohomeloan.com" "We," "Us," and "Our" refer to our company.

• "Content" refers to any material on our website.

• "Services" refers to the offerings provided by theherohomeloan.com.

2. Cookie Policy

We use cookies to enhance your experience on our website. By using our website, you consent to our use of cookies in accordance with our Privacy Policy.

3. Disclaimer on Content Accuracy

• The content on our website may occasionally contain errors. We do not guarantee its accuracy, completeness, or currentness.

• We may update the content at any time without prior notice, but are not obligated to keep it updated.

4. Intellectual Property Rights

• The content and intellectual property on our website are owned by theherohomeloan.com or its licensors.

• You are granted a limited license to access and use the website for personal, non-commercial purposes.

5. Prohibited Activities

You may not:

• Republish, sell, or sub-license our website content.

• Engage in any data harvesting activities on our website.

• Use our website for any unlawful purpose.

6. User Comments

• Users may post comments on our website. These comments do not reflect our views.

• We reserve the right to monitor and remove any inappropriate or offensive comments.

7. Hyperlinking Policy

• Certain organizations may link to our website without prior approval.

• We reserve the right to approve or reject linking requests from other organizations.

• Any approved link must not misrepresent our endorsement or relationship.

8. Content Liability

• We are not responsible for content appearing on your website that links to ours.

• We shall not be held liable for any claims arising from your website content.

9. Privacy

Refer to our Privacy Policy for information on how we handle your data.

10. Reservation of Rights

• We reserve the right to request the removal of any links to our website.

• Our Terms may be amended at any time without notice.

11. Liability Limitation

• We are not liable for any damages arising from the use or inability to use our website.

• Liability limitations apply unless prohibited by law.

12. Governing Law

• These Terms are governed by the laws of California.

• Any disputes will be subject to the jurisdiction of courts in California.

14. SMS Communications

• We may send you SMS (text) messages as part of our services. These messages may include informational updates, appointment reminders, and responses to your inquiries.

• By providing your mobile number and consenting to receive SMS communications, you agree to receive such messages from us.

• Message frequency varies based on your interaction with our services.

• Standard message and data rates may apply. Please check with your mobile service provider for details.

• You can opt out of receiving SMS messages at any time by: a) Replying "STOP" to any message you receive from us b) Contacting us at (201) 762-0914

• If you opt out, you may still receive non-promotional communications from us.

• For help or information about our SMS services, you can reply "HELP" to any message you receive from us or contact us at (201) 762-0914.

• We will not share your mobile number or consent to receive SMS messages with third parties for their marketing purposes without your explicit consent.

• By opting in to receive SMS messages, you certify that you are the mobile number owner or have the owner's permission to opt in.

15. Amendments to Terms

• We may modify these Terms at any time, with the revised Terms taking effect upon posting.