Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These Terms constitute a legally binding agreement between you and Compass Lending Group, LLC.

2. Description of Services

Compass Lending Group, LLC provides mortgage lending services including:

• Residential mortgage loans
• Refinancing services
• Mortgage consultation and guidance
• Loan application processing
• Related financial services

We are licensed mortgage brokers and work with various lenders to provide competitive loan options to our clients.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

We reserve the right to refuse service to anyone at our sole discretion.

4. User Responsibilities

As a user of our website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account information
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use our services to transmit harmful or malicious code
• Comply with all applicable laws and regulations

5. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video, and software, is the property of Compass Lending Group, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without written consent
• Reverse engineer or attempt to extract source code
• Remove or alter any copyright or proprietary notices

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

7. Disclaimers and Limitations

Website Content

The information on this website is provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be available at all times
• The information is accurate, complete, or current
• The website will be free from errors or viruses
• The website will meet your requirements

Limitation of Liability

To the maximum extent permitted by law, Compass Lending Group, LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for:

• The content, privacy policies, or practices of third-party websites
• Any transactions between you and third parties
• The availability or functionality of third-party services
• Any damages or losses arising from third-party interactions

Your use of third-party websites is at your own risk and subject to their terms of service.

9. Prohibited Uses

You may not use our website or services for any unlawful or prohibited purpose, including but not limited to:

• Violating any applicable laws or regulations
• Transmitting harmful, threatening, or offensive content
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of our website
• Collecting information about other users
• Impersonating another person or entity

10. Termination

We may terminate or suspend your access to our website and services at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms of Use
• Fraudulent or illegal activity
• Non-payment of fees (if applicable)
• At our sole discretion

Upon termination, your right to use our services will cease immediately.

11. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Orange County, California.

12. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of material changes by:

• Posting the updated Terms on our website
• Sending email notifications to registered users
• Providing notice through our services

Your continued use of our website after changes become effective constitutes acceptance of the updated Terms.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.

14. Contact Information

If you have questions about these Terms of Use, please contact us: