Terms of Service: Rules for Using This Site

Last Updated: April 1, 2025

Please read these Terms of Service ("Terms") carefully before using calihomeowner.com (the "Site") operated by Mortgage Co ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using this Site, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

2. Educational Purpose Only

The content on this Site is for educational and informational purposes only. We are not a mortgage lender, broker, or financial advisor. Nothing on this Site constitutes:

• Financial, legal, or tax advice
• A mortgage offer, pre-approval, or rate quote
• A recommendation to buy, sell, or refinance any property
• An endorsement of any specific lender, product, or service

Always consult qualified professionals (mortgage lender, financial advisor, attorney, tax professional) before making financial decisions.

3. Accuracy of Information

We strive to keep all information accurate and up-to-date. However:

• Mortgage rates change frequently and may differ from displayed rates
• Calculator results are estimates only and may not reflect actual loan terms
• Lender information, requirements, and programs may change without notice
• Government program details are subject to change

We make no warranties about the completeness, accuracy, or reliability of any information on this Site.

4. Calculator and Tool Disclaimer

Our mortgage calculators and tools provide estimates for educational purposes. Results:

• Are not guaranteed and may not reflect actual loan terms
• Do not include all possible fees, taxes, or insurance costs
• Should not be relied upon as the sole basis for financial decisions
• May differ from actual lender calculations

5. Lender Reviews and Comparisons

Our lender reviews and comparisons reflect our editorial team's analysis and opinions. We evaluate lenders based on publicly available information, user feedback, and industry data. Individual experiences may vary.

6. Third-Party Links

This Site contains links to third-party websites, including government agencies, lenders, and educational resources. We are not responsible for the content, accuracy, or practices of third-party sites.

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, calculators, tools, and code — is the property of Mortgage Co and protected by copyright and intellectual property laws. You may not:

• Reproduce, distribute, or republish content without written permission
• Use our content for commercial purposes without authorization
• Remove copyright or attribution notices

8. User Conduct

When using this Site, you agree not to:

• Interfere with Site operations or security
• Attempt to access restricted areas or systems
• Use automated systems to scrape or collect content
• Transmit malware, spam, or harmful content
• Impersonate any person or entity

9. Limitation of Liability

To the fullest extent permitted by law, Mortgage Co shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, reliance on any information provided, or inability to access the Site.

10. Indemnification

You agree to indemnify and hold harmless Mortgage Co, its officers, employees, and agents from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of New Mexico , United States, without regard to conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting to the Site. Your continued use constitutes acceptance of the modified Terms.

13. Contact

For questions about these Terms, contact us or email info@mrtgco.com.