{"id":519,"date":"2025-02-24T17:10:49","date_gmt":"2025-02-24T17:10:49","guid":{"rendered":"https:\/\/carpenterhomeloans.com\/?page_id=519"},"modified":"2025-02-24T17:12:29","modified_gmt":"2025-02-24T17:12:29","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/carpenterhomeloans.com\/es\/terms-of-service\/","title":{"rendered":"Terms of Service"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"519\" class=\"elementor elementor-519\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef77a8e e-flex e-con-boxed e-con e-parent\" data-id=\"6ef77a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62b38f2e elementor-widget elementor-widget-text-editor\" data-id=\"62b38f2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"1959516647\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-uw-styling-context=\"true\" data-diy-text=\"\"><h1 class=\"m-size-36\"><span class=\"m-font-size-36\">Terms of Service for\u00a0<\/span><span class=\"m-font-size-36\"><span class=\"inline-data-binding\" data-encoded-value=\"d3d3LndlYnNpdGUuY29t\" data-inline-binding=\"site_text.website address\">carpenterhomeloans.com<\/span><\/span><\/h1><\/div><div id=\"1369186776\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-diy-text=\"\"><p data-start=\"269\" data-end=\"289\"><strong data-start=\"269\" data-end=\"289\">Terms of Service<\/strong><\/p><p data-start=\"291\" data-end=\"322\"><strong data-start=\"291\" data-end=\"308\">Last Updated:<\/strong> 2.24.25<\/p><h3 data-start=\"324\" data-end=\"350\">1. Acceptance of Terms<\/h3><p data-start=\"352\" data-end=\"620\">By accessing and using the Carpenter Home Loans website (\u201cSite\u201d), you agree to be bound by these Terms of Service (\u201cTerms\u201d) as well as our <a href=\"https:\/\/carpenterhomeloans.com\/es\/privacy-policy\/\" target=\"_new\" rel=\"noopener\" data-start=\"491\" data-end=\"555\">Pol\u00edtica de privacidad<\/a>. If you do not agree to these Terms, please do not use the Site.<\/p><h3 data-start=\"622\" data-end=\"652\">2. Description of Services<\/h3><p data-start=\"654\" data-end=\"885\">Carpenter Home Loans provides real estate financing information, products, and services through its Site. All content provided on the Site is for informational purposes only and does not constitute professional or financial advice.<\/p><h3 data-start=\"887\" data-end=\"909\">3. Use of the Site<\/h3><ul data-start=\"911\" data-end=\"1372\"><li data-start=\"911\" data-end=\"1099\"><strong data-start=\"913\" data-end=\"928\">Lawful Use:<\/strong> You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else\u2019s use and enjoyment of the Site.<\/li><li data-start=\"1100\" data-end=\"1249\"><strong data-start=\"1102\" data-end=\"1123\">Automated Access:<\/strong> You may not use automated tools (e.g., bots, scrapers) to access or interact with the Site without our prior written consent.<\/li><li data-start=\"1250\" data-end=\"1372\"><strong data-start=\"1252\" data-end=\"1267\">Compliance:<\/strong> You are responsible for ensuring your use of the Site complies with all applicable laws and regulations.<\/li><\/ul><h3 data-start=\"1374\" data-end=\"1408\">4. Privacy and Data Collection<\/h3><ul data-start=\"1410\" data-end=\"2567\"><li data-start=\"1410\" data-end=\"1667\"><strong data-start=\"1412\" data-end=\"1437\">Personal Information:<\/strong> In using the Site, you may be asked to provide Personally Identifiable Information (PII) such as your name, email address, phone number, and other details. This data is collected when you fill out forms or interact with our site.<\/li><li data-start=\"1668\" data-end=\"1811\"><strong data-start=\"1670\" data-end=\"1693\">Use of Information:<\/strong> We may use your information to send order updates, newsletters, marketing communications, or to improve our services.<\/li><li data-start=\"1812\" data-end=\"2008\"><strong data-start=\"1814\" data-end=\"1836\">Security Measures:<\/strong> Your information is stored behind secured networks, and we use technologies such as Secure Socket Layer (SSL) encryption and regular malware scanning to protect your data.<\/li><li data-start=\"2009\" data-end=\"2365\"><strong data-start=\"2011\" data-end=\"2036\">Cookies and Tracking:<\/strong> We use cookies to enhance your experience, remember your preferences, and compile aggregate data about site traffic. Third-party tools, such as Google Analytics and Facebook Pixel, may also collect data about your interactions with the Site as described in our <a href=\"https:\/\/carpenterhomeloans.com\/es\/privacy-policy\/\" target=\"_new\" rel=\"noopener\" data-start=\"2298\" data-end=\"2362\">Pol\u00edtica de privacidad<\/a>.<\/li><li data-start=\"2366\" data-end=\"2567\"><strong data-start=\"2368\" data-end=\"2392\">Third-Party Sharing:<\/strong> We do not sell or trade your PII to outside parties, except to trusted service providers who help us operate the Site and who are bound to keep your information confidential.<\/li><\/ul><h3 data-start=\"2569\" data-end=\"2597\">5. Intellectual Property<\/h3><ul data-start=\"2599\" data-end=\"3019\"><li data-start=\"2599\" data-end=\"2817\"><strong data-start=\"2601\" data-end=\"2615\">Ownership:<\/strong> All content on the Site\u2014including text, graphics, logos, images, and software\u2014is the property of Carpenter Home Loans or its content suppliers and is protected by applicable intellectual property laws.<\/li><li data-start=\"2818\" data-end=\"3019\"><strong data-start=\"2820\" data-end=\"2836\">Limited Use:<\/strong> You may view and print content for personal, non-commercial use only. Reproduction, distribution, or modification of any content without our express written permission is prohibited.<\/li><\/ul><h3 data-start=\"3021\" data-end=\"3067\">6. Disclaimers and Limitation of Liability<\/h3><ul data-start=\"3069\" data-end=\"3688\"><li data-start=\"3069\" data-end=\"3229\"><strong data-start=\"3071\" data-end=\"3089\">\u201cAs Is\u201d Basis:<\/strong> The Site and its content are provided on an \u201cas is\u201d and \u201cas available\u201d basis without any warranties of any kind, either express or implied.<\/li><li data-start=\"3230\" data-end=\"3421\"><strong data-start=\"3232\" data-end=\"3245\">Accuracy:<\/strong> While we strive to keep information accurate and up to date, Carpenter Home Loans does not guarantee the accuracy, completeness, or reliability of any information on the Site.<\/li><li data-start=\"3422\" data-end=\"3688\"><strong data-start=\"3424\" data-end=\"3438\">Liability:<\/strong> In no event shall Carpenter Home Loans, its affiliates, or their respective officers, directors, employees, or agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of your access to or use of the Site.<\/li><\/ul><h3 data-start=\"3690\" data-end=\"3727\">7. Third-Party Links and Services<\/h3><ul data-start=\"3729\" data-end=\"4162\"><li data-start=\"3729\" data-end=\"3907\"><strong data-start=\"3731\" data-end=\"3750\">External Links:<\/strong> The Site may contain links to third-party websites. We do not control or endorse these sites and are not responsible for their content or privacy practices.<\/li><li data-start=\"3908\" data-end=\"4162\"><strong data-start=\"3910\" data-end=\"3929\">Tracking Tools:<\/strong> Third-party services such as Google and Facebook may use cookies or similar technologies to track your behavior on our Site. These services are subject to their own privacy policies, and you should review those policies for details.<\/li><\/ul><h3 data-start=\"4164\" data-end=\"4193\">8. User-Generated Content<\/h3><ul data-start=\"4195\" data-end=\"4567\"><li data-start=\"4195\" data-end=\"4428\"><strong data-start=\"4197\" data-end=\"4216\">License to Use:<\/strong> If you post content (e.g., comments, reviews) on the Site, you grant Carpenter Home Loans a non-exclusive, worldwide, royalty-free, and irrevocable license to use, reproduce, modify, and distribute that content.<\/li><li data-start=\"4429\" data-end=\"4567\"><strong data-start=\"4431\" data-end=\"4455\">Your Responsibility:<\/strong> You represent and warrant that any content you submit does not violate any laws or the rights of third parties.<\/li><\/ul><h3 data-start=\"4569\" data-end=\"4589\">9. Data Security<\/h3><ul data-start=\"4591\" data-end=\"4951\"><li data-start=\"4591\" data-end=\"4770\"><strong data-start=\"4593\" data-end=\"4616\">Security Practices:<\/strong> We implement a variety of security measures\u2014including secure networks, SSL encryption, and regular malware scanning\u2014to protect your personal information.<\/li><li data-start=\"4771\" data-end=\"4951\"><strong data-start=\"4773\" data-end=\"4790\">No Guarantee:<\/strong> While we take precautions to safeguard your data, we cannot guarantee absolute security, and you acknowledge that you provide your information at your own risk.<\/li><\/ul><h3 data-start=\"4953\" data-end=\"4989\">10. Modifications to These Terms<\/h3><p data-start=\"4991\" data-end=\"5269\">Carpenter Home Loans reserves the right to modify or update these Terms at any time without prior notice. Any changes will be posted on this page with an updated \u201cLast Updated\u201d date. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.<\/p><h3 data-start=\"5271\" data-end=\"5315\">11. Governing Law and Dispute Resolution<\/h3><ul data-start=\"5317\" data-end=\"5668\"><li data-start=\"5317\" data-end=\"5487\"><strong data-start=\"5319\" data-end=\"5337\">Governing Law:<\/strong> These Terms shall be governed by and construed in accordance with the laws of Arizona, United States, without regard to its conflict of law provisions.<\/li><li data-start=\"5488\" data-end=\"5668\"><strong data-start=\"5490\" data-end=\"5513\">Dispute Resolution:<\/strong> Any disputes arising from your use of the Site will be resolved in accordance with applicable law in the jurisdiction where Carpenter Home Loans operates.<\/li><\/ul><h3 data-start=\"5670\" data-end=\"5697\">12. Contact Information<\/h3><p data-start=\"5699\" data-end=\"5782\">If you have any questions about these Terms or our practices, please contact us at:<\/p><p data-start=\"5784\" data-end=\"5871\"><strong data-start=\"5784\" data-end=\"5808\">Carpenter Home Loans<\/strong><br data-start=\"5808\" data-end=\"5811\" \/>Mesa, AZ, United States<br data-start=\"5834\" data-end=\"5837\" \/>Email: <a rel=\"noopener\" data-start=\"5844\" data-end=\"5871\">nina@carpenterhomeloans.com<\/a><\/p><\/div><div id=\"1046657554\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-uw-styling-context=\"true\" data-diy-text=\"\"><p>\u00a0<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Terms of Service for\u00a0carpenterhomeloans.com Terms of Service Last Updated: 2.24.25 1. Acceptance of Terms By accessing and using the Carpenter Home Loans website (\u201cSite\u201d), you agree to be bound by these Terms of Service (\u201cTerms\u201d) as well as our Privacy Policy. If you do not agree to these Terms, please do not use the Site. 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