Terms of Service
Last Updated: 2.24.25
1. Acceptance of Terms
By accessing and using the Carpenter Home Loans website (“Site”), you agree to be bound by these Terms of Service (“Terms”) as well as our Privacy Policy. If you do not agree to these Terms, please do not use the Site.
2. Description of Services
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.
3. Use of the Site
- Lawful Use: 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’s use and enjoyment of the Site.
- Automated Access: You may not use automated tools (e.g., bots, scrapers) to access or interact with the Site without our prior written consent.
- Compliance: You are responsible for ensuring your use of the Site complies with all applicable laws and regulations.
4. Privacy and Data Collection
- Personal Information: 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.
- Use of Information: We may use your information to send order updates, newsletters, marketing communications, or to improve our services.
- Security Measures: 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.
- Cookies and Tracking: 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 Privacy Policy.
- Third-Party Sharing: 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.
5. Intellectual Property
- Ownership: All content on the Site—including text, graphics, logos, images, and software—is the property of Carpenter Home Loans or its content suppliers and is protected by applicable intellectual property laws.
- Limited Use: 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.
6. Disclaimers and Limitation of Liability
- “As Is” Basis: The Site and its content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied.
- Accuracy: 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.
- Liability: 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.
7. Third-Party Links and Services
- External Links: 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.
- Tracking Tools: 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.
8. User-Generated Content
- License to Use: 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.
- Your Responsibility: You represent and warrant that any content you submit does not violate any laws or the rights of third parties.
9. Data Security
- Security Practices: We implement a variety of security measures—including secure networks, SSL encryption, and regular malware scanning—to protect your personal information.
- No Guarantee: 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.
10. Modifications to These Terms
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 “Last Updated” date. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.
11. Governing Law and Dispute Resolution
- Governing Law: 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.
- Dispute Resolution: 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.
12. Contact Information
If you have any questions about these Terms or our practices, please contact us at:
Carpenter Home Loans
Mesa, AZ, United States
Email: nina@carpenterhomeloans.com
