Terms of Use
Policy Details
Terms of Use
Last Updated: September 14, 2024
Welcome to the website of Custom MTG Inc., doing business as Custom Mortgage and Real Estate (“CMRE,” “Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at www.cmre.c-mtg.com (the “Site”), as well as any related services and transactions you conduct with us through the Site.
By accessing, browsing, or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you are prohibited from using or accessing the Site.
1. Acceptance of Terms
By using the Site, you affirm that:
- You are at least 18 years of age and possess the legal authority to enter into this agreement.
- Your use of the Site constitutes your acceptance of these Terms, which form a legally binding agreement between you and CMRE.
- You agree to comply with all applicable federal, state, and local laws, regulations, and rules regarding your use of the Site.
- You will use the Site solely for personal, non-commercial purposes related to obtaining mortgage-related services from CMRE.
2. Modification of Terms
We reserve the right, at our sole discretion, to change, modify, add, or remove portions of these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. It is your responsibility to review these Terms periodically for updates.
3. Website Ownership and Operation
The Site is owned and operated by Custom MTG Inc., located at:
Custom Mortgage and Real Estate (CMRE)
16501 Ventura Blvd, STE 400
Encino, CA 91436
All content, features, and functionality on the Site—including text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and other materials (collectively, the “Content”)—are the property of CMRE or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
4. Permitted Use
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its Content for personal, non-commercial purposes, strictly in accordance with these Terms.
5. Prohibited Uses
You agree not to use the Site for any unlawful or prohibited activities, including but not limited to:
- Unauthorized Access: Attempting to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site.
- Disruption: Interfering with or disrupting the operation of the Site or the servers or networks used to make the Site available.
- Data Mining: Using any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission.
- Misrepresentation: Impersonating any person or entity or misrepresenting your affiliation with a person or entity.
- Violation of Laws: Using the Site in a manner that violates any applicable laws, regulations, or these Terms.
- Intellectual Property Infringement: Uploading, posting, or transmitting any content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party.
- Malicious Code: Introducing viruses, trojan horses, worms, or other material that is malicious or technologically harmful.
6. User Accounts and Security
Certain features or services offered on or through the Site may require you to create an account (including setting up a username and password). You are responsible for maintaining the confidentiality of your account information and are fully responsible for all activities that occur under your account. You agree to:
- Notify Us Immediately: Inform us promptly of any unauthorized use of your account or any other breach of security.
- Ensure Logout: Exit from your account at the end of each session.
CMRE will not be liable for any loss or damage arising from your failure to comply with these obligations.
7. Intellectual Property Rights
A. Ownership
All Content on the Site is owned, controlled, or licensed by CMRE and is protected by intellectual property laws. Unauthorized use of the Content may violate copyright, trademark, and other laws.
B. Trademarks
The trademarks, logos, service marks, and trade names displayed on the Site are registered and unregistered trademarks of CMRE and its affiliates or third parties. You may not use these marks without the prior written consent of CMRE or the respective owners.
C. Limited License
You may download or print a copy of any portion of the Content solely for your personal, non-commercial use, provided you do not modify the Content and retain all proprietary notices.
8. Submissions and Testimonials
A. User Submissions
By submitting any ideas, suggestions, documents, or proposals (“Submissions”) to CMRE, you acknowledge and agree that:
- Non-Confidentiality: Your Submissions are non-confidential and non-proprietary.
- License Grant: You grant CMRE a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, modify, publish, translate, distribute, and display such Submissions.
B. Testimonials
If you provide testimonials or feedback, you consent to CMRE using your name, testimonial, and any other information you provide, in any media or format, without compensation or further consent.
9. Third-Party Links and Services
The Site may contain links to third-party websites or services that are not owned or controlled by CMRE. These links are provided for your convenience only. CMRE has no control over and assumes no responsibility for:
- Content and Privacy: The content, privacy policies, or practices of any third-party websites or services.
- Endorsement: The inclusion of any link does not imply endorsement by CMRE.
You acknowledge and agree that CMRE shall not be responsible or liable for any damage or loss caused by or in connection with the use of such external sites or resources.
10. Privacy Policy
Your use of the Site is subject to CMRE’s Privacy Policy, which is hereby incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.
11. Disclaimers
A. General Disclaimer
The Site and all Content, products, and services available through the Site are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied.
B. No Warranty
CMRE disclaims all warranties, express or implied, including but not limited to:
- Merchantability and Fitness: Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
- Accuracy and Reliability: No warranty that the Site will be accurate, reliable, uninterrupted, secure, or error-free.
C. No Responsibility
CMRE does not warrant that:
- The Site will meet your specific requirements.
- Any errors or defects will be corrected.
- The Site is free of viruses or other harmful components.
12. Limitation of Liability
In no event shall CMRE, its affiliates, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or exemplary damages, including but not limited to:
- Loss of Profits: Damages for loss of profits, goodwill, use, data, or other intangible losses.
- Resulting From Use: Any damages resulting from your use or inability to use the Site or Content.
CMRE’s total liability to you for all claims arising out of or relating to these Terms or your use of the Site shall not exceed the amount you paid, if any, to CMRE for access to or use of the Site.
13. Indemnification
You agree to indemnify, defend, and hold harmless CMRE and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:
- Your Use: Your use of the Site.
- Violation of Terms: Your breach or violation of these Terms.
- Violation of Rights: Your violation of any third-party rights, including intellectual property or privacy rights.
14. Termination
CMRE reserves the right, in its sole discretion, to terminate or suspend your access to all or part of the Site, without notice, for any reason, including without limitation, breach of these Terms. Upon termination, the disclaimers, limitations of liabilities, and indemnities set forth in these Terms shall survive.
15. Governing Law and Jurisdiction
These Terms and any disputes arising out of or relating to these Terms or the Site shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
You agree to submit to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
16. Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall remain in full force and effect.
17. Entire Agreement
These Terms, along with any other legal notices and agreements published by CMRE on the Site, constitute the entire agreement between you and CMRE concerning your use of the Site, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written.
18. No Waiver
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. CMRE’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
19. Contact Information
If you have any questions, comments, or concerns about these Terms or the Site, please contact us at:
Custom MTG Inc. DBA Custom Mortgage and Real Estate (CMRE)
16501 Ventura Blvd, STE 400
Encino, CA 91436
Email: info@c-mtg.com
Phone: 877-976-5669
20. Additional Terms and Policies
Your use of the Site is also subject to the following policies, which are incorporated into these Terms by reference:
- Privacy Policy: View Privacy Policy
- Email and Text Policy: View Email and Text Policy
- Financial Privacy Policy: View Financial Privacy Policy
Please review these policies to understand our practices.
21. Electronic Communications
By using the Site or sending electronic communications to us, you consent to receive electronic communications from us. We may communicate with you by email, SMS/text messages, or by posting notices on the Site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
22. Consent to Be Contacted
By providing your contact information through the Site, you consent to receive communications from CMRE, including but not limited to telephone calls, text messages, emails, and postal mail, regarding your inquiry or transaction. Standard message and data rates may apply.
23. Fair Lending Statement
CMRE is an equal housing lender committed to fair and responsible lending practices. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, age, disability, or because all or part of your income is derived from any public assistance program.
24. Licensing Information
CMRE is licensed to operate in specific states and jurisdictions. For licensing and disclosure information, please visit our Licensing Page.
25. Consumer Credit Reports
By submitting an application or inquiry through the Site, you authorize CMRE to obtain consumer credit reports and related information about you from one or more consumer credit reporting agencies.
26. Monitoring and Recording
For quality assurance purposes, CMRE may monitor or record telephone calls and other communications between you and our representatives. By communicating with us, you consent to such monitoring and recording.
27. Assignment
You may not assign or transfer any rights or obligations under these Terms without the prior written consent of CMRE. CMRE may assign or transfer its rights and obligations under these Terms without restriction.
28. Other Terms, Policies, Disclosures and Disclaimers:
By using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.