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Terms of Use

Web Site Terms of Use Information This website is owned by Promise Home Loans, Inc (“PHL”). Please read these Web Site Terms of Use (“Terms of Use”) carefully before starting to use this website. By accessing, viewing, or using the systems, services, or materials on any sites linking to these Terms of Use (e.g., Promiseloans.com, collectively known as the “Site”), you indicate you’re understanding of these Terms of Use, and further, agree to accept such Terms of Use and to be legally bound by them. If you do not wish to agree to these Terms of Use, you should leave this Site.

  1. AVAILABILITY AND USE OF MATERIALS ON THE SITE “Materials” include information, forms, documents, software, and other content presents on or available to you from the Site. PHL may withdraw, revise, enhance or update the Site, and any services or Materials provided on the Site at any time. Materials that offer descriptions or information on available products are intended as general information and may not contain complete descriptions of all applicable terms, exclusions, and conditions.
  2. INTELLECTUAL PROPERTY RIGHTS, COPYRIGHT AND PROPRIETARY RIGHTS IN MARKS, LOGOS, AND MATERIALS The Site, and its content and functionality (including all information, software, tests, displays, images, video and audio, and the design and arrangement thereof), are owned by PHL, its licensors or other providers of the content and functionality and are protected by United States copyright and other applicable laws. Likewise, all service marks, logos, and Materials located on the Site are owned by PHL unless otherwise indicated and are also protected by the United States copyright laws and all other applicable laws. Removal or reproduction, by any means, of any content and functionality, Materials, logo, service mark, or the name of PHL, is expressly prohibited without the prior written consent of PHL.
  3. COMMUNICATIONS WITH THE SITE Except as set forth in PHL’s Privacy Policy located at this (URL) other specific terms and conditions applicable to using other platforms of communication with PHL which may conflict with these Terms of Use, or as required by privacy laws, if you elect to communicate with PHL via the Site or e-mail, you acknowledge that the information contained in your message shall not be considered confidential and that PHL shall be free to disclose or otherwise use such information contained therein without any liability or limitation, including but not limited to creating and marketing products and/or services using such information. PHL is not responsible and shall not be liable for the contents of information, messages, or other content posted to the Site by visitors or persons other than PHL employees. Opinions or comments contained in such items reflect the views of the author and not of PHL unless PHL expressly states the contrary.
  4. LINKS TO OTHER WEBSITES The Site may, from time to time, contain links to other internet websites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which PHL does not control, and PHL expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites. PHL does not control, endorse, promote, or have any affiliation with any other website unless expressly stated on the Site or in the other website.
  5. USE OF THE INTERNET Use of the Internet is solely at your own risk and is subject to all applicable state, national and international laws, and regulations. While PHL endeavors to apply security protocols that are necessary and appropriate to the types of electronic communications which occur through the use of the Site, the confidentiality of any communication or material transmitted to or from PHL via the Site, other websites, or internet e-mail cannot be guaranteed, including personal information such as your address or social security number. PHL will not be liable for any loss resulting from a cause over which PHL has no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
  6. SMS DISCLOSURE PHL’s SMS Terms & Conditions – For all SMS Communications Reply STOP to cancel. Message & Data Rates May Apply. Compatible carriers include AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, and U.S. Cellular. Alerts sent via SMS may not be delivered if the mobile phone is not in range of a transmission site, or if the sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of the wireless carrier may interfere with message delivery, including the customer’s equipment, terrain, proximity to buildings, foliage, and weather. The wireless carrier does not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages. To discontinue receiving SMS messages, reply with the text STOP. For additional help contact hello@promiseloans.com or call 877-339-1823. PHL respects your right to privacy. You can view our privacy policy here: (Privacy Policy Link)
  7. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL PHL BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE SITE OR ANY MATERIALS, EVEN IF MUTUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. PHL SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF PHLTO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE. THE SITE AND MATERIALS ARE PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, PHL DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE INFORMATION PRESENTED ON OR THROUGH THE SITE IS MADE AVAILABLE FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THIS INFORMATION. PHL DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, THAT THE SITE OR ANY MATERIALS WILL OPERATE IN AN ERROR-FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR MATERIALS WILL BE CORRECTED. SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES SO THEY MAY NOT APPLY TO YOU.
  8. INDEMNIFICATION You agree to defend, indemnify, and hold harmless PHL, its affiliates, and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, members, employees, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorneys’ fees and litigation expenses) relating to or arising from your use of the Site, any breach by you of these Terms of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter of these Terms of Use, or your failure to comply with applicable laws.
  9. GOVERNING LAW AND JURISDICTION These Terms of Use are governed by the laws of California without regard to that state’s principles of conflicts of laws. You consent to the jurisdiction of the federal and state courts presiding in Orange County, California, and irrevocably agree to accept service of process by mail, and hereby waive any and all jurisdictional and venue defenses otherwise available. This Site is intended solely for visitors within the United States and is controlled and operated by PHL from its offices within the United States. PHL makes no representation that Materials on the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so of their own volition, agree to use the Site only for lawful purposes, and are responsible for compliance with applicable laws.
  10. PRODUCT NOTICE The product information contained on this Site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale unless specifically indicated otherwise. All products listed may not be available in all states. For further information, please contact a PHL representative who can provide you with costs and complete details.
  11. CHANGES TO THE TERMS OF USE PHL may revise and update these Terms of Use from time to time, at its sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of the revised Terms of Use means that you accept and agree to the changes.