1. Acceptance of Terms

Welcome to Watermark Home Loans. These Terms of Service (“Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Watermark Capital, Inc. dba Watermark Home Loans (“we,” “us,” or “our”) concerning your access to and use of the watermarkhomeloans.com website and any related media form, channel, mobile website, or application related, linked, or otherwise connected thereto (collectively, the “Site”). By accessing the Site, you agree that you have read, understood, and agree to be bound by all of these Terms. If you do not agree with all of these Terms, you are expressly prohibited from using the Site and must discontinue use immediately.

2. Description of Services & Financial Disclaimer

Watermark Home Loans provides information regarding residential mortgage lending products and services. This is not a commitment to lend. All loan products, rates, program terms, and conditions are subject to credit, income, and property approval, and are subject to change without notice. Not all products or programs are available in all areas, and lending guidelines are subject to state-specific restrictions. We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

3. Eligibility

The Site is intended for users who are at least 18 years old and reside in the United States. Persons under the age of 18 are not permitted to use or register for the Site. By using the Site, you represent and warrant that you meet these eligibility requirements.

4. Privacy and Communications

Your privacy is critically important to us. Please review our Privacy Policy and our SMS Privacy Policy to understand how we collect, use, and share your personal information. By using the Site, you agree to the terms of these policies. If you wish to manage your data preferences, please visit our Opt-Out Preferences page.

5. Prohibited Activities

As a user of the Site, you agree not to:

• Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site.
• Attempt to gain unauthorized access to the Site, other accounts, computer systems, or networks connected to the Site through hacking, password mining, or any other means.
• Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission.
• Use the Site to advertise or offer to sell goods and services, or engage in unauthorized framing of or linking to the Site.
• Upload or transmit viruses, Trojan horses, malware, or other material that interferes with the Site’s uninterrupted use.
• 6. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions.

7. Disclaimer of Warranties & Limitation of Liability

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF. IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE.

8. Governing Law

These Terms shall be governed by and defined following the laws of the State of California, without regard to its conflict of law principles.

9. Contact Us

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:

Watermark Home Loans
16500 Bake Pkwy, Irvine, CA 92618
Email: info@watermarkhomeloans.com
Phone: 1.800.896.9374
NMLS ID: 1838