Terms of Use

Welcome to arizonahomeloansusa.com (the "Website"), operated by Todd Uzzell Home Loans ("we," "us," or "our"). By accessing or using this Website, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.

1. Acceptance of Terms

These Terms of Use govern your use of our Website and services. By using this Website, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Services Provided

Todd Uzzell Home Loans provides mortgage brokerage and lending services throughout Arizona. Information on this Website is for general informational purposes only and does not constitute financial, legal, or professional advice.

Services include but are not limited to:

• Mortgage broker services
• Direct mortgage lending
• FHA loans, VA loans, conventional loans, and other loan programs
• Refinancing services
• Mortgage consultation and pre-approval services

3. Use of Website

You agree to use this Website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Website in any way that violates any applicable federal, state, or local law or regulation
• Transmit any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to the Website
• Use any automated system, including robots, spiders, or scrapers, to access the Website
• Interfere with or disrupt the Website or servers or networks connected to the Website

4. Intellectual Property Rights

All content on this Website, including text, graphics, logos, images, and software, is the property of Todd Uzzell Home Loans or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of the content without our prior written consent.

5. Mortgage Application and Information

When you submit a mortgage application or provide personal information through our Website, you represent and warrant that:

• All information provided is accurate, current, and complete
• You have the authority to provide such information
• You will maintain the accuracy of such information
• Your use of the Website does not violate any applicable law or regulation

Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

6. No Guarantee of Loan Approval

Submission of a loan application through this Website does not guarantee loan approval. All loan applications are subject to underwriting approval and verification of information. Loan terms, rates, and fees are subject to change and are based on numerous factors including credit history, loan-to-value ratio, property type, and other criteria.

7. Third-Party Links

This Website may contain links to third-party websites or services that are not owned or controlled by Todd Uzzell Home Loans. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party websites you visit.

8. Disclaimer of Warranties

THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TODD UZZELL HOME LOANS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, TODD UZZELL HOME LOANS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

9. Limitation of Liability

IN NO EVENT SHALL TODD UZZELL HOME LOANS, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Todd Uzzell Home Loans and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your use of the Website or your violation of these Terms of Use.

11. Equal Housing Opportunity

Todd Uzzell Home Loans is committed to compliance with all federal, state, and local fair housing and fair lending laws. We are an Equal Housing Opportunity lender and do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, familial status, disability, or any other protected characteristic.

12. Licensing Information

Todd Uzzell Home Loans is licensed to conduct mortgage business in the State of Arizona. All loans are subject to credit approval and property appraisal. Not all applicants will qualify. Information, rates, and programs are subject to change without notice.

13. Changes to Terms of Use

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Maricopa County, Arizona.

15. Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Todd Uzzell Home Loans regarding the use of this Website.