TERMS OF USE

Paramount Residential Mortgage Group, Inc.

Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY. CLICKING ONTO WEBPAGES BEYOND THE WEBSITE’S HOMEPAGE OR CLICKING ON A HYPERLINK, BOX OR ICON WITHIN THE WEBSITE INDICATES YOUR ACCEPTANCE AND AGREEMENT OF THESE TERMS OF USE. BY ACCESSING THIS WEBSITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE APPLICATION OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, EMAIL, MAIL, FAX OR OTHERWISE. BY ACCESSING THIS WEBSITE OR APPLICATION, YOU ALSO AGREE TO BE BOUND, IF APPLICABLE, BY SUCH OTHER TERMS OF USE AGREEMENTS THAT MAY BE NECESSARY FOR PRMG TO PROVIDE YOU ACCESS TO CERTAIN PRODUCTS. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE OR APPLICATION.

Welcome

Paramount Residential Mortgage Group, Inc. (“PRMG” or “company”) provides use of this Website or application including any content, functionality, tools and services (“Services”) subject to the following terms and conditions (“Terms of Use”). For purposes of this Agreement, (i) the terms “Website” and “Websites” include any applications and services; and (ii) “you” and “your” refer to any person who accesses or uses the Site or Services.

Accessing the Website

You agree and acknowledge that you have the sole responsibility and liability for your use of this Website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this Website. You agree you will comply with and be bound by these Terms of Use each time you access and use the Website and that each use of the Website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use.

Content

Although PRMG has tried to provide accurate and timely information, the content of this Website may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this Website, are subject to change at any time without notice. PRMG may change the products, services and other information identified on this site at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. The information published on this Website is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on this Website shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by PRMG in its sole and absolute discretion, notwithstanding your visit to and/or use of this Website.

No Unlawful or Prohibited Use

As a condition of your use of the Website, you warrant to PRMG that you will not use the Website for any purpose that is unlawful or prohibited by these terms and conditions. You may not use the Website in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website. Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other Website, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Website. If and when requested by PRMG, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of PRMG, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Website. Unauthorized individuals attempting to access prohibited areas of this Website will be held accountable and may be subject to prosecution as determined by appropriate law enforcement agencies. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on our Website. You agree that PRMG may terminate your password, account, or use of the Website in PRMG’s sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, PRMG may post notices or links to notices through the Website to inform you of changes to the applicable terms of use, the Website, or other matters of importance. If your use or access violate any law or any of these terms or conditions, your permission to use the Website or application automatically terminates.

No Minor Use

This Website or application is applicable to and should only be used by persons 18 years of age or older. Access and use of this Website by persons under the age of 18 is prohibited.

Use within the United States

This Website is intended to be accessed by persons located within the United States of America. Access and use of this Website by persons from locations other than the United States is prohibited.

Copyrights and Trademarks

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned/licensed by PRMG, unless otherwise indicated, and are protected by U.S. copyright laws. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. You are authorized to view the information available on the Website for your informational purposes only. If you download any information from this website for your personal reference you shall not obscure any copyright, trademark or other notices, and you acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems, without the express written permission of PRMG. Deliberate misuse of this Website is expressly prohibited and PRMG reserves the right to terminate your access to this Website at any time for any reason and to advise the legal authorities of any misuse of this Website, including, without limitation, hacking and the introduction of viruses or other malware. PRMG is a federally registered trademark, or a Common Law trademark or tradename, owned by PRMG. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website except as authorized in this paragraph. You may not use any of the PRMG trademarks as a link to the Website except pursuant to a written trademark license agreement.

Copyright complaints

If you believe, in good faith, that any materials on the Website infringe your copyrights, notifications of claimed copyright infringement should be sent, in accordance with Title 17, United States Code, Section 512(c)(2) (under the “Digital Millennium Copyright Act” or “DMCA”) to PRMG’s DMCA agent. Notification should include:

- - an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  - a description of the copyrighted work that you claim has been infringed;
  - a description of where the material you claim is infringing is located on the Website;
  - a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
  - information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted; and
  - a statement by you, made under penalty of perjury, that the above information in your notice is accurate, and that you are the copyright owner or duly authorized to act on the copyright owner’s behalf.

PRMG’s DMCA agent for notification of claimed copyright infringement by mail is:

Paramount Residential Mortgage Group Inc.
Attention: Legal Team
1265 Corona Pointe Court Suite 301
Corona, CA 92879

Links to Third Party Sites or Content

The Website may contain links to websites controlled or offered by third parties. PRMG hereby disclaims all liability for any other company’s website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the terms of use, privacy policies, or other provisions that are applicable to that site. A link to any service or website is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization. In addition, any advice, opinions, services, products, or recommendations provided by the linked site providers are those of the providers and not of PRMG. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.

Loan Calculators

The Services may provide you with a loan calculator to calculate information such as: the monthly principal payment amount required to pay off your loan by a specific date; when your loan balance will reach the desired loan to value ratio; the effect of making additional monthly principal payments; and the effect of making a lump sum principal payment. We do not guarantee the accuracy of the loan calculators provided on the Website. Projections are calculated with hypothetical figures that are entered by you with no verification from us. There is no guarantee that the projections given are accurate for your specific situation and can even be achieved. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. The estimate provided is not an application for credit and results do not guarantee loan approval or denial. You should seek personal advice from a qualified financial professional.

Information Sharing

If you submit an inquiry to PRMG through this site, application or otherwise for services, then you understand and agree that PRMG may share the information that you provide, including, but not limited to, your full name, birth date, address, telephone number, and social security number with our affiliates or partners so that they may process and/or respond to your inquiry or fulfill your request for services. You acknowledge that PRMG is not a party to any agreement that you may make with an affiliate or partner, and that the affiliate is solely responsible for its services to you. Nothing in these Terms of Use or on this application constitutes an offer for a loan commitment or interest rate lock agreement. You agree that PRMG shall not be liable for any damages or costs which arise from your use of the affiliate’s or partners goods or services.

Use of Technology

By submitting your contact information or inquiry for a loan product, you are consenting to be contacted by PRMG, Affiliates, and by our Partners by telephone, automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the Affiliates and Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an Affiliate or Partner, you agree to notify the Affiliate or Partner directly.

Indemnification

You agree to defend, indemnify, and hold harmless PRMG (and all of its direct and indirect subsidiaries) and each of its respective directors, officers, employees, agents, successors, and assigns from and against all losses, liabilities, damages, claims and expenses, including attorneys’ fees, arising out of, relating to, or resulting from your violation of these Terms of Use or misuse of the Service, the Website or the application, including such violation or misuses conducted by your employee or agent.

Testimonials

You acknowledge and agree that all testimonials submitted to PRMG will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to PRMG the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that PRMG may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.

Disclaimer and Limitation of Liability

THE SERVICES, INCLUDING THE WEBSITE (INCLUDING ALL CONTENT, FUNCTIONALITY, AND MATERIALS), ARE OFFERED BY PRMG ON AN “AS IS,” “AS AVAILABLE,” “WHERE IS,” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND—WHETHER EXPRESS, IMPLIED, OR STATUTORY—INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE. YOU ACKNOWLEDGE THAT NEITHER PRMG, ITS AFFILIATES, NOR ANY OF ITS RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY PROVIDERS, OR LICENSORS WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SERVICES. CALCULATORS AND TOOLS ON THE WEBSITE PROVIDE YOU WITH ESTIMATES THAT MAY BE DIFFERENT THAN ACTUAL AMOUNTS. PRMG DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED WEBSITES OR PURCHASED VIA LINKED WEBSITES. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL PRMG BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM OR MOBILE DEVICE, PROPERTY DAMAGE, AND BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL PRMG BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, LOST PROFITS, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE (OR INABILITY TO USE) OF THE SERVICES, THE SITE, ANY ONLINE SERVICES OR ANY INTERNET BROWSER SOFTWARE AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. YOU AGREE THAT YOU, AND NOT PRMG, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS, OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.

Consent to Electronic Delivery

You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our Website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the Website. You acknowledge that, for your records, you are able to use the Website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the Website. You accept electronic communications provided via PRMG as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:

Paramount Residential Mortgage Group Inc.
ATTN: Legal Team
1265 Corona Pointe Court Suite 301
Corona, CA 92879

Applicable Law

By visiting prmg.net, you agree that the laws of the State of California, without regard to principles of conflicts of laws, governs these Terms of Use and any dispute that might arise between you and PRMG. Failure by PRMG to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this Website shall be filed only in federal court in Riverside County, CA if federal subject matter jurisdiction exists or if not only in the state courts of Riverside County, CA in each case to the exclusion of all other courts. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Disputes

Any controversy or claim arising out of or relating to your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Any dispute between the parties must be submitted to binding arbitration administered by the AAA to take place in Riverside County, California before one arbitrator in accordance with the AAA Rules. In the event you institute such arbitration, then, without limiting the applicability of the AAA rules, the arbitrator will be obligated to award the prevailing party of any such proceedings all reasonable costs, attorneys’ fees and other expenses incurred by such prevailing party in the arbitration proceedings. Any award entered by the arbitrator may be enforced in any court of competent jurisdiction. You hereby waive any right to consolidate, join or combine any arbitration brought with any other matter pending in court or other arbitration proceeding. You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity. Regardless of any statute or law to the contrary, any claim or cause of action against PRMG arising out of or related to use of your use of the website or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or will be barred. Without waiving the foregoing arbitration agreement, this Agreement and its provisions shall be construed, interpreted, governed, and applied in accordance with the laws of the State of California, excluding its conflict of law principles.

General

PRMG reserves the right to modify these Terms of Use at any time without notice. Any change to these Terms of Use will be effective upon posting of such updated Terms of Use on the Site. The most current version of the Terms of Use will be available to you by clicking the link at the bottom of the Site. By continuing to access or use the Services after the date of any change to these Terms of Use, you agree to be bound by such terms contained in the most recent version of these Terms of Use. PRMG reserves the right to, in its sole discretion and without notice, deny you access and/or use of this Website or application for any reason or no reason at all.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Privacy

PRMG understands the need to safeguard your information from unauthorized use and disclosure. To the extent permitted by applicable law, by accessing or using the Application or Services, you understand and agree that PRMG may collect and retain personal or other information about you or the device you use to access the Site or Services. For information on how PRMG uses and protects the personal information that you may provide through this application, please visit our privacy policy at prmg.net/privacy-policy-home/

Questions

Questions regarding our Terms of Use, Privacy Policy or other policy related material can be directed to our support staff by emailing us at legal@prmg.net

Updates

These Terms and Conditions were last updated on 11/20/2022