Legal Disclaimer

Effective Date: March, 2025

1. Acknowledgement and Acceptance

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by this Legal Disclaimer, as well as our Privacy Policy and any other policies posted on the site. If you do not agree with any portion of this disclaimer, please do not use our website.

2. Informational Purposes Only

- No Professional Advice: All content provided on our website is for informational and educational purposes only. Nothing contained herein is intended to serve as financial, legal, or tax advice. We strongly recommend that you consult with a qualified professional before acting on any information provided.
- No Guarantee of Results: While we strive to offer current and accurate information, we make no representations or warranties regarding the completeness, reliability, or accuracy of the information. All information is provided “as is” without any express or implied warranties.

3. Mortgage Loan Processing and Approval

- Role as a Broker: We operate solely as a licensed mortgage brokerage. We facilitate the mortgage application process but do not guarantee loan approval, specific interest rates, or loan terms. All final decisions are made by the respective lenders and underwriters.
- Loan Terms: Any descriptions or representations of loan products on our website are for general informational purposes only, and you should refer to the specific terms and conditions provided by the lender involved in your transaction.

4. Regulatory Compliance

- NMLS Compliance: We adhere to all applicable NMLS and state/federal regulations. Although our website and disclosures are designed to inform you about our compliance status, nothing on the site should be construed as a substitute for legal or regulatory guidance.
- Record Retention and Reporting: In our role as a mortgage brokerage, we maintain records and report relevant information as required by regulatory authorities.

5. Third-Party Content and External Links

- No Endorsement: Our website may include links to third-party websites and content. These links are provided solely for your convenience and informational purposes. We do not endorse or control the content or privacy practices of any third-party sites.
- Use at Your Own Risk: Accessing and using any third-party sites is solely at your own risk, and we accept no responsibility or liability for any loss or damage incurred as a result.

6. Risk Disclosure

- User Responsibility: Your use of our website and reliance on any content is entirely at your own risk. We assume no responsibility for any decisions or actions taken based on the information provided on our website.

- No Contractual Relationship: The use of our website does not create a contractual relationship between you and Texas Choice Home Loans LLC. All materials are provided for informational purposes only and do not constitute an offer, acceptance, or a binding agreement.

7. Limitation of Liability

- Extent of Liability: To the fullest extent permitted by law, Texas Choice Home Loans LLC, including our directors, officers, employees, agents, and affiliates, shall not be held liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages (including, but not limited to, loss of profits or data) arising out of or in any way connected with your use of or inability to use our website, or with respect to any information provided on the website—even if we have been advised of the possibility of such damages.

- No Liability for Errors: We are not responsible for any errors, omissions, or inaccuracies in the content provided. While we continually strive for accuracy, we make no assurances that the information is error-free or without omissions.

8. Indemnification

You agree to indemnify, defend, and hold harmless Texas Choice Home Loans LLC and our affiliates, and our respective directors, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

- Your use of or access to our website.
- Your violation of this Legal Disclaimer.
- Any infringement or violation of any rights of another party.

9. Intellectual Property Rights

All content on our website—including text, graphics, logos, images, and software—is the property of Texas Choice Home Loans LLC or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, and revocable license to access and use the website for its intended purpose, subject to the terms and conditions laid out herein.

10. Changes to This Legal Disclaimer

We reserve the right to amend or update this Legal Disclaimer at any time without prior notice. Any changes will be posted on this page along with an updated effective date. Your continued use of the website following any such modifications constitutes your acceptance of the changes.

11. Governing Law and Jurisdiction

This Legal Disclaimer shall be governed by, and interpreted in accordance with, the laws of the state of Texas without reference to its conflict of law principles. Any disputes arising under or relating in any way to this disclaimer or your use of the website shall be subject to the exclusive jurisdiction of the state and federal courts located in Houston, Texas.

12. Severability

If any provision of this Legal Disclaimer is determined to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.