Terms & Conditions

1. Creating an Account

Make sure your account information is accurate, and you keep your account safe. You're responsible for your account and any activity on it. Also, you need to be at least 13 years old to use FIG Realty & Mortgage.

1.1 Signing Up

To use the Services, you must first create an account ("Account"). You agree to provide us with accurate, complete and updated information for your Account. We may need to use this information to contact you.

1.2. Staying Safe

Please safeguard your Account and make sure others don't have access to your Account or password. You must immediately notify us of any actual or suspected loss, theft or unauthorized use of your Account or password. You're solely responsible for any activity on your Account. We're not liable for any acts or omissions by you in connection with your Account.

1.3. Thirteen And Older

The Services are not intended for and may not be used by children under the age of 13. By using the Services, you represent that you're at least 13. Also, if you're under the age of 18, you must have your parent or guardian's consent to this Agreement, and they may need to enter into this Agreement on your behalf (depending on where you live).

2. Your Content

2.1 Your User Content Stays Yours

Users of the Services may provide us with content, including without limitation text, photos, images, audio, video, code and any other materials ("User Content"). Your User Content stays yours. These Terms don't give us any rights to User Content, except for the limited rights that enable us to provide, improve, promote and protect the Services as described herein.

2.2. Your License To Us

When you provide User Content via the Services, you grant FIG Realty & Mortgage a non-exclusive, worldwide, perpetual, royalty-free, sublicensable, transferable right and license to use, host, store, reproduce, modify, create derivative works of (such as those resulting from translations, adaptations or other changes we make so that User Content works better with the Services), communicate, publish, publicly display, publicly perform and distribute User Content for the limited purposes of allowing us to provide, improve, promote and protect the Services.

2.3. Featuring Your Site

We may use in perpetuity, worldwide and free of charge, any version of Your Sites (as defined below), or any portion thereof, for the limited purpose of FIG Realty & Mortgage marketing and promotional activities. You waive any claims against us relating to any moral rights, artists' rights or any other similar rights worldwide that you may have in or to Your Sites, and any right of inspection or approval of any such use of Your Sites. If you don't want Your Sites featured, you can opt out at anytime via the Services or by contacting us.

3. Your Responsibilities

3.1. Only Use Content You're Allowed To Use

You represent that you own all rights to your User Content or otherwise have (and will continue to have) all rights and permissions to legally use, share, display, transfer and license your User Content via the Services. If we use your User Content in the ways contemplated in this Agreement, you represent that such use will not infringe or violate the rights of any third party.

3.2. Follow Our Rules

You're responsible for your conduct and User Content, and you must comply with our Acceptable Use Policy. We may review your conduct and User Content for compliance with these Terms and our Acceptable Use Policy. With that said, we have no obligation to do so. We're not responsible for User Content.

3.3. Follow The Law

You represent that your use of the Services is not contrary to law, including without limitation applicable US export controls, regulations and sanctions.

3.4. Share Responsibly

The Services let you share User Content with others, including without limitation on social media and the open web, so please think carefully about what you share. We're not responsible for what you share via the Services.

3.5. Your Sites And Your End Users Are Your Responsibility

You may use the Services to create or publish sites, online stores and other products or services ("Your Sites"), and Your Sites may have their own visitors and users ("End Users"). You understand and agree that Your Sites and your End Users are your responsibility, and you're solely responsible for compliance with any laws or regulations related to Your Sites and your End Users.

4. Third Party Services And Sites, User Content

4.1. Third Party Services

The Services are integrated with various third party services, applications and sites (collectively, "Third Party Services"). These Third Party Services may have their own terms and policies, and your use of them will be governed by those terms and policies. We don't control Third Party Services, and we're not liable for Third Party Services or for any transaction you may enter into with them.

4.2. Third Party Sites

The Services may contain links to third party sites. When you access third party sites, you do so at your own risk. We don't control and aren't liable for those sites.

4.3. User Content

We haven't reviewed and can't review all of the User Content made available via the Services. By operating the Services, we don't represent or imply that we endorse User Content provided therein, or that we believe such User Content to be accurate, useful or non-harmful. We're not a publisher of, and we're not liable for, any User Content uploaded, posted, published or otherwise made available via the Services.

5. Our Intellectual Property

5.1. FIG Realty & Mortgage Owns FIG Realty & Mortgage

The Services are protected by copyright, trademark and other US and foreign laws. These Terms don't grant you any right, title or interest in the Services, our trademarks, logos or other brand features or intellectual property, or others' content in the Services.

5.2. We Can Use Your Feedback For Free

We welcome your feedback, ideas or suggestions ("Feedback"), but you agree that we may use your Feedback without any restriction or obligation to you, even after this Agreement is terminated.

5.3. Our Demo Content Is For Private Use Only

We may provide templates or other products featuring demo content. However, Demo Content is for private use only (unless we tell you otherwise).

6. Our Rights

We reserve these rights, which we may exercise at any time and in our sole discretion, and without liability or notice to you (except where prohibited by law): (a) we may change the Services and their functionality; (b) we may restrict access to or use of parts or all of the Services; (c) we may suspend or discontinue parts or all of the Services; (d) we may terminate, suspend or restrict your access to or use of parts or all of the Services; (e) we may terminate, suspend or restrict access to your Account or Your Sites; and (f) we may change our eligibility criteria to use the Services.

7. Privacy

Our Privacy Policy explains how we collect, use and share your and your End Users' information. By using the Services, you agree to our collection, use and sharing of information as set forth in the Privacy Policy.

8. Copyright

We respect the intellectual property of others and ask that you do too. We respond to notices of alleged copyright infringement if they comply with the law. We reserve the right to delete or disable content alleged to be infringing, and to terminate Accounts of repeat infringers without any refunds.

9. Paid Services And Fees

9.1. Fees

You can access certain portions of the Services by submitting a fee payment (such additional services, "Paid Services"). Paid Services will remain in effect until cancelled or terminated in accordance with this Agreement.

9.2. Taxes

All fees are exclusive of applicable federal, state, local or other taxes ("Taxes"). You're responsible for all applicable Taxes, and we'll charge Taxes in addition to the fees for the Services when required to do so.

9.3. Automatic Subscription Renewals

To ensure uninterrupted service, we'll automatically bill you for certain Paid Services from the date you submit your initial payment and on each renewal period thereafter until cancellation.

9.4. Refunds

While you may cancel any Paid Services at any time, you won't be issued a refund except in our sole discretion, or if legally required.

9.5. Fee Changes

We may change our fees at any time. When applicable, we'll give you advance notice of these fee changes via the Services.

9.6. Chargebacks

If you contact your bank or credit card company to decline, chargeback or otherwise reverse the charge of any payable fees to us ("Chargeback"), we may automatically terminate your Account.

10. Your eCommerce On FIG Realty & Mortgage

The Services include features that enable you to provide or sell products and services to, or otherwise collect payments from, your End Users (such activities, "Your eCommerce"). We're not a party to, and we aren't liable for, Your eCommerce. You're solely responsible for Your eCommerce, and compliance with any laws or regulations related thereto.

11. Term And Termination

This Agreement will remain in effect until terminated by either you or us. To terminate this Agreement, you may contact us or simply stop using the Services at any time. We reserve the right to suspend or terminate the Services at any time at our sole discretion and without notice.

12. Warranty Disclaimers

To the fullest extent permitted by law, FIG Realty & Mortgage makes no warranties, either express or implied, about the Services. The Services are provided "as is." FIG Realty & Mortgage also disclaims any warranties of merchantability, fitness for a particular purpose and non-infringement.

13. Limitation Of Liability

To the fullest extent permitted by law, in no event will FIG Realty & Mortgage be liable with respect to any claims arising out of or related to the Services or this Agreement for any indirect, special, incidental, exemplary, punitive or consequential damages; or any loss of profits, revenue, data, goodwill or other intangible losses.

14. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless FIG Realty & Mortgage from and against all damages, losses and expenses of any kind (including without limitation reasonable attorneys' fees and costs) arising out of or related to: (a) your breach of this Agreement; (b) your User Content, Your Sites and Your eCommerce; (c) any claims from your End Users; and (d) your violation of any law or regulation or the rights of any third party.

15. Dispute Resolution

15.1. Informal Resolution

Before filing a claim against FIG Realty & Mortgage, you agree to try to resolve the dispute by first emailing info@figmortgages.com with a description of your claim. We'll try to resolve the dispute informally by following up via email, phone or other methods.

15.2. Arbitration Agreement

You and FIG Realty & Mortgage agree to resolve any claims arising from or relating to the Services or this Agreement through final and binding arbitration and you and FIG Realty & Mortgage expressly waive trial by jury, except as set forth below.

15.3. Arbitration Opt-Out

You can decline this agreement to arbitrate by emailing us at info@figmortgages.com within thirty (30) days of the date that you first agree to this Agreement ("Opt-Out Period").

15.7. Exceptions To Arbitration Agreement

Either you or FIG Realty & Mortgage may assert claims, if they qualify, in small claims court in Los Angeles, California or any United States county where you live or work.

15.8. Judicial Forum For Disputes; Time For Filing

If our agreement to arbitrate is found not to apply to you or your claim, or if you opt out of arbitration pursuant to Section 15.3, you and FIG Realty & Mortgage agree that any judicial proceeding (other than small claims actions) must be brought exclusively in the federal or state courts of Los Angeles, California and you and FIG Realty & Mortgage consent to venue and personal jurisdiction in those courts.

15.9. NO CLASS ACTIONS

You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated or representative action.

16. Additional Terms

16.1. Entire Agreement

This Agreement constitutes the entire agreement between you and FIG Realty & Mortgage regarding the subject matter of this Agreement, and supersedes and replaces any other prior or contemporaneous agreements, or terms and conditions applicable to the subject matter of this Agreement.

16.2. Controlling Law

This Agreement and the Services shall be governed in all respects by the laws of the State of California, without regard to its conflict of law provisions.

16.3. Waiver, Severability And Assignment

Our failure to enforce any provision of this Agreement is not a waiver of our right to do so later. If any provision of this Agreement is found unenforceable, the remaining provisions will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible.

17. SMS Term and Condition

17.1. SMS Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

17.2. Types of SMS Communications

If you have consented to receive text messages from FIG Realty & Mortgage, you may receive messages related to external conversation such as responding to inquiries, providing support on the mortgage application, updating the loan status, and following up with the required documents for mortgage purposes.

17.3. Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 5 weekly SMS messages related to your loan transaction.

17.4. Potential Fees for SMS Messaging

Standard message and data rates may apply depending on your carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.

17.5. Opt-In Method

You may opt-in to receive SMS messages from FIG Realty & Mortgage by submitting an online form.

17.6. Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

17.7. Help

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at www.figmortgages.com/contact or (714) 908-7444.

17.8. SMS disclosure:

• If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
• Message and data rates may apply.
• You can opt-out at any time by texting "STOP."
• For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
• Message frequency may vary.