1. Acceptance of Terms

By using any website or app operated by New American Funding, LLC (“Company”), you agree to these Terms of Use (“Agreement”). These terms apply to all services, tools, and content offered through the sites and apps. “You” refers to anyone using our services, even on someone else’s behalf.

Important: This is a legal agreement. By using our site or app, you confirm your acceptance. If you disagree, please do not use our services.

2. Arbitration and Legal Waivers

This Agreement includes a mandatory arbitration clause, class action waiver, and jury trial waiver (see Section 22). Disputes will be resolved individually through arbitration. See Section 23 for mass arbitration procedures.

3. Disclaimers

Sections such as Section 15 explain our limitations on liability and warranties. Continued use of our services means you accept all updates or changes to this Agreement.

4. How We Use Your Information

By using our services, you allow us to share your info with:

• Our partners, to provide mortgage or home-related services.
• Other parties involved in your transaction (like real estate agents).

Read our Privacy Policy for details.

5. Account Access

Some features require account creation. You’re responsible for your login info and any activity done using your account. Notify us immediately of unauthorized use.

6. Security Practices

If using a shared device, always log out and clear your browser. You are responsible for any activity on your account, even by others using your device.

7. Service Availability

We can’t guarantee uninterrupted access to our sites or services. Technical issues, maintenance, or device compatibility may affect availability.

8. Permitted and Prohibited Uses

Use our sites only for lawful mortgage-related purposes. You must:

• Be at least 18 and live in a state where we operate.
• Use the sites legally and ethically.

Do not:

• Misuse or interfere with the system.
• Send spam, malware, or offensive content.
• Pretend to be someone else or misrepresent your affiliation.

9. Intellectual Property Rights

All content on our sites belongs to us or our licensors. You may not copy, use, or modify any content without written permission.

10. User Content

If you post or upload content (“User Submissions”), you give us and our partners permission to use it. You must have the rights to post and ensure it complies with our guidelines.

11. Content Guidelines

Your content must:

• Be legal and respectful.
• Not violate privacy or IP rights.
• Be truthful and not misleading.

12. External Links

We may link to third-party sites. These sites have their own terms and privacy policies. We are not responsible for their content or actions.

13. Technology Use & Communication

We may contact you using automated systems (calls, texts, emails) related to your account or services. These messages may contain important loan or service updates.