These terms and conditions ("Terms") govern your use of the https://www.usfinancialnet.com (the "Website") operated by U.S. Financial Network, Inc. ("we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using the Website.

User Eligibility and Responsibility

1.1 Age Restriction: You must be at least 18 years old or of the legal age in your jurisdiction to access and use the Website.

1.2 Accuracy of Information: You agree that all information provided by you on the Website is true, accurate, and up-to-date. You are solely responsible for maintaining the confidentiality of any login credentials associated with your account.

1.3 Compliance with Laws: You agree to comply with all applicable laws, rules, and regulations in connection with your use of the Website.

Mortgage Brokerage Services

2.1 Website Content: The content provided on the Website is for informational purposes only and should not be considered as financial or legal advice. We do not guarantee the accuracy, completeness, or reliability of any content on the Website.

2.2 No Endorsement: The presence of any third-party products, services, or websites on the Website does not constitute an endorsement or recommendation by us. We are not responsible for any actions, omissions, or consequences arising from your use of such third-party products, services, or websites.

2.3 Availability: We strive to ensure the availability of the Website at all times, but we do not guarantee uninterrupted access or that the Website will be error-free. We reserve the right to modify, suspend, or discontinue the Website, or any part thereof, at any time without prior notice.

Intellectual Property

3.1 Ownership: The Website and its content, including but not limited to text, graphics, logos, trademarks, and software, are the intellectual property of U.S. Financial Network, Inc. or its licensors and are protected by applicable intellectual property laws.

3.2 Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Website solely for personal and non-commercial purposes. You may not modify, distribute, reproduce, transmit, or create derivative works based on the Website or any part thereof.

Limitation of Liability

4.1 Disclaimer: The Website is provided on an "as is" and "as available" basis without any warranties or representations, express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

4.2 Limitation of Liability: In no event shall we be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising out of or in connection with your use of the Website, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless U.S. Financial Network, Inc. and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Website or any violation of these Terms.

Modifications

We reserve the right to modify or amend these Terms at any time without prior notice. Any changes to these Terms will be effective immediately upon posting on the Website. Your continued use of the Website after the posting of any changes constitutes acceptance of those changes.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California/The United States of America. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of California/The United States of America.