Terms of Use

By accessing or using the website of West One Capital Group Inc. ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Use ("Terms"). These Terms constitute a legally binding agreement between you and West One Capital Group Inc. governing your access to and use of this website (the "Site") and all related services.

If you do not agree to these Terms, please do not access or use the Site. We reserve the right to modify these Terms at any time, and your continued use of the Site after any modification constitutes your acceptance of the revised Terms.

Eligibility: You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you meet this requirement.

Permitted Use: You may access and use the Site for lawful purposes only, in accordance with these Terms. You agree to use the Site solely for personal, non-commercial purposes, unless otherwise expressly authorized by us in writing.

Prohibited Conduct: You agree not to:

Violate Laws: Use the Site in any manner that violates applicable local, state, federal, or international law or regulation.

Transmit Harmful Content: Upload, post, or transmit any material that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable.

Interfere with Systems: Attempt to interfere with, disrupt, or gain unauthorized access to the Site, its servers, or any connected networks.

Data Scraping: Use any automated means, including robots, spiders, or scrapers, to access, collect, or index any portion of the Site without our express written permission.

Impersonation: Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.

Transmit Spam: Send unsolicited communications, promotions, or advertisements.

Ownership: All content on this Site — including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software — is the property of West One Capital Group Inc. or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use only. This license does not include the right to:

Reproduce or Copy: Reproduce, duplicate, copy, or sell any portion of the Site or its content.

Modify: Modify, adapt, translate, or create derivative works based on the Site or its content without our express written consent.

Commercial Use: Use the Site or its content for any commercial purpose or for any public display, whether commercial or non-commercial.

Trademarks: West One Capital Group Inc., its logo, and all related names, logos, product and service names, designs, and slogans are trademarks of West One Capital Group Inc. You must not use such marks without our prior written permission.

Informational Purposes Only: The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes professional financial, legal, tax, or investment advice. You should consult a qualified professional before making any financial decisions.

No Guarantee of Loan Approval: Information provided on this Site does not constitute a commitment to lend. All loans are subject to credit approval, property appraisal, income verification, and other standard underwriting criteria. Rates, terms, and availability of loan products are subject to change without notice.

Accuracy of Information: We strive to maintain accurate and current information on the Site, but we make no representations or warranties as to the accuracy, completeness, or timeliness of any information. Mortgage rates and product terms displayed are subject to change at any time without notice.

Third-Party Calculators & Tools: Any calculators or financial tools provided on the Site are for estimation purposes only. Results are approximate and should not be relied upon as definitive financial guidance.

West One Capital Group Inc. may use artificial intelligence (AI)-powered systems to communicate with you via text messages, phone calls, emails, or chatbots. By submitting your contact information through this Site, you acknowledge and agree to the following:

Consent to AI Contact: You consent to receive automated or AI-generated communications from us in connection with your mortgage inquiry or application, including appointment reminders, follow-up messages, and application status updates.

Opt-Out: You may opt out of AI-powered text messages at any time by replying STOP. For other AI communications, contact us at teamfreedom@westonecap.com.

TCPA Compliance: By providing your phone number, you consent to receive calls and text messages from West One Capital Group Inc., including via auto-dialer or AI-generated voice, at the number you provide. Standard message and data rates may apply.

Human Contact: You always have the right to request communication with a human representative at any time by contacting us directly.

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. Our Privacy Policy explains how we collect, use, and share information about you when you use the Site or communicate with us, including through AI-powered systems.

Please review our Privacy Policy carefully. By using this Site, you consent to our collection and use of personal information as described in the Privacy Policy. If you do not agree to the Privacy Policy, do not use this Site.

The Site may contain links to third-party websites or services that are not owned or controlled by West One Capital Group Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

No Endorsement: The inclusion of any link does not imply our endorsement of the linked site. We strongly advise you to review the terms and privacy policy of any third-party site you visit.

Third-Party Services: We may use third-party tools, platforms, or services (including AI communication providers, analytics providers, and mortgage technology platforms) in connection with our services. Your use of those third-party services may be subject to their own terms and conditions.

AS-IS Basis: The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. West One Capital Group Inc. disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

No Liability for Errors: We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or server that makes it available are free of viruses or other harmful components.

Limitation of Liability: To the fullest extent permitted by applicable law, West One Capital Group Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) the Site or its content, even if we have been advised of the possibility of such damages.

Maximum Liability: Our total liability to you for any claim arising out of or relating to these Terms or your use of the Site shall not exceed one hundred dollars ($100.00).

You agree to defend, indemnify, and hold harmless West One Capital Group Inc. and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

Your Violation of Terms: Your violation of these Terms of Use.

Your Use of the Site: Your use of the Site in any manner not expressly authorized by these Terms.

Your Content: Any content you submit, post, or transmit through the Site.

Infringement: Your infringement of any intellectual property or other rights of any person or entity.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Jurisdiction: Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Orange County, California, and you hereby consent to the personal jurisdiction of those courts.

Arbitration: We reserve the right to require that any dispute arising out of or relating to these Terms be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court. You waive any right to a jury trial or to participate in a class action.

Time Limitation: Any claim or cause of action arising out of or related to use of the Site or these Terms must be filed within one (1) year after such claim or cause of action arose, or it shall be forever barred.

West One Capital Group Inc. is a licensed mortgage company. Our NMLS ID is 982017.

**Licensed by the Department of Financial Protection and Innovation** under the California Residential Mortgage Act.

Equal Housing Lender: We are committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate based on race, color, national origin, religion, sex, familial status, disability, age, marital status, or any other legally protected characteristic.

NMLS Consumer Access: You may verify our licensing information through the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.

All loan products are subject to credit and property approval. Programs, rates, terms, and conditions are subject to change without notice.

West One Capital Group Inc. reserves the right to revise and update these Terms of Use at any time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means you accept and agree to the changes.

We encourage you to check this page periodically so you are aware of any changes, as they are binding on you. If we make material changes, we may provide additional notice such as a prominent posting on our Site or an email to users where applicable.

If you have any questions about these Terms of Use, please contact us:

West One Capital Group Inc.

Address: 3333 Michelson Drive, Suite 425, Irvine, CA 92612

Phone: 833.681.4339

Fax: 949-818-2533

Email: teamfreedom@westonecap.com

We will make every effort to respond to your inquiry promptly.