Home Loan For Heroes

Terms of Service

Effective Date: January 31, 2026

Welcome to Heroes Home Network. These Terms of Service ("Terms") govern your use of our

website and services. By accessing or using our website, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our services.

Acceptance of Terms

By accessing, browsing, or using the Heroes Home Network website (the "Site") and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and Heroes Home Network.

Services

Provided

Heroes Home Network provides mortgage lending services, educational resources, and consultation services specifically designed for military members, veterans, first responders, healthcare workers, educators, and other service professionals ("Heroes").

Services Include

• Mortgage pre-qualification and loan origination

• VA loan assistance and consultation

• Home buying guides and educational resources

• Referrals to real estate professionals and service providers

• Financial education and planning assistance

Eligibility

To use our services, you must:

• Be at least 18 years of age

• Have the legal capacity to enter into binding contracts

• Provide accurate and complete information

• Not be prohibited from receiving services under applicable laws

Not a

Commitment

to Lend

IMPORTANT: The information provided on this Site does not constitute a commitment to lend, an offer of credit, or a guarantee of loan approval. All loan applications are subject to credit approval, verification of information, and satisfaction of all applicable underwriting requirements.

Interest rates, terms, and conditions are subject to change without notice and may vary based on your individual circumstances, creditworthiness, property type, and other factors.

Accuracy of

Information

Your Responsibility

You agree to provide accurate, current, and complete information when:

• Filling out forms on our Site

• Submitting loan applications

• Communicating with our team

• Providing financial or personal documentation

You must promptly update any information that changes to ensure accuracy.

Our Information

While we strive to provide accurate and up-to-date information on our Site, we make no warranties or representations regarding:

Intellectual

Property

Our Content

All content on the Heroes Home Network website, including but not limited to:

• Text, graphics, logos, images, and icons

• Software, code, and functionality

• Guides, articles, and educational materials

• Trademarks, service marks, and trade names

...is the exclusive property of Heroes Home Network or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Permitted Use

You may:

• View and download materials for personal, non-commercial use

• Print copies of resources for your own reference

• Share links to our website with proper attribution

Prohibited Use

You may NOT:

• Modify, reproduce, or distribute our content without permission

• Use our content for commercial purposes

• Remove copyright or proprietary notices

• Reverse engineer or decompile any software or code

• Create derivative works based on our materials

User

Conduct

When using our Site and services, you agree NOT to:

• Provide false, misleading, or fraudulent information

• Impersonate another person or entity

• Violate any applicable laws or regulations

• Infringe upon the rights of others

• Transmit viruses, malware, or harmful code

• Attempt to gain unauthorized access to our systems

• Interfere with the proper functioning of the Site

• Scrape, harvest, or collect data from the Site without permission

• Use automated systems (bots, scrapers) without authorization

Privacy

and Data Protection

Privacy and

Data Protection

Your use of our Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

Third-Party Links and Services

Third-Party Links

and Services

Our Site may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We do not:

• Endorse or control third-party content

• Assume responsibility for third-party practices

• Make warranties about third-party services

You access third-party sites at your own risk and subject to their terms and policies.

Disclaimers and Limitations of Liability

Disclaimers

and

Limitations

of Liability

No Legal or Financial Advice

The information on our Site is for general informational purposes only and does not constitute:

• Legal advice

• Financial advice

• Tax advice

• Investment advice

You should consult with appropriate professionals for advice specific to your situation.

"As Is" Basis

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability

• Fitness for a particular purpose

• Non-infringement

• Accuracy or completeness of content

• Uninterrupted or error-free service

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEROES HOME NETWORK SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, or consequential damages

• Loss of profits, revenue, or data

• Business interruption

• Damages arising from your use or inability to use the Site

• Reliance on information provided on the Site

• Unauthorized access to your data

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Indemnification

You agree to indemnify, defend, and hold harmless Heroes Home Network, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site or services

• Your violation of these Terms

• Your violation of any rights of others

• Any false or misleading information you provide

• Your negligent or wrongful conduct

Equal Housing Opportunity

Heroes Home Network is an Equal Housing Lender. We do not discriminate on the basis of:

• Race, color, or national origin

• Religion or creed

• Sex or gender

• Familial status

• Disability or handicap

• Age

• Military or veteran status

• Sexual orientation or gender identity

Licensing and

Compliance

Heroes Home Network operates in compliance with all applicable federal and state lending laws and regulations, including:

• Truth in Lending Act (TILA)

• Real Estate Settlement Procedures Act (RESPA)

• Equal Credit Opportunity Act (ECOA)

• Fair Housing Act

• State licensing requirements

NMLS #2040562

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted to the Site with an updated "Effective Date." Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

Material changes will be communicated through:

• Prominent notice on the Site

• Email notification (if we have your email address)

• Updated date at the top of these Terms

• To exercise these rights, please contact us using the information below.

Termination

Our Right to Terminate

We reserve the right to:

• Suspend or terminate your access to the Site

• Refuse service to anyone

• Remove or disable content

• Take legal action if necessary

...at our sole discretion, without notice, for any reason including:

• Violation of these Terms

• Fraudulent or illegal activity

• Provision of false information

• Abusive or threatening behavior

Your Right to Discontinue

You may stop using our services at any time. However, you remain responsible for any obligations incurred before termination.

Effect of Termination

Upon termination:

• Your right to use the Site immediately ceases

• We may delete your account and information (subject to legal requirements)

• Provisions that should survive termination will remain in effect

Dispute

Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Colorado, without regard to its conflict of law provisions.

Arbitration Agreement

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof shall be resolved through binding arbitration, except that either party may seek injunctive or equitable relief in court.

Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Heroes Home Network individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Exceptions

Either party may bring a claim in small claims court if it qualifies.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless in writing and signed by an authorized representative of Heroes Home Network.

Assignment

You may not assign or transfer these Terms or your rights and obligations hereunder without our prior written consent. We may assign these Terms at any time without notice or consent.

Contact Information

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

Heroes Home Network
Email: [email protected]
Phone: (555) 123-4567
Address: [Your Business Address]

Acknowledgment

BY USING OUR SITE AND SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

Last Updated: January 31, 2026