Effective Date: December 14, 2025

These Terms & Conditions (“Terms”) govern your access to and use of dreambigownership.com (the “Site”), operated by Dream Big Ownership (“Dream Big Ownership,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1) Who we are

Dream Big Ownership provides information about mortgage-related services and allows visitors to submit inquiries. The Site may include educational content and a lead/contact form.

2) No lending commitment or guaranteed results

Any information on the Site is for general informational purposes only and is not a commitment to lend, a guaranteed rate, or a guaranteed loan approval. Loan programs, pricing, rates, and eligibility requirements are subject to change without notice and depend on underwriting, credit, property, and other factors.

3) Not financial, legal, or tax advice

Content on the Site is not financial, legal, or tax advice. You should consult appropriate professionals regarding your specific situation.

4) No client relationship created by using the Site

Using the Site, viewing content, or submitting an inquiry does not create a broker-client relationship or any other fiduciary relationship. A relationship begins only if and when we agree in writing (or through a formal application process) to provide services to you.

5) Eligibility

You must be at least 18 years old to use this Site.

6) Submitting information through forms

If you submit information through a Site form, you represent that:

the information is accurate to the best of your knowledge,

you have the right to provide it, and

you will not submit sensitive information you do not want transmitted electronically (for example, full SSN, bank login credentials, or account passwords) unless specifically requested through a secure, approved channel.

We may contact you using the information you provide (including by phone, email, or text), consistent with applicable law. Message and data rates may apply if texting is used.

7) Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and share information, including cookies and tracking technologies (Google Analytics and Meta Pixel).

8) Intellectual property

All content on the Site—including text, graphics, logos, videos, and design—is owned by or licensed to Dream Big Ownership and is protected by intellectual property laws. You may view and print content for personal, non-commercial use only. You may not copy, reproduce, distribute, modify, create derivative works, or exploit Site content without our prior written permission.

9) Acceptable use

You agree not to:

use the Site for unlawful purposes,

attempt to gain unauthorized access to the Site or its systems,

interfere with the Site’s operation (including introducing malware),

scrape, harvest, or collect information from the Site without permission,

submit false or misleading information via forms.

10) Third-party services and links

The Site may integrate with or link to third-party services (for example, analytics, advertising pixels, or embedded tools) or third-party websites. We do not control third-party sites/services and are not responsible for their content, policies, or practices. Your use of third-party services is at your own risk.

11) Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DREAM BIG OWNERSHIP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).

13) Indemnification

You agree to defend, indemnify, and hold harmless Dream Big Ownership and its owners, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your misuse of the Site, violation of these Terms, or violation of any law or third-party rights.

14) Changes to the Site and Terms

We may update the Site and these Terms at any time. Changes are effective when posted. Your continued use of the Site after changes means you accept the updated Terms.

15) Governing law and venue

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising from these Terms or the Site will be brought in the state or federal courts located in California, and you consent to their jurisdiction.

16) Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

17) Entire agreement

These Terms (together with the Privacy Policy) constitute the entire agreement between you and Dream Big Ownership regarding the Site and supersede any prior understandings relating to the Site.

18) Contact

Dream Big Ownership
Email: [email protected]
Phone: 530-221-7700
Mailing Address: 2777 Bechelli Lane, Redding, CA 96002