Effective Date: July 15, 2025
Last Updated: July 15, 2025
Welcome to Clear Oak Mortgage (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of the website clearoakhomeloans.com (the “Site”) and any related services we provide (collectively, the “Services”).
By accessing or using our Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Site.
1.
Use of the Site
The Site is intended for use by individuals who are 18 years or older and reside in the United States. By using the Site, you represent that you meet these requirements.
You may use the Site only for lawful purposes and in accordance with these Terms. Unauthorized use of the Site or its content is strictly prohibited.
2.
Mortgage Services Disclosure
Clear Oak Mortgage is a licensed mortgage lender. Any mortgage or financial information provided on this Site is for informational purposes only and does not constitute an offer to lend or a commitment to extend credit. All loan approvals are subject to underwriting guidelines, credit approval, and property appraisal.
Loan terms, rates, and conditions are subject to change without notice.
3.
Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Site, you consent to the data practices described in the Privacy Policy.
4.
User Submissions
By submitting information through forms on the Site (such as loan applications, contact forms, or newsletter signups), you agree to provide accurate and complete information. You acknowledge and authorize Clear Oak Mortgage to use this information to contact you and, where applicable, evaluate your loan eligibility.
5.
Intellectual Property
All content, trademarks, graphics, logos, and designs on the Site are the property of Clear Oak Mortgage or its licensors and are protected under U.S. copyright and trademark laws. You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written permission.
6.
Third-Party Links
Our Site may contain links to third-party websites or services that are not owned or controlled by Clear Oak Mortgage. We are not responsible for the content, privacy practices, or accuracy of any third-party sites. Accessing such links is at your own risk.
7.
No Warranty
The Site and all content and services provided through it are offered “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.
8.
Limitation of Liability
To the maximum extent permitted by law, Clear Oak Mortgage shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:
- Your use or inability to use the Site
- Unauthorized access to or use of your personal information
- Any third-party content or links on the Site
9.
Indemnification
You agree to indemnify and hold harmless Clear Oak Mortgage, its affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, or expenses arising out of your use of the Site or violation of these Terms.
10.
Changes to the Terms
We reserve the right to modify these Terms at any time. If we make material changes, we will post the revised Terms on the Site with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the new Terms.
11.
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. Any legal action or proceeding relating to your access to or use of the Site shall be brought in a court of competent jurisdiction in Los Angeles County, California.
12.
Contact Us
If you have any questions about these Terms, you may contact us at:
📧 Email: info@clearoakhomeloans.com
📞 Phone: 800-317-4840