Terms of Use
Homeowner First – Terms of Use
Welcome to Homeowner First, LLC (“Homeowner First,” “we,” “our,” or “us”). These Terms of Use (“Terms” or “Agreement”) explain the rules for using our website (the “Site”) and any related services we provide (the “Services”).
Our Services are designed to share free resources and information about foreclosure prevention and homeowner support. We do not charge for this information. If a homeowner decides to sell, we may assist by purchasing the property ourselves or connecting them with another buyer.
By using our Site, you agree to these Terms. If you do not agree, please do not use the Site or Services.
Disputes under these Terms will generally be resolved through arbitration rather than in court, and class actions are not permitted.
- General Provisions
- Who we are: The Site is owned and operated by Homeowner First, LLC. “You” means anyone who visits or uses our Site or Services.
- Changes: We may update these Terms from time to time. Continued use of our Site means you accept any updated Terms.
- Other policies: Our [Privacy Policy] is part of this Agreement.
- Use of Our Services
- License: You are granted a limited, non-exclusive right to use our Site for personal purposes only.
- Restrictions: You agree not to misuse the Site, attempt to disrupt operations, or use automated tools to scrape or copy content.
- Your responsibility: If you provide information (such as filling out a form), you agree it will be accurate and up to date.
- Communications With Us
- Consent: By submitting your contact information, you agree that we may contact you by phone, text, or email regarding foreclosure-prevention resources or related services.
- Automated messages: Some communications may use automated systems. Standard carrier rates may apply. Consent is not required to use our Site.
- Opting out: You may revoke consent at any time by replying “STOP” to texts or using the unsubscribe link in emails.
- Intellectual Property
- Disclaimers
- As-Is Services: The Site and Services are provided “as is” without any guarantee of results. We do not promise that foreclosure prevention efforts will succeed in every case.
- No Professional Advice: We are not foreclosure consultants, attorneys, financial advisors, or credit counselors. All information is provided for general educational purposes only. You should seek independent legal, financial, or tax advice before making decisions about your property.
- Limitation of Liability
- Dispute Resolution & Arbitration
- Agreement to arbitrate: Any dispute related to your use of the Site or Services will be resolved by binding arbitration, except where small claims court or intellectual property protections apply.
- No jury or class actions: Disputes will be handled individually through arbitration, not jury trials or class actions.
- Informal resolution first: Both parties agree to try to resolve disputes directly before arbitration.
- Arbitration forum: Arbitration will take place in San Diego County, California, under JAMS rules (or similar).
- Opt-out: You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to: Homeowner First, 8880 Rio San Diego Drive, Suite 800, San Diego, CA 92108.
- Additional Legal Terms
- Assignment: You may not transfer your rights under this Agreement. We may assign ours.
- Entire agreement: These Terms and our Privacy Policy are the full agreement between you and us.
- Electronic notices: You agree to receive communications electronically, which satisfy legal requirements for written notice.
- Indemnification: You agree to protect and hold us harmless from claims related to your misuse of the Services.
- Governing law: These Terms are governed by California law. Any disputes must be resolved in San Diego County, California (unless arbitration applies).
- Severability: If one part of these Terms is invalid, the rest will still apply.