Terms of Use

Welcome to the Home First Mortgage website ("Site"). These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Home First Mortgage ("Company," "we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

For questions or concerns regarding these Terms, please contact us at: team.ie@homefirst.digital

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site.

2. Eligibility

This Site is intended for use by individuals who are at least 18 years old and reside in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You are prohibited from using the Site:

• In any way that violates applicable federal, state, or local law or regulation.
• To exploit, harm, or attempt to exploit or harm others, including minors.
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent.
• To impersonate or attempt to impersonate Home First Mortgage, a Home First Mortgage employee, another user, or any other person or entity.
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.
• To introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

4. User Accounts

If you create an account on the Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Immediately notify us of any unauthorized use of your account.
• Be responsible for all activities that occur under your account.

We reserve the right to suspend or terminate your account at our discretion, including for any violation of these Terms.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Home First Mortgage or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from the Site without our prior written consent, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use.

6. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including information collected through AI-powered communications. Please review our Privacy Policy carefully.

7. AI-Powered Communications and Automated Contact

7.1. Disclosure of Automated Communications

By providing your contact information to Home First Mortgage, you acknowledge and agree that we may contact you using automated systems, including but not limited to artificial intelligence (AI)-powered text messages, phone calls, and emails. These communications may be used for purposes such as responding to inquiries, providing updates on your mortgage application, delivering account notifications, or offering relevant products and services.

Examples of such communications include:

• Automated text messages or phone calls to the number you provide, which may use AI-generated or prerecorded voice technology.
• AI-powered chatbots or virtual assistants responding to your inquiries on the Site or via email.

7.2. Consent and Opt-Out

By using the Site and submitting your contact information, you expressly consent to receive communications from us via AI-powered systems as described above. You may opt out of receiving automated communications at any time by following the instructions provided in the message (e.g., replying "STOP" to a text message) or by contacting us at team.ie@homefirst.digital.

7.3. Transparency and Human Assistance

We are committed to transparency in our communications. When you interact with our AI-powered systems, you will be informed at the outset that you are communicating with an automated system. If you prefer to interact with a human representative, you may request human assistance at any time, and we will provide a means for you to do so.

7.4. Data Collection and Use

Information collected during AI-powered communications may be used to improve our services, process your requests, and for other business purposes as described in our Privacy Policy. We take reasonable measures to protect your data and comply with all applicable privacy and data protection laws.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Home First Mortgage. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Home First Mortgage shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

9. Disclaimers

The Site and all content, products, and services provided through it are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Home First Mortgage does not warrant that:

• The Site will function uninterrupted, secure, or available at any particular time or location.
• Any errors or defects will be corrected.
• The Site is free of viruses or other harmful components.
• The results of using the Site will meet your requirements.

Your use of the Site is at your sole risk. The information provided on the Site is for general informational purposes only and should not be construed as financial, legal, or professional advice.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Home First Mortgage, its affiliates, officers, directors, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Site.
• Any conduct or content of any third party on the Site.
• Any content obtained from the Site.
• Unauthorized access, use, or alteration of your transmissions or content.

In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount you have paid us in the past six (6) months, or one hundred dollars ($100), whichever is greater.

11. Indemnification

You agree to defend, indemnify, and hold harmless Home First Mortgage and its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns 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 these Terms or your use of the Site.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Home First Mortgage is headquartered, without regard to its conflict of law provisions.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not in a class, consolidated, or representative action.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Site after any revisions become effective, you agree to be bound by the revised terms.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired, and such provision shall be deemed modified to the minimum extent necessary to make such provision valid, legal, and enforceable.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and Home First Mortgage concerning your use of the Site and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and Home First Mortgage.

16. Waiver

No waiver by Home First Mortgage of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Home First Mortgage to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Contact Information

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

Email: team.ie@homefirst.digital