Terms of Service

Effective Date: January 1, 2025
Website: https://cynthiareynoso.com
Company: Reynoso & Co at Empower Home Loans

Welcome to the Reynoso & Co at Empower Home Loans website (“Site”). By accessing or using this Site, you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use this Site.

These Terms apply to all visitors, users, and others who access or use the Site.

No Financial or Legal Advice

The information provided on this Site is for general informational purposes only and is not intended to be financial, legal, tax, or investment advice. Use of this Site does not create a client relationship between you and Reynoso & Co at Empower Home Loans.

You should consult with a qualified professional regarding your specific financial, legal, or tax situation before making any decisions related to mortgage or loan products.

No Guarantee of Loan Approval or Terms

Information on this Site regarding mortgage products, rates, programs, or qualification requirements is subject to change without notice and may not reflect current offerings.

Submission of information through this Site, including through forms or prequalification tools, does not guarantee:

  • Loan approval

  • Specific interest rates

  • Loan terms or conditions

All mortgage applications are subject to credit approval, underwriting guidelines, and applicable laws and regulations.

Use of the Site

You agree to use this Site only for lawful purposes. You agree not to:

  • Use the Site in any way that violates applicable local, state, national, or international law

  • Attempt to gain unauthorized access to any portion of the Site, its servers, or connected systems

  • Interfere with or disrupt the operation or security of the Site

  • Use any automated system (including bots or scrapers) to access the Site without permission

We reserve the right to restrict or terminate your access to the Site if we believe you have violated these Terms.

User Submissions

If you submit information through the Site (such as contact forms, applications, surveys, or newsletter signups), you agree that:

  • The information you provide is accurate and complete to the best of your knowledge

  • You have the right to provide that information

  • You understand that submission of information does not create a client relationship or guarantee services

All personal information submitted through the Site is governed by our Privacy Policy.

Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, videos, downloads, and design elements, is the property of Reynoso & Co at Empower Home Loans or its content providers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view, download, or print content from the Site for personal, non-commercial use only. You may not:

  • Reproduce, distribute, modify, or republish Site content without prior written permission

  • Use any trademarks, logos, or branding without authorization

Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by Reynoso & Co at Empower Home Loans.

We are not responsible for the content, policies, or practices of any third-party websites. Accessing third-party sites is at your own risk, and you should review their terms and privacy policies.

Disclaimer of Warranties

This Site and all content and services provided through it are offered on an “as is” and “as available” basis.

Reynoso & Co at Empower Home Loans makes no warranties or representations, express or implied, including but not limited to:

  • The accuracy, completeness, or reliability of Site content

  • That the Site will be available without interruption or error

  • That defects will be corrected

  • That the Site or servers are free of viruses or other harmful components

Your use of the Site is at your sole risk.

Limitation of Liability

To the fullest extent permitted by law, Reynoso & Co at Empower Home Loans shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

  • Your use of or inability to use the Site

  • Any reliance on information provided on the Site

  • Any errors or omissions in Site content

This limitation applies even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Reynoso & Co at Empower Home Loans, its affiliates, employees, and partners from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of:

  • Your use of the Site

  • Your violation of these Terms

  • Your violation of any rights of a third party

Compliance with Laws

Reynoso & Co at Empower Home Loans operates in compliance with applicable federal and state lending laws and regulations. Mortgage products and services may not be available in all states.

Nothing on this Site constitutes an offer to lend in any jurisdiction where such an offer would be unlawful.

Changes to These Terms

We may update these Terms of Service at any time. When we do, we will revise the effective date at the top of this page.

Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms.

Governing Law

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

Contact Information

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

Reynoso & Co at Empower Home Loans
759 W. Alluvial Ave., Ste. 101
Fresno, CA 93711
Phone: (559) 859-3660
Email: Cynthia@cynthiareynoso.com