Legal Policies for CalebMackey.com
Terms and Conditions
1. Introduction
Welcome to CalebMackey.com, operated by Caleb Mackey, providing loan origination services as a sponsored mortgage loan originator under Home Loan Haus (NMLS #2516874). By accessing or using this Website, you agree to comply with these Terms and Conditions. If you do not agree, please refrain from using this Website.
2. Services Offered
Caleb Mackey provides mortgage loan origination services to realtors, homebuyers, and business partners. All loan origination activities are conducted in compliance with Home Loan Haus’s policies, licensing, and regulatory requirements. By using this Website, you acknowledge that Caleb Mackey (NMLS #2561934) is a licensed mortgage loan originator, not a financial consultant or advisor.
3. User Responsibilities
- You agree to provide accurate information when submitting forms or interacting with the Website.
- You will not use the Website for illegal purposes or to upload harmful content.
- All user-generated content must comply with applicable laws and not infringe on third-party rights.
4. Intellectual Property
All content, including but not limited to text, images, videos, logos, and designs, is owned by Caleb Mackey unless stated otherwise. Use of royalty-free images adheres to their respective licenses. Unauthorized use of any content is prohibited.
5. Limitation of Liability
Caleb Mackey and Home Loan Haus are not responsible for any errors, omissions, or inaccuracies in the information provided on the Website. Users acknowledge that decisions made based on this Website’s content are at their own risk.
6. Disclaimer
The information on this Website is for informational purposes only. Caleb Mackey is not acting as a financial consultant and does not provide investment or financial advice. All services provided are subject to Home Loan Haus’s oversight and policies.
7. Governing Law
These Terms and Conditions are governed by the laws of Colorado, United States.
Privacy Policy
1. Information We Collect
- Personal Information: Names, email addresses, and other details provided via forms.
- Tracking Data: Information collected through cookies or similar technologies to analyze Website usage.
2. How We Use Your Information
- To provide loan origination services through Home Loan Haus.
- To communicate with users regarding inquiries or business relationships.
- To improve the Website’s functionality.
3. Data Sharing
Your personal information will not be sold or shared with third parties except as required by law or to comply with legal obligations. By using this Website, you consent to the sharing of your data with Home Loan Haus for the purpose of loan origination services.
4. Security
We implement reasonable security measures to protect your information. However, no method of transmission over the Internet is 100% secure.
5. Your Rights
- You can request access to, correction of, or deletion of your personal information by contacting [email protected].
Cookie Policy
1. What Are Cookies?
Cookies are small data files stored on your device to enhance user experience and track Website usage.
2. Types of Cookies We Use
- Essential Cookies: Necessary for Website functionality.
- Analytics Cookies: Track user behavior to improve the Website.
3. Managing Cookies
You can control cookie preferences through your browser settings. Note that disabling cookies may affect Website functionality.
Affiliation Disclosure
CalebMackey.com operates as part of Caleb Mackey’s services as a sponsored mortgage loan originator under Home Loan Haus (NMLS #2516874). All loan origination activities are conducted in compliance with Home Loan Haus’s policies, licensing, and regulatory requirements.
Disclaimer: Caleb Mackey is not acting as a financial consultant or advisor. All information provided on this Website is for informational purposes only and should not be considered professional financial advice. Decisions based on the content of this Website are made at the user’s own risk.
Licensing and Compliance
Caleb Mackey (NMLS #2561934) provides services through Home Loan Haus (NMLS #2516874), a licensed mortgage company in Colorado. By using this website, you agree that all services are subject to applicable state and federal laws, including the Equal Credit Opportunity Act (ECOA) and Fair Housing Act.
Contact Information
For inquiries or concerns about these policies:
Acknowledgment
By using CalebMackey.com, you acknowledge that you have read, understood, and agree to these policies.
