Need Professional Advisor ?
Terms and Conditions
Last Updated: June 28, 2025
Please read these Terms and Conditions carefully before using our Service.
Interpretation and Definitions
Interpretation
Words with initial capital letters have meanings defined under the following conditions. These definitions shall have the same meaning whether they appear in singular or plural form.
Definitions
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
Country refers to California, United States.
Company (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to Fixed Rate Mortgage Inc dba Freedom Choice Lending, NMLS #1998153 www.nmlsconsumeraccess.org
Device means any device that can access the Service, such as a computer, cellphone, or digital tablet.
Service refers to the Website.
Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-Party Social Media Service means any services or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available by the Service.
Website refers to the Fixed Rate Mortgage Inc dba Freedom Choice Lending, NMLS #1998153 website at www.FreedomChoiceLending.com
You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement between You and the Company. These Terms set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms apply to all visitors, users, and others who access or use the Service.
By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, then You may not access the Service.
You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.
Your use of the Service is also subject to the Company’s Privacy Policy, which explains how We collect, use, and disclose Your personal data. Please read it carefully.
Links to Other Websites
Our Service may contain links to third-party websites or services not owned or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that the Company shall not be held responsible or liable for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on such content, goods, or services
.
Termination
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason, including if You breach these Terms.
Upon termination, Your right to use the Service will cease immediately.
Limitation of Liability
Notwithstanding any damages You might incur, the entire liability of the Company and its suppliers under any provision of these Terms shall be limited to the amount You actually paid through the Service or 100 USD if You have not made any purchases.
To the maximum extent permitted by law, the Company and its suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages (including loss of profits, data, or business), even if advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to You.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided “AS IS” and “AS AVAILABLE” with all faults and defects, without warranty of any kind. To the fullest extent permitted under applicable law, the Company disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
The Company does not guarantee that the Service will be error-free, uninterrupted, secure, or meet Your expectations. We do not warrant that any defects will be corrected or that the Service is free of viruses or other harmful components.
Some jurisdictions do not allow the exclusion of implied warranties or limitations on statutory rights, so some or all of the above exclusions may not apply to You.
Governing Law
The laws of the State of California, United States, excluding its conflict of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.
Dispute Resolution
If You have any concern or dispute about the Service, You agree to first attempt to resolve it informally by contacting the Company.
For European Union (EU) Users
If You are a consumer in the European Union, you will benefit from any mandatory provisions of the law of the country in which You reside.
United States Legal Compliance
You represent and warrant that:
You are not located in a country that is subject to a U.S. government embargo or designated as a “terrorist supporting” country.
You are not listed on any U.S. government list of prohibited or restricted parties.
Severability and Waiver
Severability
If any provision of these Terms is held to be unenforceable, such provision shall be modified to achieve the intent as closely as possible under applicable law, and the remaining provisions shall remain in full force and effect.
Waiver
No waiver of any breach or default under these Terms shall be deemed a waiver of any subsequent breach or default.
Translation Interpretation
These Terms and Conditions may have been translated. In case of a dispute, the English version shall prevail.
Changes to These Terms and Conditions
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide reasonable notice prior to the new terms taking effect.
By continuing to access or use the Service after those changes become effective, You agree to be bound by the revised Terms. If You do not agree, please stop using the Service.
Contact Us
If You have any questions about these Terms and Conditions, You can contact us:
By email: david@freedomchoicelending.com