Terms of Service

1. Introduction

Welcome to Keyswag Lending. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using the website and services, you agree to comply with these Terms. If you do not agree with these Terms, please do not use our services.

2. Use of Our Services

a. Eligibility

By using our services, you confirm that you are at least 18 years old and legally able to enter into a binding agreement. If you are using our services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

b. User Responsibility

You agree to use our services only for lawful purposes. You are solely responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

c. Prohibited Activities

You agree not to engage in any of the following activities:

• Using the website for any illegal or unauthorized purpose.
• Attempting to access or use another user’s account without permission.
• Interfering with or disrupting the website’s operation.
• Uploading or transmitting any malicious software, viruses, or harmful code.

3. Loan Services and Disclaimers

a. Loan Applications

Keyswag Lending offers mortgage and loan-related services, including loan application assistance, refinancing, and personalized lending options. We do not guarantee approval for any loan, as approval depends on a range of factors, including creditworthiness, financial status, and third-party lender requirements.

b. No Financial Advice

The content on our website is for general informational purposes only and should not be considered financial or legal advice. We recommend consulting with a qualified financial advisor before making any major financial decisions.

c. Service Availability

While we strive to provide continuous access to our services, we cannot guarantee that the website or any service will be available at all times. We may experience occasional downtime due to maintenance, technical issues, or other unforeseen circumstances.

4. Account Registration

To use certain features of our services, you may be required to create an account. By registering, you agree to provide accurate and up-to-date information. You are responsible for maintaining the security of your account and ensuring that your login credentials are kept confidential.

5. Intellectual Property

a. Ownership

All content, designs, logos, and materials on the Keyswag Lending website are the intellectual property of Keyswag Lending or its licensors and are protected by copyright, trademark, and other intellectual property laws.

b. Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial use. You may not reproduce, distribute, or exploit any content from our website without prior written consent from Keyswag Lending.

c. User-Generated Content

If you submit or post content to our website (e.g., reviews or testimonials), you grant us a worldwide, royalty-free, perpetual license to use, modify, and display that content in connection with our services. You retain ownership of the content but agree that we may use it in our marketing or promotional materials.

6. Privacy

Your use of our services is also governed by our [Privacy Policy](link to privacy policy). By using the website, you consent to the collection and use of your information as described in the Privacy Policy.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Keyswag Lending. We are not responsible for the content, privacy practices, or terms of these third-party websites. You acknowledge and agree that any interactions with third-party services are at your own risk.

8. Disclaimers and Limitation of Liability

a. No Guarantees

Keyswag Lending makes no warranties or representations about the accuracy, completeness, or reliability of the information on our website. The services are provided on an "as-is" and "as-available" basis, without any express or implied warranties.

b. Limitation of Liability

To the fullest extent permitted by law, Keyswag Lending shall not be liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of your use of the services, even if we have been advised of the possibility of such damages.

c. Indemnification

You agree to indemnify, defend, and hold Keyswag Lending harmless from any claims, liabilities, damages, losses, or expenses arising from your use of the website or services, your violation of these Terms, or your violation of any third-party rights.

9. Termination

a. Termination by You

You may terminate your use of the services at any time by discontinuing your access to the website and closing your account, if applicable.

b. Termination by Keyswag Lending

We reserve the right to suspend or terminate your account or access to our services at any time, for any reason, including but not limited to violation of these Terms, without prior notice.

c. Effect of Termination

Upon termination, any licenses or rights granted to you under these Terms will cease immediately. Any provisions of these Terms that, by their nature, should survive termination (e.g., intellectual property, indemnification, limitation of liability) shall continue to apply.

10. Governing Law and Dispute Resolution

a. Governing Law

These Terms are governed by and construed in accordance with the laws of the state of [Your State], without regard to its conflict of law principles.

b. Dispute Resolution

In the event of any dispute arising out of or related to these Terms or the use of our services, you agree to first attempt to resolve the dispute informally by contacting us at [Insert Contact Information]. If the dispute cannot be resolved through informal negotiations, it shall be submitted to binding arbitration under the rules of the American Arbitration Association.

c. Jurisdiction

If arbitration is deemed inapplicable, you agree that any legal action arising out of or related to these Terms or your use of our services shall be filed only in the state or federal courts located in [Your Jurisdiction], and you consent to the jurisdiction of such courts.

11. Changes to These Terms

Keyswag Lending reserves the right to update or modify these Terms at any time. We will notify you of any significant changes by posting the revised Terms on our website. Your continued use of the services after the changes have been made will constitute your acceptance of the revised Terms.

12. Contact Us

If you have any questions or concerns regarding these Terms, please contact us at:

Keyswag Lending
Email: loans@keyswaglending.com
Phone: (925) 989-9386
Address: 401 W A St Ste 200, San Diego, CA 92101

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