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PLEASE READ THESE TERMS AND CONDITIONS (“TERMS OF USE”) CAREFULLY!

THE USE OF THIS AND TRANSACTIONS BETWEEN YOU AND THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS OF USE. BY ACCESSING THIS WEBSITE, CLICKING ON LINKS WITHIN THE WEBSITE AND ENTRY INTO WEB PAGES THEREIN BEYOND THE WEBSITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF, AND AGREEMENT WITH, THE TERMS OF USE AS DOCUMENTED HEREIN. 

IF YOU DO NOT ACCEPT AND AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE. DO NOT ACCESS THIS WEBSITE OR ANY PAGES BEYOND THE HOMEPAGE.

YOU ARE BOUND BY THE TERMS OF USE REGARDLESS OF WHETHER OR NOT A TRANSACTION IS COMPLETED WITH THE COMPANY AND REGARDLESS OF WHETHER OR NOT YOUR TRANSACTION IS COMPLETED ON THE WEBSITE OR THROUGH OTHER FORMS OF COMMUNICATION (E.G., PHONE, MAIL, PARCEL, EMAIL, FACSIMILE, ETC.) OR OTHER TOOLS AND SYSTEMS UTILIZED BY THE COMPANY (E.G., LOAN ORIGINATION SYSTEMS, LOAN PROCESSING SYSTEMS, ETC.). 

 

Website Ownership

The Homecision.com website (“Website”) is owned and operated by:

Premium Security Inc.

2625 Green Valley Pkwy, Suite 270

Henderson, NV 89014

Premium Security Inc. (“Company”), also known as “PSI Lending,” and “Homecision, powered by PSI Lending” is referred to in this document as the “Company” or “we” or “us” or “our.” You agree and acknowledge that the Company controls and operates this Website from within the United States of America (“US”). This Website provides content for products and services that are available only in the US and the Company makes no representation the services and products that are included in this Website’s content will be made available anywhere outside of the US or in every State within the US (reference the Licensing page within this Website to identify those States in which the Company conducts business).

 

Access and Changes to this Website

At all times in its sole discretion and without notice to you, the Company reserves the right to:

  • Deny your access to, and use of, this Website; and
  • Change the Terms of Use of this Website.

Because the Terms of Use may change without notice to you, we recommend that you frequently review the Terms of Use because, as noted below, you agree and consent to the Terms of Use by accessing and using this Website.  

 

Terms and Conditions

By accessing and using this Website, you agree and confirm that:

  1. EACH TIME you use and access this Website indicates and confirms your assent and agreement to be bound by, subject to, governed by, and will comply with these Terms of Use in place at the time you access this Website;
  2. We may revise or change these Terms of Use at any time and in our sole discretion, without notice to you;
  3. All other content, services, products, and materials on, or available through, this Website are subject to change without notice to you;
  4. The Terms of Use may not be altered by contract, unless expressly permitted in writing by the Company’s President;
  5. You have the sole responsibility and liability for your use of this Website and for enabling all resources necessary to use this Website (e.g., hardware, internet connection, power, browser, browser settings, etc.); 
  6. You will only access or use our Website, or transact business with us if you are at least 18 years old; 
  7. These Terms of Use are a legally binding agreement between you and the Company that will be enforceable against you should you violate any of the terms and conditions; and
  8. You will not use, or attempt to use this Website for any purpose other than conducting mortgage related business with us as a legitimate customer or business partner of the Company that:
    1. Is any way prohibited or in violation of any law or regulation;
    2. Attempts to gain unauthorized access to, or interferes with, our network services;
    3. Introduces any content (e.g., viruses, malware, code, etc.) that is harmful to our Website, intended to disable our network services, impairs or limits our ability to maintain this Website, and/or limits Users from accessing and using our Website;
    4. Obtains e-mail addresses from this Website, or sends unsolicited content (e.g., advertisements, solicitations, spam, information, communications, schemes, etc.) to emails included in this Website;
    5. Misrepresents your affiliation or relationship with the Company, whether expressly stated or implied, without first having the express written permission from the Company;
    6. Misdirects the results of an internet search engine to this Website for anything other than conducting mortgage related business with the Company as a legitimate customer of the Company;
    7. Misrepresents your true identification and your affiliation with any other organization or person;
    8. Harms minors in any way by uploading, accessing or transmitting any content that violates all laws related to the exploitation of minors, including but not limited to child pornography, child sexual exploitation or minors engaged in sexual conduct;
    9. Transmits or uploads content that is harmful, offensive, abusive, defamatory, threatening, violent, obscene, sexually explicit, pornographic, discriminatory, harassing, or otherwise objectionable;
    10. Transmits or uploads content that is intended to cause the commission of a crime or other unlawful activities;
    11. Transmits or uploads content that is intended to cause the commission of a transaction or activity that is violates any regulation or requirement that applies to the Company;
    12. Causes harm to the name and reputation of the Company;
    13. Intends to interfere with or seeks a breach of the contract and/or employment agreement between the Company and/or its employees, consultants, contractors, etc.;
    14. Transmits or uploads any content or images that infringes upon any intellectual property rights, trademarks, copyrights, or infringes upon any party’s right of privacy; or
    15. Unlawfully transmits or uploads any content that includes confidential, proprietary or trade secret information of either the Company, its customers, or its business partners.

 

Third-Party Linkage

You acknowledge and agree that the Company is not responsible for other content providers that may be linked to by this Website. The Company may provide links to third-party content providers as a convenience to the Users. Unless the Company expressly states in writing to the contrary, any linkage to a third-party content provider is not endorsed, approved, sponsored or controlled by the Company and we are not in any way responsible for any of the content accessible to the third-party via this Website. The Company will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such third-party content.

 

Intellectual Property

You acknowledge and agree that:

  • All content and operations of this Website are protected by various intellectual property laws and these rights are owned by the Company, its licensors, or its content providers (such content includes, but not limited to, copyrights, patents, trademarks, service marks, products, tools, services, interfaces, web source code, URLs, etc);
  • By using, viewing, or downloading content made available through this Website, you do not acquire any ownership rights to that content; and
  • You will not replicate, alter, publish, or duplicate in any way, or attempt to replicate, alter, publish, or duplicate any of the content of this Website.

 

User Comments, Suggestions, Reviews and Testimonials

You acknowledge and agree that all communications with the Company including any suggestions, ideas or recommendations regarding this Website and/or reviews and testimonials of the Company and/or Website will become and remain exclusive property of the Company. This would include any future rights associated with such communications – you disclaim all future rights and acknowledge that the Company has all rights to use such communications in any means it deems necessary. Lastly, even if the terms and conditions of these Terms of Use are subsequently revised or terminated, you have no claim to the communications and the Company retains unrestricted use. 

 

User IDs and Passwords

Certain areas or features of this Website may be restricted to users who have obtained a user identification and password by completing a registration process described on this Website. Please be sure to protect and maintain the confidentiality of any user identification, password, or other identifying information you may obtain in connection with your use of this Website. You agree to notify the Company immediately if you believe your user identification, password or other identifying information has been lost, stolen, or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this Website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this Website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

 

Privacy and Security

For information on how the Company uses and protects the personal information that you may provide through this Website, please visit our Security & Privacy page.

 

Indemnification

If you make any unauthorized use of this Website or violate the Terms of Use, you may be: 

  1. In violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties; and 
  2. Responsible for damages caused to the Company. 

You agree to indemnify the Company and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of the Company and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this Website and/or your breach/violation of or failure to comply with the Terms of Use.

 

Disclaimers

THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THE COMPANY MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. THE COMPANY HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT THE COMPANY, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.

 

Limitation of Liability

YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT THE COMPANY SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.

 

Calls and Information Sharing

If you submit to the Company through this Website or otherwise you are making an inquiry as to lending programs and services offered by the Company, you understand and agree that we may share the personal information that you provide within our Company and with our affiliates, including, but not limited to, your full name, birth date, address, telephone number, and social security number so that we respond to your inquiry. You authorize the Company to share your information, either as provided by you or as corrected by us. Nothing in these Terms of Use or on this Website constitutes an offer for a loan commitment or interest rate lock agreement. You agree that the Company shall not be liable for any damages or costs which arise from your use of the affiliates’ goods or services.

By submitting your contact request for a loan product, you are consenting to be contacted by one or more affiliates and by our mortgage partners by telephone (on a recorded line), automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the Affiliates and Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an Affiliate or Partner, you agree to notify the Affiliate or Partner directly. You can opt-out of various contact methods here.

 

Application of Additional Terms

You acknowledge that certain features of this Website, as well other products and services of the Company, including those that may be available through this Website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

 

Agreement to Provide Accurate Information

In making a loan inquiry, application or in entering into any other transaction or request for information on this Website, you agree to provide accurate, true, current, and complete information upon which the Company may rely.

 

Your Cooperation Needed

The Company generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information the Company may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify the Company of any changes in any information submitted in connection with your application.

 

Reasonable Efforts

While the Company will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For instance, the Company cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond the Company’s reasonable control.

Deposit and Refund Policy

When you submit a loan application, the Company will begin to process your application and, as a result, will advance on your behalf costs for certain third-party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of the Company third-party costs. Please review your deposit agreement for details specific to your loan application.

 

Governing Law and Dispute Resolution

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Nevada, without giving effect to any principles of conflicts of law. You understand and agree to resolve through final and binding arbitration the following claims, disputes, or controversies arising between you and the Company, and its parents, affiliates, subsidiaries, or related companies: all claims, disputes, or controversies arising from the Telephone Consumer Protection Act of 1991 (“TCPA”), or state law claims similar to the TCPA. You will arbitrate TCPA claims between you and the Company at a location the arbitrator will determine in compliance with the Company’s Governing Law provision. The arbitrator, not the court, will resolve the issue of arbitrability. Any state or federal court having jurisdiction thereof may enter judgment of any award the arbitrator renders. This arbitration contract is made under a transaction in interstate commerce, and the Federal Arbitration Act (“FAA”) will govern its interpretation, application, enforcement, and proceedings. As the Governing Law provision indicates, the laws of the State of Nevada govern the enforceability of this arbitration provision as a contract, but not the scope of this provision. Neither you nor the Company are entitled to join or consolidate claims in arbitration by or against other consumers or to arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial for TCPA-related matters which, based on the above, will be arbitrated. You agree that any other action(s) at law or in equity arising out of or relating to these Terms of Use or the use of this Website shall be filed only in the state or federal courts located in Clark County, Nevada, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating.

 

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

 

Disclosures and Licenses

For disclosures and licensing information please visit our State Licenses Page.

 

Copyright Infringement

The Company is committed to protecting copyrights and expects you to do the same. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on the Company infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on www.HOMECISION.com infringes a copyright, or any valid intellectual property right, please provide the following information to the Company’s DMCA Agent:

  • A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on www. www.HOMECISION.com are intended to be covered by a single notification, a complete list of such works and details or descriptions as to their locations within the Website;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
  • Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please provide this information to the Company’s DMCA Agent, who can be reached as follows:

By Mail:

Premium Security Inc.

2625 N Green Valley Parkway

Suite 270

Henderson, NV 89014 

 

By E-Mail:

info@homecision.com

 

Due to IT concerns, attachments cannot be accepted on notices sent via email. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.

 

YOUR CALIFORNIA PRIVACY RIGHTS

California Civil Code § 1798.83 permits our visitors who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to info@homecision.com or write us:

 

Premium Security Inc.

2625 N Green Valley Parkway

Suite 270

Henderson, NV 89014 

 

EQUAL OPPORTUNITY EMPLOYER

The Company is an equal opportunity employer. Any complaints or concerns about the Company’s employment practices may be directed to the Director of Human Resources at 877-612-6972.

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