Welcome to Christopher Hovenier (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website, products, and services.
By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
1. Use of Our Website and Services
You agree to use our website and services only for lawful purposes and in accordance with these Terms.
You are responsible for ensuring that your use complies with all applicable laws and regulations.
You must not:
Attempt to gain unauthorized access to our systems or networks
Use our content or materials for commercial purposes without written permission
Upload or transmit viruses, spam, or malicious code.
Eligibility
You must be at least 18 years of age to use this website, submit forms, or receive SMS communications from Christopher Hovenier. By using this website, you represent that you are at least 18 years old.
2. No Agency Relationship
Submission of any form on this website, requesting a consultation, or communicating with us does not establish a lender-borrower relationship, mortgage broker-client relationship, fiduciary relationship, or any contractual obligation. Any such relationship will only be established through the execution of any required agreements and satisfaction of applicable legal and regulatory requirements.
3. Intellectual Property
All content on this website—including text, graphics, logos, videos, and software—is the property of Christopher Hovenier or its licensors and is protected by copyright and trademark laws.
You may not reproduce, distribute, or modify any materials from our website without our express written consent.
4. Mortgage Information Disclaimer
Information provided on this website is for general informational purposes only and does not constitute a commitment to lend, loan approval, rate lock, financial advice, legal advice, or tax advice.
Loan programs, interest rates, fees, terms, and eligibility requirements are subject to change without notice and may vary based on creditworthiness, property type, loan amount, occupancy, documentation, market conditions, and other applicable factors.
Submitting an inquiry or application does not guarantee approval or the availability of any particular loan program or interest rate. All loans are subject to underwriting, verification, and applicable lender requirements.
5. Equal Housing Opportunity
Christopher Hovenier is committed to complying with applicable federal, state, and local fair lending and fair housing laws. Mortgage services are offered without discrimination based on race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, exercise of rights under applicable consumer credit laws, or any other protected characteristic.
6. Disclaimer of Warranties
Our website and services are provided “as is” and “as available.”
We make no warranties, express or implied, regarding the operation of the website, accuracy of information, or suitability for a particular purpose.
7. Limitation of Liability
To the fullest extent permitted by law, Christopher Hovenier and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use or inability to use our website or services.
Our total liability for any claim shall not exceed the amount you paid to us, if any, for the services in question.
8. Indemnification
You agree to indemnify and hold harmless Christopher Hovenier, its officers, employees, and partners from any claims, damages, or expenses (including legal fees) arising from your use of our website or violation of these Terms.
9. Third-Party Links
Our website may contain links to external websites not operated by us. We are not responsible for the content or privacy practices of these third-party sites.
10. Termination
We may suspend or terminate your access to our website or services at any time, without notice, if we believe you have violated these Terms or engaged in fraudulent activity.
11. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles.
12. Changes to These Terms
We may update or modify these Terms from time to time. Updates will be posted on this page with the “Last updated” date. Your continued use of our website signifies acceptance of the revised Terms.
13. Lead Submission and Communication Consent
By submitting any form on this website, you expressly consent to be contacted by phone call, text message, email, artificial voice, and automated technology regarding your inquiry, real estate opportunities, appointments, listings, and related services, even if your phone number is listed on a federal, state, or internal Do Not Call registry.
You understand that consent is not a condition of purchasing or selling any property or receiving any real estate services.
Message frequency may vary. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP.
14. SMS Terms of Service
By providing your phone number and opting into SMS communications, you consent to receive informational and promotional text messages from Christopher Hovenier.
These messages may include:
Marketing communications
Appointment confirmations and reminders
Property updates
Follow-up communications
Listing alerts
Market reports
Customer support messages
Message frequency varies.
Message and data rates may apply.
You may opt out at any time by replying STOP.
For assistance, reply HELP, call +1 (949) 810-2600, or contact [email protected].
Carriers are not liable for delayed or undelivered messages.
SMS consent is not a condition of purchase.
Please review our Privacy Policy
15. Contact Us
If you have any questions about these Terms and Conditions, please contact us at:
Christopher Hovenier
Email: [email protected]
Phone: +1 (949) 810-2600
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