Terms of Use

1. APPLICATION OF THESE TERMS OF USE
Your access to and use of any Champions Funding, LLC, which shall include its subsidiaries and affiliates, (together "Company") website ("Website(s)") or mobile applications (the "Applications," "App," or "Apps"), and any information, documents, tools, products, financial and banking services, realtor services, accounts, and/or other material made available through the Website ("Services"), are subject to the Terms and Conditions of use set forth herein (this "Agreement" or "Terms"). For purposes of this Agreement, (i) the terms "Website" and "Websites" include the Apps; and (ii) "you" or "your" means the person accessing the Website and includes any persons that allow others to provide information about themselves to Company.

THIS AGREEMENT CONSTITUTES A BINDING AGREEMENT BETWEEN YOU AND US. PLEASE READ CAREFULLY THROUGH ALL SECTIONS OF THIS AGREEMENT. YOUR ACCESS TO AND USE OF THE WEBSITES IS SUBJECT TO THIS AGREEMENT AND ALL APPLICABLE LAWS AND WE RESERVE THE RIGHT TO TERMINATE YOUR ACCESS IF YOU VIOLATE THIS AGREEMENT. BY CLICKING ON LINKS WITHIN THE WEBSITES OR WEBPAGES BEYOND THE WEBSITE'S HOMEPAGE, CLICKING ON A BOX OR ICON, OR DOWNLOADING AN APP, YOU ACCEPT AND AGREE WITH THESE TERMS WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY TELEPHONE, EMAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE WITH THE TERMS IN THIS AGREEMENT, DO NOT ACCESS OR OTHERWISE USE THE WEBSITES, ANY SERVICES AVAILABLE THROUGH THE WEBSITES, OR ANY INFORMATION CONTAINED ON THE WEBSITES.

2. INFORMATION HANDLING
You consent to Company collecting and sharing your information with 1) its business partners to provide you with information about a mortgage loan, real estate and/or home-related products or services that may be of interest to you, and 2) third parties involved in your transaction, such as real estate agents. Information that is shared with Company's partners may only be used by the partners to offer products and services on Company's behalf. To learn more about how we use and protect the privacy of users of the Website, please view Company's Privacy Policy, which is available https://www.champstpo.com/privacy-policy.

3. ACCESSING THE WEBSITES AND SERVICES
To access your account on the Websites or with certain Services, we require you to create a username and password. You agree to follow any requirements that we may have for your username and password. You are solely responsible for keeping your password, account numbers, and other account data confidential.

4. SECURITY
You agree that if you access our Services from a computer or mobile device other than your own or if you use your computer in a public place, you will not leave it unattended while using the Services. You agree not to provide any of your access information to any person. You are responsible only for unauthorized use resulting from your failure to safeguard your credentials. Company will not hold you responsible for unauthorized activity resulting from a compromise of Company systems or where you complied with your security obligations under this Agreement.

5. AVAILABILITY
You agree and understand that the Websites and Services may not be accessible or may have limited utility over some mobile and internet networks, and that there may be browser or other technical limitations specific to an individual mobile device or computer that will limit or prevent access to your account. We will use reasonable efforts to make the Websites and Services available for your use on a continuous basis. We do not guarantee functionality of the Websites and Services on all mobile devices or computers, on all communication networks, in all geographic regions, or at all times. The Websites and Services may also be temporarily unavailable for regular or emergency system maintenance. We reserve the right to schedule these maintenance periods at any time and without advance notice to you.

6. RESTRICTIONS ON USE
You may only use the Websites for the purposes expressly permitted in this Agreement. You agree that you will not use or attempt to use the Websites for any purpose other than conducting mortgage banking related business with us as our bona fide client, prospective client, business partner, or real estate agent. You warrant and agree that you will not use the Websites for any purpose that is unlawful or prohibited by federal, state or local law. We reserve the right to terminate your ability to use the Websites with or without cause and with or without notice, for any reason or no reason, or for any action that we determine is inappropriate or disruptive to the Websites or to any other user of the Websites. We may report to law enforcement authorities any actions that may be illegal, and any reports we receive of such conduct. When legally required or at our discretion, we will cooperate with law enforcement agencies in any investigation of alleged illegal activity on the Websites or elsewhere on the Internet to the extent related to your use of the Websites.

7. GOVERNING LAW
All matters and any dispute or claim relating to this website and these Terms of Use shall be governed by and construed in accordance with the internal laws of Arizona without giving effect to any principle of conflicts of law. Any action at law or in equity shall be brought only in state or federal courts within Maricopa County or the District of Arizona. You hereby consent and submit to the personal jurisdiction of these courts for the purposes of litigation. The services offered by Company and this website are intended for U.S. residents only. This website is not approved for distribution outside of the U.S. and non-U.S. residents should not rely or act upon the information contained within. Some jurisdictions restrict out-of-state forum selection for consumer disputes; to the extent required by applicable law, you may bring claims in the courts of your state of residence. Nothing in this Section 7 limits your rights under applicable consumer protection laws.

8. USER SUBMISSIONS
The Websites may provide features such as personal webpages or profiles, message boards, and other interactive services (collectively, "Interactive Services") that allow users to upload, post, share, submit, publish, display, or transmit to other users or persons content or materials (collectively, "User Submissions") on or through the Websites.

All User Submissions must comply with the Content Standards set out in Section9 of this Agreement.

Any User Submissions you post to the Websites will be considered non-confidential and non-proprietary. By providing any User Submissions on the Websites, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose. By submitting a testimonial, you grant Company a worldwide, perpetual, transferable, sublicensable, royalty-free license to use, reproduce, modify for formatting, publish, perform, display, distribute, and otherwise exploit your testimonial, including your name, image, voice, and likeness if included, in any media now known or later developed, for marketing, advertising, and promotional purposes, subject to applicable law and our Privacy Policy. You represent and warrant that (a) your testimonial reflects your honest opinions and experiences; (b) you have all necessary rights and permissions to grant this license; and (c) the use of your testimonial as permitted herein will not violate the rights of any third party. If your testimonial includes any personal information of a minor, you represent you are the parent or legal guardian and consent to such use. Where required by law, you may request that we cease using your testimonial on a go-forward basis by contacting Company at 888-210-9881, provided that we may continue using previously produced materials that already include your testimonial.

9. CONTENT STANDARDS
These content standards apply to any and all User Submissions and use of Interactive Services. User Submissions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Submissions must not:
‍
• Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations.
• Be likely to deceive any person.
• Promote any illegal activity, or advocate, promote, or assist any unlawful act.
• Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
• Impersonate any person or misrepresent your identity or affiliation with any person or organization.
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

10. LINKS TO THIRD-PARTY WEBSITES
The Websites may contain links to websites maintained by third parties that are not related to Company. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on such websites, and we do not endorse, approve, sponsor or control any such websites' contents, or its sponsoring organization. When you leave the Websites for another website, please note that we are not responsible for the accuracy or content of the information provided by that website, nor are we liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website and your use of such third-party websites and services may be subject to those third parties’ terms and privacy policies.

11. USE OF TECHNOLOGY
Company may request your permission, through a separate consent process, to contact you via phone, whether by live agent or artificial or prerecorded voice, SMS text to your residential or cellular number, whether dialed manually or by auto dialer, orby email, and to send disclosures and communications about a loan inquiry in electronic form through these media. By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. Alerts are sent when processed and you may receive them at unusual times. By consenting to electronic documents (Paperless), SMS/Text Messages, you also consent to receiving alerts outside the time frame of 8:00 a.m. to 9:00 p.m. at your location.

11.1 Email Policy‍
‍Email in General
Our communications to you in email may not accurately represent the entire or final disposition of a matter or constitute our official business, due to brevity or informality. Accordingly, email, by itself, may not accurately reflect the complete communication or our intent as to the subject matter referred to within the communication, nor constitute an official business record of Company. Any official content present in an email communication is qualified in its entirety by any signed writings, which shall govern such content according to their provisions. Also, unless explicitly permitted in a signed writing or necessary by law, the mere receipt of an email by us may not put us on notice, timely or otherwise, of the matters contained within that email.
‍
‍Confidential Information
The emails we send are confidential (and all attachments to such emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you receive an email in error or if it is improperly forwarded to you, the information contained in the email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. You agree to notify the sender immediately by telephone or email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as "Confidential" contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with all applicable privacy laws and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. If you receive an email in error, please notify the sender and delete it. Any use or disclosure of information received in error is not authorized.

‍Monitoring of Communications
All emails sent to us or from us may be forwarded, monitored, and/or reviewed by others within Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the Websites, PC-talk, chat, email, text messages to and from Company-owned cellular devices, and telephone. By using such communication methods, you are consenting to the recording, monitoring, storage, and/or use of the same without further notice.
‍
‍Unsecured Transmissions
‍While certain designated areas within our Websites employ technologies to secure your data and the transmissions between you and us, general email uses the Internet, which is an open system, and we cannot provide absolute assurances that all emails (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won't be lost, mis-delivered, destroyed, delayed, intercepted or decrypted by others. We therefore advise against sending sensitive or personally identifiable information over email, and disclaim all liability with regard to emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, mis-delivered, intercepted, decrypted or otherwise misappropriated by others.

‍Prohibited Email Content
‍We prohibit our team members from using email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements or materials, or statements or materials that infringe the copyrights or legal rights of others. Such communications are against our policies and outside the scope of employment of our team members. Company policies prohibit employees from sending unlawful, harassing, or offensive communications. Please report any such violations to our Customer Service Department, 365 E. Germann Road, Suite 140, Gilbert, AZ 85297.

11.2 Terms Applicable to Email and Mobile Messaging
‍Emails are Generally Not Formal Signed Writings; E-Sign Disclosure
‍Unless explicitly stated otherwise, our emails do not contain or constitute an electronic signature, even if the sender's name appears in the email. Email communication may not be construed against us as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, an unconditional pre-qualification, an unconditional pre-approval, or any other unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from us.

‍All Rights Reserved; Statements Attributable to Us
‍Our email shall be deemed Content and subject to the restrictions set forth herein with respect to Content. The only official publishable public statements that can be attributed to us are statements issued by our CEO, President, or Chief Administrative Officer.

‍Negligent Misstatement
‍In addition to the other disclaimers made in this Agreement, we disclaim any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through email and we make no warranties, express or implied, with respect to such data or information. By using or interacting with the Website and/or reviewing information that we provide, you agree to hold us harmless against any and all claims, losses, liabilities, damages, or expenses, including attorney's fees that you may incur as a result of any negligence or negligent misstatement.

‍Complaints
‍Any email complaints should be directed to Champions Funding, 365 E. Germann Road, Suite 140, Gilbert, AZ 85297, Attention: Customer Service Department, or you may call 888-210-9881.

12. MONITORING
We reserve the right, but do not have an obligation, to monitor use of the Websites. In addition, we reserve the right to collect, maintain, store, and use, as necessary to fulfill the purposes described in the Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements any or all data from your use of or interaction with the Websites including, but not limited to data input by you and analytical data on the functioning, operation, use, and use patterns on, with, and of the Websites. By your use of the Websites, you acknowledge, understand, and agree that we are not obligated to monitor, collect, store, maintain, or return any data from your use of or interaction with the Website and shall not have any liability for the failure to do so.

We use cookies and other technologies provided by third-party vendors to collect information on your use of the Websites, such as pages visited, links clicked, non-sensitive information entered, and mouse movements. This information enables us to build and maintain our service based on user feedback and interaction with our Websites. We also collect information more commonly collected such as the referring URL, browser, operating system, and Internet Protocol ("IP") address. By agreeing to this Agreement, you consent to our use of these cookies and technologies.

13. INDEMNITY
As a condition of use of the Websites and our Services, you agree to indemnify, defend and hold harmless Company and our affiliates, and all of our and our affiliates, vendors, licensors, employees, officers, directors, agents and representatives, from and against any and all liabilities, expenses (including attorneys' fees), losses, and damages of the extent arising out of or related to: (a) your breach of this Agreement; (b) your violation of law; or (c) your infringement, misappropriation, or violation of any third party’s rights, including intellectual property or privacy/publicity rights, in connection with your User Submissions or use of the Websites. This indemnity will not apply to the extent any claim results from Company’s negligence, gross negligence, willful misconduct, or violation of law.

14. DISCLAIMERS
THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FORA PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. NOTHING IN THIS SECTION 14 LIMITS ANY NON-WAIVABLE WARRANTIES OR RIGHTS THAT APPLY TO YOU UNDER APPLICABLE LAW.

YOU ACKNOWLEDGE THAT NEITHER COMPANY, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR
MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. COMPANY DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER'S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT COMPANY IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COMPANY WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

15. TERMINATION OF USE
You acknowledge and agree that Company may, at any time, in its sole discretion, limit, modify, suspend, or terminate your access, use of, or interaction with the Websites with or without cause and with or without delivering notice or explanation to you. This right is in addition to all other rights and remedies available to Company under this Agreement and those provided by law.

16. LIMITATION OF LIABILITY
IN NO EVENT WILL COMPANY BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINK OR SYSTEM FAILURE, EVEN IF COMPANY, OR REPRESENTATIVES THEREOF ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY COMPANY. To the fullest extent permitted by law, Company’s total aggregate liability for direct damages arising out of or related to your use of the Websites shall not exceed $100.00. The foregoing cap does not apply to any amounts you pay or owe in connection with any loan or other financial product or service. The limitations in Section 16 do not apply to liability for Company’s fraud, gross negligence, willful misconduct, violation of law, or to the extent liability cannot be limited under applicable law, including for personal injury. These limitations apply regardless of the legal theory and even if a remedy fails of its essential purpose.

17. LICENSES
For our licensing information, please visit: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2254210
‍
18. INTELLECTUAL PROPERTY
All information and content on Websites, except where otherwise stated (including but not limited to all logos, text, graphics, images, video and audio, data compilations, software, and the design, selection and arrangement thereof), are owned by Company, its affiliates, partners, licensors, or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. “Champions Funding, LLC”and the mark consisting of the name “Champions Funding, LLC” are registered trademarks of Company. All related names, terms, logos, product and services names, designs, and slogans are trademarks of Company or its affiliates or licensors. You must not use such marks without the prior written permission of Company. All other names, logos, product and service names, designs, and slogans on this website are the property of their respective owners. You acknowledge and agree that you are permitted to view and download the material on this website for your informational or internal business use only. You do not acquire any ownership rights by downloading or viewing any material on this website. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any webpage, or alter the appearance of any materials from this website except as permitted by applicable law (including fair use), as necessary for standard web browsing and caching, or as necessary to enable accessibility features and interoperability as permitted by law. You agree that any testimonials and submissions made to Company concerning your use of the website or containing any comments, improvements, suggestions, and ideas regarding this website, become irrevocable and permanent property of Company, and may be used by Company in any way Company deems fit, in its sole judgment.

19. OTHER TERMS
This Agreement constitutes the entire agreement between you and us and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and us with respect to the Websites and information, software, products and services associated with it except that the Privacy Policy, Electronic Consent Agreement, and any additional terms provided for specific features or promotions are incorporated herein by reference.

Last Update: January 8, 2026