Terms and Conditions

Last Updated: July 8, 2026

Welcome to Team Rosales (“Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“you,” “user,” or “visitor”) and the Company regarding your access to and use of our website, related pages, tools, calculators, forms, content, and services (collectively, the “Website”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, you must discontinue use immediately.

Definitions

"Company," "We," "Us," or "Our" refers to Team Rosales.

"User," "You," or "Your" refers to any individual accessing our website or using our services.

"Services" refers to the products, features, and communication methods provided by the company.

1. GENERAL INFORMATION – NOT A COMMITMENT TO LEND OR OFFER REAL ESTATE SERVICES

Information contained on this Website is for informational and educational purposes only.
Nothing on this Website constitutes:

An offer to lend

A commitment to extend credit

A guarantee of loan approval

A real estate listing agreement

Legal, tax, or financial advice

Any loan product, mortgage rate, qualification standard, or real estate information mentioned is subject to change without notice, and may vary based on geographic location, program guidelines, borrower eligibility, and regulatory requirements.

2. COMPLIANCE WITH FEDERAL AND STATE LAWS

We operate in accordance with all applicable federal, state, and local laws, including but not limited to:

Mortgage & Lending Regulations

Equal Credit Opportunity Act (ECOA)

Truth in Lending Act (TILA)

Real Estate Settlement Procedures Act (RESPA)

Home Mortgage Disclosure Act (HMDA)

FHA, VA, USDA program guidelines

Fair Credit Reporting Act (FCRA)

SAFE Act & NMLS licensing requirements

Real Estate Regulations

State real estate licensing laws (BRE/DBPR/TREC/etc.)

Fair Housing Act

Advertising and marketing regulations specific to your state

No discriminatory practices of any type are permitted.

We do not guarantee availability of all loan programs in all areas.

3. LOAN APPLICATIONS, PRE-QUALIFICATION & PRE-APPROVAL

Submitting information through this Website—such as a contact form, loan application, or inquiry—does not guarantee:

A loan offer

A loan pre-qualification

A loan pre-approval

A rate quote

A locked interest rate

All mortgage approvals require:

Full credit review

Verification of income, assets, employment, and identity

Acceptable property collateral

Compliance with federal & investor guidelines

Final underwriter approval

Interest rates cannot be locked until confirmed in writing by the Company.

4. REAL ESTATE INFORMATION ACCURACY

Any real estate information, MLS-based data, home valuations, listing data, estimated payments, or market commentary is provided “as-is” and may not be accurate, up-to-date, or complete.

You are solely responsible for verifying:

Property details

HOA fees

Taxes

Zoning

Boundaries

Market conditions

Real estate availability

We are not responsible for errors, omissions, or outdated information.

5. USER OBLIGATIONS

By using this Website, you agree that you:

Are at least 18 years old

Will not submit false or misleading information

Will not use the Website for illegal or harmful purposes

Will not engage in spam, fraud, or abusive behavior

Will not attempt to breach or interfere with the Website’s security

Will comply with all applicable laws and regulations

6. COMMUNICATION CONSENT (TCPA COMPLIANT)

By submitting your information, you give express consent for [Your Company Name] to contact you via:

Phone

SMS/Text

Automated dialing systems (where permitted)

You may opt out at any time by replying “STOP” to text messages or contacting us directly.

7. THIRD-PARTY TOOLS & LINKS

This Website may link to third-party sites, apps, calculators, or services.
We are not responsible for:

Their content

Their accuracy

Their privacy practices

Their compliance

Access is at your own risk.

8. INTELLECTUAL PROPERTY RIGHTS

All Website content—including logos, branding, videos, text, images, design elements, calculators, graphics, and downloadable resources—is the intellectual property of [Your Company Name] or its licensors.

You may not:

Copy

Reproduce

Distribute

Modify

Reverse engineer

Sell

Create derivative works

…without our express written consent.

Violations may result in legal action.

9. LIMITATION OF LIABILITY

To the fullest extent permitted by law, [Your Company Name] is not liable for any:

Direct or indirect damages

Losses related to use or inability to use the Website

Errors in content, rates, or program details

Delays, outages, or technical malfunctions

Financial decisions made based on Website content

Your use of the Website is at your own risk.

10. NO WARRANTY

The Website is provided “AS-IS,” “WHERE-IS,” and “AS AVAILABLE.”
We make no warranties of:

Accuracy

Completeness

Reliability

Availability

Fitness for a particular purpose

We do not guarantee uninterrupted or error-free operation.

11. SMS COMMUNICATION AND A2P COMPLIANCE

By providing your phone number, you consent to receive SMS messages related to our services, promotions, and updates.

Message frequency may vary. Standard message and data rates may apply.

You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

Carriers are not liable for delayed or undelivered messages.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected].

12. DATA PRIVACY & SECURITY

Your use of this Website is governed by our Privacy Policy, which outlines how your information is collected, stored, and used.

We use industry-standard security practices but cannot guarantee:

Absolute protection

Interception prevention

Error-free transmission

You agree to use the Website at your own risk.

13. LICENSE & REGULATORY DISCLOSURES

Mortgage Licensing:
Enter NMLS ID, state licenses, and corporate entity information as required.

Real Estate Licensing:
Enter the applicable state real estate license number(s).

You acknowledge that:

Licensing may vary by state

Services may not be available in all jurisdictions

Certain products may be restricted or prohibited by state law

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Team Rosales, its officers, employees, partners, affiliates, and licensors from any claims arising out of:

Your use of the Website

Your violation of these Terms

Your violation of laws or third-party rights

15. MODIFICATIONS TO TERMS

We may modify these Terms at any time, for any reason, without prior notice.
Continued use of the Website constitutes acceptance of the updated Terms. We reserve the right to update these Terms and Conditions at any time. We will notify users of any changes through our website or via email.

16. GOVERNING LAW & DISPUTE RESOLUTION

These Terms are governed by the laws of the State of California, without regard to conflicts of law.
Any disputes must be resolved in the courts located in CALIFORNIA, U.S.A.

17. CONTACT INFORMATION

If you have questions about these Terms, please contact us:

Team Rosales & Associates Inc.
Location: 6712 Greenleaf Ave. Whitter, CA 90601

Phone: +1-909-560-2638
Email: [email protected]

DRE: #021173944

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.