Terms and Conditions

Acceptance of Terms

By accessing and using the Mcjab325 DBA First California Funding ("we," "us," or "our") website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

Loan Application Process

Submitting a loan application through our website does not guarantee approval or constitute a commitment to lend. All loan applications are subject to:

• Credit approval and verification of information provided
• Property appraisal and evaluation
• Compliance with applicable lending regulations
• Final underwriting review and conditions
• Verification of employment and income

You authorize Mcjab325 DBA First California Funding to obtain credit reports and verify all information provided in your application.

Communication and Contact Authorization

By providing your contact information and submitting an application or consenting to communications, you expressly consent to receive communications from Mcjab325 DBA First California Funding and our authorized agents, including:

• Telephone calls to any number you provide, including mobile and wireless numbers
• Text/SMS messages to mobile numbers you provide
• Email communications to the email address you provide
• Automated telephone dialing systems and prerecorded or artificial voice messages

You understand that your consent is not required as a condition of purchasing any property, goods, or services. Standard message and data rates may apply to text messages. You may opt out of marketing communications at any time by following the unsubscribe instructions in emails or by replying STOP to text messages.

Text Message Terms and Conditions

Program Description: By opting in to receive text messages from Mcjab325 DBA First California Funding, you will receive informational and marketing messages related to loan products, application status, promotions, and customer service.

Frequency: Message frequency varies. You may receive up to 10 messages per month.

Cost: Message and data rates may apply. Check with your mobile carrier for details about your messaging plan.

How to Opt-Out: You can cancel the SMS service at any time by texting STOP to any message you receive from us. After you send the message STOP, we will send you a confirmation message.

Help: For help or more information, text HELP to any message or contact us at (858) 654-4050.

Carrier Liability: Carriers are not liable for delayed or undelivered messages.

Privacy: Your information will be handled in accordance with our Privacy Policy. We do not share your information with third parties for their marketing purposes.

TCPA Compliance Statement

Mcjab325 DBA First California Funding complies with the Telephone Consumer Protection Act (TCPA), including regulations related to automatic telephone dialing systems (ATDS), artificial or prerecorded voice messages, and text messages. By providing your phone number and opting in to receive communications, you provide your prior express written consent to be contacted at the number(s) you provided, even if the number is on a corporate, state, or national Do Not Call registry. You agree that Mcjab325 DBA First California Funding may use automated dialing technology, prerecorded/artificial voice messages, and text messages to contact you. Your consent is not a condition of purchasing any goods or services.

Accuracy of Information

You agree to provide accurate, current, and complete information in your loan application and to update such information as necessary. Providing false or misleading information may result in denial of your application and potential legal consequences.

Licensing and Compliance

Mcjab325 DBA First California Funding is licensed to conduct business in accordance with applicable state and federal regulations. All loan products are subject to state-specific licensing requirements and regulations. Not all products are available in all states.

Equal Housing Opportunity

Mcjab325 DBA First California Funding is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity in our lending practices.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Mcjab325 DBA First California Funding or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

Website Use and Restrictions

You agree not to:

• Use our website for any unlawful purpose or in violation of these terms
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers
• Transmit viruses, malware, or other harmful code
• Collect user information without consent
• Impersonate any person or entity

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Mcjab325 DBA First California Funding shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability shall not exceed the amount paid by you, if any, for accessing our services.

Indemnification

You agree to indemnify and hold harmless Mcjab325 DBA First California Funding, its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our services, violation of these terms, or violation of any rights of another.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party websites is at your own risk.

Governing Law and Disputes

These Terms and Conditions are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after such changes constitutes acceptance of the modified terms.

Contact Information

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