Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of https://best.penalutim.com (the “Site”). By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the Site.

Important Notice: The Site provides general mortgage-related information and tools. It does not provide legal, tax, or financial advice.

1. Definitions

  • “We,” “Us,” “Our”: The operator of the Site, Best Penalutim (or [Insert Legal Entity Name]).

  • “You,” “User”: Any person accessing or using the Site.

  • “Content”: All text, data, graphics, tools, calculators, articles, and other materials on the Site.

  • “Services”: Any features offered through the Site, including informational resources, calculators, forms, and inquiries.

2. Scope of Services (Mortgage-Related Information)

  1. The Site may provide mortgage-related content such as educational articles, rate information, product comparisons, checklists, and calculators.

  2. Any outputs (including calculator results) are estimates only and may not reflect actual eligibility, rates, fees, terms, or approval outcomes.

  3. Mortgage terms, interest rates, fees, and product availability can change without notice and depend on lender policies and your personal circumstances.

3. No Financial Advice; No Professional Relationship

  1. The Content is provided for general informational purposes only and should not be relied upon as financial, legal, or tax advice.

  2. Your use of the Site does not create any professional relationship (including advisor-client or broker-client) between you and Us.

  3. You should consult qualified professionals (e.g., licensed mortgage advisors, banks, notaries, lawyers, tax consultants) before making decisions.

4. Not a Lender; No Guarantee of Approval

  1. Unless explicitly stated otherwise, We are not a bank or lender and do not issue loans.

  2. Any lender or product information is provided for convenience and general comparison.

  3. Submitting an inquiry or application-related form does not guarantee mortgage approval or specific terms.

5. Eligibility and User Responsibilities

By using the Site, You agree that:

  1. You are legally capable of entering into these Terms under applicable law.

  2. You will provide information that is accurate, complete, and up to date when submitting any form.

  3. You are responsible for maintaining the confidentiality of any account credentials (if applicable) and all activities under your account.

6. User Submissions, Inquiries, and Consent to Contact

  1. If You submit personal details (e.g., name, phone number, email, income, property details), You confirm that:

    • You have the right to provide such information; and

    • The information is truthful and not misleading.

  2. By submitting a form, You authorize Us (and/or Our partners, where relevant) to contact You regarding your inquiry via email, phone, messaging apps, or other reasonable channels, subject to applicable law and Our Privacy Policy.

  3. We may share your inquiry details with relevant third parties (such as banks, lenders, brokers, or service partners) only as needed to respond to your request and in accordance with Our Privacy Policy.

7. Intellectual Property

  1. The Site and Content are owned by or licensed to Us and are protected by intellectual property laws.

  2. You may view, download, and print Content for personal, non-commercial use only.

  3. You may not copy, reproduce, republish, distribute, modify, create derivative works, or exploit the Content for commercial purposes without Our prior written consent.

8. Acceptable Use

You agree not to:

  1. Use the Site for unlawful purposes or in violation of applicable regulations.

  2. Upload or transmit harmful code, malware, or attempt to disrupt Site operations.

  3. Scrape, harvest, or collect data from the Site without authorization.

  4. Post or submit misleading, fraudulent, defamatory, abusive, or infringing content.

  5. Impersonate any person or entity, or misrepresent your affiliation.

9. Third-Party Links and Services

  1. The Site may contain links to third-party websites, tools, advertisements, or services.

  2. We do not control and are not responsible for third-party content, availability, policies, or practices.

  3. Your use of third-party services is at your own risk and subject to their terms and privacy policies.

10. Content Accuracy and Updates

  1. We strive to keep Content accurate and current, but We do not warrant that the Content is complete, error-free, or always up to date.

  2. We may change, update, or remove Content or Services at any time without notice.

11. Disclaimers

To the fullest extent permitted by law:

  1. The Site and Content are provided “as is” and “as available.”

  2. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and availability.

  3. We do not warrant that:

    • the Site will be uninterrupted or error-free;

    • defects will be corrected; or

    • the Site is free of viruses or other harmful components.

12. Limitation of Liability

To the fullest extent permitted by law:

  1. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or opportunities, arising from or related to your use of the Site.

  2. Our total liability for any claim arising out of or relating to the Site shall be limited to the amount (if any) paid by You to Us for the specific Service giving rise to the claim during the three (3) months preceding the event.

13. Indemnification

You agree to indemnify and hold harmless Us, Our affiliates, officers, employees, and partners from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from:

  1. your use of the Site;

  2. your breach of these Terms; or

  3. your violation of any law or third-party rights.

14. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, if We reasonably believe You have violated these Terms or applicable law.

15. Privacy

Your use of the Site is also governed by Our Privacy Policy. Please review it to understand how We collect, use, and share information.

16. Changes to These Terms

  1. We may update these Terms from time to time.

  2. Updated Terms will be posted on this page with a revised “Last Updated” date.

  3. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms.

17. Governing Law and Dispute Resolution

  1. These Terms shall be governed by the laws of [Insert Jurisdiction/Country].

  2. Any dispute arising out of or relating to these Terms shall be resolved through [Insert Court/Arbitration/Mediation Method] in [Insert City/Region], unless otherwise required by applicable law.

18. Contact Us

If you have questions about these Terms, contact Us

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