TERMS OF USE

Terms of Use jeremyengle.com Last updated: January 28, 2026

These Terms of Use (“Terms”) govern your access to and use of the website jeremyengle.com and any related mobile websites, subdomains, or pages (collectively, the “Site”), owned and operated by Jeremy Engle, NMLS #293517, doing business through Vero Mortgage, a division of Golden Empire Mortgage, Inc. (“we”, “us”, “our”).

1. Acceptance of Terms By accessing, browsing or using the Site in any way you accept and agree to be bound by these Terms and our Privacy Policy (incorporated here by reference). If you do not agree to these Terms, you must not access or use the Site.

2. No offer – informational purposes only Nothing on the Site constitutes an offer to make a loan, a commitment to lend, a solicitation to apply for credit, or the completion of any mortgage application. All rates, terms, programs, fees, closing costs, availability of products, and eligibility requirements shown or described on the Site:

  • are illustrative and subject to change at any time without notice

  • depend on many factors including creditworthiness, property type, loan-to-value ratio, debt-to-income ratio, location, investor guidelines, and market conditions

  • may not be available in all states or to all borrowers

Any calculator, payment estimate, qualification tool, or rate quote provided on the Site is for educational and illustrative purposes only and is not a guaranteed offer, pre-approval, pre-qualification, or commitment.

3. No online mortgage application completed through the Site Submitting contact information, a lead form, “apply now” request, document upload, or any other information through the Site does not constitute a completed mortgage loan application under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), or any other applicable law. A formal application requires additional documentation, credit pull (where authorized), income/asset verification, appraisal (if applicable), title search, and full underwriting review.

4. Licenses and permissions We (and/or our licensors) own or license all right, title, and interest in and to the Site and its entire contents including (without limitation) text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, software, calculators, tools, and the selection and arrangement thereof (collectively “Content”).

You are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Content solely for your personal, non-commercial informational use. You may not:

  • copy, reproduce, modify, create derivative works from, distribute, publicly display, publicly perform, republish, download, store, license, sell, rent, lease, lend, or otherwise exploit any Content

  • use any robot, spider, scraper, or other automated means to access the Site

  • frame or mirror any part of the Site

  • remove or alter any copyright, trademark, or other proprietary notices

All trademarks, service marks, trade names, and logos displayed on the Site are our property or the property of other respective owners. No license or right to use them is granted except as expressly stated in these Terms.

5. Prohibited conduct You agree not to:

  • use the Site for any unlawful purpose or in violation of any local, state, federal, or international law

  • transmit any material that is fraudulent, misleading, libelous, defamatory, obscene, pornographic, abusive, harassing, or invasive of privacy

  • impersonate any person or entity

  • interfere with or disrupt the Site or servers/networks connected to the Site

  • attempt to gain unauthorized access to any portion of the Site, other accounts, or any computer systems/networks

  • introduce viruses, Trojan horses, worms, logic bombs, or other harmful material

  • collect or harvest any personally identifiable information from other users

6. Third-party links and resources The Site may contain links to third-party websites or resources. We provide these links for convenience only and do not endorse or assume any responsibility for the content, privacy practices, goods, services, or accuracy of those sites. Your use of third-party sites is at your own risk.

7. Disclaimers THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, TIMELINESS, NON-INFRINGEMENT, OR THAT THE SITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.

WE DO NOT WARRANT THAT ANY LOAN PRODUCT, RATE, TERM, OR PROGRAM DESCRIBED ON THE SITE WILL BE AVAILABLE TO YOU OR THAT YOU WILL QUALIFY FOR IT.

8. Limitation of liability TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR PARENT COMPANY (GOLDEN EMPIRE MORTGAGE, INC.), AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

9. Indemnification You agree to indemnify, defend, and hold harmless us, Golden Empire Mortgage, Inc., Vero Mortgage, and our respective officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

10. Changes to Terms We may revise these Terms at any time by posting the updated version on the Site. The “Last updated” date at the top indicates when changes were last made. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

11. Governing law and jurisdiction These Terms are governed by the laws of the State of California without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Tulare County, California. You consent to the personal jurisdiction of those courts.

12. Miscellaneous

  • If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.

  • Our failure to enforce any right or provision does not constitute a waiver.

  • These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Site.

Contact Questions or concerns about these Terms may be directed to:

Jeremy Engle jeremy@jeremyengle.com Vero Mortgage – Division of Golden Empire Mortgage, Inc. 700 W Center Avenue Visalia, CA 93291

NMLS #293517 (individual) Golden Empire Mortgage, Inc. NMLS #2427

Thank you for visiting jeremyengle.com.