Terms of Service

Introduction

Welcome to Preme Home Loans ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at premerealestate.com and all related services, including our SMS messaging program. By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Eligibility

You must be at least 18 years of age and a resident of the United States to use our services. By using our website or services, you represent and warrant that you meet these eligibility requirements. If you are using our services on behalf of a business or entity, you represent that you have the authority to bind that entity to these Terms.

SMS Program Terms

Preme Home Loans offers an SMS messaging program ("Preme Home Loans SMS Communications") to provide you with service updates, loan application status notifications, appointment reminders, and follow-up communications related to your inquiry or loan application.

Message frequency varies. You may receive up to 5 messages per inquiry. The number of messages you receive depends on the nature of your interaction with us and the status of your loan application.

MESSAGE AND DATA RATES MAY APPLY

Our SMS program is compatible with all major US carriers, including but not limited to AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, Cricket, MetroPCS, U.S. Cellular, and other supported carriers. Carriers are not liable for delayed or undelivered messages. We are not responsible for transmission failures caused by carrier networks, device incompatibility, or other factors outside our control.

Opt-In & Consent

You opt in to our SMS program by submitting a form on our website with your phone number and checking the consent checkbox, or by otherwise providing your express written consent to receive text messages from Preme Home Loans. By opting in, you confirm that you agree to receive SMS messages from Preme Home Loans at the phone number you provided.

Consent is not a condition of purchase. You are not required to opt in to SMS messaging in order to purchase any goods, services, or property from Preme Home Loans. You may choose to receive communications by other means, such as phone or email.

By opting in, you also confirm that the phone number you provided is your own and that you are authorized to receive text messages at that number. You agree to notify us promptly if you change your phone number.

Opt-Out Instructions

You may opt out of receiving SMS messages from us at any time. To opt out:

• Reply STOP to any text message you receive from us to unsubscribe immediately
• Reply HELP to any text message for support information
• Call us at (470) 942-5787
• Email us at loans@premerealestate.com

We honor all standard opt-out keywords, including: STOP, stop, Stop, CANCEL, END, UNSUBSCRIBE, and QUIT. After you send an opt-out keyword, you will receive a final confirmation message and no further SMS messages will be sent unless you re-opt in.

Message Examples

Below are examples of the types of SMS messages you may receive from us:

Carrier Liability

Carriers are not liable for delayed or undelivered messages. We are not responsible for transmission failures, including but not limited to failures caused by carrier network issues, device incompatibility, changes in your phone number or service, or other conditions outside our control. T-Mobile is not liable for delayed or undelivered messages.

Privacy & Data

Your privacy is important to us. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All text messaging originator opt-in data and consent will not be shared with any third parties.

We collect and use your phone number and messaging data solely for the purposes described in these Terms and our Privacy Policy. We retain your SMS opt-in data for as long as you remain subscribed to our messaging program. You may request deletion of your data at any time by contacting us.

For full details on how we collect, use, and protect your personal information, please review our Privacy Policy.

Use of Website & Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our website in any way that violates applicable federal, state, local, or international law
• Submit false, inaccurate, or misleading information on any form
• Attempt to gain unauthorized access to our systems, servers, or networks
• Interfere with or disrupt the operation of our website or services
• Use automated tools, bots, or scrapers to access our website without our written permission
• Impersonate or attempt to impersonate Preme Home Loans, a Preme employee, or another user

Intellectual Property

All content on our website, including text, graphics, logos, images, software, and the compilation thereof, is the property of Preme Home Loans or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content on our website without our prior written consent, except as incidental to normal web browsing.

Limitation of Liability

To the fullest extent permitted by applicable law, Preme Home Loans, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with:

• Your access to or use of (or inability to access or use) our website or services
• Any conduct or content of any third party on our website
• Any content obtained from our website
• Unauthorized access, use, or alteration of your transmissions or content
• Delayed or undelivered SMS messages

Our total liability for any claims arising under these Terms shall not exceed the total amount you have paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

Indemnification

You agree to defend, indemnify, and hold harmless Preme Home Loans, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms or our website shall be instituted exclusively in the state or federal courts located in Fulton County, Georgia. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. If we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Preme Home Loans regarding your use of our website and services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.