These Terms of Use govern your use of the Website. By accessing or using the Website, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use the Website.

Ownership of the Website

The Website is owned and operated by Sincere Mortgage Group ("we," "us," or "our"). All content, information, and materials available on the Website, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, are owned by us or our licensors and are protected by applicable copyright, trademark, and other intellectual property laws.

Permitted Use

You may use the Website for your personal, non-commercial use only. You agree not to use the Website for any unlawful or prohibited purpose. You may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any content, information, or materials obtained from the Website without our prior written consent.User AccountsIn order to access certain features or services of the Website, you may be required to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You must notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to terminate or suspend your account at any time without notice or liability.

User Contributions

By submitting any content, information, or materials to the Website, including but not limited to comments, reviews, suggestions, or ideas, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display such content, information, or materials throughout the world in any media. You represent and warrant that you have all necessary rights to grant us these rights and that the content, information, or materials you submit do not infringe upon the rights of any third party.

Third-Party Links and Content

The Website may contain links to third-party websites or resources. We provide these links solely as a convenience and do not endorse or control the content of any third-party website. You acknowledge and agree that we are not responsible for the availability or accuracy of such third-party websites or resources and we do not endorse any advertising, products, or other materials on or available from such websites or resources. You further acknowledge and agree that we shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party website or resource.

Disclaimer of Warranty

THE WEBSITE AND ITS CONTENT, INFORMATION, AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES