Terms of Service

1. Acceptance of Terms

By accessing or using the website of Partners Elite Financial Inc. ("we," "us," or "our"), including any content, functionality, or services offered on or through partnersef.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to all of these terms, you must not access or use the Site.

2. Description of Services

Partners Elite Financial Inc. is a licensed mortgage brokerage. We provide mortgage-related information, tools, and referral services to connect consumers with wholesale mortgage lending options. We are licensed to originate mortgage loans in Florida, Oregon, Washington.

Partners Elite Financial Inc. · Company NMLS #1830849 · Michael Callaham Jr., NMLS #379732.

3. Not a Commitment to Lend

IMPORTANT NOTICE: Nothing on this Site constitutes a commitment to lend, an offer to extend credit, or a guaranteed rate or terms. All loan products, rates, and programs are subject to change without notice. All loans are subject to credit approval, property appraisal, and verification of income, assets, and other underwriting conditions. Final loan approval is at the sole discretion of the wholesale lender and is not guaranteed by Partners Elite Financial Inc..

4. Not Financial or Legal Advice

The information, calculators, tools, and content provided on this Site are for informational and educational purposes only and do not constitute financial, legal, tax, or investment advice. You should consult with qualified financial, legal, and tax professionals before making any mortgage or financial decisions. Your use of any information or materials on this Site is entirely at your own risk.

5. Eligibility

By using this Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. You further represent that all information you provide to us is accurate, complete, and truthful to the best of your knowledge.

6. User Information and Privacy

Your use of the Site is also governed by our Privacy Policy. By submitting any personal information through the Site, you consent to our collection, use, and disclosure of that information as described in the Privacy Policy. We use industry-standard security measures to protect your data, but no method of transmission over the Internet is 100% secure.

7. Intellectual Property

All content on this Site—including text, graphics, logos, images, calculators, software, and other materials—is the property of Partners Elite Financial Inc. 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 from, publicly display, or commercially exploit any content without our prior written consent.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes related to exploring mortgage options.

8. Prohibited Uses

You agree not to use the Site to:

• Violate any applicable federal, state, or local law or regulation;
• Submit false, misleading, or fraudulent information;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Interfere with or disrupt the Site, servers, or networks connected to the Site;
• Attempt to gain unauthorized access to any portion of the Site or its systems;
• Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission;
• Engage in any activity that could damage, disable, overburden, or impair the Site.

9. Third-Party Links and Services

The Site may contain links to third-party websites, services, or resources, including NMLS Consumer Access, lender websites, and other mortgage-related resources. These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, privacy policies, or practices of any third-party sites or services. Your use of third-party sites is at your own risk and subject to their respective terms.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS, CALCULATORS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, PARTNERS ELITE FINANCIAL INC. DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

We do not warrant that the Site will be uninterrupted, timely, secure, error-free, or that any defects will be corrected. Mortgage calculators and estimates are approximations only and should not be relied upon as final quotes or binding offers.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PARTNERS ELITE FINANCIAL INC., MICHAEL CALLAHAM JR., OR ANY OF OUR OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for all claims arising out of or relating to these Terms or your use of the Site shall not exceed the greater of one hundred dollars ($100) or the amount you have paid to us in the twelve (12) months preceding the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless Partners Elite Financial Inc., Michael Callaham Jr., and our affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any rights of another party.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the federal or state courts located in St. Johns County, Florida. You waive any objection to jurisdiction or venue in such courts.

14. Changes to These Terms

We reserve the right to modify or update these Terms at any time, in our sole discretion. All changes are effective immediately when posted. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other written agreements you may enter into with us, constitute the entire agreement between you and Partners Elite Financial Inc. regarding your use of the Site and supersede all prior or contemporaneous agreements, understandings, and representations.

17. Equal Housing Opportunity

Partners Elite Financial Inc. is an Equal Housing Opportunity Lender. We conduct business in accordance with the federal Fair Housing Act, which makes it illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin in the sale, rental, or financing of housing.

18. NMLS Consumer Access

You may verify our licensing status through NMLS Consumer Access, the official consumer access portal for the Nationwide Multistate Licensing System. Company NMLS #1830849 · Michael Callaham Jr., NMLS #379732. Licensed in Florida, Oregon, Washington.

19. Contact Information

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