Website Terms and Conditions of Use

Updated Effective Date: 04/19/2026

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Please read these Terms and Conditions of Use (“Terms”) carefully before using the website operated by Jorge Villanueva (“we,” “us,” or “our”). By accessing or using our website (the “Site”), you agree to be bound by these Terms, as well as our Privacy Policy, which governs our data collection and usage practices. If you do not agree to these Terms, do not use the Site.

1. Acceptance of Terms
By accessing, browsing, or otherwise using the Site, you:
* Confirm that you are at least 18 years of age or have the legal authority to bind the entity on whose behalf you are acting.
* Agree to comply with these Terms and all applicable local, state, national, and international laws and regulations.
* Consent to be legally bound by these Terms through a clickwrap mechanism or continued use of the Site.

2. Use License
The content made available on this website—including loan program details, educational materials, calculators, and informational resources—is provided solely for consumer viewing and use in evaluating loan options and services offered by Jorge Villanueva. It is intended for informational and personal decision-making purposes only.
You are expressly prohibited from:
* Downloading, copying, saving, distributing, or reproducing any content without prior written consent;
* Using any material from the Site for commercial, resale, competitive, or non-consumer purposes;
* Scraping, crawling, indexing, or otherwise collecting data from the Site using automated tools, bots, or AI models;
* Decompiling, reverse engineering, modifying, or mirroring any part of the Site or its content;
* Circumventing access controls or security features.
This Site and its content are protected by copyright, trademark, and other intellectual property laws. Unauthorized use may result in civil or criminal penalties and immediate termination of your access.

3. Prohibited Uses
You agree not to use the Site for any unlawful or unauthorized purpose, including but not limited to:
* Introducing malware or malicious code;
* Interfering with Site functionality or infrastructure;
* Engaging in phishing, fraud, or identity theft;
* Violating the intellectual property rights of Jorge Villanueva or third parties;
* Accessing or attempting to access restricted areas without authorization.

4. Intellectual Property
All content and materials on this Site are the exclusive property of Jorge Villanueva or its content providers and are protected under U.S. and international copyright, trademark, and intellectual property laws.

5. Disclaimers
All materials are provided “as is” without warranties of any kind. We do not guarantee that the information provided is accurate, complete, current, or suitable for any specific purpose.

No Financial, Legal, or Mortgage Advice
All content, materials, tools, calculators, loan program descriptions, interest rate illustrations, and other information provided on this Site are for general informational and educational purposes only. Nothing on this Site constitutes, or should be construed as, financial advice, legal advice, tax advice, investment advice, or a solicitation to buy or sell any financial product or security.
Mortgage-Specific Disclaimers:
* All interest rates, APR figures, monthly payment estimates, and loan program details displayed on this Site are illustrative only, are subject to change without notice, and do not represent a loan commitment, pre-qualification, pre-approval, or guarantee of any kind.
* Actual loan terms, rates, and availability are subject to credit approval, underwriting review, verification of income and assets, appraisal, title, and all applicable federal and state lending regulations.
* Mortgage calculators and payment estimators are provided as tools for general estimation purposes only. Results are not guaranteed and may not reflect your actual loan terms.
* Not all loan products are available in all states or for all loan amounts.

Equal Credit Opportunity Act — Adverse Action Notice Disclosure
Jorge Villanueva, in its capacity as a licensed Mortgage Loan Originator (NMLS ID No. 1441098), complies fully with the Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691 et seq., and its implementing regulation, Regulation B, 12 C.F.R. Part 1002.
Non-Discrimination Statement: We do not discriminate against any loan applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant's income derives from any public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Adverse Action Notice Rights: If your application for credit is denied, approved on terms other than those requested, or if we take any other adverse action with respect to your application, you have the right to receive a written statement of the specific reasons for the adverse action within 30 days of our receipt of your completed application, pursuant to ECOA and Regulation B.
An Adverse Action Notice will be provided to you within the timeframes required by law and will include:
* The specific reason(s) for the adverse action or a disclosure of your right to request the specific reason(s);
* The name and address of the federal agency that administers compliance with ECOA for our company;
* Notice of your right to obtain a free copy of your credit report from the consumer reporting agency that provided information used in the credit decision, if applicable;
* The name, address, and phone number of the consumer reporting agency, if a credit report was used.
Credit Score Disclosure: If a credit score was used in making a credit decision regarding your application, you will receive a Credit Score Disclosure Notice as required under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., identifying the credit score used, the range of possible scores, the key factors that adversely affected your score, the date the score was created, and the name of the consumer reporting agency that provided the score.
AI-Assisted Underwriting Disclosure: If any automated underwriting system or AI-assisted tool was used in evaluating your application, you retain all rights under ECOA and Regulation B, including the right to a statement of specific reasons for any adverse action taken. Automated decisions do not override your legal rights under federal law.
To request your Adverse Action Notice or specific reasons for a credit decision: Contact: Jorge Villanueva NMLS ID: 1441098 Email: Jorge@Jorge-Villanueva.com Phone: (951) 531-3182 Address: [Your Address]
This disclosure is made pursuant to the Equal Credit Opportunity Act, 15 U.S.C. § 1691 et seq., Regulation B (12 C.F.R. Part 1002), and the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.

Real Estate Disclaimers:
* Property listings, valuations, market data, and neighborhood information provided on this Site are for informational purposes only and do not constitute an appraisal, broker price opinion, or guarantee of property value.
* All real estate services are conducted in compliance with the California Real Estate Law (California Business and Professions Code § 10000 et seq.) and the California Fair Employment and Housing Act.
You are strongly encouraged to consult with a licensed financial advisor, tax professional, and/or independent legal counsel before making any real estate or mortgage financing decisions.

6. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JORGE VILLANUEVA, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH:
* Your access to, use of, or inability to use the Site;
* Any content or information obtained from the Site;
* Unauthorized access to or alteration of your transmissions or data;
* Any third-party conduct or content on the Site;
* Any mortgage rate, loan estimate, or financial calculation provided on the Site.
IN NO EVENT SHALL COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100.00) OR (B) THE AMOUNT ACTUALLY PAID BY YOU TO COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
SOME JURISDICTIONS, INCLUDING THE STATE OF CALIFORNIA, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
This Limitation of Liability shall survive the termination or expiration of these Terms and your use of the Site.

7. Indemnification
You agree to indemnify, defend (with counsel acceptable to Company), and hold harmless Jorge Villanueva, its owners, officers, directors, employees, agents, licensors, affiliates, and partners (collectively, "Indemnified Parties") from and against any and all third-party claims, demands, actions, losses, liabilities, damages, judgments, penalties, fines, costs, and expenses — including reasonable attorneys' fees and court costs — arising out of or relating to:
* Your access to or use of the Site or its content;
* Your violation of any provision of these Terms;
* Your violation of any applicable federal, state, or local law or regulation, including but not limited to RESPA, TILA, ECOA, the California Real Estate Law, CCPA, or TCPA;
* Your infringement of any intellectual property, privacy, or proprietary right of any person or entity;
* Any misrepresentation made by you in connection with your use of the Site.
Company reserves the right, at its own expense, to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Company in asserting any available defenses. This indemnification obligation shall survive termination of these Terms.

8. Privacy
Your use of this Site is governed by our Privacy Policy, which explains how we handle your personal data in compliance with applicable privacy laws (CCPA, GDPR, etc.).

9. Service Modifications and Downtime
We reserve the right to modify, suspend, or terminate the Site or any features at any time. We are not liable for any disruption, loss, or unavailability.

10. External Links
This Site may contain links to third-party websites. We are not responsible for their content, accuracy, or privacy practices. Use at your own risk.

11. Export Control
You agree not to export or re-export any content from this Site in violation of U.S. export control laws.

12. Accessibility
We aim to comply with WCAG 2.1 standards for accessibility. If you experience any issues accessing the Site, please contact Jorge Villanueva. Email address: Jorge@Jorge-Villanueva.com. Phone Number (951) 531-3182

13. Changes to Terms
We may modify these Terms at any time. The “Effective Date” will reflect the most recent version. Continued use of the Site implies acceptance of any changes.

14. Governing Law and Jurisdiction
These Terms are governed by the laws of the California, USA, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Orange County, California.

15. Contact Information
Jorge Villanueva Address: ___________

Jorge@Jorge-Villanueva.com

Jorge Villanueva is a licensed real estate agent in the State of California, License No. 02100214, and a licensed mortgage loan originator, NMLS ID No. 1441098. Licensing information can be verified at www.nmlsconsumeraccess.org.

By submitting any form, users consent to communications per your TCPA policy.

16. RESPA / Affiliated Business Arrangement Disclosure
Affiliated Business Arrangement & RESPA Disclosure
Jorge Villanueva is both a licensed real estate agent and a licensed mortgage loan originator. Clients who work with Jorge Villanueva in a real estate transaction may also be offered mortgage loan origination services by Jorge Villanueva in their capacity as a licensed loan originator. This dual-role relationship constitutes an Affiliated Business Arrangement ("AfBA") under the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. § 2607.
You are NOT required to use Jorge Villanueva's mortgage loan origination services as a condition of your real estate transaction. You are free to shop for and select any provider of settlement services you choose. A separate AfBA Disclosure Statement will be provided to you prior to or at the time of referral, as required by law.
Jorge Villanueva is a licensed real estate agent in the State of California, DRE License No. 02100214, and a licensed Mortgage Loan Originator licensed in California, NMLS ID No. 1441098. Licensing information may be verified at www.nmlsconsumeraccess.org.
Equal Housing Opportunity. Equal Housing Lender.

17. Arbitration & Class Action Waiver
Dispute Resolution — Binding Arbitration & Class Action Waiver
Please read this section carefully. It affects your legal rights.
Informal Resolution First. Before initiating any formal dispute, you agree to contact Company in writing and provide a detailed description of the dispute and your desired resolution. The parties agree to attempt to resolve the dispute informally for a period of thirty (30) days from the date of written notice.
Binding Arbitration. If the dispute cannot be resolved informally, you and Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or any services offered — including disputes regarding the validity, enforceability, or scope of this arbitration clause — shall be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court.
* Arbitration shall take place in Maricopa County, Arizona, or via remote hearing.
* The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
* The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this arbitration agreement.
Class Action Waiver. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
Exceptions. Either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm, without waiving the right to arbitrate the underlying dispute.
California Residents. Notwithstanding the above, California residents retain rights under California law that may limit the enforceability of certain arbitration provisions. Nothing in this clause is intended to waive any rights that cannot be waived under California law.

18. No Guarantee of Loan Approval
No Loan Commitment or Guarantee
Nothing contained on this Site, including but not limited to any rate quote, loan program description, mortgage calculator result, or pre-qualification estimate, constitutes a loan commitment, conditional approval, pre-approval, or guarantee of financing of any kind.
All mortgage loan applications are subject to:
* Full underwriting review and credit approval;
* Verification and documentation of income, assets, employment, and identity;
* Satisfactory property appraisal and title review;
* Compliance with all applicable federal and state lending laws and regulations, including the Truth in Lending Act (TILA), 15 U.S.C. § 1601 et seq., and the Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691 et seq.
Loan products, rates, and terms are subject to change without notice and may not be available in all states or for all borrower profiles. Submission of an inquiry or application through this Site does not create a lender-borrower relationship or obligate Company to provide financing.

19. Severability
If any provision of these Terms is found by a court of competent jurisdiction or arbitrator to be unlawful, void, invalid, or unenforceable for any reason, that provision shall be deemed severed from these Terms to the minimum extent necessary and shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect. Any invalid provision shall be modified to the minimum degree necessary to make it enforceable, consistent with the original intent of the parties.

20. Artificial Intelligence & Automated Communications Disclosure
Jorge Villanueva uses artificial intelligence ("AI") tools and large language model ("LLM") technologies — including but not limited to tools developed by Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) — to assist with communications, respond to inquiries, and support client interactions on this Site and through related channels. You have the right to know the following: Some communications you receive through this Site, via SMS, email, or chat, may be generated or assisted by AI technology. AI-generated responses are reviewed periodically for accuracy but may contain errors, omissions, or outdated information. AI tools used by this Site may process the information you submit, including your name, contact details, financial information, and loan inquiry details, in order to generate responses. Your data submitted through AI-assisted forms or chat tools may be processed by third-party AI providers subject to their own privacy policies. We encourage you to review the privacy policies of Anthropic (anthropic.com), OpenAI (openai.com) and others listed. Nothing generated by any AI tool on this Site constitutes a loan commitment, pre-approval, financial advice, legal advice, or real estate advice. All AI-assisted communications are informational only. Your right to human interaction: You have the right to request that any communication be handled by a licensed human professional at any time. To make this request, contact us at Email Jorge@Jorge-Villanueva.com or Phone (951) 531-3182.

21. AI Training Data Transparency Disclosure (California AB 2013)
In compliance with California Assembly Bill 2013 (AB 2013), Jorge Villanueva provides the following disclosure regarding the use of artificial intelligence tools that have been trained on consumer data.
What AI tools we use: Jorge Villanueva uses AI-powered tools including but not limited to Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) to facilitate communications, respond to inquiries, assist with lead management, and support mortgage and real estate client interactions.
How consumer data is used in AI training: The AI tools we use may have been developed using training datasets that include consumer-generated content and data. Specifically, you should be aware of the following:
* Communications you have with AI-assisted tools on this Site, including chat messages, form submissions, and inquiry data, may be used to improve AI model performance by third-party AI providers subject to their own data governance policies.
* Jorge Villanueva does not independently train AI models. However, the third-party AI providers we use — including Anthropic (Claude), Google (Gemini), xAI (Grok), Zhipu AI (GLM) Moonshot (Kimi), MiniMax (MiniMax), Meta (Llama), Mistral AI (Mistral), DeepSeek (DeepSeek), Nvidia (Nemotron), and OpenAI (ChatGPT) — may process interaction data in accordance with their respective terms of service and privacy policies.
* Personal financial information, loan inquiry data, and real estate inquiry data submitted through this Site is treated as sensitive personal information and is not intentionally shared for AI training purposes beyond what is disclosed in the third-party providers' policies.
Your rights regarding AI-processed data:
* You have the right to request that your personal information not be used for AI training purposes. To make this request, contact us at Jorge@Jorge-Villanueva.com.
* You have the right to know what categories of your personal information have been shared with third-party AI providers.
* You have the right to request deletion of your personal information from our records, subject to mandatory legal retention requirements under RESPA, ECOA, and applicable California law.
Third-party AI provider policies: We encourage you to review the privacy and data governance policies of our AI tool providers directly:
* Anthropic: https://www.anthropic.com/privacy
* OpenAI: https://openai.com/privacy
* Please contact us for a full list of AI tool providers.
Contact our Privacy Officer for AI-related concerns: Name: Jorge Villanueva Email: Jorge@Jorge-Villanueva.com Phone: (951) 531-3182 Mailing Address: [Your Address]
This disclosure is made pursuant to California AB 2013 and the California Privacy Rights Act (CPRA), California Civil Code § 1798.100 et seq. This disclosure was last updated on 04/13/2026.

22. Entire Agreement
Entire Agreement
These Terms, together with our Privacy Policy, TCPA Compliance Policy, and any written agreements separately executed between you and Company, constitute the entire agreement between you and Company with respect to your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter herein. No oral statements, representations, or prior course of dealing shall modify or supplement these Terms.

California-Specific Disclosures

California Consumer Privacy Act (CCPA) Disclosure
California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA"):
* Right to Know: You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you.
* Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
* Right to Correct: You have the right to request correction of inaccurate personal information we hold about you.
* Right to Opt-Out of Sale or Sharing: You have the right to opt out of the sale or sharing of your personal information for cross-context behavioral advertising.
* Right to Opt Out of Automated Decision-Making: You have the right to opt out of automated decision-making processes, including profiling, that produce legal or similarly significant effects on you. To exercise this right, contact Jorge@Jorge-Villanueva.com
* Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information to only what is necessary to perform the services you requested.
* Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
To exercise any of these rights, please contact us at: Jorge Villanueva Email: Jorge@Jorge-Villanueva.com Phone: (951) 531-3182 Mailing Address: ____________
We will respond to verifiable consumer requests within forty-five (45) days as required by law. We do not sell personal information as defined under the CCPA to third parties for monetary compensation. However, certain sharing of data for advertising purposes may constitute "sharing" under the CPRA, and you may opt out using the link below.

Do Not Sell or Share My Personal Information
California residents may opt out of the sale or sharing of their personal information at any time by:
* Clicking the "Do Not Sell or Share My Personal Information" link located in the footer of this Site; or
* Submitting a written request to Jorge@Jorge-Villanueva.com
We honor Global Privacy Control (GPC) signals from supported browsers as a valid opt-out request under California law.
Please note that opting out of sharing may affect the functionality of certain personalized features on this Site.

Children's Privacy
This Site is not directed to, and we do not knowingly collect personal information from, children under the age of 13. Our services are intended solely for individuals who are 18 years of age or older.
If you are a parent or guardian and believe that your child under the age of 13 has submitted personal information through this Site, please contact us immediately at Jorge@Jorge-Villanueva.com We will take prompt steps to delete such information from our records in accordance with the Children's Online Privacy Protection Act (COPPA), 15 U.S.C. § 6501 et seq.

California Department of Real Estate Disclosure
Jorge Alberto Jimenez Villanueva is a real estate licensee in the State of California, licensed by the California Department of Real Estate (DRE).
California DRE License No.: 02100214
Real estate licensees in California are required to provide this disclosure pursuant to California Business and Professions Code § 10000 et seq. Services provided through this Site for California real estate transactions are subject to California real estate law and the regulations of the California Department of Real Estate.

California Financial Information Privacy Act (CFIPA) — SB 1
California Financial Privacy Notice
Under the California Financial Information Privacy Act (California Financial Code § 4050 et seq.), California residents have the right to limit the sharing of their nonpublic personal financial information with nonaffiliated third parties. We do not sell your nonpublic personal financial information. We share such information only as permitted by law and as described in our Privacy Policy. To opt out of certain sharing, contact us at Jorge@Jorge-Villanueva.com

Regulation Z / TILA Compliance NoticeFederal Lending DisclosureMortgage loan information provided on this Site is subject to the Truth in Lending Act (TILA), Regulation Z (12 C.F.R. Part 1026), and the Real Estate Settlement Procedures Act (RESPA), Regulation X (12 C.F.R. Part 1024). Any Loan Estimate or Closing Disclosure provided in connection with a loan application will be issued separately in accordance with applicable federal law. Annual Percentage Rates (APR) shown on this Site are estimates only and are subject to change.