Terms of Service

1. Acceptance of Terms

By accessing or using the SRK CAPITAL website (srkloans.com) and our mortgage services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

SRK CAPITAL provides mortgage brokerage services, including but not limited to:

• Mortgage loan consultation and advisory services
• Loan application processing and submission
• Connecting borrowers with lenders
• Educational resources about home financing
• Refinancing assistance

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials

4. User Responsibilities

You agree to:

• Provide truthful and accurate information in all applications and forms
• Promptly update any information that becomes inaccurate
• Cooperate with verification processes
• Not use our services for any illegal or unauthorized purpose
• Not violate any laws or regulations in your jurisdiction
• Not transmit any viruses, malware, or harmful code

5. Loan Applications and Approval

Please understand that:

• Submitting a loan application does not guarantee approval
• Loan approval is subject to lender requirements and underwriting guidelines
• We do not make lending decisions; we facilitate connections between borrowers and lenders
• Interest rates and terms are subject to change without notice
• Pre-qualification or pre-approval is not a commitment to lend

6. Fees and Compensation

Our compensation may come from:

• Lender-paid compensation
• Borrower-paid origination fees
• Processing or application fees

All fees will be disclosed in accordance with applicable laws and regulations, including the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA).

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of SRK CAPITAL INC. or its licensors and is protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our content

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

9. Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF INFORMATION

We do not guarantee that our services will be uninterrupted, secure, or error-free.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SRK CAPITAL INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Lost profits or revenues
• Loss of data
• Loan denial or unfavorable terms
• Failure to close a transaction

Our total liability shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless SRK Capital, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including attorney's fees) arising from:

• Your violation of these Terms
• Your violation of any law or regulation
• Your provision of false or misleading information
• Your use or misuse of our services

12. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in the state of California, and judgment on the award may be entered in any court having jurisdiction.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of California, without regard to its conflict of law principles.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

15. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice. Upon termination, your right to use our services will immediately cease.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

For questions about these Terms of Service, please contact us at:

18. NMLS and Licensing Information

SRK CAPITAL IMC. | NMLS ID: 2043372 | California Department of Real Estate License: 01961971

For more licensing information, visit the Nationwide Multistate Licensing System (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.