Terms of Use
Effective date: [REVIEW: insert effective date when published]
Last updated: [REVIEW: insert update date]
These Terms of Use (“Terms”) govern your access to and use of dougbetz.com (the “Site”), operated by Doug Betz, a licensed California Real Estate Salesperson (DRE #01181814) and Mortgage Loan Originator (NMLS #1339730) acting under C2 Financial Corporation (NMLS #135622) (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Informational Purposes Only
The content on this Site is provided for general informational purposes only. Nothing on the Site constitutes legal, tax, financial, or professional advice, an offer or solicitation to buy or sell real estate, an offer to extend credit, or a commitment to lend. Loan products, programs, rates, and terms are subject to change without notice and to credit approval, underwriting, and other requirements.
2. Equal Housing Opportunity
We are committed to the principles of equal housing opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, sexual orientation, gender identity, marital status, age, or any other protected category under federal, state, or local law.
3. Licensing
Doug Betz is a Mortgage Loan Originator licensed by the California Department of Financial Protection and Innovation (NMLS #1339730), operating under C2 Financial Corporation (NMLS #135622). Doug Betz is also a licensed California Real Estate Salesperson (DRE #01181814). Licensing information can be verified through the NMLS Consumer Access portal at nmlsconsumeraccess.org and the California Department of Real Estate at dre.ca.gov.
4. Permitted Use
You may use the Site for lawful, personal, non-commercial purposes. You agree not to:
- Use the Site in violation of any applicable law or regulation
- Attempt to gain unauthorized access to any part of the Site, our systems, or other users’ accounts
- Introduce malware, viruses, or other malicious code
- Scrape, harvest, or systematically extract data from the Site
- Use the Site to send unsolicited communications
- Interfere with the Site’s operation, security, or other users’ use of it
- Reverse engineer or attempt to extract source code from any part of the Site
- Misrepresent your identity or affiliation
5. Intellectual Property
All content on the Site — including text, graphics, logos, photographs, and the overall look and feel — is owned by Doug Betz or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works without our prior written permission, except for incidental personal use such as printing a single copy for your own reference.
Third-party trademarks (such as those of C2 Financial Corporation, the National Association of Realtors, NMLS, and DRE) belong to their respective owners and are used with permission or under fair use.
6. Third-Party Content and Links
The Site may contain links to or embedded content from third-party websites. We do not endorse, control, or take responsibility for the content, accuracy, or practices of those third parties. Your use of third-party services is at your own risk and subject to those services’ own terms and privacy policies.
7. User Submissions
If you submit a message, review, photo, or other content to us through the Site, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and reproduce that content in connection with our business, including marketing materials. You represent that your submissions are your own original content and do not violate the rights of any third party. Do not submit confidential financial information through general contact forms; use the secure loan-application channels we provide instead.
8. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. Mortgage rates, calculator results, market statistics, and similar information are provided for general illustration only and may not reflect current conditions.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL DOUG BETZ, C2 FINANCIAL CORPORATION, OR OUR RESPECTIVE AGENTS OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10. Indemnification
You agree to defend, indemnify, and hold harmless Doug Betz and our affiliates from and against any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
11. Governing Law and Disputes
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Site will be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of those courts. [REVIEW WITH ATTORNEY: consider whether you want a binding-arbitration clause, class-action waiver, or different dispute-resolution mechanism — these have significant legal implications.]
12. Changes to These Terms
We may update these Terms from time to time. Material changes will be reflected by an updated “Last updated” date at the top of the page. Continued use of the Site after changes become effective constitutes acceptance of the updated Terms.
13. Contact
Doug Betz Real Estate & Lending30211 Avenida de las Banderas, Suite 200
Rancho Santa Margarita, CA 92688
Phone: (949) 315-9058
Email: [email protected]
Disclaimer: These Terms of Use are a starting template and have not been reviewed by an attorney. Before publishing, please have them reviewed by a qualified legal professional and confirm any required language with C2 Financial Corporation’s compliance department.