Terms of Use

Please carefully review the following Terms and Conditions for Use of this website ("Terms and Conditions"). Your use of this website is expressly conditioned on your acceptance of these terms and conditions without any modifications. Your use of this website constitutes your acceptance of all the terms and conditions set forth herein. If you do not agree with any part of the following terms and conditions, you should not use this website.

In these Terms and Conditions, "we," "us" and "our" all refer to Island Pacific Homeloans, LLC, its parent company and its affiliates.

Use for Informational Purposes Only

All content provided on this website is for informational use and purposes only. Island Pacific Homeloans, LLC makes no representations as to the accuracy or completeness of any information on this website. Island Pacific Homeloans, LLC will not be liable for any errors or omissions in this information nor for the availability of this information and will not be liable for any losses, injuries, or damages from the display or use of this information. Please carefully review the remaining terms, conditions and limitations of these Terms and Conditions for further details in this regard.

Personal and Non-Commercial Use Limitation

This website is strictly for your personal and non-commercial use. Except for use permitted by these Terms and Conditions, none of the content or data found on this website may be reproduced, republished, distributed, sold, transferred or modified without the express written permission of Island Pacific Homeloans, LLC. In the absence of Island Pacific Homeloans, LLC's express prior written consent, you may not modify, copy, transmit, distribute, display, publish or reproduce this website, any webpage or any part thereof for any purpose other than your own personal and non-commercial use. You further agree not to provide any false or misleading information to us at any time during your use of this website.

No Unlawful or Prohibited Use

As a condition of your use of this website, you agree that you will not use this website for any purpose that is unlawful or prohibited by these Terms and Conditions. Actions that are prohibited by these Term and Conditions include, but are not limited to, taking or attempting any action that: (1) allows access to the website to an extent greater than authorized or intended by us; (2) results in an impermissible modification, addition, or deletion to any of the content of this website; (3) breaches the security of this website; and/or (4) would cause this website to cease to function as intended.

Privacy Policy

Island Pacific HomeLoans, LLC does not share personal information with third parties nor do we store information that is collected about your visit for use other than to analyze content performance through the use of cookies, which you can turn off at any time by modifying your Internet browser’s settings. Island Pacific Homeloans, LLC is not responsible for the republishing of the content found on this website on other Web sites or media without permission.

Please review our  Online Privacy Policy  for further discussion of what personal information we collect, what we do with this information, and how we keep it safe.

Links are Not Endorsements

This website contains hypertext links to other websites that are maintained by and under the control of third parties (the "Linked Websites"). Island Pacific Homeloans, LLC is not responsible for, and makes no representation or warranty regarding, the content or accuracy of any of the Linked Websites. Please note that once you leave this website, Island Pacific Homeloans, LLC accepts no responsibility for the content, products, services or privacy policies of non-Island Pacific Homeloans, LLC websites, LLC websites. Links to other websites or references to products, services or publications other than those of Island Pacific Homeloans, LLC does not mean that Island Pacific Homeloans, LLC has reviewed, endorses or approves of such websites, products, services or publications by Island Pacific Homeloans, LLC. These hypertext links are provided as a convenience only, and Island Pacific Homeloans, LLC is not responsible for any content that can be accessed through a hypertext link. If you access a Linked Website, you do so at your own risk. Any questions that you have about one of the Linked Websites should be directed to the individuals and/or organizations responsible for that website.

Ownership Notice; Copyrights and Trademarks

Unless otherwise noted, this website and all of the materials contained herein, including the HTML code, source code and any other code used to generate any portion of this website, are the copyrighted property of Island Pacific Homeloans, LLC or of third parties who have licensed Island Pacific Homeloans, LLC to use their property. You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this website, nor may you create derivative works, whether based in whole or in part upon the information on this website or any portion thereof without the express written permission of Island Pacific Homeloans, LLC. In addition, the trademarks, logos and service marks displayed on this website (collectively the "Trademarks") are registered and common law trademarks of Island Pacific Homeloans, LLC and/or third party service providers. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Trademarks without the written permission of Island Pacific Homeloans, LLC and/or the appropriate third party service providers.

Accuracy and Changes

While the facts and information on this website are believed to be complete and up-to-date, Island Pacific Homeloans, LLC reserves the right to modify the information on this website at any time without notice. Any such modification will be effective immediately upon posting and your continued use of this website will mean that you accept these changes.

Severability and Conflicts with other Terms

If any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable for any reason, in whole or in part, then that provision will be severable from these Terms and Conditions and won't affect the validity or enforceability of the remaining provisions. Conflicts between these Terms and Conditions and the specific terms and conditions of any other agreements relating to your Island Pacific Homeloans, LLC accounts, products and services (including any online agreements), will be controlled by the specific terms and conditions of the other agreements relating to your Island Pacific Homeloans, LLC accounts, products and services.

Disclaimers

THIS WEBSITE IS PROVIDED BY ISLAND PACIFIC HOMELOANS, LLC ON AN "AS IS" AND "AS AVAILABLE" BASIS. ISLAND PACIFIC HOMELOANS, LLC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS WEBSITE. ISLAND PACIFIC HOMELOANS, LLC DOES NOT GUARANTEE OR WARRANT THE ACCURACY OF INFORMATION CONTAINED ON THIS WEBSITE OR THAT ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, ISLAND PACIFIC HOMELOANS, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

THE CONTENT AND INFORMATION PROVIDED IN THIS WEBSITE IS NOT INTENDED TO PROVIDE INVESTMENT, FINANCIAL OR LEGAL ADVICE AND SHOULD NOT BE RELIED UPON FOR PERSONAL, LEGAL OR FINANCIAL DECISIONS. YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC INDIVIDUAL ADVICE REGARDING ANY CONTENT OR INFORMATION OBTAINED FROM THIS WEBSITE.

TERMS AND CONDITIONS FOR USE OF THIS WEBSITE

Island Pacific Homeloans, LLC is not liable for any direct, indirect or consequential loss, damage or inconvenience arising out of your use of this website. Island Pacific Homeloans, LLC reserves the right to cancel or restrict your access to this website without notice to you. Island Pacific Homeloans, LLC is not responsible for damages suffered by you or any inconvenience caused directly or indirectly by our termination of your access to this website.

Restriction on Use

Some states/jurisdictions do not allow the disclaimer of certain warranties and/or the exclusion or limitation of liability for certain types of damages. Accordingly, some of the preceding disclaimer, exclusion and limitation may not apply to you. In such event, use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms and Conditions.

Violation of These Terms and Conditions

If we determine that you have violated any provision of these Terms and Conditions, Island Pacific Homeloans, LLC has the right, in its sole discretion, to pursue any and all of its legal remedies.

Indemnification

You agree to defend, indemnify and hold harmless Island Pacific Homeloans, LLC, and its officers, directors, employees and agents from and against any and all claims arising from your use or misuse of the website.

Governing Law, Jurisdiction, Waiver of Jury Trial

These Terms and Conditions constitute a contract made under and governed by and construed in accordance with the laws of the State of Hawaii and the United States of America without regard to any conflicts of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in the City & County of Honolulu, State of Hawaii, United States of America, for all disputes and issues regarding your use of this website and your compliance with these Terms and Conditions. To the fullest extent permitted by applicable state and federal law, you and we each agree to waive the constitutional right to a trial before a jury. All disputes and controversies and claims arising out of the use of this website will be resolved either through arbitration or in the courts.