Terms of Use

GENERAL

These Terms of Use, and our Privacy Policy, as each is amended from time to time, apply to you when you view, access or otherwise use the website located at www.homemac.com (the “Website”). The Website is owned by Home Mortgage Alliance Corporation (HMAC), which is headquartered in Santa Ana, California. For purposes of these Terms of Use, the terms “we,” “us,” and “our” refer to HMAC, and “you” or “your” refer to any user of the Website.

Only authorized users who have entered into a separate agreement with HMAC may access certain proprietary products or services. These Terms govern only your use of the Website and do not authorize access to any proprietary mortgage software or systems.

By accessing or using the Website, you represent that you are at least eighteen (18) years of age and agree to be bound by these Terms of Use. If you do not agree to these Terms, you must discontinue use of the Website immediately.

HMAC reserves the right to modify these Terms of Use at any time without prior notice. Your continued use of the Website following any modifications constitutes your acceptance of the revised Terms.

PRIVACY POLICY

In addition to these Terms, your use of the Website is subject to our Privacy Policy, which is incorporated herein by reference. By using the Website, you acknowledge that you have reviewed and understand our Privacy Policy.

COPYRIGHT AND INTELLECTUAL PROPERTY

© 2026 Home Mortgage Alliance Corporation (HMAC). All rights reserved.

All content appearing on this Website, including without limitation text, graphics, logos, icons, images, software, documents, downloads, page layouts, and other materials (collectively, the “Content”), is the property of Home Mortgage Alliance Corporation (HMAC) or its licensors and is protected by United States copyright, trademark, and other applicable intellectual property laws.

You may:

• Print or download Content solely for your personal, non-commercial use.
• Share individual portions of the Content with third parties for their personal, non-commercial use, provided that Home Mortgage Alliance Corporation (HMAC) is identified as the source.

Except as expressly permitted above, you may not reproduce, modify, republish, distribute, transmit, display, create derivative works from, store, license, sell, or otherwise commercially exploit any Content contained on this Website without the prior written consent of Home Mortgage Alliance Corporation (HMAC).

Nothing contained on this Website grants, expressly or by implication, any license or right to use any copyright, trademark, logo, service mark, or other intellectual property belonging to HMAC without prior written authorization.

DISCLAIMER OF WARRANTY, LIMITATION OF LIABILITY AND INDEMNIFICATION

(a) Informational Use of Website

The information provided on this Website is for general informational purposes only.

Although Home Mortgage Alliance Corporation (HMAC) makes reasonable efforts to maintain accurate, current, and complete information, HMAC makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, availability, or timeliness of any information, products, services, or related graphics contained on this Website.

Nothing contained on this Website constitutes legal, tax, accounting, financial, lending, or other professional advice. Mortgage programs, interest rates, fees, product availability, underwriting requirements, and licensing information are subject to change without notice and may vary based upon borrower qualifications, property location, and applicable law.

Any reliance you place upon information contained on this Website is strictly at your own risk.

Links to third-party websites are provided solely as a convenience. HMAC does not endorse or control, and assumes no responsibility for, the content, security, availability, or privacy practices of third-party websites.

(b) No Warranty

THE WEBSITE MAY CONTAIN ERRORS, OMISSIONS, OR TECHNICAL INACCURACIES AND MAY EXPERIENCE INTERRUPTIONS OR DOWNTIME. THE WEBSITE IS PROVIDED “AS IS,” “AS AVAILABLE,” AND WITH ALL FAULTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HMAC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, OR THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

USE OF THE WEBSITE IS AT YOUR SOLE RISK.

(c) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HMAC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF DATA, OR BUSINESS INTERRUPTION ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ITS CONTENT.

Some jurisdictions do not permit certain limitations of liability. In those jurisdictions, HMAC’s liability shall be limited to the maximum extent permitted by applicable law.

(d) Indemnification

You agree to defend, indemnify and hold HMAC harmless from and against any liability, loss, damages or costs, including reasonable attorneys’ fees, resulting from any third party claim, action, or demand based on or arising out of: (i) your use of or access to the Website or products or services hosted thereon; (ii) your violation of any third party proprietary or other rights; (iii) your breach of these Terms of Use; or (iv) your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or load on HMAC’s infrastructure. You shall not settle any such claim, action or demand unless such settlement completely and forever releases HMAC from all liability with respect to such claim or unless HMAC consents to such settlement in writing (which consent shall not be unreasonably withheld)