These Terms of Service (“Terms”) govern your access to and use of the website at citizensfinancial.co and any related services provided by Citizens Financial (“Citizens Financial,” “we,” “us,” or “our”), a California mortgage brokerage operating under NMLS #2503947 and doing business as The Badges Broker, Citizens Financial Home Services, and Adobe Mortgage.
By accessing or using our website, submitting any form on our website, or communicating with us, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.
About Citizens Financial
Citizens Financial is a licensed California mortgage brokerage. Loans are subject to credit approval, underwriting requirements, and property approval. Not all applicants will qualify for all loan programs. Rates, terms, and program availability may change without notice. Nothing on our website constitutes a commitment to lend.
CA DRE License #01746163 NMLS #2503947
Use of Our Website
You may use our website only for lawful purposes and in accordance with these Terms. You agree NOT to:
- Use the website in any way that violates any applicable federal, state, local, or international law
- Provide false or misleading information on any of our forms, including loan applications, quote requests, or pre-qualification forms
- Use the website to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any similar solicitation
- Impersonate or attempt to impersonate Citizens Financial, a Citizens Financial employee, another user, or any other person or entity
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website
- Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website
Quote, Pre-Qualification, and Loan Applications
When you submit a quote request, pre-qualification request, or loan application through our website, you agree that:
- All information you provide is true, accurate, complete, and current to the best of your knowledge
- You authorize Citizens Financial and its licensed loan officers to contact you by phone, email, and (if you have opted in) text message regarding your inquiry and any related loan products
- You understand that submitting a form does not constitute a loan approval, pre-approval, or commitment to lend
- Citizens Financial may obtain your credit report and other financial information necessary to evaluate your eligibility, with your express authorization where required by law
- Final loan approval is subject to underwriting, property appraisal, title review, and other conditions
SMS / Text Messaging
By providing your mobile phone number on any of our forms and consenting to receive text messages, or by direct request to one of our loan officers, you agree to the SMS terms outlined in our Privacy Policy, including:
- You consent to receive recurring SMS messages from Citizens Financial regarding your mortgage inquiry, loan status, document requests, appointment scheduling, and related communications
- Message frequency varies; message and data rates may apply per your carrier
- You may opt out at any time by replying STOP; reply HELP for help
- Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes
- SMS consent is not required to obtain mortgage services from Citizens Financial
For full SMS terms, see our Privacy Policy at citizensfinancial.co/privacy-policy.
Intellectual Property
All content on our website — including text, graphics, logos, images, and software — is the property of Citizens Financial or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on our website without our prior written consent, except that you may print or download materials for your personal, non-commercial use related to evaluating mortgage services.
Third-Party Links and Services
Our website may contain links to third-party websites, including lender portals (such as Blink Mortgage), real estate platforms, social media, and other services. These third-party sites are not under our control, and we are not responsible for their content, privacy practices, or terms of use. Your interactions with third-party sites are governed by the terms and policies of those sites.
Disclaimers
The information on our website is provided for general informational purposes only and does not constitute financial, legal, tax, or other professional advice. You should consult with qualified professionals before making any financial decisions.
THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Loan rates, terms, fees, and program availability are subject to change without notice and are not guaranteed until you receive a written Loan Estimate or other binding commitment.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CITIZENS FINANCIAL, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE OR ANY CONTENT ON THE WEBSITE.
Indemnification
You agree to indemnify, defend, and hold harmless Citizens Financial and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your access to or use of the website, your violation of these Terms, or your violation of any rights of another party.
Governing Law and Venue
These Terms and your use of the website are governed by the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Solano County, California, and you consent to personal jurisdiction and venue in those courts.
Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.
Contact Us
If you have questions about these Terms, please contact us:
Citizens Financial 406 Main Street, Suite G Vacaville, CA 95688 Phone: (707) 800-6047 Email: info@citizensfinancial.co
NMLS #2503947 | CA DRE #01746163 DBA: The Badges Broker, Citizens Financial Home Services, Mortgage Equal Housing Opportunity
