The Terms of Use ("Terms") contained on this page govern your access to and use of this website, including any content, services, or other functionality ("Services") offered on or through the website. PHL reserves the right to modify these Terms at any time and for any reason, with or without notice to you. Any changes to these Terms will be effective immediately upon posting to this Terms of Use page. By continuing to use this site, you agree to be bound by the most recent Terms, regardless of whether you have been notified of any such changes. PHL reserves the right to modify or terminate the Services and to terminate your access to the site at any time. This site is intended for users above the age of 17. You further agree not to use this site if you are under the age of 18.

This site and its contents, functionality, and features are owned or licensed by PHL and are protected by United States intellectual property laws. You may not use, reproduce, license, reverse engineer or create any derivative works, for any commercial or public purpose, unless otherwise authorized in writing by PHL.

All trademarks, service marks, trade names or other related intellectual property rights in the Services belong to PHL or to its licensors. You acknowledge that you have no rights or interest in and agree not to use, reproduce, or display any PHL trademarks without PHL's written consent.

You may use this site and any Services for lawful purposes only. You agree that you will not use the site or Services in any way that violates any applicable local, state, or federal laws or regulations.

Cookies

Your use of this site and/or Services is subject to the PHL Privacy Policy. By accessing or using this site or Services, you acknowledge and agree that PHL may collect certain and retain certain information about you or the device used to access this site. For additional information about the collection and use of personal information of California consumers, please see the CCPA Privacy Policy.

Credit Authorization

I/We authorize PHL to obtain a tri-merged consumer credit report through our credit servicer. I/We understand that PHL intends to use the credit report for the purposes of confirming my/our residence address, verifying other credit information, including past and present mortgages, and evaluating whether my/our income is eligible to support the mortgage loan for which I/We are applying for.

I/We understand that the credit report obtained is to be used solely in the processing of the mortgage loan application and this information may only be shared with other agencies that have a direct connection with the processing of the mortgage loan application. I/We understand that credit inquiries have the potential to impact my/our credit score. I/We understand that the tri-merge credit report will be retianed in my file by PHL for 120 days from our application date.

Disclaimer & Limitation of Liability

TO THE EXTENT PERMITTED BY LAW, THIS SITE AND SERVICES ARE PROVIDED BY PHL ON AN "AS-IS," "WHERE IS," "AS AVAILABLE," AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED - INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. YOU UNDERSTAND AND AGREE THAT PHL MAKES NO WARRANTY AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF THIS SITE OR ANY SERVICES.

FURTHERMORE, TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT IN NO EVENT WILL PHL BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING ANY LOSS ASSOCIATED WITH A COMPUTER VIRUS WHICH MAY INFECT YOUR COMPUTER OR OTHER DEVICE, PROPERTY DAMAGE, OR BODILY INJURY. YOU FURTHER UNDERSTAND AND AGREE THAT TO THE EXTENT LEGALLY PERMITTED, IN NO EVENT WILL APM BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER TYPE OF DAMAGE, WHETHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT, STRICT LIABILITY OR OTHERWISE, ARISING IN ANY WAY OUT OF THE ACCESS TO OR USE OF THIS SITE OR THE SERVICES.

Indemnification

You agree to indemnify, defend, and hold harmless PHL and its directors, officers, employees, agents, successors and assigns from and against all losses, liability, claims, and expenses (including attorneys fees) arising out of or relating to your violation of these Terms or your misuse of the site or Services.

Governing Law & Severability

These Terms are to be construed and governed by the laws of the State of Florida without reference to its conflicts of law provisions. If any of the terms or provisions of these Terms are held to be unenforceable or void, the extent of such prohibition or unenforceability will not invalidate the remaining provisions.