Effective Date: 9/18/25

Welcome to Palm and Pine Mortgage (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website located at www.palmandpinemortgage.com (the “Site”) and any related services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. By using the Services, you represent that you meet these requirements.

2. Use of Services

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

Use the Services in a way that violates any applicable law or regulation.

Attempt to gain unauthorized access to our systems or networks.

Use the Services to transmit harmful or malicious code.

Engage in activity that interferes with or disrupts the Services.

3. Accounts

If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You must notify us immediately if you suspect unauthorized use.

4. Intellectual Property

All content, features, and functionality available through the Services (including text, graphics, logos, icons, images, audio, video, and software) are owned by or licensed to Palm and Pine Mortgage and are protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

5. Purchases and Payments (if applicable)

If you purchase products or services through the Site:

You agree to provide accurate billing and payment information.

All sales are subject to our refund and cancellation policies, if any, posted on the Site.

Prices are subject to change without notice.

6. Third-Party Links

The Services may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third parties, and you access them at your own risk.

7. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis. We disclaim all warranties of any kind, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Services will be uninterrupted, error-free, secure, or free of viruses.

8. Limitation of Liability

To the maximum extent permitted by law, Palm and Pine Mortgage, and its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Services. Our total liability to you for any claim related to the Services shall not exceed the amount you paid (if any) for using the Services in the past 12 months.

9. Indemnification

You agree to defend, indemnify, and hold harmless Palm and Pine Mortgage and its affiliates, employees, and agents from any claims, liabilities, damages, losses, and expenses (including attorneys’ fees) arising out of or related to your use of the Services or violation of these Terms.

10. Termination

We may suspend or terminate your access to the Services at any time, without prior notice or liability, for any reason, including if you violate these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions. Any disputes shall be resolved exclusively in the courts located in [Your Location].

12. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Effective Date.” Your continued use of the Services after changes indicates your acceptance.

13. Contact Us

If you have any questions about these Terms, please contact us at:
Address: 5475 Bethlehem Rd, Fairburn GA 30213