Terms and Conditions
Effective Date: November 11, 2025
Agreement Between User and AAAZOM.com
Welcome to AAAZOM.com, operated by AAAZOM LLC dba AAAZOM Mortgage (“AAAZOM Mortgage,” “we,” “us,” or “our”).
AAAZOM.com is offered to you conditioned upon your acceptance of these Terms & Conditions (“Terms”) without modification. By using this Site, you agree to these Terms.
Please review them carefully.
Description of Services
AAAZOM.com is a residential mortgage information and brokerage website designed to:
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Provide general home loan education
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Offer information about AAAZOM Mortgage products
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Allow users to submit mortgage inquiries
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Connect users with our mortgage professionals
AAAZOM Mortgage is a mortgage broker, not a direct lender.
Privacy Policy
Your use of this Site is governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review it carefully.
Electronic Communications
By visiting AAAZOM.com or communicating with us electronically (email, forms, SMS), you consent to receive electronic communications from AAAZOM Mortgage.
All notices, agreements, and disclosures provided electronically satisfy any legal requirement that such communications be in writing.
Children Under Thirteen
AAAZOM Mortgage does not knowingly collect information from children under 13.
If you are under 18, you may use the Site only with permission and supervision of a parent or guardian.
Links to Third-Party Sites
The Site may contain links to third-party websites. AAAZOM Mortgage:
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Has no control over third-party content
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Is not responsible for the accuracy, safety, or legality of external sites
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Does not endorse third-party services
You access such sites at your own risk.
Third-Party Service Providers
Some services offered through AAAZOM.com may be delivered by trusted third-party partners (credit services, verification providers, communication platforms).
By using the Site, you consent to the sharing of necessary information with those providers solely to deliver the requested service.
Text message opt-in data is never shared with third parties.
No Unlawful or Prohibited Use
You agree not to use the Site for any unlawful or prohibited purpose, including but not limited to:
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Attempting unauthorized access to systems
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Interfering with site functionality
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Submitting fraudulent or misleading mortgage information
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Scraping, copying, or reverse engineering content
Your license to use the Site is non-exclusive, non-transferable, and revocable.
Intellectual Property Rights
All website content—including logos, graphics, text, images, and software—is the property of AAAZOM Mortgage or its licensors and is protected by copyright and intellectual property laws.
You may not:
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Reproduce
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Distribute
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Modify
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Sell
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Create derivative works
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Reverse engineer
Any protected content without written approval from AAAZOM Mortgage.
International Users
If you access the Site from outside the United States, you are responsible for complying with local laws.
Use of the Site in jurisdictions where such use is prohibited is not permitted.
Indemnification
You agree to indemnify and hold AAAZOM Mortgage harmless from any claims, losses, liabilities, costs, or attorney’s fees arising from:
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Your use or misuse of the Site
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Submission of false information
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Violation of these Terms
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Infringement of third-party rights
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Violation of applicable laws
AAAZOM Mortgage reserves the right to assume defense of any matter subject to indemnification.
Arbitration Agreement
Any dispute arising from these Terms shall be resolved by binding arbitration under the Federal Arbitration Act, administered by the American Arbitration Association (“AAA”).
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Arbitration will be conducted by one neutral arbitrator
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No class actions allowed
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Each party covers its own legal fees unless laws require otherwise
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The arbitrator has exclusive authority to resolve disputes
This clause survives termination of these Terms.
Class Action Waiver
You agree to resolve disputes individually, and you waive any right to participate in a:
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Class action
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Collective action
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Representative action
Unless both parties agree otherwise in writing.
Liability Disclaimer
The Site is provided “as is” and “as available.”
AAAZOM Mortgage makes no warranties regarding:
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Accuracy
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Reliability
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Suitability
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Availability
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Fitness for a particular purpose
To the maximum extent permitted by law, AAAZOM Mortgage is not liable for:
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Direct, indirect, or consequential damages
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Loss of data, profits, or use
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Errors, delays, or interruptions
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Actions taken based on site information
If you are dissatisfied with the Site, your sole remedy is to stop using it.
Mortgage Disclosure
Submitting a mortgage inquiry does not:
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Create a lender–borrower relationship
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Guarantee approval
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Lock a rate
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Guarantee program eligibility
All loans are subject to:
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Credit evaluation
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Lender underwriting
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Verification of income, assets, and property
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Wholesale lender approval
Rates and guidelines are subject to change without notice.
Termination of Access
AAAZOM Mortgage may terminate your access to the Site at any time, without notice, for any reason.
Governing Law
These Terms are governed by:
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The laws of the State of California
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The laws of the State of Texas (where applicable)
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Applicable federal mortgage laws (RESPA, TILA, GLBA, SAFE Act)
You consent to jurisdiction in California courts for enforcement actions.
Review & Rating Policy
We may display only 4- and 5-star reviews to highlight consistently positive feedback.
Reviews may be curated, verified, or moderated to maintain quality and accuracy.
We encourage users to conduct independent research and rely on multiple sources when evaluating services.
Changes to Terms
AAAZOM Mortgage may update these Terms at any time. Updates become effective when posted. Continued use of the Site constitutes acceptance of updated Terms.
Contact Information
AAAZOM Mortgage
AAAZOM LLC
265 E River Park Circle, Suite 110
Fresno, CA 93720
United States
Email: a@aaazom.com
Phone: (559) 500-5999