Terms of Service

Acceptance of Terms

By accessing or using the Close With Ciro website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Ciro Hernandez, operating under Rize Mortgage (NMLS #1604663). We reserve the right to update or modify these Terms at any time without prior notice, and your continued use of the Services following any changes constitutes acceptance of those changes.

Use of Website and Services

The Close With Ciro website provides the following services:

• Mortgage loan origination and consultation
• Home financing solutions for purchase and refinance
• Pre-qualification and pre-approval services
• Loan program guidance and recommendations
• Mortgage calculators and educational resources
• Property financing consulting for residential real estate

You agree to use this website and our Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services in any way that could damage, disable, overburden, or impair the website.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Ciro Hernandez and/or Rize Mortgage and is protected by applicable copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from this website without our prior written consent, except for your personal, non-commercial use.

No Guarantee of Loan Approval

We make no guarantees regarding:

• Mortgage loan approval or specific loan terms
• Specific interest rates or loan programs
• Property value appreciation or investment returns
• Tax benefits or deductions related to real estate or mortgages
• Down payment assistance program eligibility or availability

All financial and real estate decisions should be made in consultation with qualified professionals, including attorneys, accountants, and financial advisors. Pre-qualification does not guarantee final loan approval.

Limitation of Liability

To the maximum extent permitted by law, Ciro Hernandez and Rize Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services.

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any third-party content, goods, or services.

User Obligations

When using our Services, you agree to:

• Provide accurate and truthful information
• Update your information as necessary to maintain accuracy
• Not misrepresent your financial situation or eligibility
• Comply with all applicable laws and regulations
• Not use the Services for fraudulent or illegal purposes
• Maintain the confidentiality of your account credentials

SMS Communications

We may offer SMS notifications for loan updates, document requests, and promotional offers. Opting in to receive SMS messages is completely optional and not a condition of service.

For detailed information about our SMS program, please review our SMS Policy & 10DLC Compliance page.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

All mortgage activities are subject to federal and state regulations including RESPA (Real Estate Settlement Procedures Act), TILA (Truth in Lending Act), and applicable state licensing requirements.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the Services after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated by reference into these Terms.