Terms of Service

By accessing or using this Website, you accept and agree to these Terms and any additional policies referenced herein, including our Privacy Policy. Your continued use of the Website following any changes to these Terms signifies your acceptance of the updated Terms.

If you do not agree to all of the terms, please immediately discontinue accessing this Website.

This Website is intended for use by individuals who are at least 18 years old and reside in the United States or its territories. By using the Website, you represent and warrant that you meet these eligibility requirements.

Huklberry Loans is a mortgage lead generation website operated by Golden Empire Mortgage, Inc., NMLS #2427. The Website facilitates the connection between consumers seeking mortgage-related services and licensed loan officers at GEM.

The Website provides access to mortgage information, educational resources, calculators, and lead capture forms. The Website does not itself provide specific financial, real estate, or legal advice. Reliance on any information provided through the Website is at your own risk.

Eligibility for products and services is subject to final determination, restrictions, and acceptance by GEM. We may discontinue or change information, products, or services at any time without obligation to update previously published information.

All loans are subject to credit approval, verification of income and assets, and property appraisal. Programs, rates, terms, and conditions are subject to change without notice. This Website does not constitute a solicitation to lend in any jurisdiction where such solicitation is prohibited by law.

We may revise and update these Terms from time to time in our sole discretion, including establishing, increasing, or decreasing fees and charges for products and services and changing the features and functionality of the Website. Any changes are effective immediately upon posting. We will notify you electronically of any material changes as required by applicable law. Your continued use of the Website after the effective date of any change shall constitute your agreement to be bound by the updated Terms.

To access certain features of the Website, you may be required to create an account. By registering, you agree to provide accurate and current information and to update it as necessary.

You are responsible for maintaining the confidentiality of your account and any associated credentials. Notify us immediately of any unauthorized access or suspected security breach at (408) 838-9060. We are not liable for any loss or damage resulting from unauthorized access to your account.

By providing us with your employment information, you are providing written consent permitting us and/or Golden Empire Mortgage, Inc. to contact third parties as necessary to verify your income and employment.

You are granted a limited, non-exclusive, revocable, non-transferable license to access and use the Website and its content for personal, non-commercial purposes only. This license does not include any resale, distribution, public display, or other commercial uses of any content on the Website without our prior written consent.

You may download or print a copy of information from the Website for your personal, internal, and non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from the Website, in whole or in part for any other purpose, is expressly prohibited without our prior written consent.

You agree not to use the Website in any manner that:

• Violates any applicable federal, state, or local laws or regulations
• Engages in fraudulent or deceptive practices
• Provides false or misleading information
• Promotes or enables any unlawful activity, including unauthorized access or hacking
• Involves automated means, including bots, spiders, or scraping, to collect information or interfere with the Website without prior written permission
• Transmits any unsolicited advertising or promotional material, including spam
• Distributes viruses, malware, or any harmful code
• Impersonates any individual or entity or falsely represents an affiliation
• Interferes with the Website's security features or imposes an unreasonable load on our infrastructure
• Attempts to gain unauthorized access to our systems
• Posts unlawful, threatening, libelous, defamatory, obscene, or otherwise objectionable material

The contents of this Website, including its "look and feel" (meaning the content, trademarks, logos, text, graphics, images, button icons, software, editorial content, notices, and other materials) are the property of Golden Empire Mortgage, Inc. or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws. You may not use, copy, reproduce, modify, create derivative works from, or publicly display any part of the Website without express written permission.

Third-party trademarks, service marks, graphics, and logos used in connection with the Services are the intellectual property of their respective owners and are used for identification purposes only.

The Website may contain links to third-party websites or integrate third-party services. We do not control, endorse, or assume any responsibility for the content, services, or privacy practices of any third-party websites or services. Links are provided for convenience only and do not imply endorsement, authorization, or sponsorship.

Any interactions or transactions with third-party services are at your own risk. We disclaim liability for any damages arising from third-party interactions. We reserve the right to terminate any link at any time.

By accessing or using any mobile application associated with our Services, you acknowledge and agree to the following:

• Device Compatibility: You are responsible for ensuring your mobile device is compatible. We do not guarantee the application will operate as intended on your device.
• Data Usage: Use of any application may require mobile data, and you may incur charges from your wireless provider.
• Updates: We may release updates to improve functionality or address technical issues. You consent to receive and install these updates as necessary.
• Third-Party Software: Applications may include third-party software subject to open-source licenses.

You agree to indemnify, defend, and hold harmless Golden Empire Mortgage, Inc., its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, judgments, losses, costs, or expenses (including attorneys' fees and costs) arising from or in connection with:

• Your use of the Website in violation of these Terms
• Your violation of any applicable law
• Your User Contributions
• Any claim by a third party arising out of your use of the Website

You agree to cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

These Terms and any disputes arising from your use of the Website shall be governed by the laws of the State of California, without regard to its conflict of law principles.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Golden Empire Mortgage, Inc. concerning your use of the Website, superseding any prior agreements or understandings.