Terms & Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your access to and use of the website and services provided by BK Noble LLC DBA Blair Noble ("we," "us," or "our"). By accessing or using our website or services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access our website or use our services.

No Guarantee of Loan Approval

Information provided on this website is for informational purposes only and does not constitute a commitment to lend or an offer of credit. All loan applications are subject to credit approval, verification of information, and satisfactory appraisal. We make no representations or warranties that any loan application will be approved or that any specific loan terms will be available.

Eligibility

By using our services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You are not prohibited from using our services under applicable law
• All information you provide is accurate, current, and complete
• You will maintain the accuracy of such information

Your Responsibilities

When using our services, you agree to:

• Provide accurate, truthful, and complete information in all submissions
• Promptly update any information that changes
• Not misrepresent your identity, income, assets, or property information
• Respond promptly to requests for additional information or documentation
• Not use our services for any unlawful purpose
• Not attempt to gain unauthorized access to our systems

Providing false or misleading information in a loan application is illegal and may result in criminal prosecution.

Equal Credit Opportunity

We are committed to compliance with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act. All loan decisions are made based on creditworthiness, collateral value, and other legitimate underwriting criteria.

Credit Report Authorization

By submitting a loan application, you authorize us and our lending partners to:

• Obtain credit reports from one or more consumer reporting agencies
• Verify your employment, income, bank accounts, and other financial information
• Share your information with lending partners, investors, and service providers as necessary
• Retain your information in accordance with our Privacy Policy and applicable regulations

Third-Party Relationships

Our services may involve coordination with third parties including lenders, investors, title companies, appraisers, and other service providers. We are not responsible for the actions, products, or content of these third parties. Any transactions you enter into with third parties are solely between you and such third parties.

Fees and Costs

Loan transactions may involve various fees and costs, which will be disclosed to you prior to closing. These may include but are not limited to:

• Origination fees and points
• Appraisal and inspection fees
• Title insurance and closing costs
• Recording fees and taxes
• Third-party vendor fees

You will receive a detailed estimate of costs before you are obligated to proceed with any transaction.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is our property or the property of our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SERVICES.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Indemnification

You agree to indemnify, defend, and hold harmless BK Noble LLC DBA Blair Noble and our officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in San Diego County, California, in accordance with the rules of the American Arbitration Association.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after any modifications indicates your acceptance of the updated Terms.

Contact Information

If you have questions about these Terms and Conditions, please contact us: