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Terms of Use

ABCLower.com's Terms of Use Page

Effective Date: Nov 25, 2025
Website: www.abclower.com
Entity: ABC GRAND INC, doing business as ABCLower.com (“Company,” “ABCLower,” “we,” “our,” or “us”)

Welcome to ABCLower.com. These Terms of Use (“Terms”) govern your access to and use of our website, www.abclower.com (the “Website”), and any related services, tools, forms, or resources provided by us (collectively, the “Services”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference. If you do not agree, you may not use the Website.

We may update these Terms at any time. Updates are effective immediately upon posting. Continued use of the Website constitutes acceptance of the revised Terms.

1. ABOUT OUR SERVICES

ABCLower.com provides information relating to mortgage lending, refinancing, loan options, and financial services. We are a licensed mortgage banker and comply with applicable state and federal regulations.

Licensing Information:

  • NMLS: 2265958

  • Arizona Mortgage Banker License: BK-2007391

  • California – DFPI Financing Law License: 60DBO-52859

  • Oregon Mortgage Lending License: 2265958

You acknowledge and agree that:

  • ABCLower.com provides educational information and facilitates connections between consumers and our licensed mortgage professionals.

  • The Website does not guarantee loan approval, qualification, interest rates, terms, or conditions.

  • Any loan determinations are made only after a full application, verification, and review by our licensed staff.

You understand that financial decisions should not be based solely on website content and that all services are subject to applicable lending regulations.

2. ELIGIBILITY

To use this Website, you must:

  • Be at least 18 years old,

  • Reside in a U.S. state where we are licensed to operate,

  • Have the legal capacity to enter a binding agreement.

If you do not meet these requirements, do not use the Website.

3. SUBMITTING INFORMATION

To access certain features, including submitting loan inquiries, you may be required to provide personal information. You agree that:

  • All information you submit is accurate and truthful.

  • Your submission authorizes ABCLower to contact you using the information you provided.

  • Your data will be handled according to our Privacy Policy.

By submitting your contact information, you consent to receive communications from us via email, phone, SMS/text, or automated dialing systems. Message and data rates may apply. You may opt out at any time by emailing info@abclower.com.

4. PERSONAL USE ONLY

You may use this Website solely for:

  • Personal,

  • Non-commercial purposes.

You may not:

  • Copy, resell, distribute, or exploit Website content,

  • Use automated tools (scrapers, bots, crawlers),

  • Reverse-engineer any aspect of the Website.

5. INTELLECTUAL PROPERTY

All content on this Website—including text, graphics, logos, icons, designs, and layout—is owned by ABCLower.com or our licensors and is protected under applicable copyright, trademark, and intellectual property laws.

You may not:

  • Modify or reproduce any Website content,

  • Use our trademarks or branding without permission,

  • Create derivative works based on our content.

All rights are reserved.

6. USER CONTRIBUTIONS

If the Website permits user submissions (comments, forms, uploads), you acknowledge:

  • Anything you submit is non-confidential.

  • You grant us a perpetual, royalty-free license to use your submission.

  • You are solely responsible for any materials you submit.

User submissions may not violate the law or these Terms.

7. PROHIBITED USES

You may not use the Website to:

  • Violate any federal, state, or local laws;

  • Upload unlawful, obscene, defamatory, or fraudulent content;

  • Attempt unauthorized access to systems, servers, or data;

  • Interfere with Website functionality;

  • Upload viruses or malicious code;

  • Impersonate another person or entity.

We may terminate access for violations.

8. MONITORING & ENFORCEMENT

We may:

  • Remove or refuse to post any user content;

  • Suspend or terminate Website access;

  • Cooperate with law enforcement requests;

  • Take legal action against unlawful use.

We do not guarantee that objectionable content will be removed quickly or completely.

9. THIRD-PARTY LINKS

The Website may contain links to third-party sites. These are provided for convenience only. We do not control or endorse any third-party content and are not responsible for any damages arising from their use.

10. INFORMATIONAL PURPOSES ONLY

Content provided on this Website is for general informational purposes. We do not warrant:

  • The accuracy, completeness, or timeliness of any information;

  • That information constitutes financial, legal, or professional advice.

Your use of the Website is at your own risk.

11. DISCLAIMER OF WARRANTIES

THE WEBSITE AND ALL SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.
WE DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee:

  • The Website will be uninterrupted or error-free,

  • Defects will be corrected,

  • The Website is free of viruses or harmful components.

Some states do not permit certain disclaimers; provisions may not apply to you.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ABCLower.com AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF DATA, PROFITS, OR GOODWILL.

IF LIABILITY IS EVER FOUND, IT IS LIMITED TO $50.00 USD.

13. INDEMNIFICATION

You agree to indemnify and hold harmless ABCLower.com, its affiliates, employees, and agents from any claims, damages, or losses arising from:

  • Your use of the Website,

  • Violation of these Terms,

  • Submission of false or misleading information.

14. GOVERNING LAW

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

All disputes shall be resolved exclusively in state or federal courts located in Maricopa County, Arizona, and you consent to this jurisdiction.

15. CLASS ACTION WAIVER

You agree that disputes will only be brought individually, not as part of a class action.

16. SEVERABILITY

If any provision of these Terms is deemed invalid, the remaining provisions will continue in full force.

17. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the complete agreement between you and ABCLower.com regarding Website use.

18. CONTACT INFORMATION

ABCLower.com / ABC GRAND INC
Email: info@abclower.com
Phone: 800-240-0270


Last Updated: Nov 25, 2025

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