Terms of Service

By accessing or using HomByt, you agree to be bound by these Terms of Service and any applicable laws and regulations. If you do not agree, do not use the platform.

These terms apply to visitors, users, and anyone interacting with HomByt content, tools, forms, and related services.

HomByt is an educational homebuyer platform designed to provide learning content, buyer-readiness tools, prequalification intake, and related guidance.

HomByt is not a lender and does not directly make mortgage loans. Content provided through the platform is for general educational and informational purposes only and is not legal advice, tax advice, investment advice, or personalized financial advice.

Any prequalification estimate, scenario, or response provided through HomByt is preliminary only and based on information supplied by the user.

A prequalification is not a commitment to lend, is not a loan approval, and does not guarantee financing terms, loan availability, or closing eligibility. Final lending decisions are made solely by the applicable licensed lender or financial institution based on full underwriting and verification.

You agree to use HomByt lawfully and responsibly. You are responsible for the accuracy, completeness, and timeliness of information you submit through the platform.

You agree not to misuse the site, attempt unauthorized access, interfere with platform operations, submit false or misleading information, or use the service in a way that could harm HomByt, its partners, or other users.

All content on HomByt, including text, graphics, branding, layout, educational materials, site design, and related materials, is owned by or licensed to HomByt, Western Realty Finance, or their licensors and is protected by applicable intellectual property laws.

You may use the platform for personal, non-commercial purposes only unless expressly authorized otherwise in writing. You may not reproduce, republish, distribute, modify, or create derivative works from HomByt content without permission.

HomByt and Western Realty Finance provide the platform on an "as is" and "as available" basis without warranties of any kind, whether express or implied, to the fullest extent permitted by law.

To the maximum extent permitted by law, HomByt, Western Realty Finance, and their affiliates, officers, employees, contractors, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, opportunities, or business arising out of or related to your use of the platform.

These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to conflict-of-law principles.

Any dispute arising from or relating to HomByt or these terms will be handled in the appropriate courts located in California, unless otherwise required by applicable law.