Terms of Service

Last Updated: July 3, 2025

1. Introduction

Welcome to Homebuyer.com (the "Site"), operated by Growella Inc. ("we," "us," or "our"). These Terms of Service ("Terms") govern your access and use of the Site and any related services provided by Growella Inc. (collectively, the "Services"). By accessing the Site or using the Services, you agree to be bound by these Terms and our Privacy Policy, which together form the "Agreement." If you do not agree to these Terms, please do not use our Services.

2. Services Provided

Growella Inc. operates an information and lead generation website. The Services enable users to obtain information on mortgage products, compare lenders, and connect with third-party mortgage lenders. We do not provide mortgage lending services, originate loans, or make credit decisions. All mortgage services are provided by third-party lenders who are not affiliated with us.

2.1 Information on the Site

The information provided on the Site is for informational purposes only and does not constitute financial, legal, or professional guidance. Mortgage products, rates, and services may change without notice. Growella Inc. does not guarantee the accuracy or availability of any specific mortgage product or service listed on the Site.

2.2 No Financial Advice

We are not licensed financial advisors, mortgage brokers, or lenders. The information provided on our Site is educational and should not be considered as financial advice. Always consult with qualified professionals before making financial decisions.

3. User Obligations

3.1 Eligibility

To use the Services, you must be at least 18 years old and legally able to enter into a binding contract. You must provide accurate and complete information when using the Services and comply with all applicable laws and regulations.

3.2 Application Process

When connecting with lenders, you agree to provide accurate and truthful information. All loan applications are subject to individual lenders' verification and approval processes, which may include a credit check and income verification.

3.3 Prohibited Activities

You agree not to:

4. Privacy and Security

4.1 Privacy Policy

Your use of the Services is subject to our Privacy Policy. By using the Site, you consent to the collection and use of your information in accordance with the Privacy Policy, including the sharing of information necessary to connect you with lenders.

4.2 Data Protection

Growella Inc. employs security measures to protect your personal information. However, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately if you suspect unauthorized access to your account.

5. Third-Party Services

5.1 Lender Relationships

We connect you with third-party lenders but do not guarantee loan approval. Final approval is subject to full underwriting review by individual lenders, including verification of credit, income, and other required documentation. Individual lenders reserve the right to modify or withdraw loan offers at any time prior to final approval.

5.2 Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access these sites at your own risk.

5.3 Electronic Communication

By using the Site, you agree to receive communications electronically, including disclosures, notices, and updates regarding your interactions with lenders.

6. Intellectual Property

6.1 Ownership

All content on the Site, including text, graphics, logos, images, and software, is the property of Growella Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

7. Disclaimers

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

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GROWELLA INC. WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM THE USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO THE LOSS OF DATA, USE, OR PROFITS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Indemnification

You agree to indemnify and hold harmless Growella Inc., its officers, directors, employees, and agents from and against any claims, damages, losses, and expenses arising from your use of the Services or violation of these Terms.

10. Changes to Services

Growella Inc. reserves the right to modify, suspend, or discontinue any part of the Services at any time, without notice. Continued use of the Services after changes are made constitutes your acceptance of the modified Terms.

11. Termination

You may terminate your account at any time by contacting Growella Inc.. We may suspend or terminate your access to the Services if you breach these Terms or if required by law. Upon termination, your right to use the Services will cease immediately.

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the state of Ohio, without regard to its conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Cincinnati, Ohio.

12.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Growella Inc. regarding the use of the Services.

15. Contact Information

If you have any questions about these Terms, please contact us at:

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Homebuyer.com is not a lender or mortgage broker. We don't provide quotes or credit decisions. We display links to lenders who may offer services.

Homebuyer.com is a mortgage information and comparison website. We are not a mortgage lender or broker and do not originate loans, collect personal information, or make credit decisions.

Homebuyer.com is operated by:
Growella Inc.
1311 Vine St, First Floor
Cincinnati, OH 45202
hello@homebuyer.com

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© 2021-2025 Homebuyer.com. Neither Homebuyer.com nor Growella Inc. is a mortgage lender or broker and neither originates loans nor makes credit decisions. The content on this site is intended for informational purposes only and should not be considered financial or legal advice. Nothing on this website constitutes a loan commitment or interest rate lock agreement. Homebuyer.com does not endorse or control the content, policies, or practices of participating lenders or their external websites. Always ask for a Loan Estimate when evaluating any mortgage loan proposal. This site is not affiliated with any government agency. This website and our services are not available in Connecticut, Illinois, Maryland, Minnesota, Nevada, North Carolina, North Dakota, Oregon, Vermont, or West Virginia. This website is not approved for use in the State of New York. Equal Housing Opportunity.