Terms of Use

Please read the following Terms and Conditions of Use carefully before using this site. By accessing or using this site, you agree to comply with and be bound by these terms of use. If you do not agree with these terms of use, please do not use this site.

TCPA & Registration Terms:

If you choose to register on our website, you hereby consent to receive autodialed and/or pre-recorded telemarketing calls and/or text messages on the provided number from or on behalf of Pine & Birch, LLC, its participating lenders or affiliates, using an automatic telephone dialing system, an artificial or prerecorded voice or text message, or other numbers related to or affiliated with the company. Standard message and data rates may apply. By providing your cell phone number, you acknowledge that you may receive emails or communications with mortgage-related information. You also certify that the provided number is your actual cell phone number and not that of anyone else. If your cell phone number changes, please provide prompt notice of the new number. If you wish to opt-out of phone calls, text, or emails, please let us know.

Acceptance of Agreement:

By accessing or using this site, you agree to be bound by these Terms and Conditions of Use. This Agreement constitutes the entire and only agreement between us and you and supersedes all prior or contemporaneous agreements, representations, warranties, and understandings with respect to the Site, the content, free product samples or freebie offers, or services provided by or listed on the Site, and the subject matter of this Agreement. We may amend this Agreement at any time and without specific notice to you. The latest Agreement will be posted on the Site, and you should review it prior to using the Site.

Copyright:

The content, organization, graphics, design, and other matters related to the Site are protected under applicable copyrights and other proprietary laws, including but not limited to intellectual property laws. The copying, reproduction, use, modification, or publication by you of any such matters or any part of the Site is strictly prohibited without our express prior written permission.

Deleting and Modification:

We reserve the right, in our sole discretion and without any obligation or notice requirement to you, to edit or delete any documents, information, or other content appearing on the Site, including this Agreement.

Indemnification:

You agree to indemnify, defend, and hold us, our officers, our shareholders, our partners, attorneys, and employees harmless from any and all liability, loss, damages, claim, and expense, including reasonable attorney's fees, related to your violation of this Agreement or use of the Site.

Disclaimer:

The content, services, free product samples, and freebie offers provided through or listed on the site are provided "as is" and "as available," and all warranties, whether express or implied, are disclaimed. This includes but is not limited to any implied warranties of title, non-infringement, merchantability, quality, and fitness for a particular purpose with respect to this site and any website linked to it. The information and services on the site may contain bugs, errors, problems, or other limitations. We have no liability for any damages resulting from your use of any information or service. In particular, we are not liable for any indirect, incidental, or consequential damages (including damages for loss of business, profits, money, litigation, or similar), whether based on breach of contract, breach of warranty, negligence, product liability, or otherwise, even if advised of the possibility of such damages. The negation of damages set forth above is a fundamental element of the basis of the bargain between us and you, the user. This site and the information would not be provided without such limitations. No advice or information obtained by you from us through the site, whether oral or written, creates any warranty, representation, or guarantee not expressly stated in this agreement. The information and all other materials on the site are provided for general information purposes only and do not constitute professional advice. It is your responsibility to evaluate the accuracy and completeness of all information available on this site or any linked website.

Limits:

We disclaim all responsibility or liability for any damages caused by viruses contained within the electronic file containing the form or document. We will not be liable to you for any incidental, special, or consequential damages of any kind that may result from your use of or inability to use the site.

Third-Party Websites:

All rules, terms and conditions, policies (including privacy policies), and operating procedures of third-party linked websites apply to you while you are on those websites. We are not responsible for the content, accuracy, or opinions expressed on such websites, and we do not investigate, monitor, or check those websites for accuracy or completeness. Inclusion of any linked website on our site does not imply our approval or endorsement of that website. This site and the third-party linked websites are independent entities, and neither party has the authority to make any representations or commitments on behalf of the other. If you decide to leave our site and access those third-party linked sites, you do so at your own risk.

Third-Party Products and Services:

Our third party partners may receive your information. They will only receive your information if you select that you wish to receive their services. Then and only then will you receive a call from our affiliates.

Submissions:

Any suggestions, ideas, notes, concepts, blog posts, or other information that you send to us ("Submissions") will be considered our sole property and will not be subject to any obligation of confidentiality on our part. This includes all known and hereafter existing rights of every kind and nature regarding the Submissions. We may use the Submissions for any purpose without compensating the provider of the Submissions.

For Everyone, Especially Our Canadian Friends:

By clicking Register, you understand that Pine & Birch, LLC and/or our affiliates may contact you via phone or text message regarding your inquiry. These communications may involve automated means and pre-recorded/artificial voices. Registration is not a requirement for purchasing any property, goods, or services. Standard message and data rates may apply. You can withdraw your consent at any time by clicking the "unsubscribe" link in the email.

General:

You agree that any actions or proceedings arising directly or indirectly from this agreement or your use of the site, or any sample products, freebie offers, or services obtained through such use, will be litigated in the venue of the courts of the Commonwealth of Virginia, specifically to the courts of Frederick County, Virginia and the District Court for the Western District of Virginia, Harrisonburg Division. You are expressly submitting and consenting in advance to such jurisdiction in any action or proceeding in any such court and are waiving any claim that the courts of the Commonwealth of Virginia are an inconvenient forum or an improper forum based on lack of venue. This site is controlled by Pine & Birch, LLC, in the Commonwealth of Virginia, USA. Therefore, the laws of the Commonwealth of Virginia will govern the terms and conditions contained in this agreement and elsewhere throughout the site, without giving effect to any principles of conflicts of laws.

GDPR Compliance:

This Site is intended solely for individuals residing outside of the territory of the European Union. By accessing and using this Site, you hereby agree and represent that either (i) you are not a resident of the European Union, or (ii) if you are a resident of the European Union, you hereby provide express consent to any personal information that may be collected from you by this Site. This personal information may include your first and last name, email address, phone number, physical address, IP address, and social media accounts and information. No user may cause this Site to collect personal information from any individual residing in the European Union without first obtaining the express consent of such individual.