ZenLoanz

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Terms Of Use

Effective Date: 7/25/2025
 
Website: www.ZenLoanz.com
Company: Par Rate Mortgage, Inc.
Mailing Address: 820 Stanton Rd. #4372, Burlingame, CA 94011
Phone: (415) 828-1128
 
1. Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these Terms, you must not use this site. These Terms apply to all users, including prospective borrowers, partners, and visitors. Additional Terms may apply to specific services or features.
 
2. Who We Are
Par Rate Mortgage, Inc., operating online as ZenLoanz.com, is a California-licensed mortgage brokerage. We help borrowers explore mortgage options by connecting them with licensed lenders. We do not fund, service, or underwrite mortgage loans directly.
 
3. No Financial or Legal Advice
The content provided on this website is for informational purposes only and does not constitute legal, financial, or mortgage advice.
You should not make any financial decisions based solely on information from this site. Always consult with a licensed mortgage professional or legal advisor.
 
4. User Eligibility
You must be at least 18 years old and legally capable of entering a binding contract to use this site. By using our services, you affirm that the information you provide is true, accurate, and complete.
 
5. Use Restrictions
You agree not to:
 
  • Use this site for any unlawful, harmful, or fraudulent purpose
  • Submit false or misleading information in any inquiry form
  • Attempt to gain unauthorized access to the site or its systems
  • Use automated tools (e.g., bots, scrapers) to collect or manipulate data
  • Infringe on any intellectual property rights associated with this site
 
6. Intellectual Property
All content on this website — including text, graphics, logos, icons, and software — is the property of Par Rate Mortgage, Inc. or its licensors and is protected under U.S. copyright and trademark laws. You may not reproduce, distribute, or modify any part of the site without prior written permission.
 
7. Third-Party Links
This site may contain links to third-party websites (such as lender portals). We are not responsible for the content, privacy policies, or business practices of those sites. Accessing any third-party website is done at your own risk.
 
8. Disclaimer of Warranties
This website is provided “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee:
 
  • The accuracy or completeness of any information
  • That the website will be error-free, secure, or uninterrupted
  • That loan options shown are guaranteed or available to all applicants
 
9. Limitation of Liability
To the maximum extent permitted by law, Par Rate Mortgage, Inc. shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of or inability to use this website — including but not limited to:
 
  • Loss of data or profits
  • Business interruption
  • Unauthorized access to your information
 
10. Indemnification
You agree to indemnify and hold harmless Par Rate Mortgage, Inc., its affiliates, officers, agents, and employees from any claims, losses, damages, liabilities, or expenses (including legal fees) arising out of:
 
  • Your violation of these Terms
  • Your misuse of this website or services
  • Your violation of any applicable laws or regulations
 
11. Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. Any legal action related to these Terms must be filed in a court located in San Mateo County, California.
 
12. Changes to Terms
We may update these Terms of Use at any time without prior notice. Any changes will be posted here with a new effective date. Continued use of the site after changes are posted constitutes your acceptance of the revised terms.
 
13. Contact Information
If you have any questions about these Terms or our services, please contact us:
 
  • Email: customerservice@parratemortgage.com
  • Phone: (415) 828-1128
  • Mailing Address:
    • Par Rate Mortgage, Inc. / ZenLoanz.com
    • 820 Stanton Rd. #4372
    • Burlingame, CA 94011