Agreement to Terms
These Terms and Conditions ("Terms") govern your access to and use of the Itzkhoa Investment website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use our website or services.
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website or services after any such changes constitutes your acceptance of the new Terms.
Use of Our Website
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use our website in any way that violates any applicable federal, state, local, or international law or regulation
- Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
- Transmit any advertising, promotional materials, or spam
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the integrity or performance of our website
- Use any automated system to access our website without our express written permission
Loan Applications and Services
Submitting a loan application through our website does not guarantee approval or the availability of financing. All loan applications are subject to our underwriting process and approval criteria. We reserve the right to deny any application at our sole discretion.
Information provided in loan applications must be accurate, complete, and truthful. Providing false or misleading information may result in denial of your application and may constitute fraud.
Loan terms, including interest rates, fees, repayment schedules, and other conditions, will be specified in separate loan agreements. These Terms do not constitute a loan agreement or commitment to lend.
SMS Terms & Conditions
By providing your mobile phone number and opting in, you agree to receive SMS text messages from Itzkhoa Investment, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at kho@itzkhoa-investment.com. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.
Intellectual Property
The content on our website, including text, graphics, logos, images, and software, is the property of Itzkhoa Investment or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our express written permission.
Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
We make no representations or warranties regarding the accuracy, completeness, or reliability of any information on our website. Any reliance you place on such information is strictly at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Itzkhoa Investment shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid to us, if any, in the six months preceding the claim.
Indemnification
You agree to indemnify, defend, and hold harmless Itzkhoa Investment, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or related to your use of our website, violation of these Terms, or violation of any rights of another.
Privacy
Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.
Third-Party Links
Our website may contain links to third-party websites that are not owned or controlled by Itzkhoa Investment. We are not responsible for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party websites.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms or your use of our website shall be brought exclusively in the federal or state courts located in Santa Clara County, California, and you consent to the jurisdiction of such courts.
Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or agreements published on our website, constitute the entire agreement between you and Itzkhoa Investment regarding your use of our website and supersede all prior agreements and understandings.
Contact Information
If you have any questions about these Terms, please contact us at:
Itzkhoa Investment
3140 De La Cruz Blvd
Santa Clara, CA 95054
Email: kho@itzkhoa-investment.com