Welcome to Capital Financial Group, Inc. These Terms of Use (“Terms”) govern your use of our website, cfghomeloans.com and its subdomains, and integrated applications, and platforms (the “Website”) that provide mortgage and real estate services, including home search tools, mortgage services, and additional resources (collectively, the “Services”). “CFG” in these Terms means Capital Financial Group, Inc. and its operating subsidiaries. By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Website.
Capital Financial Group, Inc. can help you to manage the journey to homeownership through the various Services that its affiliated businesses each provide. Capital Financial Group, Inc. businesses and affiliated business relationship notices We operate the following affiliated businesses, and any use of any of the Services provided by these affiliated businesses is subject to these Terms. This is notice of the business relationships among the following affiliated businesses: The Mortgage Expert and Capital Financial Group, Inc. These are affiliated companies, and each may refer you to the Services of another. Because of these relationships, a referral may provide the referred company, its direct or indirect parent, and their respective employees with a financial or other benefit. Capital Financial Group, Inc. owns and operates the Website, provides Services, and promotes Capital Financial Group, Inc.’s homeownership-related businesses and Services. Services offered by each of these businesses may be subject to additional terms available on their respective subdomains, websites, networks, mobile applications, or otherwise.
Forward Settlement Solutions, Inc., a separate operating subsidiary company of Redfin Corporation and doing business as Title Forward, is a licensed title insurance agent and provides title and settlement services. Forward Settlement Solutions, Inc., also manages the following subsidiaries that provide title and settlement services in their respective states:; Title Forward of California Inc. (a California underwritten title company) in California.Forward Settlement Solutions, Inc., and its subsidiaries are not a law firm and at no time provide legal advice. You should consult an attorney licensed in your state should you seek legal advice.
CFG Close. is a licensed title insurance agent and provides title, settlement, and other services. CFG Close, also manages the following subsidiaries that provide title and settlement services in their respective states: CFG Close California, in California; CFG Close Florida, in Florida; and CFG Close Utah, in Utah. CFG Close and the above describe subsidiaries may provide title and settlement services to the above-described affiliates and is also an affiliate of CFG Title Insurance Company. CFG Close, and its subsidiaries may issue title insurance policies underwritten by CFG Title Insurance. CFG Title Insurance Company is a separate entity from CFG Close, and its subsidiaries and is managed by its own management and governance structure and is the party responsible for coverages defined in any title insurance policy in which it underwrites. CFG Close, and its subsidiaries are not a law firm and at no time provide legal advice. You should consult an attorney licensed in your state should you seek legal advice.
This is notice of the business relationships among the following affiliated entities: CFG Close (and its subsidiaries); CFG Title Insurance Company; and The Mortgage Expert. Capital Financial Group, Inc. and the above companies are owned by Capital Financial Group, Inc. Because of these relationships, this referral may provide Capital Financial Group, Inc. a financial or other benefit.
CFG Close (and its subsidiaries CFG Close and Title, Inc.; CFG Close California; CFG Close Florida; and CFG Close Utah; (the "Agent") provides title insurance as a title agency as well as settlement services, tax certificates, and appraisal management services. The Agent is an appointed agent of CFG Title Insurance Company (the "Insurer") and other national title insurers. The Insurer stands behind title insurance policies that protect against losses as described in the title insurance policies that are issued. These losses may include losses due to certain title defects or loss of priority of the mortgage, including the invalidity and/or unenforceability of the mortgage. Capital Financial Group, Inc. provides residential real estate brokerage services to clients of The Mortgage Expert, CFG Close, and CFG Title Insurance Company. Because of these relationships, any referrals of you by any of these affiliates may provide the referred company with a financial benefit or other benefit, which also includes its direct or indirect parent company and their respective employees.
By accessing or using the Website, you accept and agree to these Terms and any additional policies referenced herein, including our Privacy Policy. Your continued use of the Website following any changes to these Terms signifies your acceptance of the updated Terms.
This Website is intended for use by individuals who are at least 18 years old and reside in the United States or its territories. By using the Website, you represent and warrant that you meet these eligibility requirements.
cfghomeloans.com provides access to integrated mortgage and real estate Services, including home search tools, mortgage information, and additional resources. The Website facilitates access to these Services but does not provide specific financial, real estate, or legal advice, and reliance on any information provided is at your own risk.
We may revise and update these Terms from time to time in our sole discretion. Any changes are effective immediately upon posting. We encourage you to review the Terms periodically to stay informed of any updates.
To access certain features, you may be required to create an account. By registering, you agree to provide accurate and current information and to update it as necessary. The information that you use to create a CFG Account on one of our websites are the credentials you will use to authenticate with our network. You are responsible for maintaining the confidentiality of your account and any associated credentials. Notify us immediately of any unauthorized access or suspected security breach. CFG is not liable for any loss or damage resulting from unauthorized access to your account.
You are granted a limited, non-exclusive, revocable, non-transferable license to access and use the Website and its content for personal, non-commercial purposes only. This license does not include any resale, distribution, public display, or other commercial uses of any content on the Website without CFG’s prior written consent.
You agree not to use the Website in any manner that:
The contents of this Site and Services, including their “look and feel” (meaning the content, trademarks, logos, text, graphics, images, button icons, software, editorial content, notices, and other materials on the Website) are the property of Capital Financial Group, Inc. or its licensors, including its software or content suppliers, and are protected by copyright, trademark, patent, and other intellectual property laws. You may not use, copy, reproduce, modify, create derivative works from, or publicly display any part of the Website without express written permission.
Third-party trademarks, service marks, graphics, and logos used in connection with the Services are the intellectual property of their respective owners and are used for identification purposes only. Use of these names, trademarks, and logos does not imply a relationship with Capital Financial Group, Inc.
"REALTOR®," "REALTORS®," "REALTOR-ASSOCIATE®," the "REALTOR®" logo, and the block "R" logo are used on the Website to denote membership in the "National Association of REALTORS®" and, as such, providers of real estate related services consistent with a strict code of ethics and the highest standards of professionalism.
Capital Financial Group, Inc. grants you the right to view and use the Services subject to these terms. You may download or print a copy of information for the Services for your personal, internal, and non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from the Services, in whole or in part for any other purpose, is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Site or the Services or content in a manner that violates any applicable law, regulation, or this Agreement.
Feedback. If you provide any ideas, suggestions, or feedback related to Capital Financial Group’s services or materials (“Feedback”), you agree that Capital Financial Group, Inc. and its affiliates may use that Feedback freely and for any purpose, without any obligation to you, including any intellectual property rights in the Feedback.
Materials License. You grant Capital Financial Group, Inc. and its affiliates, agents, and licensees (“Authorized Persons”) a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, adapt, publish, display, distribute, and create derivative works from:
This license allows use in any format or media, now known or later developed, for purposes such as marketing, advertising, or promotional materials. You confirm that you have all necessary rights to grant this license.
Release. To the fullest extent allowed by law, you waive all claims against the Authorized Persons related to their use of Your Materials or Likeness. This includes claims for copyright or trademark infringement, invasion of privacy, defamation, or emotional distress, even if caused in part by negligence. You also waive any right to stop or limit use of Your Materials or Likeness, including through injunctive or equitable relief.
The Website may allow you to post comments, content, or other materials (collectively, “User Contributions”). By posting any User Contributions, you grant Capital Financial Group, Inc. a perpetual, non-exclusive, royalty-free, worldwide license to use, modify, reproduce, display, distribute, and otherwise exploit your User Contributions in connection with the Website.
You represent and warrant that:
The Website may contain links to third-party websites or integrate third-party services. Capital Financial Group, Inc. does not control, endorse, or assume any responsibility for the content, services, or privacy practices of any third-party websites or services. Any interactions or transactions with third-party services are at your own risk, and you should review applicable terms and policies before engaging with them. Capital Financial Group, Inc. disclaims liability for any damages arising from third-party interactions.
By accessing or using any mobile application (the "App") associated with our Services, you acknowledge and agree to the following:
THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITAL FINANCIAL GROUP, INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Capital Financial Group, Inc. makes no warranty that the Website or Services will meet your requirements or that access will be uninterrupted, secure, or error-free. Any reliance on information provided through the Website is at your own risk.
TO THE EXTENT PERMITTED BY LAW, CAPITAL FINANCIAL GROUP, INC. AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
1. YOUR ACCESS TO OR USE OF THE WEBSITE
2. ANY CONTENT OBTAINED FROM THE WEBSITE
3. UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA
4. STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE
5. ANY OTHER MATTER RELATING TO THE WEBSITE
IN NO EVENT WILL CAPITAL FINANCIAL GROUP’S AGGREGATE LIABILITY EXCEED THE GREATER OF THE AMOUNT YOU PAID TO USE THE WEBSITE OR $100.
You agree to indemnify, defend, and hold harmless Capital Financial Group, Inc., its affiliates, officers, directors, employees, agents, and licensors from any claims, liabilities, damages, judgments, losses, costs, or expenses (including attorneys’ fees) arising from your use of the Website, violation of these Terms, or your User Contributions.
You understand and agree to resolve through final and binding arbitration any claims, disputes, or controversies related to the Telephone Consumer Protection Act of 1991 (“TCPA”) or any similar state laws, between you and Capital Financial Group, Inc., its parents, affiliates, subsidiaries, or related entities. TCPA-related claims will be arbitrated at a location determined by the arbitrator in accordance with the Governing Law provision. The arbitrator, not a court, will determine the scope of this arbitration provision.
Any judgment on an arbitration award may be entered in any court of competent jurisdiction. This arbitration agreement is governed by the Federal Arbitration Act (“FAA”), with the laws of the State of Michigan governing the enforceability of this provision as a contract. TCPA claims must be brought individually; neither you nor Capital Financial Group, Inc. may join or consolidate claims in arbitration, act as a class representative, or participate as a member of a class. Both parties waive any right to a jury trial for TCPA-related claims.
All other claims arising under these Terms or from use of the Website shall be resolved exclusively in the state or federal courts located in Detroit, Michigan, and you consent to the jurisdiction of these courts for such purposes.
These Terms and any disputes arising from your use of the Website shall be governed by the laws of the State of Michigan, without regard to its conflict of law principles.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Capital Financial Group, Inc. concerning your use of the Website, superseding any prior agreements or understandings.
If you have questions or concerns about these Terms, please contact us at:
Capital Financial Group, Inc.
Attn: Legal Team
810 Shepard Ln. Ste.
Farmington, UT 84025
NMLS #3146
In addition to the preceding Terms, the following additional terms, which are incorporated into the Terms by reference, are applicable to the Capital Financial Group, Inc. portions of the Website.
You are authorized to use the Services only for residential real estate transactions, and not for commercial real estate transactions of any kind. Capital Financial Group, Inc. has a real estate broker license in certain states (Licenses) and may assist you in performing the various tasks in a real estate transaction. However, unless explicitly specified in a separate agency agreement between you and Capital Financial Group, Inc., THE SERVICES PROVIDED ARE NOT INTENDED TO provide you with any financial, real estate, or related advice of any kind. Capital Financial Group, Inc., unless provided for in a separate agreement, assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that you or any consumer takes based on the Services or any other information available through or in connection with the Services.
Information aggregation: Capital Financial Group, Inc. is not responsible for any errors in displayed information or delays in displaying information. Issues of data accuracy may be brought to the attention of Capital Financial Group, Inc. by sending feedback, but it is likely that such information accuracy cannot be corrected by Capital Financial Group, Inc. and the entity or person that generated the information must be appealed to. For example: Incorrect listing information can only be changed by the third-party listing agent under our terms with the Multiple Listing Services (“MLS”).
The Days on Site value, displayed as "added X days ago" or "added to Capital Financial Group, Inc. X days ago" is derived from the date the listing was first displayed on the Site, not from the data in the MLS listing.
The term Virtual Office Website ("VOW") refers to the Capital Financial Group, Inc., as a REALTOR® Participant, home search website, through which Capital Financial Group, Inc. provides real estate brokerage services to Registrants (clients and prospects) with whom Capital Financial Group, Inc. has first established a relationship and where the Registrant has the opportunity to search for MLS data, subject to the Participant's oversight, supervision, and accountability.
Capital Financial Group, Inc. does not guarantee or warrant the products or services of other product or service providers to whom it may refer you, including, but not limited to, real estate brokers/agents, lenders, and escrow/settlement companies.
The "Estimated Home Value" reports are provided "as is" and all uses are at the user’s sole risk. All warranties concerning the values and all underlying data are expressly excluded. The Estimated Home Value provides an estimated market value generated by proprietary models. The Estimated Home Value is not an appraisal and is not prepared by a certified or licensed appraiser or a licensed real estate agent. Each home’s estimated value can vary depending on its location, current market conditions, data availability in a given area, and other factors. Obtaining a professional appraisal or requesting a Comparative Market Analysis from a real estate agent is recommended. THESE VALUES SHOULD NOT BE RELIED UPON AS A VALUE FOR MORTGAGE LOAN ORIGINATION, HOME SALE, GUARANTEED STATEMENT OF VALUE, APPRAISAL VALUE, OR ANY OTHER FINANCIAL PURPOSES.
Capital Financial Group, Inc. fully supports the Fair Housing Act (Title VIII of the Civil Rights Act of 1968, as amended). As such, Capital Financial Group, Inc. does not engage in business practices that discriminate against persons because of race, color, religion, national origin, sex, familial status, or handicap.
Capital Financial Group, Inc. is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the United States. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.