Terms of Use

1. Acceptance of Terms

By accessing or using the Citizens Lending Group, Inc. website (the “Site”), you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please discontinue use of the Site.

2. Informational Purpose; Not a Loan Commitment

The Site provides general information about reverse mortgages and related loan products. Nothing on the Site is a loan commitment, an offer or agreement to lend, financial or legal advice, or a guarantee of eligibility, rates, or terms. Loan approval, rates, and terms are subject to application, underwriting, counseling (where required), property and credit qualification, and applicable program requirements, and are provided through required disclosures during the application process.

3. Reverse Mortgage Calculator & Tools

Any figures produced by our reverse mortgage calculator or other tools on the Site are estimates for general illustration only, based on the information entered and certain assumptions. They are not an offer, quote, or guarantee, and actual figures may differ. You should rely only on official figures provided in your loan disclosures.

4. Permitted Use

You agree to use the Site only for lawful purposes. You may not misuse the Site, attempt unauthorized access, introduce malware, or interfere with the operation or enjoyment of the Site by others.

5. Intellectual Property

All content on this Site—including text, graphics, logos, and images—is the property of Citizens Lending Group, Inc. or its content providers and is protected by copyright and trademark laws. You may not reproduce, distribute, or modify any part of the Site without prior written permission.

6. User Submissions

If you submit forms, consultation requests, feedback, or messages through this Site, you agree that the information you provide is accurate and does not infringe on any third-party rights. Please do not submit sensitive financial account numbers or Social Security numbers through website forms.

7. Third-Party Links

The Site may contain links to third-party websites, including HUD, counseling agencies, and other resources. We are not responsible for the content, policies, or practices of these third-party sites.

8. Privacy

Your use of this Site is also governed by our Privacy Policy and California Privacy Act Policy, and, for loan-application information, our GLBA Privacy Notice. By using this Site, you consent to those policies.

9. Disclaimer of Warranties

This Site and all content are provided “as is” and “as available.” Citizens Lending Group makes no warranties, express or implied, regarding the Site’s operation or the accuracy of its content, to the fullest extent permitted by law.

10. Limitation of Liability

To the fullest extent permitted by law, Citizens Lending Group shall not be liable for any damages arising out of your access to or use of the Site or its content. Nothing in these Terms limits liability that cannot be limited under applicable law.

11. Licensing

Citizens Lending Group, Inc. is a licensed mortgage lender. Loans made or arranged pursuant to California Real Estate Corporation License Endorsement #01814249 (California Department of Real Estate). NMLS #1109984. Individual loan originator: Jeff Krolosky, NMLS #483675.

12. Changes to Terms

We may update or modify these Terms of Use at any time without prior notice. Your continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.