Last Updated: January 2025

1. INTRODUCTION AND ACCEPTANCE OF TERMS

Welcome to Find Me A Home, a part of Crestline REI LLC. These Terms and Conditions ("Terms") govern your access to and use of our website, services, and real estate programs.

By accessing our website, submitting an application, or participating in any of our homeownership programs, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our services or participate in our programs.

Find Me A Home provides alternative homeownership solutions including seller-financed mortgages and lease-to-own programs. We are not a bank or traditional mortgage lender. We connect qualified buyers with property sellers who offer alternative financing arrangements.

These Terms apply to all users, applicants, and program participants.

2. DESCRIPTION OF SERVICES

Find Me A Home provides the following services:

- Connecting buyers with properties available through seller financing arrangements
- Facilitating lease-to-own agreements between buyers and property sellers
- Providing information and resources about alternative homeownership pathways
- Offering guidance on credit improvement strategies
- Assisting with documentation and qualification processes based on income verification

Our services focus on helping families with stable income but credit challenges access homeownership through non-traditional financing methods.

We do not provide traditional mortgage lending services. We are not a bank, credit union, or licensed mortgage lender. All financing arrangements are made directly between buyers and property sellers, with Find Me A Home acting as a facilitator and advisor.

Access to specific properties and programs requires completion of our qualification process.

3. USER ACCOUNTS AND REGISTRATION

To access our services and apply for homeownership programs, you must:

- Be at least 18 years of age
- Provide accurate and complete information during registration
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized access to your account

You are responsible for all activities that occur under your account. You agree to provide truthful information about your income, employment, financial situation, and housing needs.

False or misleading information may result in immediate termination of services and disqualification from our programs.

If you create an account on our website, you must keep your login information secure and not share it with others.

4. PAYMENT TERMS AND BILLING

Payment terms vary depending on the specific property and financing arrangement you enter into. General payment principles include:

Initial Payments: Most programs require an upfront payment, which may include option fees, down payments, or initial deposits. The specific amount will be disclosed in your individual agreement.

Monthly Payments: Lease-to-own and seller-financed arrangements typically involve monthly payments. Payment amounts, due dates, and methods will be specified in your property-specific agreement.

Payment Methods: We accept payments through bank transfer, certified check, money order, and other methods as specified in your agreement. Payment processing fees may apply depending on the method chosen.

Late Payments: Late payments may result in fees, penalties, or default under your specific property agreement. Late payment terms will be detailed in your individual contract.

Taxes and Insurance: You may be responsible for property taxes, homeowner's insurance, and other property-related costs. Your specific obligations will be outlined in your agreement.

All payment terms are subject to the individual agreement you sign for your specific property. These general terms do not replace or supersede the payment terms in your property-specific contract.

5. REFUND AND CANCELLATION POLICY

Refund eligibility depends on the stage of your engagement with Find Me A Home:

Application Stage: If you have only submitted an application or inquiry and have not entered into a property-specific agreement, you may cancel at any time without obligation.

After Agreement Execution: Once you have signed a lease-to-own agreement or seller-financing contract for a specific property, refund and cancellation terms are governed by that individual contract. These terms vary by property and seller.

Option Fees and Deposits: Option fees and deposits paid to secure a property are typically non-refundable once the agreement is executed. This will be clearly stated in your property-specific contract.

Consultation or Service Fees: Any fees paid for consultation, application processing, or advisory services are non-refundable once services have been rendered.

Early Termination: If you choose to terminate a lease-to-own or seller-financed arrangement early, you may forfeit certain payments, equity credits, or deposits as specified in your individual agreement.

Because each property arrangement is unique, you must carefully review the cancellation and refund terms in your specific contract before signing.

We recommend consulting with a real estate attorney before entering into any agreement.

6. USER CONDUCT AND PROHIBITED ACTIVITIES

When using our services, you agree to:

- Provide accurate and truthful information at all times
- Treat all properties with respect during viewings and occupancy
- Make timely payments as required by your agreements
- Maintain properties in good condition if you occupy them
- Comply with all applicable laws and regulations
- Communicate professionally with our team and property sellers

You may not:

- Provide false information about your income, employment, or financial situation
- Use our services for any illegal purpose
- Attempt to circumvent our qualification processes
- Damage or neglect any property you view or occupy
- Harass or threaten our staff, property sellers, or other users
- Attempt to access systems or data without authorization
- Resell or assign your rights under any agreement without written permission
- Use our services to commit fraud or misrepresentation

Violation of these conduct rules may result in immediate termination of services, eviction from properties, legal action, and forfeiture of payments made.

7. INTELLECTUAL PROPERTY RIGHTS

All content on the Find Me A Home website and in our materials, including text, graphics, logos, images, videos, and software, is owned by Find Me A Home or our licensors. This content is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our website and materials for personal, non-commercial purposes related to exploring homeownership options.

You may not:

- Copy, reproduce, or distribute our content without written permission
- Modify or create derivative works from our materials
- Use our trademarks, logos, or branding without authorization
- Remove copyright or proprietary notices from any content
- Use our content for commercial purposes

Property listings, photos, and descriptions are provided by property sellers and may be subject to separate intellectual property rights.

If you provide feedback, suggestions, or testimonials to us, you grant us a perpetual, royalty-free license to use that content in our marketing and promotional materials.

8. DISCLAIMER OF WARRANTIES

FIND ME A HOME PROVIDES SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not guarantee:

- That you will qualify for any specific property or program
- That you will successfully achieve homeownership through our services
- That your credit score will improve by any specific amount
- That property values will remain stable or increase
- That you will be able to refinance into traditional financing in the future
- That our website will be error-free or uninterrupted
- The accuracy or completeness of property listings or information

We are not responsible for the condition, value, or legal status of any property. You are responsible for conducting your own inspections, appraisals, and due diligence before entering into any property agreement.

We are not financial advisors, credit counselors, or licensed real estate agents in all jurisdictions. Any guidance we provide is educational and informational only, not professional advice.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Some jurisdictions do not allow disclaimer of implied warranties, so portions of this disclaimer may not apply to you.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIND ME A HOME SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES.

This includes, but is not limited to:

- Loss of profits or income
- Loss of equity or property value
- Damage to credit score or financial standing
- Emotional distress or disappointment
- Costs of alternative housing
- Legal fees or costs

Our total liability to you for any claims arising from our services shall not exceed the total amount you paid to Find Me A Home in the 12 months preceding the claim.

We are not liable for:

- Actions or omissions of property sellers
- Defects, damage, or issues with any property
- Your inability to qualify for refinancing
- Changes in market conditions or property values
- Your failure to meet obligations under property agreements
- Third-party services or advice you obtain

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow limitation of liability for certain damages, so this limitation may not fully apply to you.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Find Me A Home, its owners, employees, contractors, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from:

- Your use of our services
- Your violation of these Terms
- Your violation of any laws or regulations
- Your property agreements with sellers
- Your provision of false or misleading information
- Your failure to meet obligations under any agreement
- Your negligence or willful misconduct
- Any dispute between you and a property seller
- Your violation of any third-party rights

This indemnification obligation survives termination of these Terms and your use of our services.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, at your expense.

11. DISPUTE RESOLUTION

Governing Law: These Terms are governed by the laws of the state where Find Me A Home is registered, without regard to conflict of law principles.

Informal Resolution: Before filing any legal action, you agree to contact us in writing and attempt to resolve the dispute informally for at least 30 days.

Arbitration: Any dispute that cannot be resolved informally shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in the county where Find Me A Home is registered.

Exceptions to Arbitration: Either party may seek injunctive relief in court to protect intellectual property rights or prevent irreparable harm.

Class Action Waiver: You agree to resolve disputes with us only on an individual basis. You waive any right to participate in class actions, class arbitrations, or representative proceedings.

Limitation Period: Any claim must be filed within one year of the date the claim arose, or it is permanently barred.

Legal Fees: In any dispute, the prevailing party may be entitled to recover reasonable attorney fees and costs.

Property-Specific Disputes: Disputes related to specific property agreements may be subject to different dispute resolution terms as specified in those individual contracts.

12. TERMINATION

We may terminate or suspend your access to our services immediately, without notice, for:

- Violation of these Terms
- Providing false or misleading information
- Failure to meet qualification requirements
- Illegal or fraudulent activity
- Non-payment of required fees
- Behavior that harms our business or reputation
- Any reason at our sole discretion

You may terminate your use of our services at any time by ceasing to use our website and notifying us in writing.

Termination does not affect:

- Obligations under existing property agreements
- Payment obligations already incurred
- Provisions of these Terms that by their nature should survive

Upon termination:

- Your right to access our services ends immediately
- You must cease using all our materials and content
- Any outstanding payments become immediately due
- Confidential information must be returned or destroyed

Property-specific agreements may have separate termination terms that govern your occupancy and payment obligations.

13. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website.

We will indicate the "Last Updated" date at the top of these Terms. Material changes may be communicated through email or prominent notice on our website.

Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

If you do not agree to modified Terms, you must stop using our services. However, modifications do not affect the terms of any property-specific agreements you have already signed.

We recommend reviewing these Terms periodically to stay informed of any changes.

Property-specific agreements are separate contracts and are not automatically modified by changes to these general Terms.

14. GENERAL PROVISIONS

Entire Agreement: These Terms, together with any property-specific agreements you sign, constitute the entire agreement between you and Find Me A Home.

Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

No Waiver: Our failure to enforce any provision does not waive our right to enforce it later.

Assignment: You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights to any successor or affiliate.

Independent Contractors: Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship.

Force Majeure: We are not liable for delays or failures caused by circumstances beyond our reasonable control.

Notices: All notices to us must be sent in writing to the contact information below. Notices to you may be sent to the email or address you provided.

Headings: Section headings are for convenience only and do not affect interpretation.

Survival: Provisions that by their nature should survive termination (including indemnification, limitation of liability, and dispute resolution) shall survive.

Real Estate Disclosures: Real estate transactions involve significant financial and legal obligations. You should:

- Conduct independent property inspections
- Review all contracts with a qualified attorney
- Obtain independent financial advice
- Verify all property information independently
- Understand all risks before entering agreements

Not Legal or Financial Advice: Nothing we provide constitutes legal, financial, tax, or professional advice. Consult appropriate professionals before making decisions.

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CONTACT US

For questions about these Terms and Conditions, please contact Crestline REI at:

473 E Carnegie Dr, STE 200
San Bernardino, CA 92408
909-283-2920
admin@crestlinerei.com
www.crestlinerei.com

For legal notices, send written communication to the address above, marked "Attention: Legal Department."

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ACKNOWLEDGMENT

​By using Find Me A Home services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Last Updated: January 2025

Privacy Policy (California-Compliant)

Crestline REI LLC
www.crestlinerei.com
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 1. Introduction

Crestline REI LLC (aka Find Me A Home) (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it in accordance with applicable laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our services.

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 2. Categories of Personal Information We Collect

Under California law, we disclose the categories of personal information collected in the past 12 months:

A. Identifiers

* Name
* Email address
* Phone number
* Mailing address
* IP address

B. Financial Information (Sensitive Personal Information)

* Bank account details
* Payment card information
* Income or financial history
* Tax-related information (if applicable)
* Social Security number (if applicable)

C. Internet or Network Activity

* Browsing history
* Interaction with our website
* Device and browser information

D. Geolocation Data

* Approximate location based on IP address

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3. Sensitive Personal Information Disclosure (CPRA)

We collect **Sensitive Personal Information** solely for legitimate business purposes, including:

* Processing financial transactions
* Providing requested services
* Verifying identity
* Preventing fraud and unauthorized access
* Complying with legal obligations

We do **not use sensitive personal information for profiling or advertising purposes**.

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4. Sources of Information

We collect information from:

* You directly (forms, applications, payments)
* Automatically (cookies, analytics tools)
* Service providers (payment processors, financial institutions)

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5. How We Use Personal Information

We use your information to:

* Provide services and fulfill transactions
* Process payments and financial data
* Communicate with you
* Improve website performance
* Detect and prevent fraud
* Comply with legal and regulatory obligations

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6. How We Share Personal Information

We do **not sell personal information**.

We may disclose your information to:

* **Service Providers** (payment processors, hosting providers, CRM systems)
* **Financial Institutions** (as necessary for services)
* **Government Authorities** when required by law
* **Professional Advisors** (legal, accounting, compliance)

All third parties are contractually required to safeguard your data.

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7. Data Retention

We retain personal and financial information only as long as necessary to:

* Provide services
* Meet legal and regulatory requirements
* Resolve disputes and enforce agreements

Sensitive financial records may be retained as required by applicable tax or financial regulations.

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8. Your California Privacy Rights

If you are a California resident, you have the following rights:

Right to Know

Request disclosure of:

* Categories of personal information collected
* Sources of collection
* Business purpose for collection
* Categories of third parties shared with

Right to Access

Request a copy of your personal information.

Right to Delete

Request deletion of your personal information (subject to legal exceptions).

Right to Correct

Request correction of inaccurate information.

Right to Limit Use of Sensitive Personal Information

Request limitations on how sensitive data is used.

Right to Non-Discrimination

We will not discriminate against you for exercising your rights.

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9. How to Exercise Your Rights

You may submit requests by:

admin@crestlinerei.com
909-283-2920

We will verify your identity before processing your request.

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10. Cookies and Tracking Technologies

We use cookies and similar technologies to:

* Improve user experience
* Analyze traffic
* Maintain website functionality

You may manage cookie preferences through your browser settings.

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11. Data Security

We implement reasonable administrative, technical, and physical safeguards, including:

* SSL encryption
* Secure servers
* Access controls
* Monitoring systems

Despite these measures, no system is completely secure.

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12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

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13. Children’s Privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from them.

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14. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised “Last Updated” date.

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15. Contact Information

If you have questions or requests regarding this policy:

Crestline REI LLC
909-283-2920
admin@crestlinerei.com

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