Terms of Use

These Terms of Use (the “Terms”) form a binding agreement between you and Westmount Financial Group Inc., doing business as WestFi (“WestFi,” “we,” “us,” or “our”), governing your access to and use of the WestFi website, mobile experiences, calculators, AI assistant, application flows, and any related services (collectively, the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, please discontinue use of the Site immediately.

1. Eligibility & Acceptance

You represent that you are at least 18 years old and legally able to enter into a binding contract. WestFi may update these Terms from time to time at its sole discretion. When we do, we will post the revised Terms on this page. Your continued use of the Site after any change constitutes your acceptance of the updated Terms. You are responsible for reviewing this page periodically.

2. Not an Offer to Lend

Nothing on the Site constitutes an offer or commitment to lend, an approval, or a rate lock. All loan products, pricing, terms, and program guidelines are subject to change without notice and require applicable underwriting review and any required credit, income, asset, property, appraisal, eligibility, and participating-lender approvals. Preliminary quotes, calculators, and AI-generated outputs are illustrative only.

3. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and share information.

4. Permitted Use & Restrictions

WestFi grants you a limited, revocable, non-exclusive, non-transferable license to access the Site for your personal, non-commercial mortgage financing needs. You agree that you will not:

• Copy, reproduce, republish, scrape, mirror, frame, or redistribute any portion of the Site;
• Reverse engineer, decompile, or attempt to derive source code from the Site;
• Interfere with, disrupt, or attempt to gain unauthorized access to the Site or any related systems;
• Use the Site to transmit malware, spam, or unlawful, misleading, or infringing content;
• Submit false, inaccurate, or third-party personal information without authorization;
• Use an automated system, bot, or agent to access the Site except as authorized by WestFi in writing or permitted by applicable law;

5. Your Submissions

When you submit information through the Site, you represent that it is accurate and that you are authorized to provide it. You authorize WestFi, its service providers, and participating wholesale lenders to use, store, and process the information only as described in the Privacy Policy, as necessary to respond to or process your request, and as required or permitted by law.

6. Communications Consent

When you ask WestFi to contact you, WestFi may respond by live telephone call or email regarding your inquiry. On Book a Call, a separate optional checkbox, unchecked by default, permits WestFi to text you only about that inquiry and appointment. Booking is available whether you check it or not; an unchecked box or legacy request without the choice grants no text permission. This choice does not enroll you in marketing or authorize automated or prerecorded marketing communications. You may withdraw this permission by telling WestFi or replying STOP to a text message. The general Contact form does not authorize automated or prerecorded marketing calls or enroll you in marketing text messages. If a form requests consent for automated, prerecorded, or marketing communications, the separate disclosure presented at that form controls. Consent to marketing communications is not a condition of obtaining mortgage information or services. Message and data rates may apply, and applicable opt-out instructions will be provided.

7. Intellectual Property & Trademarks

The Site and all content, design, code, logos, marks, text, graphics, calculators, and software are owned by WestFi or its licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws. “WestFi” and related marks are trademarks of Westmount Financial Group Inc. Third-party trademarks, service marks, logos, and brand names appearing on the Site — including FHA®, VA®, Fannie Mae®, Freddie Mac®, Google®, Zillow®, Zestimate®, Realtor.com®, LendingTree®, Trustpilot®, and Yelp® — are the property of their respective owners and are used for identification purposes only. Their use does not imply any affiliation with, sponsorship by, or endorsement of WestFi. WestFi is not affiliated with, sponsored by, or endorsed by Fannie Mae, the U.S. Department of Veterans Affairs, the Federal Housing Administration, or any other government agency.

8. Third-Party Content & Links

The Site may include links to third-party websites, tools, or data (including rate feeds, property records, mapping services, and government resources). WestFi does not control and is not responsible for the content, accuracy, availability, or privacy practices of third-party sites. Your use of any linked site is at your own risk and subject to that site’s own terms and policies.

9. Calculators, AI Assistant & Informational Content

Rates, payment estimates, affordability figures, property values, and AI-generated responses on the Site are provided for general informational purposes only. They are not financial, tax, legal, or investment advice and should not be relied upon in place of guidance from a licensed professional. Actual loan terms will vary based on complete application, credit, income, assets, property, occupancy, and lender guidelines.

10. Accuracy of Information

While WestFi works to keep information current, we do not warrant that content on the Site is complete, accurate, or up to date. Typographical errors, data-feed delays, and program changes may occur. WestFi reserves the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

11. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WESTFI DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WESTFI AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF WESTFI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Indemnification

You agree to defend, indemnify, and hold harmless WestFi and its officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your violation of these Terms, your submissions, or your violation of any law or the rights of any third party.

14. Termination

WestFi may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including any suspected violation of these Terms. All provisions of these Terms which by their nature should survive termination shall survive, including intellectual property, disclaimers, limitations of liability, and dispute-resolution provisions.

15. Governing Law & Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. You agree that any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.

16. Severability & Entire Agreement

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy and any additional terms referenced on the Site, constitute the entire agreement between you and WestFi regarding your use of the Site.

17. Contact

Questions about these Terms may be directed to legal@west-fi.com.