Legal
Terms of Use
Last updated: February 2026
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and conditions outlined below. If you do not agree to these terms, please do not use this website. ETHOS Lending, Inc. (“we,” “us,” or “our”) reserves the right to update these terms at any time without prior notice.
Not a Commitment to Lend
Nothing on this website constitutes a commitment to make a loan or to extend credit. All loan applications are subject to credit approval, property appraisal, and verification of information. Rates, terms, and program availability are subject to change without notice.
Calculator and Tool Disclaimers
Any calculators, tools, or financial projections provided on this website are for illustrative and educational purposes only. Results are estimates based on the information you provide and do not constitute a loan offer, pre-qualification, or guarantee of any specific rate, payment, or terms. Actual rates, payments, and costs may vary. Consult with a licensed loan officer for personalized guidance.
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of ETHOS Lending, Inc. or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
Third-Party Links
This website may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Linking to a third-party site does not imply endorsement.
Limitation of Liability
To the fullest extent permitted by law, ETHOS Lending, Inc. shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein.
Governing Law
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 provisions.
Privacy
Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.
Contact
If you have questions about these Terms of Use, please contact us at:
ETHOS Lending, Inc.
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691