TERMS OF USE
Effective Date: August 28, 2026 Welcome to the website of Shelby Lane Caldwell (“Shelby,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use this website. This website is Shelby Lane Caldwell’s professional marketing website. Shelby is a Senior Loan Officer with Prime Equity Mortgage, NMLS #2798190. Mortgage products and services are provided through Prime Equity Mortgage, Company NMLS ID #1765663.
GENERAL INFORMATION ONLY
The information provided on this website is for general informational and educational purposes only. Nothing on this website should be interpreted as: • A commitment to lend
• A loan approval
• A loan estimate
• A guarantee of financing
• An offer to extend credit
• Financial advice
• Legal advice
• Tax advice
• Investment advice
You should consult appropriate financial, legal, tax, or other professional advisors regarding your individual circumstances.
MORTGAGE PRODUCTS AND LOAN APPROVAL
All mortgage products and services are subject to applicable underwriting requirements, credit approval, income verification, asset verification, property approval, eligibility requirements, and other applicable conditions. Not all applicants will qualify for all loan programs. Loan programs, interest rates, fees, terms, guidelines, and availability may change at any time without notice. Information appearing on this website should not be considered a guarantee that any particular mortgage product, rate, payment, loan amount, or qualification will be available to you.
NO COMMITMENT TO LEND
Nothing contained on this website constitutes a commitment or agreement by Shelby Lane Caldwell, Prime Equity Mortgage, or any lender to extend credit or provide financing. A mortgage loan is not approved until all required underwriting, verification, documentation, and approval requirements have been satisfied and the appropriate lender has issued the applicable approval or commitment.
MORTGAGE CALCULATORS, RATES, AND EXAMPLES
Any mortgage calculators, estimated monthly payments, example rates, loan scenarios, qualification examples, affordability estimates, or other financial illustrations presented on this website are provided for informational purposes only. Actual loan terms may vary based on factors including:
• Credit history
• Credit score
• Income
• Assets
• Debt obligations
• Loan amount
• Property type
• Occupancy
• Loan program
• Interest rates
• Market conditions
• Applicable fees
• Underwriting requirements
Any example provided on this website is hypothetical and should not be relied upon as an actual loan offer, loan estimate, or approval.
MORTGAGE APPLICATIONS
Submitting a contact form, requesting a consultation, sending an email, or communicating with Shelby does not constitute a mortgage application or create an obligation to lend. If you decide to move forward with financing, you may be directed to an approved secure mortgage application platform. Do not submit sensitive financial information, including Social Security numbers, banking information, tax documents, passwords, or other confidential financial records through a standard website contact form or unsecured email.
ACCURACY OF INFORMATION
We make reasonable efforts to keep information on this website accurate and current. However, mortgage guidelines, interest rates, loan programs, laws, regulations, and market conditions may change frequently. We do not guarantee that all information on this website is complete, accurate, current, or applicable to your specific circumstances. You should confirm important mortgage or financial information directly with Shelby before making decisions based on information appearing on this website.
USER RESPONSIBILITIES
By using this website, you agree that you will not: • Use the website for unlawful purposes
• Attempt to gain unauthorized access to the website or its systems
• Interfere with the operation or security of the website
• Submit false, fraudulent, misleading, or unlawful information
• Introduce malware, viruses, or harmful software
• Copy or commercially exploit website content without permission
• Use automated tools to improperly scrape, collect, or reproduce website content
• Impersonate another person or misrepresent your identity We reserve the right to restrict or terminate access to the website if we believe these Terms have been violated.
INTELLECTUAL PROPERTY
Unless otherwise stated, the content appearing on this website is owned by or licensed to Shelby Lane Caldwell. This may include:
• Website copy
• Photography
• Graphics
• Branding
• Logos
• Designs
• Videos
• Educational materials
• Downloads
• Website layouts
• Other original content
Content may not be copied, reproduced, modified, distributed, republished, sold, or commercially exploited without prior written permission. Third-party names, logos, trademarks, and materials remain the property of their respective owners.
THIRD-PARTY WEBSITES
This website may contain links to third-party websites or platforms, including mortgage application portals, Prime Equity Mortgage resources, real estate websites, social media platforms, scheduling services, financial tools, and other service providers. These links are provided for convenience. Shelby does not control and is not responsible for the availability, accuracy, privacy practices, security, content, or terms of third-party websites. Your use of third-party websites is subject to their own terms and privacy policies.
ELECTRONIC COMMUNICATIONS
By submitting your contact information or communicating electronically through this website, you consent to receiving communications related to your inquiry through the contact methods you provide. These communications may include email, telephone, or text messages where permitted by law. Consent to receive marketing communications is not a condition of obtaining mortgage services. Message and data rates may apply for text messages. You may opt out of marketing text messages by replying STOP and may unsubscribe from marketing emails using the unsubscribe instructions provided.
PRIVACY
Your use of this website is also subject to the Privacy Policy. Please review the Privacy Policy to understand how information submitted through or collected by this website may be used.
EQUAL HOUSING OPPORTUNITY
Shelby Lane Caldwell and Prime Equity Mortgage support Equal Housing Opportunity. Mortgage services are provided without unlawful discrimination based on protected characteristics under applicable federal and state fair lending laws.
DISCLAIMER OF WARRANTIES
This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, no warranties are made regarding:
• Website availability
• Accuracy of website content
• Completeness of information
• Website performance
• Error-free operation
• Availability of any particular mortgage product
• Qualification for any loan program
• Accuracy of third-party information Use of this website is at your own discretion and risk. LIMITATION OF LIABILITY To the fullest extent permitted by applicable law, Shelby Lane Caldwell will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of this website. This includes damages resulting from: • Reliance on website information
• Website interruptions
• Errors or omissions
• Third-party websites
• Unauthorized access
• Loss of data
• Decisions made based on general website content Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law.
INDEMNIFICATION
To the extent permitted by law, you agree to indemnify and hold harmless Shelby Lane Caldwell from claims, damages, liabilities, costs, or expenses resulting from your unlawful use of this website or violation of these Terms.
WEBSITE AVAILABILITY
We may modify, suspend, discontinue, restrict, or update any portion of this website at any time without notice. We are not responsible for website downtime, technical interruptions, or temporary unavailability.
CHANGES TO THESE TERMS
These Terms of Use may be updated periodically. When changes are made, the updated version will be posted on this page and the Effective Date above may be revised. Your continued use of the website following publication of updated Terms constitutes acceptance of the revised Terms.
GOVERNING LAW
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any rights or remedies available under applicable federal consumer protection, mortgage lending, or fair lending laws remain unaffected.
SEVERABILITY
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
CONTACT INFORMATION
If you have questions regarding these Terms of Use, please contact:
Shelby Lane Caldwell
Senior Loan Officer
Prime Equity Mortgage
NMLS #2798190 100 N Citrus Street, Suite 638
West Covina, CA 91791
Phone: (626) 277-9885
Email: ceshellinvestments@gmail.com
Prime Equity Mortgage
Company NMLS ID #1765663
Licensed State: California Equal Housing Opportunity