Terms & Conditions

Effective Date: 01/01/2026
Last Updated: 02/24/2026

Welcome to Imperial Home Loans (“Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website https://imperialhl.com (“Website”), any mobile applications, online services, tools, and related content (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By using the Website or Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you may not access or use our Services.

2. Changes to Terms

We may update these Terms at any time without prior notice. The “Effective Date” above will indicate when changes were made. Your continued use of the Website after modification constitutes acceptance of the revised Terms.

3. Eligibility

The Services are intended for users who are at least 18 years old and capable of entering into binding contracts. By using the Services, you represent that you meet these eligibility requirements.

4. Use of the Services

You agree to use the Services in compliance with all applicable laws, regulations, and guidelines. You must provide accurate, current, and complete information when requested (e.g., loan applications or contact forms). You are responsible for maintaining the confidentiality of any account credentials.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the exclusive property of Imperial Home Loans or its licensors and is protected by copyright, trademark, and other intellectual property laws. Unauthorized use of the content is prohibited.

6. Online Loan Quotes & Pre-Qualification

Information provided through online calculators, pre-qualification tools, or loan estimates is for illustrative purposes only and does not constitute a final offer or guaranteed loan terms. Final loan terms, conditions, and approvals are subject to credit approval, underwriting, and compliance with applicable mortgage regulations.

7. Third-Party Links

The Website may contain links to third-party websites that are not owned or controlled by us. We are not responsible for the content or practices of third-party sites, and inclusion does not imply endorsement.

8. Disclaimers

All Services are provided “AS IS” without warranties of any kind, whether express or implied. Imperial Home Loans disclaims all warranties, including but not limited to accuracy, completeness, reliability, and fitness for any particular purpose.

9. Limitation of Liability

To the fullest extent permitted by law, Imperial Home Loans, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, special, incidental, consequential, or punitive damages arising from your access to or use of the Services, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Imperial Home Loans and its representatives from any claims, liabilities, losses, damages, and expenses (including attorney’s fees) arising out of your use of the Services or violation of these Terms.

11. Privacy

Your privacy is important to us. Our collection and use of personal information are governed by our Privacy Policy, which you should review in conjunction with these Terms.

12. Governing Law

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of laws principles.

13. Dispute Resolution

Any dispute arising from or related to these Terms shall be resolved through binding arbitration in West Chester, Ohio, in accordance with the rules of the American Arbitration Association, unless otherwise required by applicable law.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have questions about these Terms, please contact us:

Imperial Home Loans
7237 Cincinnati-Dayton Rd, Suite 101
West Chester, OH 45069
Phone: 513-835-1787 (imperialhl.com)