Effective Date: June 1, 2025

1. Acceptance of Terms

Welcome to the Top Home Mortgage Group website (the "Site"). These Terms and Conditions ("Terms") govern your use of the Site and all products and services offered by Top Home Mortgage Group, a branch of NEXA Mortgage LLC (the "Company"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

2. Use of the Site

You may use the Site for lawful purposes only. You agree not to use the Site for any unlawful, harmful, fraudulent, or infringing activity. The Company reserves the right to restrict or terminate your access to the Site at any time without prior notice, for any reason.

3. Intellectual Property Rights

All content on the Site—including text, graphics, logos, icons, images, audio, video, and software—is the property of the Company or its licensors and is protected by applicable intellectual property laws. You may not copy, modify, distribute, display, or use any content from the Site without our prior written consent.

4. User Accounts

If you create an account on the Site, you are responsible for safeguarding your login information and all activity under your account. 
You agree to notify the Company immediately of any unauthorized use or suspected security breach related to your account.

5. SMS Communications

By providing your phone number, you consent to receive SMS/text messages from the Company regarding services, updates, and promotional offers. These communications are in compliance with the Telephone Consumer Protection Act (TCPA).

• Opt-Out: You may opt-out at any time by replying "STOP" to any SMS message received.
• Data Privacy: Phone numbers collected for SMS purposes are not shared with third parties for marketing use.
• Types of Messages: You may receive appointment reminders, service follow-ups, billing inquiries, and promotional updates.

6. Privacy Policy

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

7. Disclaimers

The Site and all information and content provided are offered “as is” and “as available,” without warranties of any kind, express or implied. The Company does not guarantee the Site will be uninterrupted, secure, or error-free.

8. Limitation of Liability

The Company shall not be held liable for any indirect, incidental, consequential, or punitive damages resulting from your use of the Site, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Top Home Mortgage Group, NEXA Mortgage LLC, and their officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including attorneys’ fees) arising out of your use of the Site or any breach of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of Arizona, where NEXA Mortgage LLC is headquartered, without regard to its conflict of law principles.

11. Dispute Resolution

Any dispute arising from your use of the Site or these Terms will be resolved through binding arbitration under the rules of the American Arbitration Association. The seat of arbitration shall be Mesa, Arizona.

12. Changes to Terms

We reserve the right to modify these Terms at any time. The "Effective Date" at the top of this page will reflect the latest revision. Continued use of the Site after changes indicates your acceptance of the updated Terms.

13. Contact Information

If you have questions about these Terms, please contact us:
Top Home Mortgage Group
Powered by NEXA Mortgage LLC

📍 5559 S Sossaman Rd, Building 1 #101, Mesa, AZ 85212
📞 (919) 919 9393
📧 toan@tophomemortgagegroup.com 
🌐 https://tophomemortgagegroup.com