Terms and Conditions

These Terms and Conditions govern use of the 10MinHELOC website, an online inquiry feature operated by Park Cities Lending, Inc. By using the website and checking the required consent box when submitting an inquiry, you acknowledge these Terms. If you do not agree, do not use the website or submit information.

Service area and eligibility

The inquiry is intended for eligible adult homeowners in Texas and California. Product availability, licensing, property eligibility, underwriting requirements, and loan terms vary. Park Cities Lending may decline to review or proceed with an inquiry outside its licensed service area or applicable program requirements.

Inquiry only

Website content, calculator output, and submitted information do not constitute an application, approval, rate lock, loan estimate, commitment to lend, funding, closing, or financial, legal, or tax advice.

Description of services

10MinHELOC is an online inquiry feature from Park Cities Lending, Inc. It provides information about home equity lines of credit and lets you submit information for review. A submission is an inquiry only and is not an approval, loan agreement, or commitment to lend.

Accurate information and permitted use

You represent that you are at least 18 years old, have legal capacity to accept these Terms, will provide accurate and complete information, will use the site only for lawful personal purposes, and will not submit another person's information without authority.

Educational content

General educational material cannot determine eligibility or terms. Any available option depends on a separate review, applicable disclosures, program requirements, property information, and law.

Third-party services

The site may link to or use third-party services. Park Cities Lending is not responsible for third-party content or practices. Use of a third-party service may be subject to that provider's terms and privacy practices.

Disclaimer of warranties

The website and its content are provided on an as-is and as-available basis. To the fullest extent permitted by law, Park Cities Lending disclaims express and implied warranties related to the website.

Limitation of liability

To the fullest extent permitted by law, Park Cities Lending and its directors, employees, and agents will not be liable for indirect, consequential, exemplary, incidental, special, or punitive damages arising from use of the website.

Governing law

Except where applicable law requires otherwise, these Terms are governed by Texas law. Nothing in these Terms limits rights that cannot lawfully be waived, including mandatory rights available to California residents.

Changes to these Terms

Park Cities Lending may update these Terms. The effective date on this page identifies the current version. Continued use after an update constitutes acceptance of the revised Terms.