TOC and Privacy Policy

Terms of Use

  1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

  1. Use License
    1. Permission is granted to temporarily download one copy of the materials (information or software) on PHX Home Loan’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
      1. modify or copy the materials;
      2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
      3. attempt to decompile or reverse engineer any software contained on First Choice Loan Services Inc.’s web site;
      4. remove any copyright or other proprietary notations from the materials; or
      5. transfer the materials to another person or “mirror” the materials on any other server.
    2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by PHX Home Loan at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
  2. Disclaimer

The materials on PHX Home Loan’s  web site are provided “as is.” PHX Home Loan makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, PHX Home Loan does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

  1. Limitations

In no event shall PHX Home Loan or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on PHX Home Loan’s  Internet site, even if PHX Home Loan or a PHX Home Loan authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

  1. Revisions and Errata

The materials appearing on PHX Home Loan’s  web site could include technical, typographical, or photographic errors. PHX Home Loan does not warrant that any of the materials on its web site are accurate, complete, or current. PHX Home Loan may make changes to the materials contained on its web site at any time without notice. PHX Home Loan does not, however, make any commitment to update the materials.

  1. Links

PHX Home Loan and First Choice Loan Services Inc. has not reviewed all of the sites linked to this Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by PHX Home Loan or First Choice Loan Services Inc. of the site. Use of any such linked web site is at the user’s own risk.

  1. Site Terms of Use Modifications

PHX Home Loan may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

  1. Governing Law

Any claim relating to PHX Home Loan’s  web site shall be governed by the laws of the State of Arizona without regard to its conflict of law provisions.


Privacy Policy

PHX Home Loan (“PHX Home Loan“) operates and may operate other websites. It is PHX Home Loan’s policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, PHX Home Loan collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. PHX Home Loan’s purpose in collecting non-personally identifying information is to better understand how PHX Home Loan’s visitors use its website. From time to time, PHX Home Loan may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

PHX Home Loan also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on blogs/sites. PHX Home Loan only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to PHX Home Loan’s websites choose to interact with PHX Home Loan in ways that require PHX Home Loan to gather personally-identifying information. The amount and type of information that PHX Home Loan gathers depends on the nature of the interaction. For example, we ask visitors who sign up at to provide a username and email address. Those who engage in transactions with PHX Home Loan are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, PHX Home Loan collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with PHX Home Loan. PHX Home Loan does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

PHX Home Loan may collect statistics about the behavior of visitors to its websites. PHX Home Loan may display this information publicly or provide it to others. However, PHX Home Loan does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

PHX Home Loan discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on PHX Home Loan’s behalf or to provide services available at PHX Home Loan’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using PHX Home Loan’s websites, you consent to the transfer of such information to them. PHX Home Loan will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, PHX Home Loan discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when PHX Home Loan believes in good faith that disclosure is reasonably necessary to protect the property or rights of PHX Home Loan, third parties or the public at large. If you are a registered user of an PHX Home Loan website and have supplied your email address, PHX Home Loan may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with PHX Home Loan and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. PHX Home Loan takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.


A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. PHX Home Loan uses cookies to help PHX Home Loan identify and track visitors, their usage of PHX Home Loan website, and their website access preferences. PHX Home Loan visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using PHX Home Loan’s websites, with the drawback that certain features of PHX Home Loan’s  websites may not function properly without the aid of cookies.

Business Transfers

If PHX Home Loan, or substantially all of its assets, were acquired, or in the unlikely event that PHX Home Loan goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of PHX Home Loan may continue to use your personal information as set forth in this policy.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by PHX Home Loan and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, PHX Home Loan may change its Privacy Policy from time to time, and in PHX Home Loan’s sole discretion. PHX Home Loan encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.