Legal

Terms & Conditions

Effective Date: May 22, 2026

These Terms & Conditions (“Terms”) govern your use of the Home Approval Partner website and services operated by Onepiece Financial LLC.

By using this website or submitting information, you agree to these Terms.

1. Services Provided

Home Approval Partner provides services including, but not limited to:

  • Educational guidance
  • Credit and financial profile review
  • Strategy and planning related to mortgage readiness

We may provide guidance related to credit and financial matters; however, we do not guarantee any specific outcome.

2. No Guarantee of Results

Results are not guaranteed.

Outcomes vary based on factors including, but not limited to:

  • Individual financial situation
  • Client participation and follow-through
  • Accuracy of information provided
  • Third-party decisions (including, but not limited to, lenders, creditors, and credit reporting agencies)

3. No Legal, Financial, or Lending Advice

All information provided is for educational and informational purposes only.

We are not acting as your attorney, financial advisor, or lender. You should consult a licensed professional for advice specific to your situation.

4. Client and Referral Submissions

By submitting client information:

  • You represent and warrant that you have obtained express consent from the client to share their information
  • You authorize Home Approval Partner to contact the client regarding services
  • You agree that the information provided is accurate to the best of your knowledge

5. Client Responsibility

Any client who engages with services is responsible for:

  • Providing accurate and complete information
  • Following recommended action steps
  • Maintaining communication and participation

Failure to do so may impact results.

6. Limitation of Liability

To the fullest extent permitted by law, Home Approval Partner and Onepiece Financial LLC shall not be liable for any damages, including, but not limited to:

  • Financial loss
  • Credit-related outcomes
  • Loan denial or approval decisions
  • Indirect, incidental, or consequential damages

In all cases, liability shall not exceed the total amount paid, if any, for services rendered.

7. Use of Website

You agree not to:

  • Submit false or misleading information
  • Use the website for unlawful purposes
  • Attempt to interfere with or disrupt the website or services

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona.

Any disputes arising from the use of this website or services shall be resolved in the State of Arizona.

9. Modifications

We may update these Terms at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

10. Contact Information

Home Approval Partner

Operated by Onepiece Financial LLC

Email: paul@fixitnowcredit.com

Phone: 6233231101