First draft: February 16, 2021
Recent update: Feburary 20th, 2026
1. Acceptance of Terms
By accessing the website at citihoms.com, applying for financing, or using any financial tools provided by Citihomes Finance (the "Company"), you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.
2. Loan Applications and Credit Authorization
Verification: You authorize Citihomes Finance to make any inquiries we consider necessary to validate your identity and financial standing. This may include requesting a credit report from credit bureaus or verifying information with your employer/bank.
No Guarantee: Submission of an application does not constitute an approval. Citihomes Finance reserves the right to decline any application at its sole discretion without providing a specific reason, unless required by law.
Electronic Signatures: You agree that electronic signatures, whether via our portal or third-party services (e.g., DocuSign), carry the same legal weight as handwritten signatures.
3. Financial Disclosures and Interest
APR and Fees: All Annual Percentage Rates (APR), origination fees, and processing charges will be detailed in your specific Financing Disclosure Statement.
Fluctuations: For variable-rate products, you acknowledge that interest rates may change based on market indices.
Amortization: You are responsible for reviewing your repayment schedule. Early repayment policies (including any "pre-payment penalties" or lack thereof) will be defined in your individual contract.
4. Default and Collection Practices
Late Payments: Payments not received by the due date may incur late fees as specified in your agreement.
Default: A "Default" occurs if you fail to make payments, provide false information, or file for bankruptcy.
Recovery: In the event of default, Citihomes Finance reserves the right to:
Accelerate the repayment (making the full balance due immediately).
Report the delinquency to credit bureaus, which may impact your credit score.
Employ third-party collection agencies or initiate legal proceedings.
5. Use of Online Calculators and Tools
Any financial calculators or "estimated quotes" provided on citihoms.com are for illustrative purposes only. They do not constitute a binding offer or a guarantee of specific terms. Actual terms are only finalized upon formal underwriting.
6. Prohibited Activities
You agree not to:
Use our services for any illegal purpose (e.g., money laundering or terrorism financing).
Attempt to "scrape" data or interfere with the proper working of the website.
Provide account access to unauthorized third parties.
7. Limitation of Liability and Indemnity
Important: Citihomes Finance and its affiliates shall not be liable for any financial loss resulting from system outages, unauthorized access to your account due to your negligence, or reliance on third-party financial data. You agree to indemnify Citihomes Finance against any claims arising from your breach of these Terms.
8. Digital Security and Data
Account Security: You are responsible for maintaining the confidentiality of your login credentials.
Privacy: Our use of your data is strictly governed by our Privacy Policy. By using this site, you acknowledge that internet transmissions are never completely private or secure.
9. Modifications to Terms
Citihomes Finance reserves the right to revise these terms at any time. We will notify users of significant changes via the email provided (support@citihoms.com) or through a prominent notice on the website. Continued use of the service constitutes acceptance of the updated terms.
10. Governing Law and Dispute Resolution
These terms are governed by the laws of the jurisdiction in which Citihomes Finance is headquartered. Any disputes shall first be attempted to be resolved through binding arbitration before resorting to litigation in a court of law.
11. Electronic Communication Consent (E-Sign)
By using our services or providing your contact information on citihoms.com, you provide your express "opt-in" consent to receive communications from Citihomes Finance electronically.
Scope of Consent: This consent applies to all "Communications" (which include all agreements, disclosures, notices, tax statements, and response to applications) that we provide to you electronically.
Method of Delivery: You agree that we may provide Communications to you by posting them on our website, or by sending them to you via the email address or mobile phone number you provided.
Hardware/Software Requirements: To access and retain these electronic Communications, you must have a working internet connection and a device capable of receiving and displaying HTML files or PDFs.
12. Marketing Communications (Email, SMS, and RCS)
By submitting your information, you explicitly agree to receive promotional and marketing materials from Citihomes Finance.
Marketing Channels: Communications may be delivered via:
Email: Periodic newsletters, financial tips, and special offer alerts sent to your registered email.
RCS (Rich Communication Services): High-quality, interactive business messaging sent to your mobile device, which may include images, action buttons, and carousels regarding our financing products.
Frequency: The frequency of marketing messages may vary based on your interaction with our services.
Opt-Out Rights:
Emails: You may opt-out at any time by clicking the "Unsubscribe" link at the bottom of any marketing email.
RCS/SMS: You may opt-out by replying with keywords such as STOP, END, or UNSUBSCRIBE to any message received.
Data Rates: Standard message and data rates from your carrier may apply to RCS and SMS communications. Citihomes Finance is not responsible for any fees charged by your mobile service provider.
13. Updating Your Contact Information
It is your responsibility to keep your primary email address and mobile phone number up to date so that Citihomes Finance can communicate with you efficiently. If we send an electronic Communication to the email or mobile number on file and it is rejected by your provider, Citihomes Finance will be deemed to have provided the Communication to you.