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# Terms of Use
Please carefully read this agreement (“Agreement”) before accessing or using this Internet Website (“Website”). When you access or use the Website, you are agreeing to be bounded by this Agreement, including the liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Website or download any information from it. Materials on this Website may be accessed, downloaded and printed only for personal and non-commercial use. By using this Website, you agree that you will not use any materials or information found on this Website for any purpose that is unlawful or prohibited by this Agreement, including, but not limited to, the use of this Website from locations outside of the United States of America or if you are under 18 years of age. Your permission to use the Website is automatically terminated if you violate any of the terms contained in this Agreement.
**COPYRIGHT AND TRADEMARK RIGHTS**
The contents of www.shannonchristenot.com are owned and copyrighted by Shannon Christenot and are protected by the laws of the United States, its treaty countries, and other jurisdictions. All rights are reserved, and no reproduction, distribution, or transmission of the copyrighted materials at this Website is permitted without the written permission of Shannon Christenot. All trademarks, logos, and service marks are the property of Shannon Christenot.
**CONSENT**
You hereby understand and agree that by using this Website, you automatically and without any further action have established a business relationship between you and Shannon Christenot. As a result, you agree to allow Shannon Christenot to contact you about its business via telephone, e-mail and /or standard mail using the contact information you have provided. You hereby consent to such contact even if your phone number is on any Do Not Call list.
**LIABILITY DISCLAIMER**
Shannon Christenot STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEBSITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS WEBSITE AT YOUR OWN RISK. Shannon Christenot RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT OF ITS WEBSITE AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS WEBSITE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED “AS IS.” Shannon Christenot DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS WEBSITE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. Shannon Christenot IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS WEBSITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
**INDEMNIFICATION/LEGAL RELIEF**
You agree to indemnify and hold Shannon Christenot harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by Shannon Christenot arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement.
**GOVERNING LAW AND VENUE**
This Agreement shall be governed by the laws of the State of California. You hereby consent and voluntarily submit to personal jurisdiction in the State of California, in and by the courts of the State of California in San Diego County and the United States District Court for the Southern District of California, in any action in which a claim is brought with respect to this Agreement, and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum for any action or claim with respect to this Agreement brought in the United States District Court for the State of California or the courts of San Diego County.
**MISCELLANEOUS**
This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and Shannon Christenot. No representation, promise, inducement or statement of intention has been made by you and Shannon Christenot that is not embodied in this Agreement. You and Shannon Christenot shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision of this Agreement shall be construed independently of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original provision.
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(818) 601-2231
### FEATURED PROPERTIES
#### Licensing
CA DRE 01848925
NMLS ID 278136
!
#### Contact Us
**Shannon Christenot**
700 Flower St Suite 1000
Los Angeles, CA 90017
#### More Links
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######  by 220 Marketing -  -
# California Consumer Privacy Act (CCPA) Disclosure
## Last Updated 7/23/2020
### Rights for California Residents
To exercise one or more of your rights, you or someone you authorize, may call us at (818) 601-2231 or click on the following link  and follow the instructions provided.
If you are a California resident you may have certain rights under the California Consumer Privacy Act (Cal. Civ. Code §1798.100 et seq.) regarding your personal information, including:
* the right to request the specific pieces of personal information we collected about you; the categories of personal information we collected; the categories of sources used to collect the personal information; the business or commercial purposes for collecting your personal information; and the categories of third parties with whom we share your personal information each as it pertains to our activities in the preceding twelve (12) months
* the right to request, on legitimate grounds, deletion of your personal information that we collected;
* the right to have someone you authorize make a request on your behalf; and
* the right not to be discriminated against for exercising any of these rights.
We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the sources from which we collect it, and the ways in which we use and disclose it.
### Personal Information
#### Categories of Personal Information
* Personal identifiers, including those listed in other California statutes: Real name; alias; Social Security number; passport number; other government issued number; Green Card number; driving license number; telephone number; email address; postal address; account name; online identifier; device identifier; IP address
* Characteristics of protected classifications: date of birth/age; gender; military or veteran status; marital status; nationality; citizenship; request for family care leave; request for leave for employee’s own serious health condition; request for pregnancy leave
* Biometric information: fingerprint; voice recordings; keystroke patterns and rhythms
* Professional or Employment: title; salary; employment files; references
* Education information: details of your education and qualifications
* Financial details: bank account numbers; debit/credit card numbers; cardholder or accountholder name and details; transaction details
* Commercial Information: records of personal property; products and service purchased, obtained or considered; purchasing or consuming histories or tendencies
* Internet or other electronic network activity information: browsing history, search history, information regarding your interaction with a website, application or advertisement
* Geolocation data: any information used to identify your physical location
* Communications, recordings, images: audio, electronic, visual
* Inferences: Any derivation of information, data, assumptions, or conclusions drawn from any of the above categories used to create a profile reflecting the consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
### Our Sources of Personal Information
#### Category of Sources from which we Collect Personal Information
* We obtain your personal information when you provide it to us (e.g., where you contact us via email or telephone, website, or by any other means)
* We collect personal information that you manifestly choose to make public, including via social media (e.g., we may collect information from your social media profile(s), to the extent that you choose to make your profile publicly visible)
* We receive your personal information from third parties who provide it to us (e.g., our customers; credit reference agencies; and law enforcement authorities)
* We collect or obtain personal information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Data
### Use of Information
#### Business and Commercial Purposes for Use of Personal Information
* Marketing/Prospecting: communicating with you via any means (including via email, telephone, text message, social media, post or in person) subject to ensuring that such communications are provided to you in compliance with applicable law; and maintaining and updating your contact information where appropriate
* Operation of our Sites: operation and management of our Sites; providing content to you; displaying advertising and other information to you; and communicating and interacting with you via our Sites
* IT operations: management of our communications systems; operation of IT security; and IT security audits
* Health and safety: health and safety assessments and record keeping; and compliance with related legal obligations
* Financial management: sales; finance; corporate audit; and vendor management
* Research: conducting market or customer satisfaction research; and engaging with you for the purposes of obtaining your views on our products and services
* Security: physical security of our premises (including records of visits to our premises and CCTV recordings); and electronic security (including login records and access details, where you access our electronic systems)
* Investigations: detecting, investigating and preventing breaches of policy, and criminal offences, in accordance with applicable law
* Legal compliance: compliance with our legal and regulatory obligations under applicable law
* Legal proceedings: establishing, exercising and defending legal rights
* Improving our products and services: identifying issues with existing products and services; planning improvements to existing products and services; and creating new products and services
* Risk Management: Audit, compliance, controls and other risk management
* Fraud prevention: Detecting, preventing and investigating fraud
### Disclosure of Information
#### Categories of Third Parties to Whom Personal Information is Disclosed
* You and, where appropriate, your family, your associates and your representatives
* Anti-fraud services
* Accountants, auditors, financial advisors, lawyers and other outside professional advisors to 220 Group, LLC, subject to confidentiality
* Data aggregation services
* Accreditation bodies
* Third party service providers (such as payment services providers; shipping companies; etc.)
* Governmental, legal, regulatory, or other similar authorities and/or local government agencies, upon request or where required
* Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties
* Any relevant third party acquirer(s), in the event that we sell or transfer all or any relevant portion of our business or assets (including in the event of a reorganization, dissolution or liquidation)
### Sale of Personal Information
Shannon Christenot nor 220 Group, LLC does not offer an opt-out from the sale of personal information because Shannon Christenot and/or 220 Group, LLC does not engage in the sale of personal information as contemplated by the CCPA. As noted elsewhere in this disclosure, we share personal information with other businesses for a variety of reasons. While we often benefit from such exchanges, we do not share personal information for the sole purpose of receiving compensation for that information.
### Changes to this Disclosure
We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on our CCPA web site page with a new “Last Updated” date. Any changes to this disclosure will become effective when posted unless indicated otherwise.
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# Today’s Rates
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# Purchase Assistant
Our Free Purchase Assistant is designed to help narrow down your loan options based on your individual needs. It’s quick & it’s easy. The more questions you answer = the more accurate your results.
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# Refinance Advisor
This Free Refinance Advisor has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results. You'll receive the Refinance information you need instantly without all the calls and emails!
# Real Estate
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# Home Search
Buying a home is one of the best investments you can make. Use this FREE tool to help you find your dream home or an investment property.
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