Governing law: You agree that your use of Pacific Home Loans websites is governed by the laws of the State of Hawaii and any applicable federal United States laws. For individual products and services offered by Pacific Home Loans, the applicable customer agreements and disclosures may specify that the laws of another jurisdiction will govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply.

The state agency that administers our compliance with these state laws is the Division of Financial Institutions, Honolulu, HI, 96813.