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TERMS OF USE

Your use and transactions linked or having connections with this website and the company are subject to the terms and conditions mentioned in “Terms of Use’. Accessing to the pages beyond website’s homepage would be considered as your agreement with the terms of use, In case or not a transaction is completed with the company on the website or via other sources- email, phone or others. Failing to agree with the terms of use is restricted from accessing the website.

WEBSITE OWNERSHIP

This website is owned and handled by Loan Simple Inc., 9635 Maroon Circle, Suite 100 Englewood CO 80112. which can be referred as “Loan simple’, “us”, “we”, “our”, “Our Company”.

PERMITTED USE

1. Your access and use to this website is in correspondence with and governed by these Terms of Use,
2. You must be 18 years or older to access and transact on this website,
3. You must agree and comply as you are bound to the our Terms of Use of this website as they appear with your access each time when you use this site,
4. Your access and use of this website will automatically be taken as your consent and allowance to be bound by the website’s Terms of Use, and
5. You should be aware that Terms of Use would make you bounded legally with LoanSimple, and action can be taken against you, if found guilty or trespassing.

You agree upon not using or attempting to use this site on any other basis than conducting banking and mortgage related business with LoanSimple as a fair and square client of LoanSimple; no other use of this website or any part of this site for other purpose is not acceptable for reasons, causes, purposes:

1. that obstructs with or induces a breach of the contractual relationships between Loan Simple and its employees,
2. that is in any manner illegal or forbidden, or that is damaging or can cause destruction to a person or the property,
3. that conveys any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications,
4. that conveys any damaging computer codes or viruses,
5. that crops Email addresses from this site,
6. that coveys unsolicited Email to this site or to anyone whose Email address included the domain name under on this website,
7. that interferes with our network services;
8. that attempts to gain unauthorized access to our network services,
9. that suggests an express or implied affiliation with LoanSimple or broker relationship with LoanSimple(without the express written permission of LoanSimple),
10. that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
11. that uses any formula, medium or instruments to click on to this website or causes manipulation of the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with LoanSimple as a legitimate client of LoanSimple.
12. that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
13. that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
14. that conveys or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
15. that harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
16. that dilutes or depreciates the name and reputation of LoanSimple or any of its affiliates;
17. that transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy; or
18. that unlawfully transmits or uploads any confidential, proprietary or trade secret information.

ACCESS TO THIS WEBSITE

LoanSimple secures the right in its sole consideration and to deny your access to and use of this website at any or all time, not being liable to notify you about the same.

USE OF THIS WEBSITE

You agree and accept that you only hold the responsibility and liability for your use of this website and for providing, obtaining or maintaining, all services necessary or desirable for you to access and use this website.

INTELLECTUAL PROPERTY RIGHTS
You agree that:
1. All content of our Web pages are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
2. All rights associated with the Web Page Content are owned by LoanSimple, its licensors, or content providers.

Submissions: You accept that all inputs to LoanSimple in the form of comments or suggestion regarding this website will become and remain our exclusive property, including any future rights associated with such submissions even if the provisions of these Terms of Use are later altered or terminated.
Testimonials:You acknowledge and agree that all testimonials submitted to LoanSimple will become and remain our exclusive property, even if the provisions of these Terms of Use are later altered or terminated(without notice).

LINKS FROM WEBSITES
LoanSimple won’t be deemed to be held responsible for links to other websites as we don’t sponsor or endorse any such links(unless stated otherwise) and thus won’t be accountable the damages caused by them.

LoanSimple does not permit any third party advertisement on it’s website to endorse itself except permitted otherwise in written.

ALTERATIONS

We would like to encourage you to check our terms of Use on this website often as LoanSimple holds no responsibility to notify you about he same in case of altering or modifications.

LOCATION

You are aware about the fact that LoanSimple operates this website from within the United States Of America and provides information about the services that are available only in the United States of America. We are not accountable for a) whether or not this information is available outside USA b) whether or not this information is available in all parts of the USA.

USER IDS AND PASSWORDS

You might be stopped or restriction as a part of the authentication if you have registered yourself as a user and have been granted a login password and identification on the website. Kindly keep your login credentials secure and adhere to maintain its confidentiality of the identification and the password or any other confidential information you might get in course of your connection with this website.

PRIVACY POLICY

For details on how LoanSimple uses and protects your personal information that you may provide on this website, please visit: https://www.lowratemortgagecompany/privacy-policy/

DISCLAIMERS
LoanSimple has no obligation to take care the accuracy of any content on the web page on this website.

We don’t convey or warranty regarding the content for its usage, its typographical errors or any other inaccuracies as an effect of the developments on the publishing or preparation of the website.

This would also imply that in your full knowledge you accept that LoanSimple is neither, nor shall be responsible on any grounds for the outcome of any dis functionality in the operation of the website.

COMMUNICATIONS WITH COMPANY

Time Sensitive Instructions: When communicating via website, PC- talk, chat or via Email, do not discuss any time sensitive conversations that may effect your loan, loan application or closing. (such as interest rates locks, cancellation of a closing, rescission, or the like). Written transactions shall be appreciated.

Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by LoanSimple in writing.
Credit Reports: By applying for credit, you are authorizing LoanSimple to obtain a copy of your credit report. As a result, a “hard” inquiry may appear on your credit report. A hard inquiry may negatively affect your credit score.
E-Signature: General communications through this website, PC-talk, chat or via Email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.
Recording & Monitoring of Communications:Your communications with us via the website, PC-talk, chat Email, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.

APPLICATION OF ADDITIONAL TERMS

You consent on additional of features on our website and also on other products and services of LoanSimple on this website and that changes in terms of additional terms, conditions and disclaimers may be added in the already existing Terms of Use without any notice to you and also that you shall agree to changes subjected from them.

ACCURACY OF INFORMATION PROVIDED

Reliable information from the users who access this website is expected when:
1. Inquiring about Loan
2. Requesting information from LoanSimple’s website.
3. Entering any transaction

YOUR COOPERATION

LoanSimple commence with your application process after the submission of your total application and information which also means that you shall cooperate in any future application process where your documents or information is required. You also allow LoanSimple to confirm/take information from third party like your employer, organization, bank, etc. Additionally, you also agree on making LoanSimple aware in case there is any change in the information submitted for the application.

DEPOSIT/REFUND POLICY

LoanSimple shall begin your application process when you submit your loan application and shall move forward on your behalf with the third party’s expenses and costs. If you do not cooperate completely that refers to providing complete and timely submission of documentation required or in case you chose to back out or close the transaction, for that matter, you shall be liable to pay for all or some of the third party expenses to LoanSimple. Kindly review your agreement on the deposit for your specific information for loan application.

DISCLOSURES AND LICENSING
Please visit the link for information on disclosures and licensing https://www.lowratemortgagecompany.com/licenses-and-disclosures

COPYRIGHT INFRINGEMENT
LoanSimple is devoted to protecting copyrights and requires you to do the same. If you feel in that we seem to use any material or information that violates your copyright, a request for blocking or a notice requesting the removal of the same may be sent.

You can reach us at:
1694 Tully RD
Suite A
San Jose, California 95122

By e-mail:
hchau@loansimple.com

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