Have questions? Give us a call at 801-833-0778 or email us at hello@loanremedy.com

Loan Remedy maintains this website (“the site”) for your personal information, education, and communication. Loan Remedy is a trade name of LoanRemedy, LLC, a Utah limited liability company and mortgage broker.

Your access to and use of the site is subject to the following terms and conditions and all applicable laws. By accessing and browsing the site, you accept, without limitation or qualification, the terms and conditions below and acknowledge that any other agreements between you and Loan Remedy regarding use of the site are superseded hereby and of no force or effect.

We do not rent, lease or sell our Users’ nonpublic personal information to third parties. User personal information is used by us solely to assist Users in fulfilling and carrying the loan services that Loan Remedy offers. Reference is made to our Privacy Policy on this site.

Your Information
During the process of your mortgage application you may submit certain information to us. Loan Remedy does not claim ownership of the materials Users provide (including feedback and suggestions), post, upload, input, or submit to Loan Remedy (collectively “Your Information”). However, by posting, uploading, inputting, providing, or submitting Your Information, you are granting us and direct lenders we partner with permission to use Your Information to fulfill your request for services. That permission includes allowing us to copy, distribute, transmit, publicly display (we will never publicly display your non-public personal information), reproduce, edit, translate, and reformat Your Information.

Please note that specific terms and conditions provided on our web page describing a particular feature or offer may supersede this this Terms of Use section. Reference is made to our Privacy Policy.

SMS Consent
Providing your telephone contact information to us means you have consented in writing to receive SMS communications (text messages) from us and our employees or loan officers. When consenting to messaging notifications, you authorize Loan Remedy, our lending contacts, and servicing agents to send SMS Notifications (as defined below) to any phone number provided to us, our lending contacts, and servicing agents in connection with your account, application, loan, and closing. As used in this text messaging disclosure, “SMS Account Notifications” means any SMS (text message) communication from us to you pertaining to your account or loan transaction sent to the phone number provided in connection with this transaction, including but not limited to application processing status, account information, loan information, information requests, document requests, due dates, delinquent accounts, closings and program updates.

All SMS Account Notifications in electronic format sent from us to you will be considered “in writing.”

In order to access, view, and retain SMS Account Notifications that Loan Remedy makes available to you, you must have: (i) a SMS-capable mobile phone, (ii) an active mobile phone account with a communication service provider; and (iii) sufficient storage capacity on your mobile phone.

There is no service fee for SMS Account Notifications, but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account status or settings. Loan Remedy may modify or terminate text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you.

How to Unsubscribe to SMS Account Notifications: Users may withdraw their consent to receive SMS Account Notifications by replying with “STOP, END, CANCEL, UNSUBSCRIBE, or QUIT” or by calling us at 801-833-0778 at any time. We may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Account Notifications. Any withdrawal of your consent to use SMS Account Notifications will be effective only after we have a reasonable period of time to process your withdrawal.

Consent to Employment Verification
By providing us with your employment information you are providing written consent permitting us or prospective lenders to contact third parties as necessary to verify your income and employment.

Security and Privacy
Maintaining the security of your information is a top priority at Loan Remedy.

Loan Remedy uses physical, electronic, and procedural safeguards to protect your personal information from unauthorized access and use. When you provide personal information through online forms, your information will be scrambled using SSL encryption technology before being sent over the Internet.

We do NOT rent, lease or sell our Users’ nonpublic personal information to third parties. See our Privacy Policy for details about how we protect and use your personal information. Some privacy provisions of some states such as California’s Consumer Privacy Act do not apply to us because we are not a direct lender and we do not use or sell your information to any third person or party. We only use personal information you provide for the purpose of carrying out the services you have engaged us to do.

Tracking and Advertising Technologies

Loan Remedy may collect non-personal information to improve the site and understand our visitors’ interactions with it. That information includes, but is not limited to referring/exit pages, internet protocol (IP) address, internet service provider (ISP), operating system, date/time stamp, the web pages you visited and your interactions with those pages.

Technologies such as cookies or similar technologies are used by Loan Remedy and our partners, marketing partners, affiliates, or analytics. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as an aggregated basis.

We use cookies to remember users’ settings, to enable a logged-in state, and to personalize content. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use the site, but your ability to use some features or areas of the site may be limited. By continuing to use the site we will assume consent for the limited tracking technologies identified above.

We do NOT use third-party advertising companies to collect data and/or serve ads when you visit the site.

Access and Prohibition Uses
Loan Remedy expressly reserves the right to terminate or suspend access of a User to the site for any reason, whatsoever, including, but not limited to, a violation of the Terms of Use, revocation or withdrawal of User’s consent to receive electronic delivery of Documents/Disclosures, or any inappropriate or unlawful behavior. Further, Loan Remedy reserves the right to modify or discontinue use of the site, or any portal or website or technology associated with the site, at any time, with or without notice.

Loan Remedy shall have no liability to User, nor to any other person, whomsoever, for any losses or damages resulting, directly or indirectly, from its exercise of any of its reserved rights, whether reserved in this paragraph or any other provision in this Terms of Use or as otherwise disclosed on our website. User agrees that User will not divulge the User’s login/password information to any other person, nor in any other way allow any other person(s) to access User’s account on the site.

User expressly agrees not to use the site for private or political communications, pornography, or illegal communications or materials of any kind. User agrees that User shall not use the site to access, nor shall User in any way attempt to access, information belonging to any other consumer(s) or users, whomsoever. In the event that User believes that he, she or it have inadvertently come into contact with information that belongs to any other consumer, User agrees to immediately close the document (or, if it has already been downloaded, to delete it), not to download the same, and to immediately notify Loan Remedy at hello@Loan Remedy.com.

Social Media Widgets and Links to Other Sites
The site may include social media features, such as the “Share” button or interactive mini programs that run on the site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on the site. Your interactions with these features are governed by the privacy policies of the company providing them and are not Loan Remedy’s responsibility.

The site includes links to other websites whose privacy practices may differ from those of Loan Remedy. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit, whether linked through us or not.

Intellectual Property
You should assume that everything you see or read on the site is copyrighted unless otherwise noted and that it may not be used except as expressly provided in these terms and conditions, or in the text on the site, without the written permission of Loan Remedy. Loan Remedy neither warrants nor represents that your use of materials displayed on the site will not infringe the rights of third parties not owned by or affiliated with Loan Remedy.

You may download material displayed on the site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices associated with the materials. You may not, however, distribute, modify, transmit, reuse, repost, or use the content of the site for public or commercial purposes, including the text, images, audio, and video, without written permission from Loan Remedy.

Images of people or places displayed on the site are the property of or used with permission granted to Loan Remedy, or are in the public domain. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate your duties under law, such as (but not necessarily limited to) copyright law, trademark law, communications law, and/or common law.

The trademarks, logos, and service marks (collectively the “trademarks”) displayed on the site are registered and unregistered trademarks of Loan Remedy and others. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the written permission of Loan Remedy or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. Be advised that Loan Remedy will aggressively enforce its intellectual property rights to the fullest extent of the law.

Disclaimers and Limits of Liability
While Loan Remedy takes reasonable efforts to include accurate and up-to- date information on the site, Loan Remedy makes no warranties or representations as to its accuracy at all times. This information is not intended to be a substitute for information supplied by a Loan Remedy loan officer or a direct lender. Loan Remedy, as a loan broker, assumes no liability or responsibility for any errors or omissions in the content of the site. Loan Remedy reserves the right to make updates to the site at any time and does so.

Programs, rates, terms, and conditions are subject to change at any time. All loan approvals are subject to underwriting and lender guidelines over which Loan Remedy has no control.

THE SITE, INCLUDING ANY REAL-TIME SERVICES INFORMATION, IS PROVIDED BY LOAN REMEDY ON AN “AS IS” AND “AS AVAILABLE” BASIS. USE OF THE SITE IS AT THE USER’S SOLE RISK. LOAN REMEDY DISCLAIMS ALL WARRANTIES OF ANY KIND OR NATURE, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, WARRANTY OF FITNESS FOR ANY PARTICULAR PURPOSE, WARRANTY OF SYSTEM INTEGRATION, WARRANTY OF TITLE, AND WARRANTY OF NONINFRINGEMENT. LOAN REMEDY DOES NOT REPRESENT OR WARRANT THAT THE SITE OR ANY SERVICES ASSOCIATED WITH THE SITE IS/ARE COMPLETE OR FREE FROM ERROR, AND DOES NOT ASSUME, AND EXPRESSLY DISCLAIMS, ANY LIABILITY TO ANY PERSON OR ENTITY FOR LOSS OR DAMAGE CAUSED BY ERRORS OR OMISSIONS IN THE SERVICES WHETHER SUCH ERRORS OR OMISSIONS RESULT FROM NEGLIGENCE, ACCIDENT, OR OTHER CAUSE. LOAN REMEDY MAKES NO REPRESENTATIONS OF ANY KIND AS TO OPERATION OR AVAILABILITY OF THE SITE; NOR THAT IT WILL BE INTERRUPTED OR SECURE, NOR THAT THIS SITE IS OR WILL BE FREE OF VIRUSES, MALWARE OR OTHER HARMFUL PROGRAMS OR TECHNOLOGIES. LOAN REMEDY IS NOT LIABLE FOR DISCLOSURE OR HACKING OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR WHEN RECEIVING E-MAILS OR TEXT MESSAGES FROM YOU.

LOAN REMEDY SHALL HAVE NO LIABILITY FOR DAMAGES OF ANY KIND ARISING FROM USE OF THE SITE OR ANY PART THEREOF, INCLUDING, BUT NOT NECESSARILY LIMITED TO, DIRECT DAMAGES, INDIRECT DAMAGES, INCIDENTAL DAMAGES, PUNITIVE DAMAGES, CONSEQUENTIAL DAMAGES, OR OTHER KINDS OF DAMAGES, EVEN IF LOAN REMEDY OR ANY OF ITS REPRESENTATIVES IS/ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This site is not intended to provide legal or tax advice. Consult a professional legal or tax advisor for advice regarding your specific situation.

Testimonials
Experiences featured are those of actual clients of Loan Remedy. They reflect real life experiences of those who have used our products and/or services in some way or another. They are individual results, and results vary. The testimonials are not necessarily representative of all of those who will use our services and it is not our intention to imply that. Individuals featured may, in the future, be compensated by Loan Remedy for their time in sharing their experience but as of the date of this Terms of Use, that has not occurred.

Governing Law and Jurisdiction
These Terms of Use shall be governed by the laws of the State of Utah without regard to principles of conflicts of law and by using this site or Loan Remedy’s services, User acknowledges the same. In the event of a dispute, User and Loan Remedy submit to the jurisdiction of, and waive venue objections against, the United States District Court for the District of Utah, Central Division, and the Utah Third Judicial District Court in and for Salt Lake County, State of Utah, for any litigation.

No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other or further exercise of that right or the exercise of any other rights under these Terms of Use.

If any terms in these Terms of Use change due to applicable law or are declared invalid by order of a court, the remaining terms of these Terms of Use will not be affected, and these Terms of Use will be interpreted as if the invalid terms had not been placed in these Terms of Use. The headings in these Terms of Use are intended only to help organize and communicate these Terms of Use.

Updates and Changes to these Terms of Use
Loan Remedy shall have the right to modify these Terms of Use, at any time, with or without notice, effective upon posting. Continued use by the User after an amendment or modification by Loan Remedy means that User has accepted the revised terms, whether or not User has reviewed such revised terms. User agrees that User shall have a duty to regularly inspect the Terms of Use and review them to determine the terms and conditions then applicable to use of the site. We will only notify you electronically of any change to our Terms of Use if or to the extent required by applicable law.

Loan Remedy may, from time to time, amend all or any part of these Terms of Use, including, without limitation, establishing, increasing, or decreasing the fees and charges for products and services made available through this website and changing the features and functionality of this website.

Last Updated: October 15, 2020

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