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conditions below and acknowledge that any other agreements between you and Loan Remedy regarding use of the site are superseded hereby and of no force or effect.
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.
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.
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 do NOT use third-party advertising companies to collect data and/or serve ads when you visit the site.
Access and Prohibition Uses
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.
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.
Governing Law and Jurisdiction
Last Updated: October 15, 2020