Disclosure, legal and License Information
House of Lending is an Equal Housing Opportunity. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
House of Lending referred to as (the Company) is dedicated to providing the highest level of service to our clients. A big part of that is based upon prompt and convenient communication with our clients, vendors and others. For that reason, we offer various means of communication including Email, fax, telephone, Facebook messenger, Get Response, express mail, voice mail, etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding Email, which are incorporated by reference into all Emails sent and received by our Team Members (i.e., our employees). Our communications with you via Email are conditioned upon your agreement to the following terms:
Email In General
Email is an effective means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through Emails, faxes, voicemails, letters, IM, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an Email, etc. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.
Emails sent by our Team Members are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as “Confidential” contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney’s fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.
Emails are generally not formal signed writings: E-Sign Disclaimer
Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature, even if the sender’s name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.
Emails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.
Time Sensitive Instructions and Official Matters
Do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Team Member in a timely manner. All Emails are processed through various virus and spam filters which may delay or reject the delivery of an Email altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person via fax or Email. The Company reserves the right to block any Email source it deems inappropriate.
The Company’s Email facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving Email from our Team Members may not use our Team Member’s Email address or contact information (or any other person’s Email address appearing on or in Company Email) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an Email is not our Company’s consent, nor our Team Member’s consent, for you to use our Team Member’s Email address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.
Monitoring of Communications
All Emails sent to or from our Team Members may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, PC-talk, messenger, Email, and telephone. By using such communications methods you are consenting to:
You should be aware that regular Email is typically sent via the Internet which is an open network. While certain designated areas within our websites employ technologies to secure your data and the transmissions between you and our Company, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won’t be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over Email, and disclaims all liability with regard to Emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, misdelivered, intercepted, decrypted or otherwise misappropriated by others.
Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient’s responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Team Members for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company’s Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.
Prohibited Email Content
All of our Team Members are prohibited from using Email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in Email. Such communications are against Company policy and outside the scope of our Team Member’s employment. The Company does not accept any liability in respect of such communication, and the Team Member responsible will be personally liable for any damages or other liability arising. Please report any such violations to our Client Relations Team at (833) 385-1320 or email@example.com. The use of the Company’s Email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our Team Members is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company’s Email facilities for purposes of to soliciting our Team Members to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.
ALL RIGHTS RESERVED; STATEMENTS ATTRIBUTABLE TO THE COMPANY
The Company reserves all rights as to the Company’s content in its Email and this Email policy statement. No part of the Company’s Email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company’s Director of Public Relations or by an officer of the Company (i.e., Chairman, CEO, President, or Corporate Counsel).
The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and the Company makes no warranties, express or implied, with respect to such data or information.
IRS CIRCULAR 230 DISCLOSURE
The Company disclaims any U.S. federal tax advice contained in or furnished through Email (including any attachments). Any reliance upon such tax advice cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party any transaction or matter that is addressed, contained in or furnished through Email (including any attachments).
In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company’s Email, and that any disputes pertaining to this Email shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions may only be filed only in the state or federal courts located in Michigan.
This Email may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from House of Lending at this Email address please specify your preference by contacting us directly at firstname.lastname@example.org
This website is owned and operated by House of Lending Inc., 2207 Crooks Rd. Troy, MI 48084 which is referred to below as “House of Lending” or “we” or “us” or “Company” or “our.”
By use of this website, you agree that:
- You will only access or use this website and transact business with us if you are at least 18 years old
- You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with House of Lending as a bona fide client of House of Lending
You may not use or attempt to use any part of this website for any purposes that:
- Interferes with or induces a breach of the contractual relationships between House of Lending and its employees
- Is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property
- Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications
- Transmits any harmful or disabling computer codes or viruses
- Harvests Email addresses from this site
- Transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website
- Interferes with our network services
- Attempts to gain unauthorized access to our network services
- Suggests an express or implied affiliation with House of Lending (without the express written permission of House of Lending)
- Impairs or limits our ability to operate this website or any other person’s ability to access and use this website
- Uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with House of Lending as a bona fide client of House of Lending
- Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity
- 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
- Transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images
- 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
- Dilutes or depreciates the name and reputation of House of Lending or any of its affiliates; 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
- Unlawfully transmits or uploads any confidential, proprietary or trade secret information
Access and use of this website
House of Lending reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website. You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
Intellectual property rights
Web page content
You acknowledge and agree that all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) is accurate.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content.
You may not use Web Page Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose;
Meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, Email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
- In or as any meta-tag or hidden text
- In or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.
House of Lending Is Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, House of Lending does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that House of Lending will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links. House of Lending does not permit third-party advertising on this website. Except with the written permission of House of Lending, you agree that you will not create links from any website or Web page to this website or any Web page within this website.
Revisions & Modifications
You understand and acknowledge that House of Lending controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.
User Id’s and Passwords For Our Website
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify House of Lending immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
The web page content on or available through this website are provided “As is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, House of Lending disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchant ability, fitness for a particular purpose, title, and non-infringement. House of Lending makes no representation or warranty regarding the web page content or its use thereof. The web page content on or available through this website could include inaccuracies or typographical errors and could become inaccurate because of developments occurring after their respective dates of preparation or publication. House of Lending has no obligation to maintain the currency or accuracy of any web page content on or available through this website. You acknowledge and agree that House of Lending is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, House of Lending expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchant ability and fitness for a particular purpose. House of Lending makes no representation or warranty that (a) the operation of this website will meet your or any other user’s requirements; (b) access to the website will be uninterrupted, timely, secure, or free of errors, viruses, or other harmful components; or (c) any defects in this website will be corrected. You agree that you, and not House of Lending, will bear the entire cost of all servicing, repair, correction, or restoration that may be necessary for your data, software programs, or computer equipment because of any viruses, errors, or other problems you may have as a result of using or visiting this website.
Limitation Of Liability
You agree that under no circumstances will House of Lending be liable to you or any other person or entity for any damages or injury, including any direct, special, incidental, consequential, or punitive damages or any damages or injury caused by error, inaccuracy, omission, interruption, defect, failure of performance, delay in operation or transmission, telecommunications failure or computer virus or other problem, that may result from the use of, or the inability to use, this website or the web page content on or available through this website, whether in an action alleging breach of contract, negligence or any other cause of action, or arising out of or in connection with the use or performance of any web page content on or available through this website. You agree that House of Lending shall not be liable even if we or our authorized representatives have been advised of the possibility of such damages. Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, in no event shall House of Lending total liability to you for damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you, if any, in accessing or using this website of web page content thereon.
Communication With Company
To opt out contact us at email@example.com
Application of Additional Terms
Agreement To Provide Accurate Information
In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which House of Lending may rely.
Your Cooperation Is Needed
House of Lending generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information House of Lending may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify House of Lending of any changes in any information submitted in connection with your application.
Governing Law And Dispute Resolution
Deposit / Refund Policy
When you submit a loan application, House of Lending will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of House of Lending third party costs. Please review your deposit agreement for details specific to your loan application.
While House of Lending will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For instance, House of Lending cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond House of Lending reasonable control.
Last updated 2/13/2022.
Protection of the Privacy of Personal Non-Public Information
Sources of collected data:
- Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback
- Information you provided when applying for a position with us
- Information provided by third parties such as lead buy partners, data brokers and credit bureaus
- Information collected using web technologies
- Information collected through our websites
- Information you provided when getting a product or a service from us
- Information you provided when signing up for communications from us
- Information you provided when entering promotions or sweepstakes offered by House of Lending
Ways we might use your data:
- Marketing (unless you’ve opted out)
- Fraud detection
- Providing services
- Internal research
- Quality control
Reasons we might share your data with third parties:
With your consent, we’ll share your personal data and contact info with third parties for marketing, analytics, and pre-populating your information for a better customer experience.
We never sell your data.
You have a right to know what personal data we’ve collected about you, what data we’ve shared, who we’ve shared your data to, and what data we’ve shared for business purposes. If you’d like to review, access, revise or delete personal data we’ve collected about you, please contact us directly at: firstname.lastname@example.org