DISCLOSURES
Disclaimer, Privacy Policy, Terms of Use
IMPORTANT DISCLAIMER TO OUR CLIENTS:
Mortgage Broker Compliance Consultants LLC is a mortgage compliance consulting firm. We do not represent ourselves as a law firm or as attorneys individually. While we take great care to ensure accuracy, there is no implied guarantee as to the accurate interpretation or inclusion of all applicable guidelines, rules, laws and policies. We cannot provide official legal opinions and can only act as an outsourced compliance firm. If a legal opinion or additional direction is required, please seek the advice of competent legal counsel.
PRIVACY POLICY
SECURITY & PRIVACY POLICY
At Mortgage Broker Compliance Consultants, LLC, we respect and protect the privacy of those who visit or use our website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted a high standard in complying with industry privacy guidelines. By using our website, you are consenting to the use of information and agreeing to these guidelines and the other policies described on our website. We do not share your personal information with outside companies for their promotional use without your consent. Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we do not knowingly attempt to solicit or receive any information from children. OUR INFORMATION USAGE PRACTICES We want you to be confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website: • We provide you notice of our website information practices. • We tell you how and why we use online technologies. • We give you choices about how the personally identifiable information that you provide to us may be used. • We provide you the opportunity to update or correct your personally identifiable information. • We work to protect personally identifiable information from loss, misuse, or unauthorized alteration. • We provide a variety of ways for you to contact us about our information practices and other aspects of privacy.
NOTICE OF OUR WEBSITE INFORMATION PRACTICES
To maximize the value of our services, we may request information from you when you visit our websites. We do not share your personal information with outside companies for their promotional use. Here is a description of the information we collect and how it is used:
PROTECTING YOUR IDENTITY AND CREDIT
At MBCC, we do not collect any personal non-public information via this website. In addition we never share any information with 3rd parties for any reason.
ADDITIONAL INFORMATION USAGE PRACTICES
• Contests, Sweepstakes, and Surveys: From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences, or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case. • Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our website, we may collect information that may include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance, and other information. As part of this process, you consent to our company obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on our websites and use that information as described in this policy.
• E-mail Formatting: When sending you Email we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer's capabilities, and (2) determine whether you have opened an HTML Email. When you click on a link within an Email message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our Email messages and to determine which links are most useful to our client base.
• Service Providers: In some cases, we will employ or use service providers such as consultants, temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
• Service Alerts and Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
• Change of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock or otherwise) of all or a portion of our business. You will have the opportunity to opt out of further secondary use of your information following any change of control.
• Changes to Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we will post those changes to our website 30 days before they take effect.
• Legal Disclosures: In some cases, we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
HOW WE PROTECT YOUR PRIVATE INFORMATION We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to us is protected with technology that enables encryption of your data. We use: • Secure Socket Layer (SSL): Our Web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
• 128-Bit Domestic Grade Strong Encryption: Our Company uses 128-Bit Domestic Grade Strong Encryption, a powerful encryption commercially available for Internet products. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States and Canadian citizens can download free 128-bit browsers from Mozilla, Apple, or Microsoft. We work to protect personally identifiable information stored on the site's servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a username, member ID name and password are required for you to use, view, or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
HOW WE USE TECHNOLOGY
Here is how and why we use some common Web technologies to help manage our websites:
• Cookies: A "cookie" is a small piece of information that our website may provide to your browser while you are at our sites. Our website supplies your browser with cookies that contain a unique identifier used to better understand website usage in the aggregate and on an individual level, so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also employ service providers to help us collect and understand our website usage data. When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual. If you are registered on our website, you will receive a cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile. Additionally, our service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of our online advertising on other websites and your involvement with our company. For example, as part of an affiliate program, service providers use cookies and web beacons to determine when affiliate program members have referred a customer to our company via a link on their website. Our website would also set a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer's personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. We may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL, and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site. If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you will not be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies. If you wish to remove cookies provided by our company, please check your browser's settings and Help section for instructions for removing cookies from your browser.
• Behavioral Advertising: Please be aware that we may use third party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org. • Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow from our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an Email to optout@mortgagebrokercomplianceconsultants.com. We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
• Social Media and Third-Party Website Security and Privacy Policies: Our company currently has presence on social media to connect with and markets to the public, our customers, and potential customers. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at us through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments, or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.
• Browser “Do Not Track” and Other Settings: You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, our websites do not respond to any of these signals. Our company may track your activity on these websites and use that information as provided in this policy.
YOUR CHOICE - HOW WE USE YOUR PERSONAL INFORMATION We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close, and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about our products. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call toll-free at 866-636-1693 or send an Email to: OPTOUT@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM
HOW TO UPDATE YOUR PERSONAL INFORMATION We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting us Toll-Free at 866-636-1693, or emailing us at OPTOUT@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM. We recommend that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly. CONTACT US Questions regarding our website's privacy statement, our online privacy policy, our information practices or other aspects of privacy on our websites, should be directed to us by Email to INFO@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM or by writing to us 1200C Agora Drive, #136, Bel Air, MD 21014. You may call us Toll-Free at 866-636-1693.
TERMS OF USE
TERMS OF USE - DISCLAIMER YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS "TERMS OF USE". CLICKING ONTO WEB PAGES BEYOND THE WEBSITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY Email, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE. TERMS OF USE WEBSITE OWNERSHIP This website is owned and operated by Mortgage Broker Compliance Consultants, LLC, which is referred to below as "COMPANY NAME" or "we" or "us" or "Company" or "our."
PERMITTED USE You agree that: • your use of this website is subject to and governed by these Terms of Use, • you will only access or use this website and transact business with us if you are at least 18 years old, • you will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website, • each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and • these Terms of Use are a legally binding agreement between you and our Company that will be enforceable against you. You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage related business with us as a bona fide client of our Company you may not use or attempt to use this website or any part of this site for any purpose: • that interferes with or induces a breach of the contractual relationships between our Company and its employees, • that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property, • that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications, • that transmits any harmful or disabling computer codes or viruses, • that harvests Email addresses from this site, • that transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website, • that interferes with our network services • that attempts to gain unauthorized access to our network services, • that suggests an express or implied affiliation with our Company • that impairs or limits our ability to operate this website or any other person's ability to access and use this website, and/or • that 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 purpose other than conducting mortgage banking related business with our Company. • that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity • 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 • that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images • 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 • that dilutes or depreciates the name and reputation of our Company or any of our 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 or • that unlawfully transmits or uploads any confidential, proprietary or trade secret information.
ACCESS TO THIS WEBSITE We reserve the right, in our sole discretion and without notice to you, to deny your access to and use of this website.
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 The following marks appearing on this website, including, but not limited to: Mortgage Broker Compliance Consultants, LLC, Mortgage Broker Compliance Consultants, MBCC, or MBCC University, "COMPLY!" the publication, and the respective logos, emblems, and designs are trademarks and/or service marks of our Company. All names and logos listed above are registered service marks of Mortgage Broker Compliance Consultants, LLC, used under license. All other marks used on this website are the property of their respective owners. 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") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks and • all rights associated with the Web Page Content are owned by our Company, its licensors, or content providers. 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. Submissions: You acknowledge and agree that all submissions to our Company containing any comments, suggestions, and ideas 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 modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge our unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person. Testimonials: You acknowledge and agree that all testimonials submitted to us will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to our Company the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that we can use any percentage of your testimonial, image, likeness and/or works, in any way that we see fit, and may exclude your name or use a fictions name herewith.
LINKING 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, our Company 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 we 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. Our Company does not permit third-party advertising on our website. Except with our express written permission, 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 AND MODIFICATIONS You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by an authorized representative of our Company.
LOCATION You understand and acknowledge that our Company 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 IDs AND PASSWORDS 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 us 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.
PRIVACY AND SECURITY For information on how our Company uses and protects the personal information that you may provide through this website, please visit: LINK TO ONLINE PRIVACY POLICY INDEMNIFICATION If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify Mortgage Broker Compliance Consultants, LLC and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of Mortgage Broker Compliance Consultants, LLC and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney's fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.
DISCLAIMERS 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, OUR COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. OUR COMPANY 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. WE HAVE NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT ENTER COMPANY NAME 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, OUR COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE MAKE 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 OUR COMPANY, 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 OUR COMPANY 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 WE 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 OUR COMPANY’S 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. COMMUNICATIONS WITH COMPANY
Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by our Company in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as be specifically provided for in writing signed by an authorized representative of our Company. Credit Reports: By applying for credit, you are authorizing us 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, 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, 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. CONTACT METHODS AND OPT-OUT Agreement to calls and information sharing: If you submit information through this website or otherwise you are making an inquiry as to lending programs and services offered by our Company. You understand and agree that if you submit an inquiry, we may share the information that you provide, including, but not limited to, your full name, birth date, address, telephone number, and social security number with our affiliates so that they may respond to your inquiry. You authorize us to share your information, either as provided by you or as corrected by us. You acknowledge that our Company is not a party to any agreement that you may make with an affiliate, and that the affiliate is solely responsible for its services to you. You understand that requirements for a particular product or service, including a mortgage, are determined by the affiliates and that we do not endorse, warrant, or guarantee the products or services of any of its affiliates. Nothing in these Terms of Use or on this website constitutes an offer for a loan commitment or interest rate lock agreement. You agree that our Company shall not be liable for any damages or costs which arise from your use of the affiliates' goods or services. By submitting your contact request for a loan product, you are consenting to be contacted by one or more Affiliates by our mortgage team by telephone (on a recorded line), automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the Affiliates and Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an Affiliate or Partner, you agree to notify the Affiliate or Partner directly. You can opt-out of various contact methods here: OPTOUT@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM.
APPLICATION OF ADDITIONAL TERMS You acknowledge that certain features of this website, as well our other products and services, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.
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 we may rely.
YOUR COOPERATION NEEDED Our Company 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 we may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify us of any changes in any information submitted in connection with your application.
REASONABLE EFFORTS While our Company 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 processes are not under our control. For example, our Company cannot be responsible for delays in loan approval or closing due to: the delayed receipt of an appraisal the delay in receiving required documentation your existing home not selling issues revealed by a title commitment or survey any other matters beyond our reasonable control.
GOVERNING LAW You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Maryland, 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 of Use or the use of this website shall be filed only in the state or federal courts located in HARFORD COUNTY, MARYLAND, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
SEVERABILITY You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforcability of such other provisions.
DISCLOSURES AND LICENSES For disclosures and licensing information please visit: www.mortgagebrokercomplianceconsultants.com/disclosures
PAGE COPYRIGHT VIOLATIONS Our Company is committed to protecting copyrights and expects you to do the same. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on our website infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on our website infringes a copyright, or any valid intellectual property right, please provide the following information to our Compliance Officer. A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed Identification of the copyrighted work claimed to have been infringed, and details as to their locations within the website Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law and A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Please provide this information to our Compliance Officer, who can be reached as follows: By Mail: MBCC, LLC, 1200C Agora Drive, #136, Bel Air, MD 21014 By E-Mail: INFO@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM
YOUR CALIFORNIA PRIVACY RIGHTS California Civil Code § 1798.83 permits our visitors who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to: INFO@MORTGAGEBROKERCOMPLIANCECONSULTANTS.COM or write us: MBCC, LLC, 1200C Agora Drive, #136, Bel Air, MD 21014
EQUAL OPPORTUNITY EMPLOYER The Company is an equal opportunity employer. Any complaints or concerns about the Company's employment practices may be directed to the Director of Human Resources at 866-636-1693.
