Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This document contains several critical clauses that users should be aware of. The company reserves the right to terminate your access to the website and its services at any time, with or without cause, and without prior notice. Furthermore, the company disclaims liability for any direct, indirect, special, incidental, or consequential damages and for any viruses that may infect your equipment from website use (risk_flags-3). You are also required to indemnify the company against third-party claims arising from your use of the website in violation of terms or law (risk_flags-4).
Additionally, by providing your phone number, you consent to receive SMS communications from the company, its subsidiaries, and service provider partners. Your submitted information can be broadly used and manipulated for service fulfillment (data_use-2). The company can contact third parties to verify your employment and income and your real estate agent to discuss your loan details (data_use-4), all based on your consent. The company can modify or terminate text messaging services without notice (cancellation_renewal-1).
You are responsible for any losses incurred due to the website's unavailability beyond the company's control and for problems caused by your own equipment or internet connection (gotchas-2).
90% confidence
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Risk Flags
2 findings
Critical issues that may result in significant harm to the user.
high95% confidence
Disclaimer of responsibility for viruses
The company and its subsidiaries assume no responsibility and shall not be liable for any viruses that may infect or damage your computer equipment or other property as a result of your access to, use of, or browsing of this website or downloading materials from it.
Why it matters: You bear the full risk of your devices being infected or damaged by viruses when using or browsing the website or downloading content, and the company will not be held responsible for these damages.
WE AND OUR SUBSIDIARIES ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEBSITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR THE WEB.
Your Information, paragraph 2 · Citation strength: strong
high90% confidence
User indemnifies company for third-party claims
You agree to indemnify and hold the company and its subsidiaries harmless from any claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by the company due to a third-party claim (including intellectual property claims) arising from your use of the website in violation of the Terms of Use or applicable law.
Why it matters: You could be held financially responsible for legal costs and damages if a third party makes a claim against the company that is related to your use of the website and violates the terms or law.
You agree to indemnify and hold us and/or our subsidiaries harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of your use of the website in violation of these Terms of Use or in violation of any applicable law.
Your Information, paragraph 2 · Citation strength: strong
Data Use
2 findings
How the company collects, uses, and shares your data.
medium85% confidence
Broad rights to user-submitted information for service fulfillment
By submitting your information (excluding non-public personal information for public display), you grant the company, its affiliated companies, and necessary vendors permission to use your information to fulfill service requests. This permission includes copying, distributing, transmitting, reproducing, editing, translating, and reformatting your information.
Why it matters: Your submitted information can be extensively used and manipulated by the company, its affiliates, and third-party vendors for the purpose of fulfilling your service requests. While non-public personal information won't be publicly displayed, other uses are broad.
However, by posting, uploading, inputting, providing, or submitting Your Information, you are granting us, our affiliated companies, and any vendors necessary to the course of your transaction 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.
Your Information, paragraph 1 · Citation strength: strong
medium90% confidence
Consent to communicate with your real estate agent
By providing the contact information of your real estate agent, you consent to the company and its affiliates contacting your agent to discuss your loan, including its status, milestones, and timelines towards closing.
Why it matters: Your real estate agent may be contacted by the company and its affiliates to discuss details of your loan, which could include sensitive financial or personal information related to your transaction.
By providing us with the contact information of your real estate agent, you are providing written consent permitting us and/or our affiliates to contact your real estate agent to discuss your loan, including status, milestones and timelines towards closing.
Your Information, paragraph 1 · Citation strength: strong
Cancellation & Renewal
1 finding
How to cancel the service, and how renewals are handled.
medium90% confidence
SMS text messaging services can be modified or terminated without notice
The company may modify or terminate its text messaging services at any time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you.
Why it matters: The company can change or stop its text messaging services, including notifications, at any time without telling you beforehand and without being responsible for any inconvenience or issues this may cause you.
Message frequency depends on account status or settings. We may modify or terminate our 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.
Content, paragraph 2 · Citation strength: strong
Gotchas
1 finding
Potentially surprising or confusing clauses that may be to your detriment.
medium90% confidence
User is responsible for losses from personal equipment or internet issues
The company and its subsidiaries are not responsible for any loss, damages, costs, or expenses you suffer due to your inability to access the website, caused directly or indirectly by your computer or mobile device, your internet connection, your ISP, or internet limitations.
Why it matters: You are solely responsible for any losses or damages that result from problems with your personal computer, mobile device, internet connection, or internet service provider that prevent you from accessing the website.
We and our subsidiaries shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the website caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet.
Content, paragraph 1 · Citation strength: strong
Protections
1 finding
Clauses that work to your benefit.
Protection95% confidence
Method to unsubscribe from SMS notifications provided
You may withdraw your consent to receive SMS Account Notifications by replying with "STOP, END, CANCEL. UNSUBSCRIBE, or QUIT" or by calling the provided phone number at any time.
Why it helps: You have a clear and straightforward method to stop receiving text message notifications, offering control over unwanted communications.
How to Unsubscribe: You may withdraw your consent to receive SMS Account Notifications by replying with “STOP, END, CANCEL. UNSUBSCRIBE, or QUIT” or by calling us at 415-523-8837 at any time.
Content, paragraph 1 · Citation strength: strong
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