Privacy Policy

EMAIL POLICY

Communicating with us through email can be convenient but the effectiveness of email messages is often limited and at times may be brief and informal. Due to various forms of simultaneous communication and other limiting factors, emails may not provide an accurate representation of our relationship regarding obtaining a loan. Typically, our communication may be performed through various forms of communication, including email, phone calls, text messages, letters, in-person conversations, and other forms. An email, by itself, may not accurately represent our entire communication or our intentions and may be susceptible to being taken out of context. All official matters regarding a loan should be confirmed in signed writing.

Receipt of Your Email

Sending us an email does not constitute putting us on notice of any matters included within a particular email. Time-sensitive information may not be received or reviewed by us in a timely manner. Emails sent to us undergo viruses and spam filters which may delay and/or reject receipt of certain emails. In the case of an urgent communication, please reach out to us by telephone and confirm the call in writing through email or other form.

Email Monitoring and Unsecure Emails

Email operates via the Internet, and we cannot guarantee that email messages you send to us, or we send to you, are secure, complete, or free from viruses or that an email will not be lost, intercepted, destroyed, delayed, or prevented from reaching us. We advise against sending any time-sensitive or personally identifiable information through email and we disclaim any and all liability with regard to any email if such email is lost, intercepted, destroyed, delayed, or prevented from reaching us.

All incoming and outgoing emails from us are subject to our monitoring by individuals who are not the specified recipient or sender whether any notice of such monitoring is given to the recipient or sender. We also may record or monitor other communication you have with us through other forms of communication, such as our website, text messages, social media, telephone, etc. Your use of forms of communication with us is your consent to the recording and monitoring of this communication.

Viruses and Emails from Us

A computer virus can be transmitted through email, attachments, and links embedded in emails. Although we believe our emails are free of any viruses or other defects that might affect a receiving computer system that receives such messages, it is the recipient’s responsibility to make sure that any email they open is free of viruses or other defects. We are not responsible for any loss or damage arising in any way from the receipt, use, storage, or transmission of our emails. If we forward an email or reply to a previous email, the content of such email may include information created by someone other than us or our employees/agents and we assume no liability whatsoever for such information. WE DISCLAIM ANY REPRESENTATION OR WARRANTY THAT OUR EMAILS ARE VIRUS FREE AND/OR ERROR FREE. Any use of email to introduce any virus, malicious or disabling code, or to otherwise obstruct any of our emails, other communication, or computer systems is prohibited and in violation of the law. Violators will be fully prosecuted under the law.

Electronic Signature Disclaimer

All emails received by you from us shall not constitute an electronic signature unless we provide explicit and specific language in the email stating otherwise. If you receive an email communication from us, such email is not intended to provide or confirm an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement for us to offer a loan. Documents and agreements, in most cases, are sent to you in a formal and signed writing from us.

Privileged and Confidential Information

Emails which include our legal and compliance departments may contain privileged information that is subject to the attorney/client privilege and/or the attorney/work product privilege. Any privilege attached to this information will not be waived if you inadvertently receive such information through email. If you receive an email and you are not the intended recipient, please notify the sender and delete or destroy the communication. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is prohibited.

Email Content Disclaimer

We disclaim any and all liability, which includes responsibility based upon negligence or negligent misstatement, for the correctness, comprehensiveness, or reliability of the data and information provided through our emails and we make no warranty, express or implied, with respect to such data or information.