Policies

Terms & Conditions (Last updated: October 18, 2017 )

Hello and welcome to Loan Factory Terms & Conditions!

These Terms & Conditions ("Terms") cover your use of and access to the sites, templates, products, applications, tools and features (collectively, the "Services") provided by Loan Factory, Inc. (together with its officers, directors, employees, agents, subsidiaries and affiliates, “Loan Factory”). Our Privacy Policy explains what personal information we collect and how it's used and shared, and our Acceptable Use Policy outlines some of your responsibilities when using the Services.

By using or accessing the Services, you're agreeing to these Terms, our Privacy Policy and our Acceptable Use Policy (collectively, this “Agreement”). If you're using the Services for an organization, you're agreeing to this Agreement on behalf of that organization, and represent and warrant that you can do so. If you don't agree to all the terms in this Agreement, you may not use or access the Services.

While we're not your lawyers, we do want to say: Please read this Agreement carefully! It includes important information about your legal rights, and covers areas such as automatic subscription renewals, warranty disclaimers, limitations of liability, resolution of disputes by arbitration and a class action waiver.

We've tried to make this Agreement fair and straightforward, but feel free to contact us if you have any questions or suggestions.

1. Creating an Account

Make sure your account information is accurate, and you keep your account safe. You're responsible for your account and any activity on it. Also, you need to be at least 13 years old to use Loan Factory.

1.1 Signing Up
To use the Services, you must first create an account (“Account”). You agree to provide us with accurate, complete and updated information for your Account. We may need to use this information to contact you.
1.2. Staying Safe
Please safeguard your Account and make sure others don't have access to your Account or password. You must immediately notify us of any actual or suspected loss, theft or unauthorized use of your Account or password. You're solely responsible for any activity on your Account. We're not liable for any acts or omissions by you in connection with your Account.
1.3. Thirteen And Older
The Services are not intended for and may not be used by children under the age of 13. By using the Services, you represent that you're at least 13. Also, if you're under the age of 18, you must have your parent or guardian's consent to this Agreement, and they may need to enter into this Agreement on your behalf (depending on where you live).

2. Your Content

2.1 Your User Content Stays Yours
Users of the Services may provide us with content, including without limitation text, photos, images, audio, video, code and any other materials (“User Content"). Your User Content stays yours. These Terms don't give us any rights to User Content, except for the limited rights that enable us to provide, improve, promote and protect the Services as described herein.
2.2. Your License To Us
When you provide User Content via the Services, you grant Loan Factory a non-exclusive, worldwide, perpetual, royalty-free, sublicensable, transferable right and license to use, host, store, reproduce, modify, create derivative works of (such as those resulting from translations, adaptations or other changes we make so that User Content works better with the Services), communicate, publish, publicly display, publicly perform and distribute User Content for the limited purposes of allowing us to provide, improve, promote and protect the Services.
2.3. Featuring Your Site
We may use in perpetuity, worldwide and free of charge, any version of Your Sites (as defined below), or any portion thereof, for the limited purpose of Loan Factory marketing and promotional activities. For example, we may feature Your Sites on our Templates page, or on our social media accounts. This can result in improved traffic to Your Sites. You waive any claims against us relating to any moral rights, artists' rights or any other similar rights worldwide that you may have in or to Your Sites, and any right of inspection or approval of any such use of Your Sites. If you don't want Your Sites featured, you can opt out at anytime via the Services or by contacting us.

3. Your Responsibilities

3.1. Only Use Content You're Allowed To Use
You represent that you own all rights to your User Content or otherwise have (and will continue to have) all rights and permissions to legally use, share, display, transfer and license your User Content via the Services. If we use your User Content in the ways contemplated in this Agreement, you represent that such use will not infringe or violate the rights of any third party, including without limitation any copyrights, trademarks, privacy rights, publicity rights, contract rights or any other intellectual property or proprietary rights. Content on the Services may be protected by others' intellectual property or other rights, so please don't copy, upload, download or share content unless you have the right to do so.
3.2. Follow Our Rules
You're responsible for your conduct and User Content, and you must comply with our Acceptable Use Policy. We may review your conduct and User Content for compliance with these Terms and our Acceptable Use Policy. With that said, we have no obligation to do so. We're not responsible for User Content.
3.3. Follow The Law
You represent that your use of the Services is not contrary to law, including without limitation applicable US export controls, regulations and sanctions.
3.4. Share Responsibly
The Services let you share User Content with others, including without limitation on social media and the open web, so please think carefully about what you share. We're not responsible for what you share via the Services.
3.5. Your Sites And Your End Users Are Your Responsibility
You may use the Services to create or publish sites, online stores and other products or services (“Your Sites”), and Your Sites may have their own visitors and users (“End Users”). You understand and agree that Your Sites and your End Users are your responsibility, and you're solely responsible for compliance with any laws or regulations related to Your Sites and your End Users, including without limitation the posting of your own privacy policy. We're not liable for, and won't provide you with any legal advice regarding, Your Sites or your End Users.

4. Third Party Services And Sites, User Content

4.1. Third Party Services
The Services are integrated with various third party services, applications and sites (collectively, “Third Party Services”) that may make available to you their content and products, such as domain and email services, or marketplaces to connect customers and vendors. These Third Party Services may have their own terms and policies, and your use of them will be governed by those terms and policies. We don't control Third Party Services, and we're not liable for Third Party Services or for any transaction you may enter into with them. Your security when using Third Party Services is your responsibility.You also agree that we may, at any time and in our sole discretion, and without any notice to you, suspend, disable access to or remove any Third Party Services. We're not liable to you for any such suspension, disabling or removal, including without limitation for any loss of profits, revenue, data, goodwill or other intangible losses you may experience as a result thereof (except where prohibited by law).
4.2. Third Party Sites
The Services may contain links to third party sites. When you access third party sites, you do so at your own risk. We don't control and aren't liable for those sites.
4.3. User Content
We haven't reviewed and can't review all of the User Content made available via the Services. The Services may contain User Content: (a) that is offensive or objectionable; (b) that contains errors; (c) that violates intellectual property, privacy, publicity or other rights of third parties; (d) that is harmful to your computer or network; or (e) the downloading, copying or use of which is subject to additional terms and policies. By operating the Services, we don't represent or imply that we endorse User Content provided therein, or that we believe such User Content to be accurate, useful or non-harmful. We're not a publisher of, and we're not liable for, any User Content uploaded, posted, published or otherwise made available via the Services. You're responsible for taking precautions to protect yourself, and your computer or network, from User Content accessed via the Services.

5. Our Intellectual Property

5.1. Loan Factory Owns Loan Factory
The Services are protected by copyright, trademark and other US and foreign laws. These Terms don't grant you any right, title or interest in the Services, our trademarks, logos or other brand features or intellectual property, or others' content in the Services. You agree not to change, translate or otherwise create derivative works of the Services.
5.2. We Can Use Your Feedback For Free
We welcome your feedback, ideas or suggestions (“Feedback”), but you agree that we may use your Feedback without any restriction or obligation to you, even after this Agreement is terminated.
5.3. Our Demo Content Is For Private Use Only
We may provide templates or other products featuring demo content including without limitation text, photos, images, graphics, audio, video and other materials (“Demo Content”), to provide you with ideas or inspiration. However, Demo Content is for private use only (unless we tell you otherwise). You agree that you will not distribute, publicly display, publicly perform or otherwise publish any Demo Content (or any portion thereof).
5.4. Our Betas Are Still In Beta
We may release products and features that we're still testing and evaluating. Those Services have been marked as beta, preview or early access (or a similar phrasing), and may not be as reliable as our other services, so please keep that in mind.
5.5. We Use Open Source Software
Open source software is important to us. Some of the software used in the Services may be offered under an open source license that we may make available to you. There may be provisions in the open source license that override some of these Terms.

6. Our Rights

6.1. Important Things We Can Do
We reserve these rights, which we may exercise at any time and in our sole discretion, and without liability or notice to you (except where prohibited by law): (a) we may change the Services and their functionality; (b) we may restrict access to or use of parts or all of the Services; (c) we may suspend or discontinue parts or all of the Services; (d) we may terminate, suspend or restrict your access to or use of parts or all of the Services; (e) we may terminate, suspend or restrict access to your Account or Your Sites; and (f) we may change our eligibility criteria to use the Services (and if such eligibility criteria changes are prohibited by law where you live, we may revoke your right to use the Services in that jurisdiction).
6.2. How We Handle Ownership Disputes
Sometimes, ownership of an Account or site is disputed between one or more parties, such as a business and its employee, or a web designer and their client. We try not to get involved in these disputes. However, we reserve the right, at any time and in our sole discretion, and without notice to you, to determine rightful Account or site ownership and to transfer an Account or site to the rightful owner. If we can't reasonably determine the rightful owner, we reserve the right to suspend an Account or site until the disputing parties reach a resolution. We also may request documentation, such as a government-issued photo ID, a credit card invoice or a business license, to help determine the rightful owner.
6.3. HTTPS Encryption
We may offer HTTPS encryption for Your Sites. By registering a custom domain via the Services, or pointing a custom domain to the Services, you authorize us to create and maintain a certificate for the limited purpose of providing HTTPS for Your Sites.

7. Privacy

Our Privacy Policy explains how we collect, use and share your and your End Users' information. By using the Services, you agree to our collection, use and sharing of information as set forth in the Privacy Policy.

8. Copyright

We respect the intellectual property of others and ask that you do too. We respond to notices of alleged copyright infringement if they comply with the law, and such notices should be reported via the process described in our Copyright Policy, which is incorporated by reference into this Agreement. We reserve the right to delete or disable content alleged to be infringing, and to terminate Accounts of repeat infringers without any refunds.

9. Paid Services And Fees

9.1. Fees
You can access certain portions of the Services by submitting a fee payment (such additional services, “Paid Services”). For example, to publish Your Sites publicly, you'll need to pay a subscription fee. Paid Services will remain in effect until cancelled or terminated in accordance with this Agreement. We'll tell you about fees for Paid Services before charging you. You may cancel Paid Services at any time by contacting us. If you don't pay for Paid Services on time, we reserve the right to suspend or cancel your access to the Paid Services. Transaction fees and additional fees may also apply to certain portions of the Services, and we'll tell you about those fees before charging you. Our fees will appear on an invoice that we provide via the Services, unless otherwise indicated.
9.2. Taxes
All fees are exclusive of applicable federal, state, local or other taxes (“Taxes”). You're responsible for all applicable Taxes, and we'll charge Taxes in addition to the fees for the Services when required to do so. If you're exempt from Taxes, you must provide us with a valid tax exemption certificate (we reserve the right to determine whether a certificate is valid). Tax exemption will only apply from and after the date we receive such certificate.
9.3. Automatic Subscription Renewals. To ensure uninterrupted service, we'll automatically bill you for certain Paid Services from the date you submit your initial payment and on each renewal period thereafter until cancellation. Your renewal period will be equal in time to the renewal period of your current subscription. For example, if you're on a monthly subscription plan, each billable renewal period will be for one month. We'll automatically charge you the applicable amount using the payment method you have on file with us. We'll let you know in advance if you're purchasing a Paid Service that includes auto-renewal payments. You can disable auto-renewal at any time by contacting us.
9.4. Refunds
While you may cancel any Paid Services at any time, you won't be issued a refund except in our sole discretion, or if legally required.
9.5. Fee Changes
We may change our fees at any time. When applicable, we'll give you advance notice of these fee changes via the Services. New fees will not apply retroactively. If you don't agree with the fee changes, you have the right to reject the change by cancelling the applicable Paid Service before your next payment date.
9.6. Chargebacks
If you contact your bank or credit card company to decline, chargeback or otherwise reverse the charge of any payable fees to us (“Chargeback”), we may automatically terminate your Account. If you have questions about a payment made to us, we encourage you to contact us before filing a Chargeback. We reserve our right to dispute any Chargeback.
9.7. Our Payment Processor
We use a third party payment processor (the “Payment Processor”) to bill you through a payment account linked to your Account. The processing of payments will be subject to the terms, conditions and privacy policies of the Payment Processor, in addition to this Agreement. Our current Payment Processor is PayPal, and your payments are processed by PayPal in accordance with PayPal's Terms of Service and Privacy Policy. We don't control and are not liable for the security or performance of the Payment Processor. You agree to pay us, through the Payment Processor, all charges at the prices then in effect for any purchase in accordance with the applicable payment terms. You agree to make payment using the payment method you provide with your Account. We reserve the right to correct, or to instruct our Payment Processor to correct, any errors or mistakes, even if payment has already been requested or received.
9.8. Fees For Third Party Services
Third Party Services purchased via the Services may be subject to different refund policies that those Third Party Services determine, and they may be non-refundable. The purchase terms and conditions for such Third Party Services will be displayed during the purchase process, such as through a link to the purchase terms and conditions. It's your responsibility to verify your ability to purchase, cancel or obtain a refund for a Third Party Service. We don't offer refunds for purchases of Third Party Services.

10. Your eCommerce On Loan Factory

10.1. eCommerce Responsibilities
The Services include features that enable you to provide or sell products and services to, or otherwise collect payments from, your End Users (such activities, “Your eCommerce”). We're not a party to, and we aren't liable for, Your eCommerce. You're solely responsible for Your eCommerce, and compliance with any laws or regulations related thereto, including without limitation the following:
- 10.1.1. Taxes
  You're solely responsible for: (a) all Taxes and fees associated with Your eCommerce, including without limitation any Taxes related to the purchase or sale of products or services in connection therewith; (b) collecting, reporting and remitting required Taxes to relevant government authorities; and (c) informing your End Users of required Taxes, and providing them with invoices as required by law. You also agree that any tax estimates, reporting or related materials that we may provide via the Services are for illustration purposes only, and you may not rely on them to comply with your tax obligations.
- 10.1.2. Fulfillment And Delivery
  You're solely responsible for fulfilling and delivering your products and services to your End Users.
- 10.1.3. Claims and Warranties
  You're solely responsible for any claims or warranties you make in connection with Your eCommerce.
- 10.1.4. Customer Service
  You're solely responsible for handling any comments or complaints related to Your eCommerce, including without limitation any issues related to payments, promotions, refunds or chargebacks. You agree to provide accurate and complete contact information on Your Sites so that your End Users can submit comments or complaints to you.
- 10.1.5. Site Terms, Policies And Legal Compliance
  You agree to post and make clearly available on Your Sites a privacy policy, and any other terms or policies that may be required by law, and you warrant that Your Sites and Your eCommerce will comply with all applicable laws and regulations. You agree that we won't provide any legal advice regarding such terms, policies or compliance. Be sure to read our Privacy Policy to learn more about disclosures to your End Users regarding your use of the Services.
10.3. eCommerce Suspensions
While we'd prefer not to, we may, at any time and in our sole discretion, and without any notice to you, suspend, disable access to or remove your Account, Your Sites or Your eCommerce, without any liability to you or to any End Users, including without limitation for any loss of profits, revenue, data, goodwill or other intangible losses (except where prohibited by law). For example, we may suspend Your eCommerce if you're violating this Agreement.
10.4. eCommerce Payment Processor
To accept payments from your End Users in connection with Your eCommerce, you may integrate Your Sites with third party payment processors (“eCommerce Payment Processors”). Your relationship with such eCommerce Payment Processors is governed by those eCommerce Payment Processors' terms and policies. We don't control and aren't liable for any eCommerce Payment Processors, or for any transaction you may enter into with or through any eCommerce Payment Processors. eCommerce Payment Processors are Third Party Services, as defined in Section 4.1. While we will try to provide advance notice, you agree that we may, at any time and in our sole discretion, and without any notice to you, suspend, disable access to, or remove from the Services, any eCommerce Payment Processors, without any liability to you or to any End Users, including without limitation for any loss of profits, revenue, data, goodwill or other intangible losses (except where prohibited by law). Your eCommerce Payment Processors may provide invoices for any transaction fees associated with your eCommerce transactions.

11. Term And Termination

This Agreement will remain in effect until terminated by either you or us. To terminate this Agreement, you may contact us or simply stop using the Services at any time. We reserve the right to suspend or terminate the Services at any time at our sole discretion and without notice. For example, we may suspend or terminate your use of the Services if you're violating these Terms or our Acceptable Use Policy. All sections of this Agreement that by their nature should survive termination shall survive termination, including without limitation Your Content, Our Intellectual Property, Warranty Disclaimers, Limitation Of Liability, Indemnification, Dispute Resolution and Additional Terms.

12. Warranty Disclaimers

To the fullest extent permitted by law, Loan Factory makes no warranties, either express or implied, about the Services. The Services are provided “as is.” Loan Factory also disclaims any warranties of merchantability, fitness for a particular purpose and non-infringement. No advice or information, whether oral or written, obtained by you from Loan Factory shall create any warranty. Loan Factory makes no warranty or representation that the Services will: (a) be timely, uninterrupted or error-free; (b) meet your requirements or expectations; or (c) be free from viruses or other harmful components. Some places don't allow the disclaimers in this paragraph, so they may not apply to you.

13. Limitation Of Liability

To the fullest extent permitted by law, in no event will Loan Factory be liable with respect to any claims arising out of or related to the Services or this Agreement for: (a) any indirect, special, incidental, exemplary, punitive or consequential damages; (b) any loss of profits, revenue, data, goodwill or other intangible losses; (c) any damages related to your access to, use of or inability to access or use the Services or any portion thereof, including without limitation interruption of use or cessation or modification of any aspect of the Services; (d) any damages related to loss or corruption of any content or data, including without limitation User Content and eCommerce data; (e) any User Content or other conduct or content of any user or third party using the Services, including without limitation defamatory, offensive or unlawful conduct or content; or (f) any Third Party Services or third party sites accessed via the Services. These limitations apply to any theory of liability, whether based on warranty, contract, tort, negligence, strict liability or any other legal theory, whether or not Loan Factory has been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed its essential purpose. To the fullest extent permitted by law, in no event shall the aggregate liability of Loan Factory for all claims arising out of or related to the Services and this Agreement exceed the greater of twenty dollars ($20) or the amounts paid by you to Loan Factory in the twelve (12) months immediately preceding the event that gave rise to such claim. Some places don't allow the types of limitations in this paragraph, so they may not apply to you.

14. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless Loan Factory from and against all damages, losses and expenses of any kind (including without limitation reasonable attorneys' fees and costs) arising out of or related to: (a) your breach of this Agreement; (b) your User Content, Your Sites and Your eCommerce; (c) any claims from your End Users; and (d) your violation of any law or regulation or the rights of any third party.

15. Dispute Resolution

15.1. Informal Resolution
Before filing a claim against Loan Factory, you agree to try to resolve the dispute by first emailing info@loanfactory.com with a description of your claim. We'll try to resolve the dispute informally by following up via email, phone or other methods. If we can't resolve the dispute within thirty (30) days of our receipt of your first email, you or Loan Factory may then bring a formal proceeding.
15.2. Arbitration Agreement.You and Loan Factory agree to resolve any claims arising from or relating to the Services or this Agreement through final and binding arbitration and you and Loan Factory expressly waive trial by jury, except as set forth below. Discovery and rights to appeal in arbitration are generally more limited than in a lawsuit, and other rights that you and we would have in court may not be available in arbitration. There is no judge or jury in arbitration, and court review of an arbitration award is limited.
15.3. Arbitration Opt-Out.You can decline this agreement to arbitrate by emailing us at info@loanfactory.com within thirty (30) days of the date that you first agree to this Agreement (“Opt-Out Period”). Your email must be sent from the email address you use for your Account, and must include your full name, residential address and a clear statement that you want to opt out of arbitration. If you opt out of arbitration pursuant to this Section 15.3, then Sections 15.2, 15.4, 15.5 and 15.6 of these Terms do not apply to you. This opt-out doesn't affect any other sections of the Terms, including without limitation Sections 15.8 (Judicial Forum For Disputes; Time For Filing), 15.9 (No Class Actions) and 16.2 (Controlling Law). If you have any questions about this process, please contact info@loanfactory.com.
15.4. Arbitration Time For Filing
Any arbitration must be commenced by filing a demand for arbitration within one year after the date the party asserting the claim first knows or reasonably should know of the act, omission or default giving rise to the claim. If applicable law prohibits a one year limitation period for asserting claims, any claim must be asserted within the shortest time period permitted by applicable law.
15.5. Arbitration Procedures
JAMS, Inc. (“JAMS”) will administer the arbitration in accordance with the JAMS Streamlined Arbitration Rules & Procedures in effect at the time of the dispute. You and Loan Factory agree that this Agreement affects interstate commerce, so the US Federal Arbitration Act and federal arbitration law apply and govern the interpretation and enforcement of these provisions (despite the choice of law provision below). Any arbitration hearings will take place at a location to be agreed upon in New York, New York, in English, and shall be settled by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with the JAMS Rules. The arbitrator must follow this Agreement and can award the same damages and relief as a court (including without limitation reasonable attorneys' fees and costs), except that the arbitrator may not award declaratory or injunctive relief benefiting anyone but the parties to the arbitration. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction.
15.6. Arbitration Fees
The JAMS Rules will govern payment of all arbitration fees. We won't seek our attorneys' fees and costs in arbitration unless the arbitrator determines that your claim is frivolous.
15.7. Exceptions To Arbitration Agreement
Either you or Loan Factory may assert claims, if they qualify, in small claims court in San Jose, California or any United States county where you live or work. Either you or Loan Factory may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Services, or intellectual property infringement or misappropriation (for example, trademark, trade secret, copyright or patent rights) without first engaging in arbitration or the informal dispute resolution process described above.
15.8. Judicial Forum For Disputes; Time For Filing
If our agreement to arbitrate is found not to apply to you or your claim, or if you opt out of arbitration pursuant to Section 15.3, you and Loan Factory agree that any judicial proceeding (other than small claims actions) must be brought exclusively in the federal or state courts of San Jose, California and you and Loan Factory consent to venue and personal jurisdiction in those courts. Any claim not subject to arbitration must be commenced within one year after the date the party asserting the claim first knows or reasonably should know of the act, omission or default giving rise to the claim. If applicable law prohibits a one year limitation period for asserting claims, any claim must be asserted within the shortest time period permitted by applicable law.
15.9. NNO CLASS ACTIONS. You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated or representative action. Class actions, class arbitrations, private attorney general actions and consolidation with other arbitrations aren't allowed.

16. Additional Terms

16.1. Entire Agreement
This Agreement constitutes the entire agreement between you and Loan Factory regarding the subject matter of this Agreement, and supersedes and replaces any other prior or contemporaneous agreements, or terms and conditions applicable to the subject matter of this Agreement. This Agreement creates no third party beneficiary rights.
16.2. Controlling Law
This Agreement and the Services shall be governed in all respects by the laws of the State of New York, without regard to its conflict of law provisions.
16.3. Waiver, Severability And Assignment
Our failure to enforce any provision of this Agreement is not a waiver of our right to do so later. If any provision of this Agreement is found unenforceable, the remaining provisions will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible. You may not assign any of your rights under this Agreement, and any such attempt will be void. We may assign our rights under this Agreement to any of our affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.
16.4. Modifications. We may modify this Agreement from time to time, and will always post the most current version on our site. If a modification meaningfully reduces your rights, we'll notify you (by, for example, sending you an email or displaying a prominent notice within the Services). The notice will designate a reasonable period after which the new terms will take effect. Modifications will never apply retroactively. By continuing to use or access the Services after any modifications come into effect, you agree to be bound by the modified Agreement. If you disagree with our changes, then you should stop using the Services.
16.5. Translation
This Agreement was originally written in English (US). We may translate this Agreement into other languages. In the event of a conflict between a translated version and the English version, the English version will control.

17. SMS Term and Condition

17.1. SMS Consent Communication
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
17.2. Types of SMS Communications
If you have consented to receive text messages from Loan Factory, you may receive messages related to external conversation such as responding to inquiries, providing support on the mortgage application, updating the loan status, and following up with the required documents for mortgage purposes
17.3. Message Frequency
Message frequency may vary depending on the type of communication. For example, you may receive up to 5 weekly SMS messages related to your loan transaction
17.4. Potential Fees for SMS Messaging
Standard message and data rates may apply depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
17.5. Opt-In Method
You may opt-in to receive SMS messages from Loan Factory by submitting an online form
17.6. Opt-Out Method
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
17.7. Help
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at www.loanfactory.com/contact-us or (660) 333-3333
17.8. SMS disclosure:
- If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
- Message and data rates may apply.
- You can opt-out at any time by texting "STOP."
- For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
- Message frequency may vary.

Thanks for visiting Loan Factory! This Privacy Policy describes what information we collect and how it's used and shared. Note that any capitalized terms not defined in this Privacy Policy have the meanings set forth in our Terms & Conditions. If you don't agree with the terms of this Privacy Policy, you may not access or use the Services. If you have any comments or questions about this Privacy Policy, feel free to contact us.

1. Core Principles

When it comes to your personal information we believe in transparency, not surprises. So before we get into the details, we want to share with you a few of our core privacy principles. First, we don't sell your personal information to anyone. It's just not the type of business we're in. Second, we don't ask for your personal information unless we need it to provide or improve the Services for you. Third, we don't share your personal information unless you've specifically allowed it, or for the very limited purposes described below. Finally, we appreciate that when you use our Services, you trust us with your information, and we take that responsibility very seriously. This Privacy Policy holds us accountable for protecting your rights and your privacy.

2. Collection

When you use the Services, we collect the following information, and use it only as described below:

2.1. Account Information
This may include your name, address, email address and phone number. We use this information in the ways you would expect, such as to set up your Account or contact you.
2.2. Third Party Account Information
If you use Third Party Services, such as social media or photo-sharing services, you may provide us with your Third Party Services account information, such as your username (note that we don't store any passwords you use to access Third Party Services). We transmit, and may store, such account information, only as needed to provide the Services, and only in accordance with the terms and policies of the Third Party Services.
2.3. Communications With Us
When you send us emails or other communications, such as customer support inquiries, we maintain those communications and their contents so that we can resolve your inquiries or otherwise assist you.
2.4. Public Comments On The Services
We maintain any comments, contributions to discussions or messages submitted to users of the Services, in order to provide the Services.
2.5. Files You Provide Us
When you use the Services, we store, process and transmit your User Content (such as your photos) and information related to your User Content. We process and store such files and information in order to provide the Services, as described in our Terms & Conditions.
2.6. Usage Information
This includes information about your activity on and interaction with the Services, such as your IP address, your device or browser type, the webpage you visited before coming to our sites and identifiers associated with your devices. This information enables us to analyze how the Services are being accessed and used, and to track performance of the Services.
2.7. Location Information
Your devices (depending on your settings) may transmit location information to the Services. We use this information to customize, improve and protect the Services. For example, we may use your location information to determine local language preferences, or to geotag a post.
2.8. Cookies And Other Technologies
We use these technologies to do things such as remember your preferences, keep you safe and improve and promote the Services. You can read more about how we use these technologies in our Cookie Policy, which is incorporated by reference into this Privacy Policy.

3. Sharing

When you use the Services, we may share your information only as described below:

3.1. Third Parties You Authorize
You can give third parties access to your and your End Users' information on the Services. For example, you may wish to integrate Your Sites with a third party newsletter service that requires access to the email addresses you collect from your End Users, in order for that newsletter service to send emails on your behalf and at your direction. Just remember that such third party's use of this information will be governed by the terms and privacy policies of the third party.
3.2. Following The Law
We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to comply with the law, protect our rights or prevent fraud or abuse of Loan Factory or our users. When we receive law enforcement or national security requests for information, we strongly believe in privacy and transparency. We scrutinize such requests carefully and challenge vague, overbroad or otherwise unlawful requests. And when legally permitted, we provide our users with notice that their information is being requested. This notice is provided so that you have the opportunity to challenge such requests.
3.3. Others Working For Loan Factory
Loan Factory uses certain trusted third parties to help us provide, improve, promote and protect the Services. For example, we may use third parties to help us provide customer support, manage our ads on other sites or assist with data storage. These third parties may access, process or store your information to perform tasks only for the purposes we've authorized, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy. We also may share with third parties aggregated or anonymized information that does not directly identify you.
3.4. Business Transfers
If we're involved in a reorganization, merger, acquisition or sale of our assets, your information may be transferred as part of that deal.

We do not share data with third parties for marketing/promotional purposes.

4. Protection

While no service is completely secure, we have a security team dedicated to keeping your information safe. We employ security measures such as using firewalls to protect against intruders, building redundancies throughout our network (so that if one server goes down, another can cover for it) and testing for and protecting against network vulnerabilities. Payment information is transmitted using HTTPS encryption, and we maintain a PCI DSS certification.

5. Retention

We'll retain your personal information for as long as we need it to provide you with the Services. You can ask for your personal information to be deleted at any time by deleting your Account or contacting us. Please note that there may be latency in deleting your personal information from our servers and backup storage, and we may retain your personal information in order to comply with the law, protect our rights, resolve disputes or enforce our agreements.

6. Location

Information that you submit through the Services may be transferred to countries other than where you live (for example, to our servers in the US). We also may store information locally on the devices you use to access the Services. We also may transfer information to third parties outside the US for processing or to support the Services, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy.

7. Access

To modify or delete the personal information you have provided to us, simply log into the Services and update your profile. We may retain certain information as required by law or for necessary business purposes. On request, we'll provide you with a copy of your personal information that we maintain. This request may be subject to a fee not exceeding the prescribed fee permitted by law.

8. Communications

We may periodically email you service-related announcements. We'll also send you emails related to your transactions. We may also send you marketing or promotional communications, but you can opt out of receiving subsequent marketing or promotional communications by clicking the link marked unsubscribe (or a similar phrasing) that's included in those communications.

9. End User Information

9.1. Collection And Use Of End User Information
You may use the Services to create or publish Your Sites, and Your Sites may have End Users. We may collect, use or delete the same types of information described in Section 2, above, from your End Users, on your behalf and at your direction, and we treat such information in accordance with this Privacy Policy. We do this in order to enable you to use the Services, and to provide, improve and protect the Services. For example, during checkout you may ask your End Users to provide name, address, email address and payment information so that you can complete their orders.
9.2. Your Relationship With End Users
You can collect, use or delete your End Users' information at any time. However, you're solely responsible for complying with any laws and regulations that apply to your End Users' information, including without limitation the posting of your own privacy policy. We're not liable for your relationship with your End Users, and we won't provide you with any legal advice regarding such matters.
9.3. End User Payment Information
Your End Users' payment information may be processed via third party eCommerce Payment Processors with which you integrate your Account, in accordance with such eCommerce Payment Processors' terms and policies. We transmit your End Users' complete payment information when they initially provide or update it, only so that we can pass it along to the eCommerce Payment Processors you agree to use. We don't collect or store your End Users' payment information.

10. Modifications

We may modify this Privacy Policy from time to time, and will post the most current version on our site. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Conditions.

11. Our Text Message disclosure

By checking this box, I consent to receive conversational SMS messages from Loan Factory Inc related to my mortgage inquiry, application, documentation, follow-up and status updates. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit www.loanfactory.com/en/privacy to see our privacy policy and www.loanfactory.com/en/terms-and-conditions for our Terms of Service.

Customers with websites should have a link to a privacy policy that unambiguously states they do not share SMS opt-in or phone numbers for the purpose of SMS with third parties.

SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

12. Google Workspace API Usage

We affirm that Google Workspace APIs are not used to develop, improve, or train generalized AI and/or ML models. Our application does not retain or use Google Workspace data to train generalized AI or ML models.

Email/Text Policy (Last updated : October 18, 2017 )

Loan Factory (“us,” “we,” or “our”) offers various ways to communicate with our representatives to make sure your experience with us is as convenient as possible. In addition to speaking with us by phone, we may also provide communication to you through email, text messages, and other forms of communication.

Email and text messages you receive from us are conditioned upon your agreement to the following Email and Text Message Policy.

We do not share any information we obtain for SMS consent with any third-party affiliates or third parties.

SMS opt-in or phone numbers for the purpose of SMS are not being shared.

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 with regard to 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 with regard to a loan should be confirmed in a 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 virus 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 uses the internet which is an open system 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 or not 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 prosecuted to the fullest extent of 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.

TEXT MESSAGING POLICY

Additional Disclosures

When you provide your phone number and agree to receive text messages from us, you are providing express written consent to us, along with our affiliates, agents, and service providers, to contact you regarding your application, loan, or other services via text message or phone call, even if the telephone number you provide is included in a corporate, state or national Do Not Call Registry. You understand and agree that your consent to receive messages or calls is not a requirement for using our services. Through your communication with us by phone and agreeing with this policy, Terms of Use, and Privacy Policy, you consent to the monitoring and recording of your calls. Message and data rates may apply depending on your wireless plan and phone provider.

You understand and agree that we are not, and shall not be, responsible for the effect of any deficiencies that may exist or come to exist on our website or our operations in connection with text messaging. To the maximum amount permitted by law, we hereby expressly disclaim all warranties of any kind, express or implied, including, but not limited to, the implied warranty of merchantability and fitness for a particular purpose.

You understand, represent, and agree that you are the authorized user of the account for the telephone number you provided to us for communication. You must notify us immediately if you change your telephone number and you agree to indemnify us or any party communicating with the phone number you provided to us in full for any and all claims, expenses, and damages resulting from the Telephone Consumer Protection Act. If you wish to opt out from receiving text messages from us, please

Provisions Applicable to Text Message and Email Policies

Governing Law

By providing your email address and/or agreeing to use text messaging as a form of communication with us, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern this communication and any dispute that may arise therefrom. You also agree that any action at law or in equity resulting from this communication shall only be filed in the state or federal courts located in Orange County, California, and you consent to submit to the personal jurisdiction of such courts for the litigation of any such action.

Disclaimers and Licenses

We are an Equal Housing Lender and fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Loan Factory will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you receive public assistance. Loan Factory is a licensed mortgage broker.

Reservation of Rights

We reserve all rights as to our content in all of our emails and text messages. Reproduction, use, or distribution requires our prior express written permission. The only statements that may be published and attributable to us are those issued by the Company’s President or other executive officers.

Our Privacy Policy and Terms of Use

Our Privacy Policy is available here and our Terms of Use is available here. By opting in to receive text messages or by providing your email address for correspondence, you agree to the terms of our Privacy Policy and Terms of Use in addition to this Email and Text Message Policy.

To Stop Receiving Text Messages from Us

If you no longer wish to receive text messages from us, you may unsubscribe by texting the word STOP in response to any text messages you have received from us. Once we confirm you no longer wish to receive text messages you will receive a final confirmation of your election and will no longer receive future text messages.

Inquiries About Text Messages or Emails

If you have a complaint about any text message or email you receive from us or a party on our behalf, please call (660) 333-3333 or email us at info@loanfactory.com.

SMS Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 5 weekly SMS messages related to your loan transaction.

Potential Fees for SMS Messaging

Standard message and data rates may apply depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method

You may opt-in to receive SMS messages from Loan Factory by submitting an online form.

Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at www.loanfactory.com/contact-us or (660) 333-3333.

SMS disclosure

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
Message and data rates may apply.
You can opt-out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
Message frequency may vary.

Consumer Disclosure (Last updated : March 29, 2018)

Described below are the terms and conditions for providing to you such notices and disclosures electronically through the Loan Factory electronic signing system. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions

All notices and disclosures will be sent to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through the Loan Factory system all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please contact us

Acknowledging your access and consent to receive materials electronically

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to e-mail this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the ‘I agree' button.

By checking the "I agree" box, I confirm that:

I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES document; and
I can print on paper the disclosure or save or send the disclosure to a place where I can print it, for future reference and access; and
Until or unless I notify Loan Factory as described above, I consent to receive from exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to me by Loan Factory during the course of my relationship with you.

Acceptable Use Policy (Last updated : October 18, 2017 )

This Acceptable Use Policy outlines some examples of prohibited conduct in connection with our Services. Note that any capitalized terms not defined in this Acceptable Use Policy have the meanings set forth in our Terms & Condition. If you have any comments or questions about this Acceptable Use Policy, feel free to contact us.

Our Services are used by millions of people to express themselves, build their brands, grow their businesses and everything in between. We're proud of the creative and inspiring ways that people use our Services. At the same time, we expect our users to behave responsibly. As a Loan Factory user, you agree not to misuse the Services or help anyone else do so. For example, you can't do any of the following in connection with the Services:

1. Abusing And Disrupting The Services

1.1. Don't probe, scan or test the vulnerability of any system or network.
1.2. Don't breach or otherwise bypass any security or authentication measures.
1.3. Don't access, tamper with or use nonpublic areas or parts of the Services, or shared areas of the Services you haven't been invited to.
1.4. Don't interfere with or disrupt any user, host or network (whether it's Loan Factory's or someone else's), for example by distributing malware or overloading, flooding or mail-bombing any part of the Services.
1.5. Don't take apart, decompile or reverse engineer any part of the Services in an effort to access things such as source code or algorithms.
1.6. Don't access, search or create accounts for the Services by any means other than our publicly supported interfaces (for example, scraping, spidering or crawling).
1.7. Don't take any action that imposes an unreasonable load on our infrastructure or our third party providers. (We reserve the right to determine what's reasonable.).
1.8. Don't provide your password to any other person, use any other person's username and password, or otherwise manage the Services through shared credentials.

2. Spamming And Phishing

2.1. Don't send spam or other unsolicited communications, promotions or advertisements. (We reserve the right to determine what constitutes spam.).
2.2. Don't send altered, deceptive or false source-identifying information, including without limitation phishing or spoofing.

3. Deceiving And Impersonating Others

3.1. Don't do anything that's false, fraudulent, inaccurate or deceiving.
3.2. Don't impersonate another person, company or entity.,
3.3. Don't engage in misleading or unethical marketing or advertising.

4. Stealing

4.1. Don't use unauthorized credit cards, debit cards or other unauthorized payment devices on the Service.
4.2. Don't promote or advertise products or services other than your own without appropriate authorization.
4.3. Don't sell the Services unless specifically authorized to do so, or publish or use the Services on any network or system other than those provided by Loan Factory unless previously authorized by Loan Factory.

5. Infringing, Misappropriating And Violating Rights

5.1. Don't infringe or misappropriate anyone's copyright, trademark or other intellectual property rights.
5.2. Don't violate anyone's privacy or publicity rights.

6. Being A Jerk

6.1. Don't do or post anything threatening, harassing, abusive, excessively violent, offensive, sexually explicit or obscene.
6.2. Don't advocate bigotry or hatred against any person or group based on their race, ethnicity, nationality, religion, gender, gender identity, sexual preference, age or disability.

7. Breaking The Law

7.1. Don't use the Services in violation of any US export controls, regulations or sanctions.
7.2. Don't do anything that otherwise violates the law, including without limitation all local laws regarding online conduct and acceptable content.

If we conclude that you're violating any of these policies, or engaging in any other behavior we deem abusive or inappropriate, we may take action against your Account or Your Sites. We try to ensure fair outcomes, but in all cases we reserve the right to remove any content or suspend your Account or Your Sites, without any refund of any amounts paid for the Services, without notice, at any time and for any reason. We reserve the right to enforce, or not enforce, this Acceptable Use Policy in our sole discretion. You can report violations of these guidelines to us directly by emailing info@loanfactory.com. We may modify this Acceptable Use Policy from time to time, and will post the most current version on our site. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Condition.

Cookie Policy (Last updated : October 18, 2017 )

This Cookie Policy describes how Loan Factory uses cookies and similar technologies to provide, improve, promote and protect the Services. Note that any capitalized terms not defined in this Cookie Policy have the meanings set forth in our Terms & Conditions. If you have any comments or questions about this Cookie Policy, feel free to contact us at info@loanfactory.com.

Cookies

Cookies are small pieces of text sent to your browser when you visit a site. They serve a variety of functions, like enabling us to remember certain information you provide to us as you navigate between pages on the Services. We use cookies for the following purposes:

Authentication, Personalization And Security
Cookies help us verify your Account and device and determine when you're logged in, so we can make it easier for you to access the Services and provide the appropriate experiences and features. We also use cookies to help prevent fraudulent use of login credentials.
Performance And Analytics
Cookies help us analyze how the Services are being accessed and used, and enable us to track performance of the Services. For example, we use cookies to determine if you viewed a page or opened an email. This helps us provide you with information that you find interesting. We also use cookies to provide insights regarding your End Users and Your Sites' performance, such as page views, conversion rates, device information, visitor IP addresses and referral sites.
Third Parties
Third Party Services may use cookies to help you sign into their services from our Services. We also may use third party cookies, such as Google Analytics, to assist with analyzing performance. Any third party cookie usage is governed by the privacy policy of the third party placing the cookie.
Opting Out
You can set your browser to not accept cookies, but this may limit your ability to use the Services. We currently don't respond to DNT:1 signals from browsers visiting our Services.

Loan Factory respects intellectual property rights and expects its users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (“DMCA”), Loan Factory responds expeditiously to claims of copyright infringement committed using the Services. In accordance with the DMCA and other applicable law, Loan Factory will, under appropriate circumstances, terminate the accounts of repeat copyright infringers. We also reserve the right, in our sole discretion, to terminate any account for actual or apparent copyright infringement. Note that any capitalized terms not defined in this Copyright Policy have the meanings set forth in our Terms & Conditions.

Submitting A Notice Of Infringement

To submit a notice of claimed copyright infringement, you will need to provide us with the following information:

1. Identification of the copyrighted work claimed to have been infringed (e.g., a link to your original work or clear description of the materials allegedly being infringed upon);

2. Identification of the infringing material and information reasonably sufficient to permit Loan Factory to locate the material on the Services;

3. Your contact information, including name, address, telephone number and email address;

4. The following statements:

“I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.”
“I hereby state that the information in this notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”; and

5. A physical or electronic signature (typing your full name will suffice) of the copyright owner or a person authorized to act on their behalf.

Deliver this notice, with all items completed, to Loan Factory's Designated Copyright Agent:

Loan Factory
Attention: Copyright Agent
2195 Tully Road, San Jose, CA 95122
info@loanfactory.com

Loan Factory's response to notices of alleged copyright infringement may include the removal or restriction of access to allegedly infringing material. Please note that information provided in a notice of copyright infringement may be forwarded to the user who posted the allegedly infringing content.

Bad Faith Notices

Please be aware that under 17 U.S.C. § 512(f), you may be liable for any damages, including without limitation costs and attorneys' fees incurred by us or our users, if you knowingly materially misrepresent that material or activity is infringing. If you're unsure whether the material you are reporting is in fact infringing, you may wish to contact an attorney before filing a notification with us.

Submitting A DMCA Counter-Notification

If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. To submit a counter-notice, please respond to our original email notification of removal with the following information:

1. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled (the description from the copyright notice will suffice);
2. Your name, address and telephone number;
3. A statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located (or the federal district courts located in San Jose County, California if your address is outside of the United States), and that you will accept service of process from the person who provided the original DMCA notification or an agent of such person;
4. The following statement: "I swear, under penalty of perjury, that I have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled."; and
5. A physical or electronic signature (typing your full name will suffice).

Upon receipt of a valid counter-notification, Loan Factory will forward it to the notifying party who submitted the original DMCA notification. The notifying party will then have 10 business days to notify us that they have filed legal action relating to the allegedly infringing material. If we don't receive any such notification within 10 business days, we may restore the material to the Services.

We may modify this Copyright Policy from time to time, and will post the most current version on our site. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Conditions.

Welcome to Loan Factory! Loan Factory operates the website https://www.loanfactory.com and offers an AI-powered application called Ask Moso to assist users in filling out various loan applications. By using our website and services, you agree to comply with and be bound by the following terms and conditions of use. Please read these terms carefully before using our services.

1. Acceptance of Terms

By accessing or using our website and services, you agree to be bound by these terms and conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, you may not access or use our services.

2. Definitions

2.1. "User" refers to any individual or entity using Loan Factory's website or services.
2.2. "Personal information" includes but is not limited to user-provided information such as name, address, contact details, and financial information.
2.3. "Loan application" refers to any application for a loan or financial product facilitated through Loan Factory's services.

3. Description of Service

https://www.loanfactory.com provides an AI-powered application named Ask Moso that assists users in filling out various loan applications by analyzing and processing the personal information and documents provided by the user.

4. User Consent

By using our services, you consent to allow https://www.loanfactory.com to access, analyze, and store the personal information and documents uploaded by you. This includes but is not limited to driver's licenses, bank reports, bank statements, and other relevant documents required for loan application purposes.

5. Data Security

https://www.loanfactory.com takes the security and privacy of your personal information seriously. We employ industry-standard security measures to protect your data from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Use of Information

The information and documents provided by users are used solely for the purpose of assisting in loan application processes. We do not sell, rent, or share your personal information with third parties for marketing purposes.

7. Data Retention

We retain the personal information and documents uploaded by users only for as long as necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by law.

8. User Responsibilities

Users are responsible for the accuracy, completeness, and legality of the information and documents uploaded to our platform. Users should ensure that they have the necessary rights and permissions to upload and share such information.

9. Changes to Terms and Privacy Policy

https://www.loanfactory.com reserves the right to update or modify these terms and privacy policy at any time without prior notice. Any changes will be effective immediately upon posting on our website. Continued use of our services after any such changes constitutes your acceptance of the revised terms.

10. Contact Us

If you have any questions or concerns regarding these terms or our privacy practices, please contact us at info@loanfactory.com.

Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

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