Terms and Conditions of Use
THANK YOU FOR VISITING OUR SITE, www.independencehl.com. In these Terms and Conditions and the following Privacy Policy, the use of “we”, or “our” refers to Independence Home Loans, LLC.
PLEASE CAREFULLY READ THE ENTIRE TERMS & CONDITIONS BEFORE YOU USE ANY PART OF THIS WEBSITE. IF YOU DO NOT AGREE TO ALL THESE TERMS & CONDITIONS, YOU MAY NOT USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES. YOUR ACCESSING AND USE OF THE INDEPENDENCE HOME LOANS WEBSITE (WWW.INDEPENDENCEHL.COM, YOU THE “SITE”) CONSTITUTES YOUR ACCEPTANCE OF, AND AGREEMENT TO, THE FOLLOWING TERMS AND CONDITIONS OF USE.
YOU MUST BE A U.S. RESIDENT AND BE AT LEAST 18 YEARS OLD TO USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES. YOUR USE OF THE SITE CONSTITUTES YOUR REPRESENTATION AND WARRANTY THAT YOU ARE ABOVE THE AGE OF 18.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED BY IHL ON AN “AS IS” BASIS AND ONLY “AS AVAILABLE” TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. IHL DISCLAIMS ALL WARRANTIES WITH REGARD TO THE INFORMATION PROVIDED, INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY, IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, AND IMPLIED WARRANTY OF NON-INFRINGEMENT.
BEFORE YOU ACT ON ANY INFORMATION YOU’VE FOUND ON THIS SITE, YOU SHOULD INDEPENDENTLY CONFIRM ANY FACTS THAT ARE IMPORTANT TO YOUR DECISION.
SMS DISCLOSURE NOTICE
In response to telephone or other inquiries, we may respond via text (SMS). A message in response will read: “It looks like we missed your call and I would like to get you connected to an expert that can help you. I just need to gather some basic information before transferring you to a team member. When is a good time to chat via text?” or words to that effect.
The frequency of texts that you may receive in response to inquiries will be approximately one per day.
Message and data rates may apply, and your mobile carrier may charge you for sending or receiving text messages, as well as any data used to access content within these messages depending on the specific plan and rates.
You can text “HELP” for additional assistance.
Please refer to our Privacy Policy which follows these Terms and Conditions and is incorporated in them.
You can always opt-out of text messages by texting “STOP” to opt out of SMS or text communications. [Click here to access our Privacy Policy and be directed to it at once.]
FURTHER TERMS AND CONDITIONS
WE MAKE NO REPRESENTATION THAT MATERIALS OR SERVICES ON THIS SITE ARE APPROPRIATE OR AVAILABLE FOR USE IN LOCATIONS OUTSIDE THE UNITED STATES, AND ACCESSING THEM FROM TERRITORIES WHERE THEIR CONTENTS ARE ILLEGAL IS PROHIBITED
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES; THEREFORE, SOME OF THE ABOVE-REFERENCED EXCLUSIONS OF WARRANTIES MAY NOT APPLY TO YOU.
This Site and all its content are the property of Independence Home Loans, LLC (“IHL” or “We”). All rights in this Site and that content, including, but not limited to rights to copyright, trademark, patent or other forms of intellectual property are reserved worldwide.
However, we respect the intellectual property of others and we ask those who use or access our Site to do the same. If you believe that your work has been copied and is accessible on the Website in a way that constitutes copyright infringement, you may notify us by providing our copyright agent the following information:
A description of the copyrighted work that you claim has been infringed;
Identification of the URL or other specific location on the Website where the material you claim is infringing is located;
Your name, address, telephone number, email address, and statement that you are an authorized person to act on behalf of the owner of the copyright;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
An affidavit submitted by you, sworn to and made under the penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are an authorized agent to act on behalf of the copyright owner.
Pursuant to Section 512(c) of the Copyright Revision Act, as amended by the Digital Millennium Copyright Act, IHL designates the following individual as its agent for receipt of notifications of claimed copyright infringement:
By mail:
Independence Home Loans, LLC
1375 N. Scottsdale Road
Suite 100
Scottsdale, AZ 85257
Attention of:
By email:
info@independencehl.com
You agree to use this Site in a responsible manner that is in full compliance with these Terms and Conditions and with your local laws and regulations. In making a loan inquiry, requesting a quote, submitting an 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 IHL may rely.
BOTH IHL AND YOU WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF, IN CONNECTION WITH, OR IN RELATION TO THE AGREEMENT CREATED BY YOUR USE OR ACCESSING THE SITE.
The United States government through the Bureau of Industry and Security and its use of the Export Administration Regulations, has implemented export control laws that regulate and limit the export and re-export of technology originating from within the United States. This technology includes the electronic transmission of information or software. The export control laws regulate and, in some instances, preclude the exporting or re-exporting of this technology to foreign countries and to certain foreign nationals. By your use of this Site, you agree to abide by these laws and regulations, including but not limited to, the Export Administration Act, U.S. Foreign Corrupt Practices Act and the Arms Export Control Act and not to transfer, by electronic transmission or otherwise, any Content derived from the website to either a foreign national or foreign destination in violation of such laws.
Your agreement to these Terms and Conditions and the following Privacy Policy will be governed by and construed in accordance with the laws of the United States of America, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to this Site or these Terms & Conditions will be filed only in the state or federal courts located in Maricopa County, Arizona and, and you hereby consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.
The terms and provisions of the following Privacy Policy as set forth in this Site are expressly incorporated in these Terms and Conditions of Use.
We reserve the right to modify or terminate the IHL Website for any reason, and without notice or your consent, and without liability to you or any third party. We also reserve the right to modify these Terms and Conditions of Use and the following Privacy Policy from time to time without notice or your consent. You are responsible for regularly reviewing these Terms and Conditions and that Privacy Policy so that you will be apprised of any changes.
Privacy Policy
Independence Home Loans (also referred to as “IHL”, “we” or “our”) is committed to safeguarding your privacy. Our Privacy Policy applies to information collected online from users of this website (www.independencehl.com). In this policy, you can learn what kind of information we collect, when and how we might use that information, how we protect the information, and the choices you have with respect to your personal information.
By accessing or browsing www.independencehl.com, you confirm that you have read, understood and agree to this Privacy Policy in its entirety.
What personal information is collected through this website and how is it used?
We collect information about our users in three ways: directly from the user, from our Web server logs and through cookies. We use your personal information to provide you with the services you request and to communicate with you about those services. We may also use your personal information to improve our services and to send you marketing communications.
How we use information supplied through certain website features:
If you fill out the “contact” form on this website or click either the link “Get A Quote” or “Apply Online” we will ask you to provide some personal information, such as e-mail address, and phone number and financial information if that is needed to respond to your request.
Information that you provide to us through the contact form or in response to those links will be used so that we may respond to your inquiry, provide you with a quote for a loan or credit arrangement, as may be the case, and process your request or application.
You agree to notify IHL immediately if you believe your ID, password or other identifying information has been lost, stolen or otherwise compromised
Web server logs:
When you visit our website, we may track information about your visit and store that information in web server logs, which are records of users’ activities on our Site. The servers automatically capture and save the information electronically.
The information we collect in web server logs helps us administer the site, analyze its usage, protect the website and its content from inappropriate use and improve the user’s experience.
Cookies:
In order to offer and provide a customized and personal service, our websites and applications may use cookies and similar technologies to store and help track information about you. We use cookies to help remind us who you are, to expedite your use of our website, and to help you navigate our sites during your visits. Cookies also help us improve this Site and make it easier to use..
By visiting this website, you consent to the use of cookies and similar technologies in accordance with this Privacy Statement.
Sharing of Personal Information
We may share your personal information with third-party service providers who help us provide our services.
No mobile opt-in will be shared with third parties for marketing purposes.
We may also share your personal information with government agencies, regulatory authorities, or other third parties when required by law or to protect our rights or the rights of others.
How is personal information protected?
We take reasonable security measures to help protect your personal information from accidental loss and from unauthorized access, use or disclosure. However, we cannot guarantee that unauthorized persons will always be unable to defeat our security measures.
Children’s Online Privacy Protection Act
We comply with the requirements of COPPA (Children’s Online Privacy Protection Act). Accordingly, we do not knowingly collect any information from anyone under 18 years of age and we have no content or products that would be inappropriate for a younger audience. While our Website, products and services may be of interest to a younger audience, our Website, products and services are all directed to people who are at least the age of majority – in most cases 18 years old – or older. We believe protecting children’s privacy online is important and encourage parents and guardians to spend time online with their children to participate and monitor their Internet activity.
Pursuant to 47 U.S.C. Section 230(d) as amended, we hereby notify you that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying providers of such protections are available to you online.
Disclaimer
The information and articles found on Independence Home Loans website are provided for general informational purposes. Such materials are not intended, and should not be taken, as legal or financial advice.
