Disclaimers
LOANLYNX, INC. takes our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We collect nonpublic information about you from the following sources:
(i) information we receive from you on applications or other forms; (
ii) information about your transactions with us, our affiliates, or others; and
(iii) information we receive from a consumer reporting agency.We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
Protecting personal and financial information is a top priority at LoanLynx. We have made every effort to provide you peace of mind while submitting private information on our website.
HOW CAN YOU BE SURE
This Web site is secured with a GoDaddy.com Web Server Certificate. Transactions on the site are protected with up to 256-bit Secure Sockets Layer encryption. LOANLYNX, INC. uses Secure Sockets Layer (SSL) whenever sensitive information is sent or received from your computer. When the Key (Netscape) or Lock (AOL, Internet Explorer, Google Chrome, Mozilla Firefox) is visible in the browser address bar, you can be sure that it really is LOANLYNX, INC., and not an imposter. You can also be sure that nobody else can see or alter any personal information in transit.
FIREWALL PROTECTION
Your financial information is not kept on LOANLYNX INC.’s web server, but on one of our separate highly secure co-location facility servers. This ensures that your financial information remains out of reach.
PROTECTION FROM IMPERSONATION
SSL server authentication allows the browser to confirm a server’s identity. Using standard techniques of public-key cryptography, it checks that the server’s certificate and public ID are valid and have been issued by a certificate authority (CA) listed in the browser’s list of trusted CAs. LOANLYNX, INC. is registered with the GoDaddy CA and has obtained for and subdomains.
PROTECTION FROM EAVESDROPPING
An SSL connection encrypts all information sent between the browser and our server. This provides an extremely high degree of confidentiality. In addition, all data sent over an encrypted SSL connection is protected with a mechanism for detecting tampering–that is, for automatically determining whether the data has been altered in transit.
GENERAL TERMS OF USE
You are currently viewing a page of the loanlynx.com web site or a related web site (the “Site”) belonging to LOANLYNX, INC. or one of its subsidiaries (“LoanLynx”). This Site and any of the services provided by LoanLynx in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms of Use. Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use. The Site is intended for individuals who are at least 13 years old. If you are under the age of 13 years old, you should not be visiting this Site.“Services” under these Terms of Use include financial services for consumers and businesses and business services offered to you directly by LoanLynx, and additional services available to you from independent third party service providers accessed through navigation from the Site.The Site may contain links to Web sites controlled or offered by third parties (non-affiliates of LoanLynx). LoanLynx hereby disclaims liability for any other company’s Web site content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of LoanLynx. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.
DISCLAIMER
THE SERVICES ARE OFFERED ON AN “AS IS,” “WHERE IS” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.YOU ACKNOWLEDGE THAT NEITHER LOANLYNX, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. LOANLYNX DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER’S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT LOANLYNX IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, LOANLYNX WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.
GENERAL
LoanLynx reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.LoanLynx reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time. These Terms of Use constitute a contract between you and LoanLynx.
INDEMNIFICATION
You agree to defend, indemnify and hold harmless LoanLynx, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.
LEGAL
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by LoanLynx.
Equal Housing Lender. © 2016-2019 LOANLYNX™.
LOANLYNX, INC. (NMLS: 1451865) is a wholly owned mortgage broker licensed by:Florida (FL) – Office of Financial Regulation (FL–OFR), Mortgage Broker License No. MBR1922.
California (CA) – Licensed by the Department of Business Oversight (DBO) under the California Residential Mortgage Lending Act – License No. 60DBO61583.
Colorado (CO) – Registered Mortgage Company by the Department of Regulatory Agencies (DORA), Division of Real Estate – License No. N/A.
WEBSITE PRIVACY POLICY
Visitors to the LoanLynx website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as: Date and time our site was accessedIP addressWeb browser usedCity, state and countryWe use this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via email, online registration forms or our guest book. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages the visitor uses within the site and to know if the site has been visited previously.
PATRIOT ACT
In accordance with Section 326 of the USA PATRIOT Act of 2001, LoanLynx is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
SHARING WITH NON-AFFILIATED COMPANIES
From time to time, we will share customer information with those companies, which are not affiliated with our corporation, in order to provide the products and services that you have requested or already have with us. These companies may include (but are not limited to) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer’s information confidential, and use of the information is strictly limited to providing the services we have asked them to perform for you and us.
AFFILIATE SHARING OPT-OUT
The Fair Credit Reporting Act (FCRA) allows you the opportunity to limit the sharing of “non-experience” information within the LoanLynx family of companies. Such information includes information that is used, expected to be used or collected for the purpose of establishing your eligibility for consumer credit and related products and services and is not related solely to your transactions or other communications with us. Examples of non-transaction, non-experience information could include data contained in a consumer credit report or application information such as income and assets.If you would prefer that we not share “non-experience” information within the LoanLynx family of companies, you may exercise your opt out provision below. If you opt out of our sharing “non-experience” information within the LoanLynx family, we may still share information with our affiliates relating solely to your transactions or other communications with us as disclosed in our Privacy Policy.
IMPORTANT INFORMATION
LoanLynx is organized under the laws of the State of Florida and by state law is subject to regulatory oversight by the Florida Office of Financial Regulation. Any consumer wishing to file a complaint against LoanLynx should contact the Florida Office of Financial Regulation, Division of Consumer Finance through one of the means indicated below.In person or by U.S. Mail:
Florida Office of Financial Regulation
Division of Consumer Finance
Consumer Assistance Group
200 E. Gaines Street
Tallahassee, FL 32399-0381
Phone: 850-410-9805
Phone: 850-487-9687
Fax: 850-410-9300Website: www.flofr.com(‘File a Complaint’)
HOME MORTGAGE DISCLOSURE ACT (HMDA)
Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.To receive a copy of these data send a written request to:
LOANLYNX, INC.
Attn: Compliance Department
1193 SE Port St Lucie Blvd, Suite 300
Port Saint Lucie, FL 34952
THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT (ECOA)
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
SECURITY POLICY
LoanLynx, places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.
EMAILING
When emailing your LoanLynx contacts, please keep in mind the security settings from which you are transmitting this information. While information we share via email within our organization is guarded and secure, messages emailed in from outside providers cannot be guaranteed. When communicating with your LoanLynx contents, please be sure only to send confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure of the security settings of your email, it is often safer to provide confidential information via the postal system, by calling or through visiting the office location.
COMPLETING ONLINE FORMS
When you complete a form online, such as an online mortgage application, LoanLynx has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to LoanLynx. If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, you can look for it to read https:// at the beginning of the URL. With it typically reading https://, the addition of the “s” means the site you are visiting is secure. With LoanLynx, you are covered!
LINKING OUTSIDE OF THE LOANLYNX WEBSITE
LoanLynx is not held responsible for any information or content found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party’s site’s content is not guaranteed. Third party sites also operate under different privacy and security policies which may be different from those of LoanLynx.
AN IMPORTANT NOTICE ABOUT CHILD PRIVACY
This website is not directed to children under the age of 13 years-old. We do not collect or maintain personal information, via the Website or otherwise, from those we actually know are children under 13 years-old.
If you are under 13, you should not submit any personal information to us. If you are the parent of a child under 13, please help us protect your child’s privacy by instructing them never to provide personal information on this website or any other without your permission.If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us, please contact us at Legal@LoanLynx.com.
A parent or guardian of a child under the age of 13 may review and request deletion of such child’s personally identifiable information as well as prohibit the use thereof.
LOANLYNX’S COMMITMENT TO FAIR & RESPONSIBLE LENDING
LoanLynx will comply with all fair-lending laws and regulations, and with reasonable assurance prevent discriminatory practices against any person on any prohibited basis related to a credit transaction. The board of directors, senior management and all personnel are committed to the spirit, intent, and practices of fair-lending laws and regulations.We’ve built a comprehensive fair lending program that continues to evolve with market conditions and regulatory changes.
We are committed to ensuring our lending and pricing policies are fair and responsible.
We offer a variety of home loan programs so that homebuyers of all economic levels can find a program that fits their financial position.
We are licensed to originate home loans within the State of Florida. Our originators are active within their communities and understand the needs of the communities they serve.
LoanLynx continues to establish business partner relationships within the communities it serves. We work with local community, state, and federal programs to assist consumers with homebuyer education as well as down-payment assistance.
LoanLynx’s multicultural lending program provides and creates opportunities to build strong, resilient and healthy communities in which we all can live and serve. LoanLynx understands and appreciates how diverse market segments introduce enormous opportunities for everyone and make a profound and positive impact on these communities.
LoanLynx is committed to providing quality and efficient service to our consumers at all times. We strive to resolve any consumer grievances fairly. Please contact us at https://loanlynx.com/contact to voice any concerns you may have.
WE SUPPORT FEDERAL LAWS THAT HELP PROTECT CONSUMERS
The practice of “fair lending” is built through multiple federal and state laws working together to ensure consumers are treated consistently and fairly. These laws also require us to provide information to consumers in a clear and conspicuous manner. The Home Mortgage Disclosure Act (HMDA), for example, is a disclosure law that requires mortgage lenders to provide the public with loan data. This data can help determine if brokers such as LoanLynx are serving the housing needs of their communities and it can help identify possible discriminatory lending patterns.
Access the list of registered LoanLynx loan originators and learn how the SAFE Act helps consumers know more about their loan originator.Another important consumer protection law is the SAFE Act. The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is a federal law designed to improve protection for consumers and reduce fraud in mortgage lending. Under this law, individual mortgage loan originators (MLOs) must register in the Nationwide Mortgage Licensing System and Registry (NMLS).
You may visit www.nmlsconsumeraccess.org to confirm any financial services company or professional you may wish to conduct business with to ensure they are authorized to conduct business in the state you are financing a property within.
