Terms of Use and Services Agreement:

 

1.  Terms of Use Agreement
2.  Information Security Policy
3.  Construction Loan Request Services
    A. Up to 10 Free Estimates Feature
    B. Custom Quote (aka Full Quote) Feature
4.  Additional Terms Applicable to Use of Site(s) and Service(s)
5.  Links to Third Party Websites
6.  Errors and/or Delays
7.  Dispute Resolution
8.  Disclaimers and Liability
9.  Indemnity

 

1. TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES
Please review this Terms of Use Agreement ("Agreement"). By accessing or using this website in any fashion or form, and any websites of any listed divisions or service partners, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

 

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY.

These provisions form an essential basis of our bargain.  If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.
For purposes of this Agreement, "You" or "Your" means the person(s) using the Websites, and/or the good, facilities or services of Construction Loan Quoter companies offered through alternative methods, including persons that allow others to provide information about themselves to Construction Loan Quoter  (as defined below), the banks, lenders and consultants and other Providers on Construction Loan Quoter's network.

THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.

Construction Loan Quoter operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes and terms.

 

2. CONSUMER INFORMATION SECURITY POLICY
The following Construction Loan Quoter Consumer Information Security Policy explains the policy applicable to the information that is collected through the Websites, received directly from you or transmitted to or from third parties.

While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, Construction Loan Quoter understands your concerns with the safety of your personal information. The following is a summary of the measures Construction Loan Quoter takes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.

Secure Web Pages and Encryption
Construction Loan Quoter uses well-known and vetted security technologies to protect your data and transmissions between you, Construction Loan Quoter and third party professionals participating in the Construction Loan Quoter Websites.  Those pages on the Websites that ask for your personal information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except Construction Loan Quoter. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. You can verify that your communications with Construction Loan Quoter are secure by checking for the key or lock icon on your browser, and the page address containing "https://www.constructionloanquoter.com/"

3.CONSTRUCTION LOAN REQUEST SERVICES
Construction Loan Quoter offers two construction loan request services, each of which is explained in more detail below::

A. Up to 10 Free Estimates Feature

Email is collected solely to deliver up to 10 Free Estimates.  At no time will your email address be sold, shared or transferred in anyway or used for any other purpose but to deliver the estimates requested and/or communicate about delivery of the estimates requested.

Should you be contacted by any individual, business or otherwise outside of ConstructionLoanQuoter.com at or around you submit your request you should; Notify us in writing so we can investigate to determine if there is any connection between your request and any unexpected contact.

Not guaranteed to receive up to 10

Requesting and/or receiving up to 10 Free Estimates does not; constitute a loan approval, nor does it guarantee one. Does not guarantee rates and/or terms will be available when a loan application is made.

Estimates are not quotes.  They are merely an example of loan rates and/or terms that may be available through any one or more investment sources participating in our network.  Completion of a custom quote (aka full quote) request is required to receive actual quotes.

In the event that 1 or more free estimates spur a custom/full quote request, there is no guarantee that the rate and/or terms will be;

  1. available at the time of request
  2. available for the type of request
  3. available for the loan program requested and/or required
  4. available for the location of the request
  5. what the user qualifies for at time of request

Estimates may be provided directly or indirectly by any ONE or MORE sources including, but not limited to, the following;

  1. Banks
  2. Mortgage Lenders
  3. Mortgage Bankers
  4. Credit unions
  5. Private Investment groups
  6. REITs
  7. Consultants

Investor identity will remain private until a custom/full quote is requested

10 Free Estimates are provided according to a specific loan amount and down payment amount.  Each will be subject to qualification criteria set forth by the individual investment source.

Please note: We will also attempt to contact you via e-mail if you submit your information for the 10 free estimates feature but do not also complete a full quote application.

 

B.   Custom Quote (aka Full Quote) Feature

Information is collected solely to deliver up to 10 custom/full quotes.  Your information will be sold, shared or transferred to investors participating in our network to deliver the quotes requested and/or communicate about delivery of the quotes requested. 

Should you be contacted by any individual, business or otherwise outside of ConstructionLoanQuoter.com at or around you submit your request you should; Notify us in writing so we can investigate to determine if there is any connection between your request and any unexpected contact.

You must request a quote from at least 2 participating investors

Requesting and/or receiving up to 10 quotes does not;

  1. constitute a loan approval, nor does it guarantee one
  2. Does not guarantee rates and/or terms will be available when a loan application is made.
  3. In the event custom/full quote request is made following the receipt of Free Estimates, there is no guarantee that the estimated rate and/or terms will be;
    1. available at the time of request
    2. available for the type of request
    3. available for the loan program requested and/or required
    4. available for the location of the request
    5. what the user qualifies for at time of request

Quotes may be provided directly or indirectly by any ONE or MORE sources including, but not limited to, the following;

  1. Banks
  2. Mortgage Lenders
  3. Mortgage Bankers
  4. Credit unions
  5. Private Investment groups
  6. REITs
  7. Consultants

Investor identities are the property of ConstructionLoanQuoter.com

Please note:  We will automatically attempt to substitute alternative offers from members with whom you may qualify if you do not qualify for 1 (one) or more of options you selected.

 

1.NON CIRCUMVENTION: User covenants that it will not reveal the loan source(s) provided by ConstructionLoanQuoter.com to other individuals, businesses, corporations or other entities without first directing them to ConstructionLoanQuoter.com. Furthermore, User covenants that it will not reveal the loan source(s) provided by ConstructionLoanQuoter.com to any competing individuals, businesses, corporations or other entities.  This clause and covenant of the User shall remain in effect for a period of three (3) years from the date of User’s acceptance hereof. In the event of User’s breach of its covenant herein, User shall pay to ConstructionLoanQuoter.com liquidated damages in an amount equal to two percent (2%) of the gross amount of any loan or loan commitment by any such Lender to any third party, plus costs and reasonable attorney’s fees should it become necessary to enforce this Clause.

 

4.  ADDITIONAL TERMS APPLICABLE TO USE OF CONSTRUCTION LOAN QUOTER WEBSITE(S) AND SERVICE(S)

 

ConstructionLoanQuoter does not endorse or recommend the products of any particular Lender. Construction Loan Quoter is not an agent of you or any Lender. Construction Loan Quoter's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. 

You are under no obligation to accept any lender's offer. The Lender is solely responsible for its services to you and you agree that Construction Loan Quoter shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by Construction Loan Quoter or received by them from your loan request, whether or not you are qualified for a loan with them or if you enter into a loan agreement with them. You also agree to notify any particular Lender or provider directly if you no longer want to receive correspondence from them.

By submitting your request you agree to receive phone calls from selected lenders who may contact you at the number(s) and/or e-mail address provided even if you have previously listed yourself on any company, state, or Federal DO-Not-Call List. Loans are only being offered in states where the eventual Lender is licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by offering their products on our Websites and any appearance of such is strictly in error. ConstructioLoanQuoter Lenders expressly reserves the right to discontinue or terminate the offering of any loan product in any specific state through the Websites at any time, without notice.

The data and other information you may provide ConstructioLoanQuoter is not; an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. ConstructioLoanQuoter does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval criteria is established and maintained solely by individual Lenders. Additionally, ConstructioLoanQuoter does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available for that loan product at that time. All Lender offers are subject to market conditions, approval and qualifications. The rates and fees provided by Lenders may be higher or lower depending on your complete credit profile and particular situation. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products in all states. You may not be matched with the Lender providing current rate estimates or making any specific offer, and additionally may not be matched with a lender for any product or loan if qualifications and/or necessary criteria are not met.

ConstructioLoanQuoter may be paid a fee by Lenders for the goods, facilities and services provided.  At closing you will be responsible for paying for any settlement or closing costs  and expenses associated with your loan. ConstructioLoanQuoter does not charge you a fee for its service in matching you with Lenders.
By clicking on any button indicating an acceptance or agreement to terms, processing or submission you understand that you are agreeing to all terms and conditions of that submission and that you are submitting an inquiry as to a lending product through ConstructioLoanQuoter. You hereby represent that all of the information you have provided in your submission and/or loan request is true and complete.  All loans are subject to credit approval and qualifications. Interest rates and loan fees vary and are based upon borrower and/or cosigner (where applicable), credit score and other underwriting criteria.

When Lenders receive your loan request, they are not agreeing to lend you money and there will not be such an agreement until the time that the loan is actually extended to you. Lenders have the right to accept or reject your cosigner and lend an amount less than the amount requested. In addition, by submitting your loan request, you authorize the Lenders to verify the accuracy and authenticity of all information supplied by you and your cosigner (where applicable).

 

5. LINKS TO THIRD PARTY WEBSITES

 

Construction Loan Quoter may provide, or third parties may provide, links to other websites. Because Construction Loan Quoter has no control over such websites, you acknowledge and agree that Construction Loan Quoter is not responsible for the availability of such external websites, and does not endorse and is not responsible or liable for any content, advertising, products, whether loan, or other materials on or available from such websites. You further acknowledge and agree that Construction Loan Quoter shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, goods or services available on or through any such website.

 

6. ERRORS AND/OR DELAYS OF REQUESTS

 

Construction Loan Quoter is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address and/or phone numbers provided by you or other technical problems beyond our reasonable control.

 

7. DISPUTE RESOLUTION

 

Any claim or controversy arising out of or relating to the use of the Websites, to the goods or services provided by Construction Loan Quoter.com, or to any acts or omissions for which you may contend Construction Loan Quoter is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be venued in a Court of the State of Pennsylvania except for Maine consumers for whom the location shall be a place reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to Construction Loan Quoter. In any arbitration, Construction Loan Quoter will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration paid by the non-prevailing party, provided, however, that in Maine any cost to the consumer shall be limited to the cost of filing a court case. To begin the arbitration process, a party must make a written demand therefor.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND CONSTRUCTION LOAN QUOTER WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Construction Loan Quoter's goods, facilities and services, you consent to these restrictions.

 

8. DISCLAIMERS AND LIABILITY STATEMENTS
Construction Loan Quoter intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided on this agreement and other pages contained may be made by ConstructionLoanQuoter at any time. Under no circumstances will Construction Loan Quoter be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites, and information or offers extended by lender(s) you correspond with.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH CONSTRUCTION LOAN QUOTER ARE PROVIDED "AS IS".
CONSTRUCTION LOAN QUOTER AND/OR ITS PROVIDERS AND LENDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

USE OF THE WEBSITES AND/OR CONSTRUCTION LOAN QUOTER'S SERVICES IS AT YOUR OWN RISK. CONSTRUCTION LOAN QUOTER AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR CONSTRUCTION LOAN QUOTER'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES OR CODES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO CONSTRUCTION LOAN QUOTER RECORDS, PROGRAMS OR SERVICES, , OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CONSTRUCTION LOAN QUOTER AND/OR ITS SUPPLIERS, PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

 

9. INDEMNITY
As a condition of use of the Websites and/or Construction Loan Quoter's services, you agree to indemnify Construction Loan Quoter and its suppliers, Lenders, and Providers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach, by you, of this Agreement.

 

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Write us at Construction Loan Quoter, 626 RexCorp Plaza, Uniondale, New York 11556

 

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