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Terms & Conditions (Last updated: November 1, 2024)

1. Introduction

This disclosure outlines how Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) complies with the Uniform Electronic Transactions Act (UETA) and the Electronic Signatures in Global and National Commerce Act (ESIGN Act). By accessing or using our website, lendexa.com (“Website”), and by providing your electronic signature, you agree to the terms outlined in this disclosure.

2. Use of Electronic Signatures

You agree that your electronic signature is the same as your handwritten signature for all purposes, including but not limited to the execution of documents, agreements, and transactions. An electronic signature may include your name typed at the end of an email, clicking an “I accept” button, or any other electronic means of indicating your agreement.

3. Electronic Communications

By using our Website and providing your information, you consent to receive electronic communications from us. These communications may include disclosures, agreements, notices, and other information regarding your transactions with us. You agree that all electronic communications we provide to you will satisfy any legal requirement that such communications be in writing.

4. Right to Withdraw Consent

You have the right to withdraw your consent to use electronic signatures and communications at any time. To do so, you must notify us in writing at the contact information provided below. However, withdrawing your consent may impact your ability to complete transactions electronically.

5. Hardware and Software Requirements

To access and retain electronic communications and documents, you must have:

  • A computer or device capable of accessing the internet.
  • A web browser that supports encryption and security features.
  • A valid email address.
  • Software that enables you to view PDF documents, as some documents may be provided in this format.

6. Updating Your Information

It is your responsibility to provide and maintain a valid email address and other contact information with us. If your email address changes, you must update your information in a timely manner to ensure you receive all communications.

7. Contact Information

For questions regarding this UETA and ESIGN Act disclosure or to withdraw your consent, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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Privacy Policy (Last updated: November 1, 2024)

1. Introduction

Lendexa Mortgage LLC (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through compliance with this policy. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website, lendexa.com (“Website”), and outlines our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Privacy Policy applies to information collected:

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • Through mobile or desktop applications you may download from this Website, enabling direct non-browser interactions.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising link to this policy.

It does not apply to information collected by:

  • Us offline or through other means, including any other website operated by the Company or third parties.
  • Any third parties, including affiliates, subsidiaries, or through applications or content (including advertising) linked or accessible from our Website.

Please review this policy carefully to understand how we handle your information. By accessing or using our Website, you agree to this Privacy Policy. If you do not agree with our policies and practices, please refrain from using our Website.

2. Persons Under the Age of 18

Our Website is not intended for individuals under 18. We do not knowingly collect personal information from those under 18. If we learn we have collected or received information from a child under 18 without verified parental consent, we will promptly delete that information. If you believe we have information from or about a child under 18, please contact us at info@lendexa.com.

3. Information We Collect and How We Collect It

We collect several types of information, including:

  • Personal Information: Identifiable information, such as name, postal address, email address, and phone number.
  • Non-Personal Information: Data that does not personally identify you, such as anonymized demographic data.
  • Technical and Usage Information: Includes your IP address, browser type, operating system, and browsing behavior on our Website.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the Website via cookies and other tracking technologies.
  • From Third Parties, such as our business partners and marketing affiliates.

4. Information You Provide to Us

The information we collect on or through our Website may include:

  • Information provided when completing forms, such as registering for services or requesting information.
  • Correspondence records, including emails, if you contact us.
  • Responses to surveys for research purposes.
  • Search queries on our Website.

5. Automatic Data Collection

We may automatically collect data about your browsing behavior, including:

  • Cookies: We use cookies to recognize and store information about your preferences, personalize your experience, and track visits to our Website. You can disable cookies in your browser settings, though this may limit certain functionalities.
  • IP Addresses and Location Data: We collect your IP address and data about your location for site analytics and security.

6. Third-Party Advertiser Use of Cookies and Other Tracking Technologies

Some advertisements on our Website are served by third-party advertisers and ad networks, which may use cookies to collect information about your behavior on our Website and others. This helps deliver relevant advertisements to you. We do not control these third parties’ tracking technologies or how they may use the data. If you have questions about targeted advertising, please contact the advertiser directly.

7. How We Use Your Information

We use the information collected to:

  • Present our Website and its content to you.
  • Provide you with requested information and fulfill any purpose for which you provide it.
  • Notify you of changes to our Website, services, or this policy.
  • Enable participation in interactive Website features.
  • Contact you about our services and those of third parties if relevant.
  • Display targeted advertisements based on data collected from your browsing behavior.

8. Disclosure of Your Information

We may disclose aggregated information about our users without restriction. We may also disclose personal information:

  • To affiliates and service providers who support our business.
  • For marketing purposes with your consent or as otherwise outlined in this policy.
  • In compliance with legal obligations, including to respond to court orders or regulatory requests.
  • When disclosure is necessary to protect rights, property, or safety, including fraud protection and credit risk reduction.

9. Your Rights and Choices

You have choices regarding how we collect, use, and share your information:

  • Cookie Preferences: Adjust your browser to refuse cookies or alert you to their use.
  • Marketing Opt-Outs: You may request to stop receiving marketing communications from us.
  • California Privacy Rights: California residents may request information about our disclosures of personal information to third parties for direct marketing. For inquiries, please contact info@lendexa.com.

10. Changes to Our Privacy Policy

We may update this Privacy Policy occasionally. The effective date will be listed at the top of this page. By using our Website after such changes, you agree to the updated policy. Check this page periodically for updates.

11. Contact Information

For questions or comments about this policy and our privacy practices, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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CONSUMER DISCLOSURE (Last updated: November 1, 2024)

1. Introduction

This disclosure outlines how Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) complies with the Uniform Electronic Transactions Act (UETA) and the Electronic Signatures in Global and National Commerce Act (ESIGN Act). By accessing or using our website, lendexa.com (“Website”), and by providing your electronic signature, you agree to the terms outlined in this disclosure.

2. Use of Electronic Signatures

You agree that your electronic signature is the same as your handwritten signature for all purposes, including but not limited to the execution of documents, agreements, and transactions. An electronic signature may include your name typed at the end of an email, clicking an “I accept” button, or any other electronic means of indicating your agreement.

3. Electronic Communications

By using our Website and providing your information, you consent to receive electronic communications from us. These communications may include disclosures, agreements, notices, and other information regarding your transactions with us. You agree that all electronic communications we provide to you will satisfy any legal requirement that such communications be in writing.

4. Right to Withdraw Consent

You have the right to withdraw your consent to use electronic signatures and communications at any time. To do so, you must notify us in writing at the contact information provided below. However, withdrawing your consent may impact your ability to complete transactions electronically.

5. Hardware and Software Requirements

To access and retain electronic communications and documents, you must have:

  • A computer or device capable of accessing the internet.
  • A web browser that supports encryption and security features.
  • A valid email address.
  • Software that enables you to view PDF documents, as some documents may be provided in this format.

6. Updating Your Information

It is your responsibility to provide and maintain a valid email address and other contact information with us. If your email address changes, you must update your information in a timely manner to ensure you receive all communications.

7. Contact Information

For questions regarding this UETA and ESIGN Act disclosure or to withdraw your consent, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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Cookie Policy (Last updated: November 1, 2024)

Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) uses cookies and similar technologies on our website, lendexa.com (“Website”). This Cookies Policy explains what cookies are, how we use them, and how you can manage your cookie preferences.

1. What are Cookies?

Cookies are small text files placed on your device by websites that you visit. They are widely used to make websites work more efficiently and to provide information to the site owners. Cookies allow us to recognize your device and remember certain information about your visit.

2. Types of Cookies We Use

We use the following types of cookies on our Website:

  • Essential Cookies: These cookies are necessary for the Website to function and cannot be switched off in our systems. They are usually set in response to actions you take, such as setting your privacy preferences, logging in, or filling out forms.

  • Performance Cookies: These cookies collect information about how visitors use our Website, such as which pages are visited most often and any error messages encountered. This information helps us improve the Website’s performance.

  • Functional Cookies: These cookies enable the Website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages.

  • Targeting Cookies: These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant ads on other sites.

3. How We Use Cookies

We use cookies for the following purposes:

  • To analyze how our Website is used and to monitor its performance.
  • To personalize your experience on our Website by remembering your preferences.
  • To provide you with targeted advertisements based on your interests.

4. Managing Cookies

You have the right to decide whether to accept or reject cookies. You can manage your cookie preferences through your browser settings. Most web browsers allow you to:

  • View the cookies stored on your device.
  • Delete cookies that are already on your device.
  • Block cookies from being set on your device.
  • Set your browser to notify you when you receive a cookie.

For detailed information on how to manage cookies in different browsers, you can visit the following links:

5. Changes to This Cookies Policy

We may update this Cookies Policy from time to time to reflect changes in our practices. We encourage you to review this policy periodically for the latest information on our cookie practices.

6. Contact Information

If you have any questions about our use of cookies or this Cookies Policy, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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Acceptable Use Policy (Last updated: November 1, 2024

This Acceptable Use Policy (“Policy”) governs your use of the website operated by Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) at lendexa.com (“Website”). By accessing or using our Website, you agree to comply with this Policy. If you do not agree with the terms of this Policy, please do not use our Website.

1. Purpose

The purpose of this Policy is to ensure that our Website and services are used in a safe, legal, and respectful manner. We reserve the right to modify this Policy at any time, and your continued use of the Website constitutes acceptance of the revised terms.

2. Permitted Use

You may use our Website only for lawful purposes and in accordance with this Policy. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation.
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
  • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with our content standards (as outlined below).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website or which, as determined by us, may harm the Company or users of the Website or expose them to liability.

3. Prohibited Activities

You agree not to:

  • Use the Website in any manner that could disable, overburden, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real-time activities through the Website.
  • Use any robot, spider, or other automatic devices, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

4. User Contributions

If you provide feedback, comments, or suggestions to us regarding the Website or our services (“User Contributions”), you grant us the right to use, reproduce, modify, publish, distribute, and disclose such User Contributions to third parties in any media. You represent and warrant that you own or control all rights to your User Contributions and that your User Contributions do not violate this Policy.

5. Content Standards

All User Contributions must comply with applicable laws and regulations and must not:

  • Contain any material that is defamatory, obscene, abusive, harassing, or otherwise objectionable.
  • Impersonate any person or entity or misrepresent your identity or affiliation with any person or entity.
  • Encourage or promote any illegal activity, including but not limited to, copyright infringement.

6. Enforcement

We reserve the right to:

  • Monitor user activity to ensure compliance with this Policy.
  • Investigate any suspected violations of this Policy and take appropriate action, including termination of access to the Website and reporting violations to law enforcement.

7. Changes to This Policy

We may update this Acceptable Use Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on this page with an updated effective date.

8. Contact Information

For questions regarding this Acceptable Use Policy, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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Copyright Policy (Last updated: November 1, 2024)

Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) is committed to protecting intellectual property rights and adhering to copyright laws. This Copyright Policy outlines our practices regarding copyrighted materials on our website at lendexa.com (“Website”).

1. Copyright Ownership

All content on our Website, including but not limited to text, graphics, logos, images, audio clips, video clips, and software (collectively referred to as “Content”), is the property of Lendexa Mortgage LLC or its content suppliers and is protected by United States and international copyright laws. Unauthorized use of any Content may violate copyright, trademark, and other laws.

2. Permitted Use

You may access and use the Content on our Website for personal, non-commercial use only. This includes:

  • Viewing, downloading, and printing Content for your personal use.
  • Sharing links to our Website or specific Content, provided that you do not imply endorsement by us.

Any other use of the Content, including but not limited to reproduction, modification, distribution, or public display, requires our prior written permission.

3. Copyright Infringement Notification

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement, please provide us with the following information:

  • A description of the copyrighted work you claim has been infringed.
  • A description of where the allegedly infringing material is located on our Website.
  • Your contact information, including your name, address, telephone number, and email address.
  • A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law.
  • A statement that the information provided is accurate and that you are the copyright owner or authorized to act on behalf of the owner.

Please send your copyright infringement notification to: Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

4. Counter Notification

If you believe that your material was removed or disabled by mistake or misidentification, you may submit a counter notification with the following information:

  • Your name, address, and telephone number.
  • A description of the material that was removed or to which access was disabled and the location where the material appeared before it was removed.
  • A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled due to a mistake or misidentification.
  • Your signature, physical or electronic.

Counter notifications should be sent to the contact information provided above.

5. Changes to This Policy

We may update this Copyright Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Website after any changes to this Policy constitutes acceptance of the revised terms.

6. Contact Information

For questions regarding this Copyright Policy, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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Terms of Service and Privacy Policy — Use of AI (Last Updated: November 1, 2024)

This Terms of Service and Privacy Policy (“Policy”) governs your use of AI-related services, including the AI chatbot, provided by Lendexa Mortgage LLC (“Company,” “we,” “us,” or “our”) through our website at lendexa.com (“Website”). By accessing or using our AI services, you agree to comply with this Policy. If you do not agree with the terms, please do not use our AI services.

1. AI Services

Lendexa Mortgage LLC offers various AI-powered services, including an AI chatbot that assists users by providing information and answering queries related to our mortgage services (“AI Services”). These services may utilize machine learning and other AI technologies to enhance user experience and provide relevant information.

2. AI Chatbot

Our AI chatbot is designed to assist you with inquiries about mortgage rates, loan options, and other related services. While the chatbot can provide helpful information, it is important to note that:

  • The chatbot may not always provide accurate or complete responses. It is intended for informational purposes only and should not be considered a substitute for professional advice.
  • You should not share sensitive personal information with the chatbot. We recommend that you contact our representatives for specific inquiries that require confidential information.

3. User Responsibilities

You agree to:

  • Use the AI Services for lawful purposes and in accordance with applicable laws and regulations.
  • Provide accurate and complete information when interacting with the AI chatbot and other AI Services.
  • Not use the AI Services in any way that could harm or disrupt the functionality of the Website or interfere with any other party’s use of the AI Services.

4. Data Collection and Use

When you use our AI Services, including the AI chatbot, we may collect the following types of information:

  • Personal Information: This includes information such as your name, email address, phone number, and other details you provide while using our AI Services.
  • Usage Data: We may collect data on how you interact with our AI Services, including time spent, features used, and other engagement metrics.

We use this information to:

  • Provide and improve our AI Services, including the AI chatbot.
  • Personalize your experience and offer tailored content.
  • Analyze usage trends and enhance service delivery.

5. Data Privacy

We are committed to protecting your privacy. Our handling of your personal information is governed by our Privacy Policy (link to your main Privacy Policy), which describes how we collect, use, and share your information.

6. Third-Party Services

Our AI Services may integrate with third-party tools and services. If you choose to engage with these third-party services, your interactions will be governed by their respective privacy policies and terms of service. We encourage you to review these policies before engaging with such services.

7. Disclaimers

  • The AI Services, including the AI chatbot, are provided on an “as-is” and “as-available” basis without any warranties of any kind, either express or implied.
  • While we strive to provide accurate and reliable information, we make no representations or warranties regarding the accuracy, reliability, or completeness of the AI Services or any content generated by them.

8. Limitation of Liability

To the fullest extent permitted by law, Lendexa Mortgage LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the AI Services.

9. Changes to This Policy

We may update this Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the AI Services after any changes constitutes acceptance of the revised terms.

10. Contact Information

For questions regarding this Terms of Service and Privacy Policy, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

Website Privacy Policy (Last updated: November 1, 2024)

1. Introduction

Lendexa Mortgage LLC (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through compliance with this policy. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website, lendexa.com (“Website”), and outlines our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Privacy Policy applies to information collected:

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • Through mobile or desktop applications you may download from this Website, enabling direct non-browser interactions.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising link to this policy.

It does not apply to information collected by:

  • Us offline or through other means, including any other website operated by the Company or third parties.
  • Any third parties, including affiliates, subsidiaries, or through applications or content (including advertising) linked or accessible from our Website.

Please review this policy carefully to understand how we handle your information. By accessing or using our Website, you agree to this Privacy Policy. If you do not agree with our policies and practices, please refrain from using our Website.

2. Persons Under the Age of 18

Our Website is not intended for individuals under 18. We do not knowingly collect personal information from those under 18. If we learn we have collected or received information from a child under 18 without verified parental consent, we will promptly delete that information. If you believe we have information from or about a child under 18, please contact us at info@lendexa.com.

3. Information We Collect and How We Collect It

We collect several types of information, including:

  • Personal Information: Identifiable information, such as name, postal address, email address, and phone number.
  • Non-Personal Information: Data that does not personally identify you, such as anonymized demographic data.
  • Technical and Usage Information: Includes your IP address, browser type, operating system, and browsing behavior on our Website.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the Website via cookies and other tracking technologies.
  • From Third Parties, such as our business partners and marketing affiliates.

4. Information You Provide to Us

The information we collect on or through our Website may include:

  • Information provided when completing forms, such as registering for services or requesting information.
  • Correspondence records, including emails, if you contact us.
  • Responses to surveys for research purposes.
  • Search queries on our Website.

5. Automatic Data Collection

We may automatically collect data about your browsing behavior, including:

  • Cookies: We use cookies to recognize and store information about your preferences, personalize your experience, and track visits to our Website. You can disable cookies in your browser settings, though this may limit certain functionalities.
  • IP Addresses and Location Data: We collect your IP address and data about your location for site analytics and security.

6. Third-Party Advertiser Use of Cookies and Other Tracking Technologies

Some advertisements on our Website are served by third-party advertisers and ad networks, which may use cookies to collect information about your behavior on our Website and others. This helps deliver relevant advertisements to you. We do not control these third parties’ tracking technologies or how they may use the data. If you have questions about targeted advertising, please contact the advertiser directly.

7. How We Use Your Information

We use the information collected to:

  • Present our Website and its content to you.
  • Provide you with requested information and fulfill any purpose for which you provide it.
  • Notify you of changes to our Website, services, or this policy.
  • Enable participation in interactive Website features.
  • Contact you about our services and those of third parties if relevant.
  • Display targeted advertisements based on data collected from your browsing behavior.

8. Disclosure of Your Information

We may disclose aggregated information about our users without restriction. We may also disclose personal information:

  • To affiliates and service providers who support our business.
  • For marketing purposes with your consent or as otherwise outlined in this policy.
  • In compliance with legal obligations, including to respond to court orders or regulatory requests.
  • When disclosure is necessary to protect rights, property, or safety, including fraud protection and credit risk reduction.

9. Your Rights and Choices

You have choices regarding how we collect, use, and share your information:

  • Cookie Preferences: Adjust your browser to refuse cookies or alert you to their use.
  • Marketing Opt-Outs: You may request to stop receiving marketing communications from us.
  • California Privacy Rights: California residents may request information about our disclosures of personal information to third parties for direct marketing. For inquiries, please contact info@lendexa.com.

10. Changes to Our Privacy Policy

We may update this Privacy Policy occasionally. The effective date will be listed at the top of this page. By using our Website after such changes, you agree to the updated policy. Check this page periodically for updates.

11. Contact Information

For questions or comments about this policy and our privacy practices, please contact us at:
Email: info@lendexa.com
Mail: Lendexa Mortgage LLC, 227 W 4th Street, Office 123, Charlotte, NC 28202
Phone: 833-234-RATE

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