Terms of Use
This Website, and any of the services provided by Standard Mortgage Group LLC dba Standard Mortgage in connection with this Website, is being provided to you subject to these Terms of Use, which govern your use of the site. Please read these Terms of Use carefully. By visiting and/or using this Website, including any of the services offered on this Website, you agree to be bound by these Terms of Use, whether or not you complete a transaction with Standard Mortgage Group LLC dba Standard Mortgage; and, whether or not you complete your transaction on the Website or through the use of telephone, fax, email, postal mail, overnight delivery services, or otherwise. By using this Website you acknowledge that certain features of this Website and products and/or services of Standard Mortgage Group LLC dba Standard Mortgage may be subject to additional terms, conditions and disclaimers.
If you do not agree to these Terms of Use, you are not authorized to use this Website, or any of the services that Standard Mortgage Group LLC dba Standard Mortgage may offer through this website. Standard Mortgage Group LLC dba Standard Mortgage reserves the right to, in its sole discretion and without notice, deny you access and/or use of this Website for any reason or no reason at all.
Standard Mortgage Group LLC dba Standard Mortgage is licensed as set forth on the Website which is incorporated into this Agreement by reference. The disclosures and consents required under certain state laws are deemed to be provided, received and agreed to by your visit to and/or use of the website.
COMMUNICATIONS POLICY
We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices:
Email communications: Unless explicitly stated, emails are not intended as formal or confirmed interest rate locks, unconditional loan commitments or unconditional loan approvals. Unless explicitly stated, ARIVE does not communicate by any method conditional or unconditional loan pre-qualifications or pre-approvals or any type of agreements to lend to a borrower.Disclosures and Time Sensitive Instructions: Do not use the Platform, affiliate websites, chat or email to communicate to us any time-sensitive instructions that are in any way related to or may
affect your loan, loan application, loan disclosures or loan closing documentation (such as interest rates locks, updates of your personal information, cancellation of a closing, rescissions, or any matter related to the loan). Instead, contact your broker or lender directly.
All transactions conducted on the Service, our affiliate websites, chat or via email, must be confirmed in writing by us to be accepted by and binding upon us. Our communications regarding matters regulated by applicable federal and state laws will always be formal and notated as such.
Recording and Monitoring of Communications: As described herein, your communications with us, including via the Service, chat, email, and telephone, may be recorded or monitored, and by using such communications methods you are consenting to the recording or monitoring of the same.
Loan Decisions: The ARIVE platform is not a lender or broker, and all loan decisions, pre-qualifications, rate locks, deposits refunds, evaluations of creditworthiness, and other commitments regarding a loan are made only by your lender or broker in writing, and never by ARIVE. Approvals and pre-qualifications are conditional in accordance with their terms as specifically provided in writing signed by the relevant lender or broker.
Credit Reports: By applying for credit, you authorize us to transmit, and consent to your data being provided, to relevant credit agencies and credit report providers, and further authorize us and such parties to create, obtain, store, and transmit a copy of your or your individual client’s credit report. As a result, a “hard” inquiry may appear on the credit report. A hard inquiry may negatively affect a consumer’s credit score. Fees for credit pulls are charged to loan appliants and must be disclosed to the consumer in accordance with applicable federal and state laws. Standard Mortgage Group LLC dbs Standard Mortgage is responsible for all related mortgage lending compliance requirements to ensure all fees and costs related to the loan are properly and timely disclosed.
E-Signature: General communications through the Platform do not constitute an agreement on our part or the part of any of our integrated lenders or brokers, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, by utilizing the Platform, you will be expected to conduct all or certain aspects of your transaction electronically, and your assent to a “click to accept” button or feature affirming your own acceptance, is binding upon you.
Third-Party Service Providers: When making a loan application, or entering into a request for more information prior to applying for a loan, you are agreeing to provide us accurate, current and complete information and you acknowledge that such information will be relied upon to transact your loan application through the Service, by your broker, lender, and our third-party providers.
INFORMATION SUBJECT TO CHANGE
Although Standard Mortgage Group LLC dba Standard Mortgage has tried to provide accurate and timely information, the content of this site may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this site, are subject to change at any time without notice. Standard Mortgage Group LLC dba Standard Mortgage may change the products, services and other information identified on this site at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. The information published on this site is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on this site shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by Standard Mortgage Group LLC dba Standard Mortgage in its sole and absolute discretion, notwithstanding your visit to and/or use of this Website.
OTHER SITES
This site may contain links to other sites on the Internet and such links are provided solely for the convenience of our visitors. Standard Mortgage Group LLC dba Standard Mortgage does not, unless otherwise expressly stated, endorse, control, approve or sponsor the linked sites or advertisements contained thereon. Standard Mortgage Group LLC dba Standard Mortgage hereby disclaims liability for any other company’s website 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 Standard Mortgage Group LLC dba Standard Mortgage. 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 OF WARRANTIES
The information and materials contained in this site, including text, graphics, links or other items – are provided “as-is” and “as available” and Standard Mortgage Group LLC dba Standard Mortgage does not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including, but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, or other malware, is given in conjunction with such information and materials.
You acknowledge that neither Standard Mortgage Group LLC dba Standard Mortgage, 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. Standard Mortgage Group LLC dba Standard Mortgage does not endorse products or services appearing on linked sites or purchased via linked sites.
Except as specifically provided in this agreement or where the law requires a different standard, you agree that Standard Mortgage Group LLC dba Standard Mortgage 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, Standard Mortgage Group LLC dba Standard Mortgage 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.
LIMITATION OF LIABILITY
In no event will Standard Mortgage Group LLC dba Standard Mortgage be liable for any damages, including, without limitation: direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or link or system failure, even if Standard Mortgage Group LLC dba Standard Mortgage, or representatives thereof are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by Standard Mortgage Group LLC dba Standard Mortgage.
INDEMNIFICATION
You agree to defend, indemnify and hold harmless Standard Mortgage Group LLC dba Standard Mortgage, its affiliates, vendors and all directors, officers, employees and agents of Standard Mortgage Group LLC dba Standard Mortgage and its affiliates and vendors from and against any claim, demand, damages, liabilities, suit, expenses, costs or proceeding, including attorney’s fees and court costs, that relates to or is based on your violation of these Terms of Use or misuse of the Website, or any services available from Standard Mortgage Group LLC dba Standard Mortgage through the Website, including such violation or misuses conducted by your employee or agent, if applicable.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Website, you agree and warrant to Standard Mortgage Group LLC dba Standard Mortgage that you will not use or access this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If your use or access violates any law or any of these terms or conditions, your permission to use the Website automatically terminates.
WEBSITE SECURITY
You are prohibited from violating or attempting to violate the security of the Website, including, without limitation: (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. Standard Mortgage Group LLC dba Standard Mortgage will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.
COPYRIGHTS AND TRADEMARKS
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned/licensed by Standard Mortgage Group LLC dba Standard Mortgage, unless otherwise indicated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. You are authorized to view the information available on the Website for your informational purposes only. If you download any information from this site for your personal reference you shall not obscure any copyright, trademark or other notices, and you acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems, without the express written permission of Standard Mortgage Group LLC dba Standard Mortgage. Deliberate misuse of this site is expressly prohibited and Standard Mortgage Group LLC dba Standard Mortgage reserves the right to terminate your access to this site at any time for any reason and to advise the legal authorities of any misuse of this site, including, without limitation, hacking and the introduction of viruses or other malware. Standard Mortgage Group LLC dba Standard Mortgage is a federally registered trademark, or a Common Law trademark or tradename, owned by Standard Mortgage Group LLC dba Standard Mortgage. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website except as authorized in this paragraph. You may not use any of the Standard Mortgage Group LLC dba Standard Mortgage trademarks as a link to the Website except pursuant to a written trademark license agreement.
EMAIL & ONLINE INFORMATION REQUESTS
Please note that messages you send Standard Mortgage Group LLC dba Standard Mortgage by e-mail may not be secure and Standard Mortgage Group LLC dba Standard Mortgage recommends that you do not send any confidential information to Standard Mortgage Group LLC dba Standard Mortgage by e-mail. If you choose to send confidential information to Standard Mortgage Group LLC dba Standard Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.
By submitting your information to Standard Mortgage Group LLC dba Standard Mortgage through this Website or by any other method, you are inquiring about loan products and/or other Standard Mortgage Group LLC dba Standard Mortgage services and give Standard Mortgage Group LLC dba Standard Mortgage permission to contact you via e-mail, telephone, letter, fax or using any other information you provide, regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry.
COMMUNICATIONS WITH Standard Mortgage Group LLC dba Standard Mortgage
By submitting any comment, complaint, suggestion, improvement, idea, testimonial or other communication (“Submission” or collectively “Submissions”) to Standard Mortgage Group LLC dba Standard Mortgage through this Website or any other method, you acknowledge and agree that any and all Submissions, and all rights therein, become the sole and exclusive property of Standard Mortgage Group LLC dba Standard Mortgage, including any future rights, regardless of any subsequent modification or deletion of the provisions in the Terms of Use. You acknowledge and agree that you irrevocably disclaim any right in the Submission and that the right to use, publish, display, commercially exploit, and create derivative ideas based on the Submission belong exclusively to Standard Mortgage Group LLC dba Standard Mortgage with no compensation, notice, credit or other obligation being due or owed to you or anyone else.
Standard Mortgage Group LLC dba Standard Mortgage reserves the right to record and monitor any and all communications to Standard Mortgage Group LLC dba Standard Mortgage. By communicating with Standard Mortgage Group LLC dba Standard Mortgage through any means, you consent to such communications being recorded and monitored.
PRIVACY
Standard Mortgage Group LLC dba Standard Mortgage understands the need to safeguard your information from unauthorized use and disclosure. Please see the Standard Mortgage Group LLC dba Standard Mortgage Privacy Policy by clicking on the link at the bottom of the Website.
GENERAL
Standard Mortgage Group LLC dba Standard Mortgage 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 Website. By continuing to use the Website and the services available through it, after the date of any change to these Terms of Use, including accessing the Website, you agree to be bound by the rules contained in the most recent version of this Agreement.
GOVERNING LAW
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Coral Gables, Florida, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
SEVERABILITY
You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.
CONTACT AND VIOLATIONS
Please contact us with any questions regarding these Terms of Use. Please report any violations of the Terms of Use to legal@standardfl.com