TERMS AND CONDITIONS

Welcome to AsertaLoans Inc (“AsertaLoans,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, applications, and services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms.

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If you do not agree with these Terms, do not use the Services.

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1) Who We Are / No Legal, Tax, or Financial Advice

AsertaLoans provides mortgage-related information and may assist consumers with mortgage brokerage and loan-origination services, subject to applicable licensing and eligibility requirements.

We do not provide legal, tax, or accounting advice. You should consult your own advisors regarding your specific situation.

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2) Eligibility and Geographic Availability

You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

Our Services may not be available in all locations. Any products or services are offered only where permitted by applicable law and where AsertaLoans and its representatives are properly licensed or authorized.

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3) Informational Purposes Only; No Offer or Commitment

Content on the Services is provided for general informational purposes and does not constitute:

• a loan approval,

• a commitment to lend,

• a rate lock, or

• an offer to extend credit.

Any rates, payment examples, and scenarios are estimates only and may change. Final loan terms are subject to underwriting, verification, appraisal, title, and lender/investor requirements.

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4) Your Responsibilities and Accuracy of Information

You agree to provide accurate, current, and complete information when requested, including when submitting forms or communicating with us.

You understand that providing incomplete or inaccurate information may delay, prevent, or negatively affect your ability to qualify for a loan or receive certain Services.

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5) Credit Authorization and Third-Party Verification

By using our Services or requesting assistance with a mortgage or related product, you may authorize us (and/or our lending partners and service providers) to obtain information necessary to evaluate your request, which may include:

• credit reports,

• employment and income verification,

• bank/asset verification,

• identity verification,

• property valuation information, and

• other documents or data required by applicable law or underwriting guidelines.

Specific authorizations may be presented to you separately (for example, in a loan application package). Your authorizations may be required to proceed.

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6) Communications, Calls, Emails, and Text Messages (SMS/MMS)

a) Consent to Contact

By submitting your contact information, requesting information, or using our Services, you agree that AsertaLoans (and its service providers) may contact you at the phone number(s) and email address(es) you provide, including via calls, prerecorded messages, emails, and text messages, for purposes that may include:

• responding to your inquiries,

• providing customer service,

• requesting documents,

• scheduling appointments,

• providing status updates on an application, and

• delivering notices related to your request.

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b) Marketing Messages

Where required by law, we will obtain your consent before sending marketing texts or calls using an autodialer/prerecorded voice. If you opt in to marketing communications, you may opt out at any time as described below.

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c) Text Message Opt-Out

To stop receiving text messages, reply STOP to any text message from us (if available) or contact us using the information on our website. You may receive a final confirmation message.

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d) Message & Data Rates; Delivery

Message and data rates may apply. Text message delivery is not guaranteed and may be affected by your mobile carrier, device, coverage, and other factors. Not all messages are available in all countries.

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e) Updating Your Contact Information

You agree to notify us if your phone number or email address changes. You represent that you are authorized to provide the contact information you submit to us.

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7) No Sensitive Information via Unsecured Channels

Do not send highly sensitive information via unencrypted email or text message (e.g., full Social Security number, full bank account number, or full credit card number), unless we specifically direct you to a secure upload portal or other secure method.

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8) Third-Party Links and Services

The Services may contain links to third-party websites, services, or resources. We provide those links for convenience only and do not control or endorse third-party content, products, or services.

Your use of third-party services is at your own risk and subject to the third party’s terms and privacy policies.

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9) Intellectual Property

All content on the Services—including text, graphics, logos, icons, images, videos, software, and website design—is owned by or licensed to AsertaLoans and is protected by intellectual property laws.

You may view and print pages for personal, non-commercial use only. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our prior written permission.

 

10) Prohibited Uses

You agree not to:

• use the Services for any unlawful purpose,

• attempt to gain unauthorized access to the Services or systems,

• interfere with the security or operation of the Services,

• submit false or misleading information,

• use the Services to transmit malware, spam, or harmful code, or

• scrape, harvest, or collect information about others without authorization.

 

11) Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, ASERTALOANS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

 

12) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASERTALOANS AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES.

IN NO EVENT WILL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED $100 OR THE AMOUNT YOU PAID US (IF ANY) FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

Some states do not allow certain limitations, so some of the above may not apply to you.

 

13) Indemnification

You agree to indemnify, defend, and hold harmless AsertaLoans and its owners, officers, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to:

• your use of the Services,

• your violation of these Terms, or

• your violation of any law or the rights of any third party.

 

14) Electronic Signatures and Records

You agree that your electronic communications and submissions may constitute electronic signatures and records and that such records are valid and enforceable to the fullest extent permitted by law.

 

15) Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date above. Your continued use of the Services after any changes means you accept the updated Terms.

 

16) Governing Law; Venue

These Terms are governed by the laws of the state where AsertaLoans is headquartered, without regard to conflict of laws principles, except where federal law applies.

Any dispute arising out of or related to these Terms or the Services will be brought in the state or federal courts located in that jurisdiction, unless applicable law requires otherwise.

 

17) Contact Us

For questions about these Terms or the Services, contact us at:

AsertaLoans Inc
3232 McKinney Avenue, Suite 500

Dallas, TX 75204
Phone: 214-960-0998

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18) Additional Mortgage Disclosures (If Applicable)

Depending on your state and the nature of your request, additional disclosures may apply, including licensing information and consumer notices. Where required, such disclosures will be provided on our website or in your application materials.