Terms of Use
TERMS OF USE
WEBSITE OWNERSHIP
This website is owned and operated by PMI FINANCIAL, LLC.DBA as EASY MORTGAGE,P.O. Box 10966, San Juan PR 00922, which is referred to below as “EASY MORTGAGE” or “we” or “us” or “Company” or “our.”
PERMITTED USE
You agree:
1.Your use of this website is subject to and governed by these Terms of Use,
2.You will only access or use this website and transact business with us if you are at least 18 years old,
3.You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website,
4.Each use of this website by you indicates and confirms your assent to an agreement to be bound by these Terms of Use, and
5.These Terms of Use are a legally binding agreement between you andEASY MORTGAGEthat will be enforceable against you.
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with EASY MORTGAGEas a bona fide client of EASY MORTGAGE; you may not use or attempt to use this website or any part of this site for any purpose:
1.that interferes with or induces a breach of the contractual relationships between EASY MORTGAGEand its employees,
2.that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
3.that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications,
4.that transmits any harmful or disabling computer codes or viruses,
5.that harvests Email addresses from this site,
6.that transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website,
7.that interferes with our network services;
8.that attempts to gain unauthorized access to our network services,
9.thatsuggests an express or implied affiliation with EASY MORTGAGEor broker relationship with EASY MORTGAGE(without the express written permission of EASY MORTGAGE),
10.that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
11.that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with EASY MORTGAGEas a bona fide client of EASY MORTGAGE.
12.that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
13.that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
14.that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
15.that harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
16.that dilutes or depreciates the name and reputation of EASY MORTGAGEor any of its affiliates;
17.that transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy; or
18.that unlawfully transmits or uploads any confidential, proprietary or trade secret information.
ACCESS TO THIS WEBSITE
EASY MORTGAGE always reserves the right,in its sole discretion and without notice to you, to deny your access to and use of this website.
USE OF THIS WEBSITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
INTELLECTUAL PROPERTY RIGHTS
The following marks appearing on this website, including, but not limited to: PMI FinancialLLC.; and the respective logos, emblems, slogans and designs are trademarks and/or service marks of EASY MORTGAGE.
All other marks used on this website are the property of their respective owners.
Web Page Content: You acknowledge and agree that:
• all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
• all rights associated with the Web Page Content are owned by EASY MORTGAGE, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from,perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content.
You may not use Web Page Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, Email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
• in or as any meta-tag or hidden text;
• in or as part of any contextual marketing directory, index, or triggering term;
• as content or advertising related to any other website including, but not limited to,
comparative/informational websites; and/or
• as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.
Submissions:You acknowledge and agree that all submissions to EASY MORTGAGEcontaining any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge EASY MORTGAGE, unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.
LINKING
Not Responsible forLinks to Other websites:For your convenience, this website may provide links to other websites on theinternet (WWW). Unless expressly stated otherwise on this website, EASY MORTGAGEdoes not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website,you acknowledge and agree that EASY MORTGAGEwill not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links.EASY MORTGAGEdoes not permit third-party advertising on this website. Except with the written permission of EASY MORTGAGE, you agree that you will not create links from any website or Web page to this website or any Web page within this website.
REVISIONS AND MODIFICATIONS
You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to referoften to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President of EASY MORTGAGE.
LOCATION
You understand and acknowledge that EASY MORTGAGE.controls and operates this website fromPuerto Rico, a United State Territory.This website provides information regarding services and products that are made available in Puerto Ricoonly. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of Puerto Rico or the United States or (b) in every state within the United Statesand other US territories. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.
USER IDs AND PASSWORDS
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify EASY MORTGAGEimmediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or useof this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
PRIVACY AND SECURITY
We respect and protect the privacy of those who visit or use our website.When we collect information from you, we want you to know how it is used. We are commitment to fair information practices;therefore,we apply industry privacy guidelines.By using our website, you are consenting to the use of information and agreeing to these guidelines and the other EASY MORTGAGE, policies described on our website.EASY MORTGAGE,does not share your personal information with outside companies for their promotional use without your consent.Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 18. Therefore, we don’t knowingly attempt to solicit or receive any information from children.We are not responsible if third party agencies or companies affiliated share your information, if they share or you receive calls or emails from them, you can stop these calls and Emails by opting out.
We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to EASY MORTGAGE, is protected with technology from Encompass® byEllie Mae, Inc. that enables encryption of your data. We use:
• Secure Socket Layer (SSL):The EASY MORTGAGE,Web server supports the Secure Socket Layer (SSL) transaction protocol. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
• 128-Bit Domestic Grade StrongEncryption:EASY MORTGAGE, uses 128-Bit Encryption, a powerful encryption commercially available for Internet products. (However, be aware that if you are using a 64-bit browser, your encryption level, while secure, is not the highest level available.
• We work to protect personally identifiable information stored on the site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a usernameor member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
INDEMNIFICATION
If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United Statesand Puerto Rico, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify EASY MORTGAGEand its affiliates, vendors and licensors, and allthe employees, officers, directors, agents and representatives of EASY MORTGAGEand its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.
DISCLAIMERS
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, EASY MORTGAGEDISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. EASY MORTGAGEMAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. EASY MORTGAGEHAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.
YOU ACKNOWLEDGE AND AGREE THAT EASY MORTGAGEIS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, EASY MORTGAGE.EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. EASY MORTGAGE.MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT EASY MORTGAGE, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER
EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL EASY MORTGAGEBE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT EASY MORTGAGE.SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL EASY MORTGAGE.’ TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.
COMMUNICATIONS WITH COMPANY
Email, by itself, may not accurately reflect the complete communication or intent of theCompany as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature,even if the sender’s name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients, in a formal signed writings from the Company.
Time Sensitive Instructions:When communicating with us through this website, online chatsor via Email, do not use the website, chat or Email to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, online chatsor via Email, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals:All loan approvals, qualifications, rate locks, deposit and refund agreements, and the like, are only made by EASY MORTGAGEin writingor by communication on aClient Portalor by official email. Approvals and qualifications are conditional in accordance with the Termsexcept,as be specifically provided for,in writing,signed by EASY MORTGAGE.
Credit Reports:By applying for credit, you will receive an authorization to authorizeEASY MORTGAGEto obtain a copy of your credit report. As a result, a “hard” inquiry may appear on your credit report. A hard inquiry may negatively affect your credit score.
E-Signature:General communications through this website, online chat or via Email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employedunder a Client Portalor an authorized E-Signature platform is used. However, your assent to a “click to accept” button or box is binding upon you.
Recording & Monitoring of Communications:Your communications with us via the website, 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.
CONTACT METHODS AND OPT-OUT
Agreement to calls and information sharing:If you submit to EASY MORTGAGEthrough this website or otherwise you are making an inquiry as to lending programs and services offered by EASY MORTGAGE.You understand and agree that if you submit an inquiry, we may share the information that you provide, including, but not limited to, your full name, birth date, address, telephone number, and social security number with our affiliates so that they may respond to your inquiry. You authorize EASYMORTGAGEto share your information, either as provided by you or as corrected by us. You acknowledge that EASY MORTGAGEis not a party to any agreement that you may make with an affiliate, and that the affiliate is solely responsible for its services to you. You understand that requirements for a productor service, including a mortgage, are determined by the affiliates and that EASY MORTGAGEdoes not endorse, warrant, or guarantee the products or services of any of its affiliates. Nothing in these Terms of Use or on this website constitutes an offer for a loan commitment or interest rate lock agreement. You agree that EASY MORTGAGE shall not be liable for any damages or costs which arise from your use of the affiliates’ goods or services.
By submitting your contact request for a loan product, you are consenting to be contacted by one or more Affiliates, and byour mortgage partners by phone(on a recorded line), automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the Affiliates and Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an Affiliate or Partner, you agree to notify the Affiliate or Partner directly. You can opt-out of various contact methods
APPLICATION OF ADDITIONAL TERMS
You acknowledge that certain features of this website, as well other products and services of EASY MORTGAGE, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms ofUse, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.
AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which EASY MORTGAGEmay rely.
YOUR COOPERATION NEEDED
EASY MORTGAGE generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you apply, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information EASY MORTGAGE may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify EASY MORTGAGEof any changes in any information submitted in connection with your application.
REASONABLE EFFORTS
While EASY MORTGAGEwill use its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipatedclosing date, some of the process isnot under our control. For instance, EASY MORTGAGEcannot be responsible for delays in loan approval or closing due tothe untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond EASY MORTGAGE,reasonable control.
DEPOSIT / REFUND POLICY
When you submit a loan application, EASY MORTGAGEwill begin to process your application and, as a result, will advance on your behalf costs for certain third-partyexpenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of EASY MORTGAGE third party costs. Please review your deposit agreement for details specific to your loan application.
GOVERNING LAW
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of Puerto Rico, a commonwealth territory of United States, 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 territoryor federal courts located in Puerto Rico, and you hereby consent and submit to the personal jurisdiction of such courts for the purposesof 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.
DISCLOSURES AND LICENSES
EASY MORTGAGE, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commissionunder Equal Credit OpportunityAct.
COPYRIGHT INFRINGEMENT
EASY MORTGAGE is committed to protecting copyrights and expects you to do the same. If you believe in good faith that any material used or displayed on the EASY MORTGAGE infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. Such as:
A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the material that is claimed to beinfringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
Information reasonably enoughto permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Please provide this information to EASY MORTGAGE Agent, who can be reached as follows:
By Mail:
EASY MORTGAGE
Attn: Legal Team
P.O. Box 10966, San Juan PR 00922
By E-Mail: info@pmifinancialpr.com
Attachments cannot be accepted on notices sent via e-mail. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.
YOUR PUERTO RICOPRIVACY RIGHTS
Puerto RicoCivil Code § 1798.83 permits our visitors who are Puerto Ricoresidents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to info@pmifinancialpr.com or write us:
EASY MORTGAGE
Attn: Legal Team
P.O. Box 10966, San Juan PR 00922
EQUAL OPPORTUNITY EMPLOYER
The Company is an equal opportunity employer. Any complaints or concerns about the Company’s employment practices may be directed to info@pmifinancialpr.com
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