These Terms of Service ("Terms") govern the use of the services provided by Stronghold Lending ("we," "us," "our") for individuals applying for a mortgage ("you," "your"). By submitting a mortgage application through our website or platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
1. Mortgage Application Process
Our online platform allows you to apply for a mortgage. By submitting an application, you provide personal and financial information that we will use to evaluate your eligibility for a mortgage. You agree to provide accurate, truthful, and complete information during the application process.
2. Eligibility Requirements
To apply for a mortgage, you must meet certain eligibility requirements, including but not limited to being a legal adult, having a valid Social Security Number (or equivalent identification), and meeting specific credit and income standards. We reserve the right to reject any application that does not meet our requirements.
3. Loan Terms and Conditions
If approved for a mortgage loan, the specific terms, including the interest rate, loan amount, repayment period, and fees, will be detailed in a separate loan agreement. These terms are subject to change based on market conditions, your eligibility, and other factors.
You acknowledge that loan approval is contingent on various factors such as creditworthiness, financial history, and the assessment of your application.
4. Payments and Fees
By accepting the mortgage loan, you agree to repay the loan according to the terms outlined in the loan agreement. Late payments may result in additional fees or penalties. You agree to provide updated payment information if requested and to keep your account in good standing.
5. Account Security
You are responsible for maintaining the security and confidentiality of your account credentials and other sensitive information. If you believe your account has been compromised or you suspect unauthorized activity, you agree to notify us immediately.
6. Prohibited Use
You agree not to use our services for any unlawful, fraudulent, or unauthorized purposes. You will not attempt to gain unauthorized access to any part of our system or interfere with its functionality.
7. Limitation of Liability
To the fullest extent permitted by law, [Your Company Name] and its affiliates will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services or any loan agreement entered into. We are not responsible for any delays or failure to perform due to causes beyond our control.
8. Dispute Resolution
Any disputes related to these Terms or your mortgage application will be resolved through binding arbitration in accordance with the laws of [Your State/Country]. By accepting these Terms, you waive any right to a jury trial or class action in connection with disputes.
9. Amendments to Terms
We reserve the right to update, amend, or modify these Terms at any time. If we make material changes, we will notify you through the contact information provided in your application. By continuing to use our services after such changes are made, you accept and agree to the updated Terms.
10. Termination
We reserve the right to terminate or suspend your access to our services at any time, for any reason, without prior notice or liability. If your application is approved and a loan agreement is entered, the termination of access will not affect the terms of your loan.
11. Contact Information
If you have any questions or concerns about these Terms of Service, please contact us at:
Stronghold Lending
50 Briar Hollow Ln., Suite 120W, Houston, TX 77027
713-485-4540
1. SMS Consent Communication:
By providing your phone number and consenting to receive SMS messages from Vegateam Financial Group LLC DBA StrongHolding Lending, you agree to receive text messages related to our services. The phone numbers collected as part of the SMS consent process will not be shared with third parties for marketing purposes.
2. Types of SMS Communications:
If you have consented to receive SMS messages from us, you may receive messages related to the following:
Example:
“Hello, this is a reminder from StrongHolding Lending regarding your upcoming appointment on [Date] at [Time]. Reply STOP to opt out at any time.”
“Stay informed! Get expert tips and the latest mortgage insights from StrongHolding Lending. Reply STOP to opt out.”
3. Message Frequency:
Message frequency may vary based on the type of communication. You may receive up to 4 SMS messages per week regarding your loan application status, payment reminders, appointment notifications, or educational and promotional content.
4. Potential Fees for SMS Messaging:
Standard message and data rates may apply based on your mobile carrier’s pricing plan. Fees may vary for domestic and international messages.
5. Opt-In Method:
You can opt-in to receive SMS messages from Vegateam Financial Group LLC DBA StrongHolding Lending through the following methods:
6. Opt-Out Method:
You can opt out of receiving SMS messages at any time. To stop receiving SMS messages, reply with the keyword "STOP" to any message. You can also contact us directly at (832) 434-8342 to request removal from our messaging list.
7. Help:
If you are experiencing issues or have questions, you can:
8. Standard Messaging Disclosures:
9. Opt-In Language:
When registering for an account or filling out forms, you will be required to confirm your SMS consent by checking the opt-in box with the following statement:
"By checking this box, you agree to receive SMS messages from Vegateam Financial Group LLC DBA StrongHolding Lending related to loan applications, account reminders, appointment notifications, literature on mortgages, and promotional information. You may reply STOP to opt-out at any time. Reply HELP for assistance at (832) 434-8342. Messages and data rates may apply. Message frequency will vary.”
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