January 15, 2018
THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 8 and 9). These provisions form an essential basis of our bargain.
If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Website.
For purposes of this Agreement, "You" or "Your" means the person(s) using the Website, and/or the good, facilities or services of BorrowMoney.com, Inc. offered through alternative methods, including persons that allow others to provide information about themselves to BorrowMoney (as defined below), the banks, lenders, lending partners, and realtor partners on BorrowMoney's network or real estate professionals (as defined in section 6). "BorrowMoney", "us" or "we" means, but is not limited to BorrowMoney.com, Inc.
THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.
Table Of Content
- Consumer Information Security Policy
- Mortgage Request Services
- Loan Request Service
- Non-Mortgage Loan Request Services
- Request for other Service and Products
- Realty Services
- Copyright, Trademark and Service Mark Notices
- Disclaimers and Liability
- Communications/Notices and Information Delivered Electronically
- Other Terms
1. CONSUMER INFORMATION SECURITY POLICY
While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, BorrowMoney understands your concerns with the safety of your personal information. The following is a summary of the measures BorrowMoney takes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.
BorrowMoney uses well-known and vetted security technology to protect your data and transmissions between you, BorrowMoney, banks, lenders, lending partners, realtor partners, and real estate professionals participating in the BorrowMoney Website. Transmissions between BorrowMoney, banks, lenders, lending partners, realtor partners and real estate professionals are encrypted using public key cryptography algorithms with a minimum key size of 256 bit.
Those pages on the Website that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except BorrowMoney. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. This technology requires any modern web browser such as Internet Explorer, Firefox, Safari or Opera. You can verify that your communications with BorrowMoney are secure by checking for the key or lock icon on your browser. If your browser’s security feature has been turned on, a pop-up box will notify you when you enter a secure page.
Another important information security measure in place throughout the Website is the timeout feature. This feature will log you out if there has been no activity within a specified amount of time.
The BorrowMoney process occurs when you complete a form for a loan request and get matched with Lenders, or lending partners who will reply and respond with conditional loan offers.
A. Terms Applicable to All Mortgage Loan Request Services
BorrowMoney is a fintech lead exchange originator platform and can perform computerized services for Lenders or lending partners and is compensated for such services by the Lenders or lending partners. Lenders or lending partners are not to directly charge you any computerized loan fee and the fee should appear on your settlement statement. Depending on the Lenders or lending partners, the computerized lead origination fee paid by the Lender s or partners may be included in your rate, points or loan terms. Although some state licensing laws treat fees paid in exchange for computerized lead services as mortgage broker fees or origination fees may not be the case under federal law. BorrowMoney is not a lender nor is acting as a lender or broker and does not make loans or credit decisions in connection with loans. BorrowMoney does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Website), BorrowMoney is not an agent of you or any Lenders or lending partners. BorrowMoney's services are only administrative. You should rely on your own judgment in deciding which available loan product terms Lenders or lending partners best suits your needs and financial means. The Lenders or lending partners is solely responsible for its services to you, and you agree that BorrowMoney will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders or lending partners may keep your loan request information and any other information provided by BorrowMoney or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lenders or lending partners directly if you no longer want to receive communications from them.
The Website and the services provided by BorrowMoney are available in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified. Loans may only be made to residents of, or secured by real property located in, states where Lenders or lending partners are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states by participating in and offering their products on the Website. BorrowMoney Lenders or lending partners expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Website at any time, without prior notice.
The data and other information you may provide BorrowMoney is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. BorrowMoney does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender or partners; loan approval standards are established and maintained solely by individual Lenders or lending partners. Likewise, BorrowMoney does not guarantee that the loan terms or rates offered and made available by Lenders or lending partners are the best terms or lowest rates available in the market. A Lender’s or partners offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders or lending partners may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders or lending partners may not offer all products as well as not offer products in all states. You might not be matched with the Lender or lending partners making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, BorrowMoney and its Lenders or lending partners may obtain, verify and record information that identifies each person who opens an account with us and them. Our Lenders or lending partners and we may ask for your name, Social Security Number, address, date of birth and other important information including information received from your credit file, that will allow us and them to properly identify you. During the Lender application process, they may also ask to see your driver's license or other identifying documentation.
BorrowMoney may be paid a fee by Lenders or lending partners for the goods, facilities and services provided. Regardless whether you obtain a loan from BorrowMoney's network of Lenders or lending partners, at closing you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.). BorrowMoney does not charge you a fee for its service in matching you with Lenders or lending partners.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through BorrowMoney to each of the Lenders or lending partners to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender or partners you have been matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders, Lending partners or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.
BorrowMoney seeks to provide you multiple conditional loan offers through its network of affiliated Lenders or lending partners. By submitting a loan request form, you authorize BorrowMoney to provide information provided by you or third parties to Lenders or lending partners on the BorrowMoney network, along with any additional lenders, Lending partners, or investors necessary to complete your loan transaction. You also authorize BorrowMoney and its Lenders or lending partners, along with any additional Lenders, partners or investors necessary to complete your loan transaction, to request from one or multiple credit bureaus/reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history. At the present time, Fair Isaac Corporation (the company that provides "FICO" credit scores) reports that, for mortgage or auto loans, it disregards those inquiries made in the 30 days prior to the lender receiving the credit score and that beyond the 30 days, it consolidates all credit inquiries that occur within a 14-day period into one inquiry for scoring purposes.
BorrowMoney Network of Lenders or lending partners. BorrowMoney seeks to provide you multiple conditional loan offers through its network of affiliated Lenders or lending partners (U.S. based banks, thrifts, mortgage brokers, mortgage bankers and finance companies).
To determine which Lenders or lending partners may be matched with you, Lenders or lending partners provide criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender or lending partners is interested. BorrowMoney will provide your information to Lenders or lending partners whose criteria match your profile.
BorrowMoney offers non-mortgage (including automobile loan, commercial loan, credit card, personal loans and student loan) loan request services, explained in more detail below.
A. Terms Applicable to All Non-Mortgage Loan Request Services
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through BorrowMoney to each of the Lenders or lending partners to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender or lending partners you have been matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or lending partners, You hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regard to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.
B. Additional Terms Applicable to Credit Card, Personal Loan and Commercial Loan Request Services If you request a credit card, personal loan or commercial loan, BorrowMoney may also provide your information with one of the lenders, Lending partners, or realtor partners in that program.
Notice for Married Wisconsin Residents.
No provision of a marital property agreement (pre-marital agreement), a unilateral statement under Section 766.59 of the Wisconsin Statutes, or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the creditor unless, prior to the time the credit is granted, the creditor is furnished a copy of the marital property agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the loan for which you are applying is granted, your spouse will also receive notification that credit has been extended to you.
BorrowMoney offers requests for other products and services on the Website. You may be able to access these products and services when you complete a request and either (i) are matched with potential third party lenders, lending partners, or realtor partners ("Provider" includes any third-party affiliate or finder of a Provider) who will respond with conditional offers for products or services or (ii) r provided with the name and information about potential Lenders, lending partners, or realtor partners who may able to respond with the requested products or services or information about the requested products or services without any offers. The Lenders, lending partners, or realtor’s partners that can provide you with conditional offers may not respond with offers until they speak with you to get additional information.
A. Terms Applicable to All Requests for other Products and Services
BorrowMoney is not a provider of products or services and does not make any decisions in connection with the products or services offered by Lenders, lending partners, or realtor partners. BorrowMoney does not endorse or recommend the products or services of any particular Provider on any of its Website. BorrowMoney is not an agent of either you or any Provider. BorrowMoney's services are only administrative. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that BorrowMoney shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Lenders, lending partners, or realtor partners may keep your request information and any other information provided by BorrowMoney or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them.
Products and services may only be made to residents of states where Lenders, lending partners, or realtor partners are licensed or authorized to make such products or services available. BorrowMoney and Lenders, lending partners, or realtor partners expressly reserve the right to discontinue, suspend or terminate the offering of any product or service in any specific state through the Website at any time, without prior notice.
The data and other information you may provide BorrowMoney is not, and is not treated as, an application for that product or service. BorrowMoney does not guarantee acceptance into any particular program or specific term or condition with any Provider; approval standards are established and maintained solely by individual Lenders, lending partners, or realtor’s partners. Likewise, BorrowMoney does not guarantee that the terms or rates for the products or services offered and made available by lenders, Lending partners, or realtor partners are the best terms or lowest rates available in the market. A lender, Lending partners,’ products or services may be subject to market conditions, approval and qualification. The terms and rates actually provided by lenders or lending partners may be higher or lower depending on your individual financial profile, your location and other considerations. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a product or service. lenders or lending partners may not offer all products or services as well as not offer products or services in all states. You may not be matched with the lenders or lending partners making any specific offer.
BorrowMoney is paid a fee by either the lender or lending partners or a third party "finder" (if the finder markets for or to the lender or partners) for the goods, facilities and services BorrowMoney lenders or lending partners. Your use of the Website and/or BorrowMoney's services constitutes your agreement with this compensation arrangement. You will not be responsible for paying for any cost associated with the product or service. BorrowMoney will not charge you a fee for its services.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a product or service through BorrowMoney to each of the Lenders, lending partners, or realtor partners to whom your request is transmitted. By submitting the request containing your electronic signature, you are extending an express invitation to each Provider to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders, lending partners, or realtor partners or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regard to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete.
By submitting the request form, you authorize BorrowMoney to provide information that you provided or that BorrowMoney has or may have received from others to Lenders, lending partners, or realtor partners or their finders, along with any additional lenders, lending partners, or realtor partners necessary to complete your transaction. By submitting any eligibility form, you authorize BorrowMoney to provide your information from lenders, or lending partners to discuss, review or provide product or services information and opportunities. You also authorize BorrowMoney and its lenders or lending partners and finders along with any additional lenders, lending partners, or realtor partners necessary to complete your transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry to BorrowMoney and its network or real estate professionals ("real estate professionals"). Further, that you are representing all of the information you have provided in the referral form is true and complete. You authorize BorrowMoney to forward your information to its network of real estate professionals. You further understand and agree that by selecting a real estate company or professional, you are extending an express invitation for them to contact you by telephone at the numbers you have provided, and you hereby consent to any such calls even if your phone number is on the Do Not Call list. In addition, by completing and submitting a request for more information regarding a real estate listing or requesting contact with a real estate professional, you understand and agree that you are extending an express invitation to real estate professionals to call you by telephone at the numbers you have provided, and you hereby consent to any such calls even if your phone number is on the Do Not Call list. You understand that these real estate professionals may keep the information you submit whether or not you communicate with them regarding a real estate listing and whether or not you complete a real estate transaction with them. Real estate programs are administered by BorrowMoney.
In certain geographic areas, BorrowMoney lists homes. Instead, real estate brokerage activities are performed by local licensed real estate brokers. BorrowMoney acts as a referring broker by referring you to a local real estate broker, and for its services, BorrowMoney receives no fee.
Real Estate Create an Account/Registration. By creating an account or otherwise registering with this site, you hereby understand and agree that you have established a business relationship between you and BorrowMoney.com, Inc., which is the owner of this site. As such, you agree that BorrowMoney may contact you using information you provided with information and offers of services available through BorrowMoney and the Website. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list.
All contents of the Websites are: Copyright © 2010 - 2018 BorrowMoney.com, Inc. and/or its suppliers, Lenders or lending partners, realtor partners, or real estate professionals, 512 Bayshore drive fort Lauderdale, FL 33304 U.S.A. All rights reserved. BorrowMoney is a service mark of BorrowMoney.com, Inc... Other product and company names mentioned herein, including the names of Lenders, lending partners, realtors partners may be the trademarks of their respective owners.
Nothing on the Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the BorrowMoney or the applicable Mark holder specific for each such use. The Marks may not be used to disparage BorrowMoney, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by BorrowMoney in writing.
The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. BorrowMoney owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of BorrowMoney and the copyright owner. Elements of the Website are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.
BorrowMoney intends that the information contained in the Website be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by BorrowMoney at any time. Under no circumstances will BorrowMoney be liable for any loss or damage caused by your reliance on information obtained through the Website. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Website.
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". BORROWMONEY AND/OR ITS SUPPLIERS, LENDERS, LENDING PARTNERS, REALTOR PARTNERS, OR REAL ESTATE PROFESSIONALS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR BORROWMONEY'S SERVICES IS AT YOUR OWN RISK. BORROWMONEY AND/OR ITS SUPPLIERS, LENDERS, LENDING PARTNERS REALTOR PARTNERS, LENDERS, OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR BORROWMONEY'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO BORROWMONEY RECORDS, PROGRAMS OR SERVICES, , OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BORROWMONEY AND/OR ITS SUPPLIERS, LENDERS, LENDING PARTNERS, REALTOR PARTNERS, OR REAL ESTATE PROFESSIONALS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
BorrowMoney, Lenders, lending partners, realtor partners and real estate professionals may choose to electronically deliver all information related to its services and your requests. BorrowMoney, Lenders, lending partners, Realtor partners, and real estate professionals' electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, other terms, conditions and documents, and the privacy policies of BorrowMoney, Lenders, Lending partners, or realtor partners, and real estate professionals.
You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with BorrowMoney, Lenders, Lending partners, realtor partners, and real estate professionals. This means that BorrowMoney, Lenders, Lenders, lending partners, or realtor partners and real estate professionals may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, lending partners, Realtor partners, and real estate professionals or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically. The Consent for Electronic Disclosures and Communications from Network Lenders is the disclosure that provides greater detail.
To access and retain information and notices we send or make available to you electronically, you will need:
- Internet access with 256-Byte encryption
- Adobe Acrobat Reader 6 or higher
- Ability to Print Internet Explorer 6 or higher
- Netscape 8.04 and above (Use in IE mode)
- Email Access or Firefox version 1.5
This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Website, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Website and any operating rules for the Website established by BorrowMoney) constitutes the entire agreement between you and BorrowMoney and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and BorrowMoney with respect to the Website and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of Florida, excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.
Privacy notice Back to top
In General. We want you to feel confident using our website to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that youpersonal information, searches or hother communication, will always remain secure. Users should also take care how they handle and disclose their personal information. for information about how to protect yoursel please refer to the Federal Trade Commission'swebsite
We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to BorrowMoney servers located in the United States and other countries around the world.
Information You Provide. We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your home or prospective home, your financial information (such as your income, assets, or debts), your encrypt Social Security number, personal information (such as your gender and age), and, if you lock-in a loan through BorrowMoney Loans, information about your lock-fee payment method if any,(valid credit card number, type, expiration date or other financial information).
Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties. Examples of information that we may receive include credit reports, information about your home and additional demographic information. However, BorrowMoney does not pull a credit bureau report on loan customers without permission.
Information about Others. We may also collect and store personal information that you provide to us about other people (such as co-borrowers), including their name, address, phone number, encrypt Social Security number, financial information or other personal information.
We and our authorized service providers, advertising companies, and ad networks use various technologies to collect information from your computer and about your activities on our websites (see "Information Collected by Third Parties" below). We and these companies automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see "Cookies" below) and the referring website address.
When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience, and to record information about your visit to our websites. Through the use of a cookie, we and these companies also may automatically collect information about your online activity on websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.
Other Technologies. We may use standard Internet technology, such as other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our websites' visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.
Information Collected by Third Parties.
We may allow third-parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements and other materials on our websites, and to deploy technology for our benefit, for example, to load web pages quicker. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and/or connect to our websites. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge, among other things, the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies. For a list of other third-party advertising companies, we typically use, click here.
When you send us email, we retain it. please consider that any unencrepted email sent over the internet can be intercepted; you should limit the type of personal information you email over the internet.
Borrowmoney Website is intended for an adult audience and is not meant for children. Borrowmoney.com does not knowingly collect information from children under 13. borrowmoney.com policy is to not collect personal information of any person under 13. If borrowmoney.com knowingly obtains personally identifiable information in error of children under the age of 13, borrowmoney.com will delete that information from our systems.
BorrowMoney.com, Inc. also engages in real estate and real estate brokerage activities through several other divisions or subsidiaries and maintains several real estate-related websites. The privacy practices and policies relating to BorrowMoney.com, Inc.'s real estate related activities are described in a separate document. For information about BorrowMoney.com, Inc.'s real estate privacy policies and practices, click here.
Visiting our Websites from Outside the United States
No Rights of Third Parties
The Housing Financial Discrimination Act of 1977 Fair Lending Notice
It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of: (a) trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or (b) race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to four-unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four-unit family residence.
If your inquiry is forwarded to Lenders or lending partners that makes you an offer, within three business days from the date you submit an application to the Lenders or lending partners you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act.
Borrowmoney does not make mortgage loans or commitments.
If the Lenders or lending partners denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.
An applicant, if married, may apply for a separate account.
Mortgage Loan Disclosure Statement
Borrowmoney.com, Inc. may receive a fee from Lenders or lending partners upon passing along your inquiry as compensation for its services. Borrowmoney.com may receive this fee whether or not you close your loan. This is the total compensation Borrowmoney.com, Inc. receives from the Lenders or lending partners for its services and. I acknowledge that this fee will be paid to Borrowmoney.com
If you transact with Lenders or lending partners linked via your inquiry with Borrowmoney.com, Inc., the Lenders or lending partners shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1013. This agreement shall include the terms and principle amount of the loan, an explanation of the type of loan, the interest rate, points and fees, and the length of time the finance agreement is in effect. This must be executed by the Lenders or lending partners and delivered at least 72 hours before settlement.
Borrowmoney.com inc, Correspondent Mortgage Lenders or lending partners.
This disclosure is written to give you notice that Borrowmoney.com does not originate mortgage loans or commitments. Although Borrowmoney.com will forward your loan request to its participating lenders or lending partners, Borrowmoney.com does not guarantee acceptance into any particular loan program. Should you choose to apply for a mortgage loan with a participating lenders or lending partners, that lenders or lending partners will provide you with a Good Faith Estimate itemizing fees, including loan origination and/or other settlement service fees. The documentation you receive will also include information on whether any fees paid are refundable.
YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM BORROWMONEY.COM OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY BORROWMONEY.COM.
Mortgage Broker/Origination Agreement
borrowmoney.com will not act as your lender or credit provider.Borrowmoney.com will pass along the information you submit to our lending partners and our lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders, partners or investors in the market and cannot guarantee the lowest price or best terms available in the market. Borrowmoney.com provides mortgage information at no cost to you. Borrowmoney.com will not charge or seek fees of any kind from you. Borrowmoney.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lenders or lending partners. This agreement remains in effect only as long as you seek to use the services offered by Borrowmoney.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.
If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment charge. A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement.
Interest Rate Lock Information
An interest rate that is not locked in is subject to change.
Loan Brokerage Agreement and Broker Disclosure Statement borrowmoney.com Inc., a corporation, is a fintech online exchange lead management service and not a lender.
Borrowmoney.com provides mortgage information at no cost to you.
Borrowmoney.com will not charge or seek fees of any kind from you.
Borrowmoney.com will pass along your inquiry to our lending partners and our lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders, partners or investors in the market and cannot guarantee the lowest price or best terms available in the market.
Borrowmoney.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lenders or lending partners. This agreement remains in effect only as long as you seek to use the services offered byBorrowmoney.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.
A participating Lender or partner may provide you with a Borrower Information Document pursuant to the Residential Mortgage License Act of 1987. You may also receive a list of documents and materials required to complete your loan application with the Lenders or lending partners.
Maine law requires that the disclosures below be provided to consumers before any contact is signed with, and before any money is paid to, a credit services organization or third parties. Please print out this information and save if for your records. I acknowledge reading and receiving a copy of this Disclosure to Consumer.
Borrowmoney.com will not accept, request, or require any fees from our consumers.
Borrowmoney.com will not seek or accept fees from consumers submitting an inquiry. If your inquiry is forwarded to our participating Lenders or lending partners, you may be issued a Financing Agreement by Lenders or lending partners
IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.
If you choose to transact with Lenders or lending partners, you may be required by the Lenders or lending partners to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lenders or lending partners determines the fee amount. Your loan documents will disclose whether these fees are refundable or nonrefundable.
Variable Interest Rate Disclosure
Pennsylvania’s Loan Interest and Protection Law applies to loans of $50,000 or less. This law requires Lenders or lending partners offering a mortgage with a variable interest rate to also offer a mortgage with an interest rate that will not change. This fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lenders or lending partners will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.
Borrowmoney.com. will act in a brokerage capacity and will not act as your lender or credit provider. Borrowmoney.com will pass along your inquiry to our lenders or lending partners and our lenders or lending partners will contact you with their loan product offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders, partners or investors in the market and cannot guarantee the lowest price or best terms available in the market.
In general. We may use information that we collect about you to:
- deliver the products and services that you have requested;
- manage your customer relationship and provide you with customer support;
- perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
- communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other BorrowMoney.com, Inc. companies or other third parties;
- develop and display content and advertising tailored to your interests on our websites and other websites;
- verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
- enforce our terms and conditions;
- manage our business and
- perform functions as otherwise described to you at the time of collection.
may use financial information to match you with lenders or to provide lenders' conditional loan offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business, and, if you request a loan through BorrowMoney Loans, to determine your eligibility for a loan and to charge you for any lock or processing fees if any.
We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites or while using our services.
We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share all types of personal information with:
Authorized Service Providers.
We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your request for a loan or the funding, sale and/or servicing of your loan. These service providers may include credit bureaus, title companies, flood or other insurance providers, appraisal companies, escrow companies, closing agents, other financial institutions, marketing and customer services firms, credit card, loan and other payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through our websites, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose.
When you express interest in products, services or promotions offered through our websites or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes, and, as applicable, their affiliates and third-party finder or marketing companies. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address and other information to those businesses.
Other Lenders, partners or Investors.
If you submit a completed BorrowMoney Loan Request Form ("LRF"), we may share your personal information with lenders on the BorrowMoney network with whom you are or may be matched, or if you are matched with BorrowMoney Loans, third party investors to whom we intend to transfer your loan after closing. If you finish the second page of the BorrowMoney LRF (by hitting the "Accept and Continue" button on page 2) but leave portions of the LRF incomplete, we may share your personal information with lenders on the BorrowMoney network or with BorrowMoney Loans, who may help you complete your loan request or possibly extend conditional loan offers to you. However, no credit check will be performed by BorrowMoney unless you authorize us to do so by submitting a completed LRF. The lenders with whom you are matched (i.e., the lenders with whom BorrowMoney shares your information) will be disclosed to you, and BorrowMoney will not share information with other lenders not disclosed to you. Because the lenders on the BorrowMoney network with whom you are matched may retain or use your personal information whether or not you qualify for, or obtain, a loan from them, you should contact these lenders directly concerning their privacy and information sharing practices.
Other BorrowMoney.com, Inc. Businesses.
Special Notice to California Residents.
will not share any personal information about you with other BorrowMoney.com, Inc. companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.
Special Notice to Vermont Residents.
BorrowMoney will not share any personal information about you with other BorrowMoney.com, Inc. companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.
We also may disclose your information:In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; to comply with applicable law or cooperate with law enforcement; or to enforce our websites' terms and conditions or other agreements or policies.In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.
Aggregated and Non-Personal Information.
We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties and BorrowMoney.com, Inc. companies to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our websites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising.
Third Party Websites.
If you have submitted a LRF to us, you can update your personal information by contacting our Customer Care Department for assistance. More information about how to contact us is provided below.
YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION
You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our websites because such information may be required in order for you to obtain products or services from us.
Federal and state regulations require that we store completed loan LRFs for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our database until the expiration of the applicable period.
When you initially use our websites, you will be given a choice as to whether you want to receive e-mail messages or newsletters from us. You may later modify your choice by contacting our Customer Care Department at TOLL FREE (1800) OKBM914 OR (212)-265-2525. You also will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 10 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as conditional loan offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.
Under our Do Not Call policy you may instruct us not to call you for marketing purposes by calling our Customer Care Department at (212)-265-2525. We will implement your instructions within 30 days. We have policies and procedures in place and train our employees to honor your request. Please note that we may still need to call you for servicing or other non-marketing purposes.
If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting our Customer Care Department at (212)-265-2525.
OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES.
- the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year
- the names and addresses of the third parties that received that information; and
- if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.
in accordance with Maryland Commercial Law Code §§ 12-125, 1013. The Financing Agreement must contain:
(1) the term and principal amount of the loan;
(2) an explanation of the type of mortgage loan being offered;
(3) the rate of interest that will apply to the loan, and, if the rate is subject to change or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts;
(4) the points, if any, to be paid by the borrower or the seller; and
(5) the term in which the Financing Agreement remains in effect.
We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is privacy@BorrowMoney.com.
Borrowmmoney.com Is a fintech emerging growth fully reporting public company, known as Borrowmoney.com, inc.. CIK#: 0001656501 (see all company filings)
HOW TO CONTACT US
512 BAY SHORE DRIVE FORT LAUDERDALE FL, 33304