PRIVACY AND SECURITY
Stearns’ Site may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a website can send to your browser, which may then store the cookie on your hard drive. Stearns may use stored cookies for certain aspects of the Site. The goal of this technology is to better serve you when visiting our Site, save you time when you are here and to provide you with a more productive experience. You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you may not be able to access certain elements of the Site. So, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of Internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to browser providers for more specific information, including how to use these tools.
- You will only access or use this website and transact business with Stearns if you are at least 18 years old,
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage related business with Stearns as a bona fide client of Stearns; you may not use or attempt to use this website or any part of this site for any purpose:
- that interferes with or induces a breach of the contractual relationships between Stearns and its employees,
- that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
- that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email or commercial communications,
- that transmits any harmful or disabling computer codes or viruses,
- that harvests email addresses from this site,
- that transmits unsolicited email to this site or to anyone whose email address included the domain name under on this website,
- that interferes with Stearns' network services;
- that attempts to gain unauthorized access to our network services,
- that suggests an express or implied affiliation with Stearns or a broker relationship with Stearns (without the express written permission of Stearns),
- that impairs or limits Stearns' ability to operate the Site or any other person's ability to access and use the Site, and/or
- that uses any methods, means or devices to click on to the Site or for the purpose of manipulating the results of any Internet search engine, or for any purpose other than conducting mortgage related business with Stearns
- that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
- 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;
- that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
- 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;
- that dilutes or depreciates the name and reputation of Stearns or any of its affiliates;
- 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
- that unlawfully transmits or uploads any confidential, proprietary or trade secret information.
Personal and Noncommercial Use Limitation
You may access, download and print materials on this Site solely for your personal and non-commercial use.
No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to Stearns, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.
You are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by Stearns, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Stearns, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate police agencies.
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by Stearns. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of Stearns. All rights reserved. Stearns is a federally registered U.S. trademark, along with other trademarked names and logos on this Site ("Marks"). You agree not to display or use, in any manner, the Marks without the prior written permission of Stearns.
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 Stearns, 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 Stearns' Site or controls the content of any other Internet browser window.
Stearns is committed to protecting copyrights and users of the Site must also protect Stearns' copyrights. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on the Site infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on the Site infringes a copyright, or any valid intellectual property right, please provide the following information to Stearns.
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 copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Site are intended to be covered by a single notification, a complete list of such works and details or descriptions as to their locations within the Site;
Identification of the material that is claimed to be infringing 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 sufficient to 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 Stearns:
Stearns Lending, LLC
4 Hutton Centre Drive, 10th Floor
Santa Ana, CA 92707
Attn: Chief Legal Officer
By Email: LegalDepartment@stearns.com
Due to technology concerns, 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.
Links To Third Party Sites
During your use of the Site or at any time in the process, you may be led to other websites operated by unaffiliated parties. Inclusion of hyperlinks by Stearns to third party websites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. Stearns is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. Stearns is not responsible for the use of the information that you give any third parties.
You use this Site at your own risk. If your use of this Site or the materials therein, and it results in costs accrued, damages to you, your computer, your property, requires maintenance, requires software downloads, the need for servicing or replacing property, equipment or data, Stearns will not be responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. STEARNS, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. YOU AGREE THAT IN NO EVENT SHALL STEARNS, ITS AFFILIATES, THIRD PARTY PROVIDERS, AND/OR ITS SUPPLIERS BE 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 SITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS SITE, 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 SITE. YOU AGREE THAT STEARNS SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL STEARNS’ 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 SITE OF WEB PAGE CONTENT THEREON.
AS TO THE OPERATION OF THIS SITE, STEARNS 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. STEARNS MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS SITE WILL MEET YOUR OR ANY OTHER USER'S REQUIREMENTS; (B) ACCESS TO THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS SITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT STEARNS, 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 SITE.
STEARNS MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING TECHNOLOGICAL SUPPORT OR SERVICES PROVIDED BY THIRD PARTIES (i.e., SOFTWARE, HARDWARE, CONNECTIVITY, ETC.); ALL SUCH THIRD PARTY SERVICES ARE PROVIDED ON AN AS-IS BASIS, WITHOUT WARRANTY OF ANY KIND, AND SUBJECT TO THE LIMITATIONS HEREIN.
You agree to indemnify, defend and hold harmless Stearns, its affiliates and suppliers from any liability, loss, claim and expense (including attorney's reasonable fees) related to your violation of this Agreement.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this Site, chat or via email, do not use the Site, 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 Site, PC or via email, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by Stearns in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as be specifically provided for in writing signed by Stearns.
Credit Reports: By applying for credit, you are authorizing Stearns to 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: Your assent to a "click to accept" button or box is binding upon you. However, general communications through this Site, 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 employed. Stearns may use third party providers in order to facilitate e-signatures, and consents for same will be provided.
Recording & Monitoring of Communications: Your communications with Stearns via the Site, chat, email, mobile app, and telephone (calls and/or texts) may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
CHANGES TO AGREEMENT
Stearns may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
ACCESS TO THIS SITE
Stearns reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Site.
CONTACT METHODS AND OPT-OUT