Legal
Information

License Information
Disclosure, Legal, and License Information

Loan Garden is an Equal Housing Opportunity Broker. 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 Commission, Equal Credit Opportunity, Washington, DC, 20580.

Loan Garden State Disclosure Requirements
Loan Garden, LLC is a licensed mortgage broker. *The following states require disclosure of licensing information.* (If your state is not listed, it doesn’t require a specific license disclosure):

EQUAL OPPORTUNITY EMPLOYER

The Company is an equal opportunity employer. Any complaints or concerns about the Company’s employment practices may be directed to Scott Beal at (303) 647-3429

Texas Figure: 7 TAC §80.200(b)

Communication Policy

Loan Garden, LLC referred to as (the Company) is dedicated to delivering an amazing experience to all of our clients. A big part of that experience is based upon prompt and convenient communication with our clients, vendors and others. Forthat reason, we offer various means of communication including Email, fax, telephone, Facebook messenger, express mail, voicemail, etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding Email, which are incorporated by reference into all Emails sent and received by our Team Members (i.e., our employees). Our communications with you via Email are conditioned upon your agreement to the following terms:

Email In General
Email is an effective means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels, such as through Emails, faxes, voicemails, letters, IM, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an Email, etc. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company 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.

Confidential Information
Emails sent by our Team Members are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as “Confidential” contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney’s fees that the Company may incur as a result of theunauthorized use or disclosure of confidential information due to your acts or omissions.

Emails are generally not formal signed writings: E-Sign Disclaimer
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 formal signed writings from the Company.

Privileged Information
Emails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or
privileged information is strictly prohibited.

Time Sensitive Instructions and Official Matters
Do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Team Member in a timely manner. All Emails are processed through various virus and spam filters which may delay or reject the delivery of an Email altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person via fax or Email. The Company reserves the right to block any Email source it deems inappropriate.

Business Purposes
The Company’s Email facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving Email from our Team Members may not use our Team Member’s Email address or contact information (or any other person’s Email address appearing on or in Company Email) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an Email is not our Company’s consent, nor our Team Member’s consent, for you to use ourTeam Member’s Email address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.

Monitoring of Communications
All Emails sent to or from our Team Members may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, PC-talk, messenger, chat, Email, and telephone. By using such communications methods you are consenting to the recording or monitoring of the same.

Unsecured Transmissions
You should be aware that regular Email is typically sent via the Internet which is an open network. While certain designated areas within our websites employ technologies to secure your data and the transmissions between you and our Company, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won’t be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over Email, and disclaims all liability with regard to Emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, misdelivered, intercepted, decrypted or otherwise misappropriated by others.

Viruses
Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient’s responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Team Members for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE
AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company’s Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.

Prohibited Email Content
All of our Team Members are prohibited from using Email to make or send any type of menacing, defamatory, iscriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in Email. Such communications are against Company policy and outside the scope of our Team Member’s employment. The Company does not accept any liability in respect of such communication, and the Team Member responsible will be personally liable for any damages or other liability arising. Please report any such violations to our Client Relations Team at (248) 496-7978 or [email protected]. The use of the Company’s Email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our Team Members is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company’s Email facilities for purposes of to soliciting our Team Members to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.

ALL RIGHTS RESERVED; STATEMENTS ATTRIBUTABLE TO THE COMPANY
The Company reserves all rights as to the Company’s content in its Email and this Email policy statement. No part of the Company’s Email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company’s Director of Public Relations or by an officer of the Company (i.e., Chairman, CEO, President, or Corporate Counsel).

NEGLIGENT MISSTATEMENT
The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and the Company makes no warranties, express or implied, with respect to such data or information.

IRS CIRCULAR 230 DISCLOSURE
The Company disclaims any U.S. federal tax advice contained in or furnished through Email (including any attachments). Any reliance upon such tax advice cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party any transaction or matter that is addressed, contained in or furnished through Email (including any attachments).

GOVERNING LAW
In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company’s Email, and that any disputes pertaining to this Email shall be governed by and construed in accordance with the laws of the State of Colorado, 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 and Conditions may only be filed only in the state or federal courts located in Colorado.

OPT-OUT
This Email may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from Loan Garden at this Email address please specify your preference by contacting us directly at:[email protected].

Terms of Use

This website is owned and operated by Loan Garden, LLC, 6464 W 14th Place, Suite 100, Lakewood, Colorado 80214 which is referred to below as “Loan Garden” or “we” or “us” or “Company” or “our.”

By use of this website, you agree that:

  • You will only access or use this website and transact business with us if you are at least 18 years old
  • 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
  • Each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use
  • These Terms of Use are a legally binding agreement between you and Loan Garden that 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 Loan Garden as a bona fide client of Loan Garden

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with Loan Garden as a bona fide client of Loan Garden.

You may not use or attempt to use any part of this website for any purposes that:

  • Interferes with or induces a breach of the contractual relationships between Loan Garden and its employees
  • Transmits any harmful or disabling computer codes or viruses
  • Interferes with our network services
  • Is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property
  • Harvests Email addresses from this site
  • Transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website
  • Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications
  • Attempts to gain unauthorized access to our network services
  • 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 Loan Garden as a bona fide client of Loan Garden
  • Impairs or limits our ability to operate this website or any other person’s ability to access and use this website
  • Suggests an express or implied affiliation with Loan Garden (without the express written permission of the Company)
  • Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity
  • 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
  • Transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images
  • 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
  • Dilutes or depreciates the name and reputation of the Company 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
  • Unlawfully transmits or uploads any confidential, proprietary or trade secret information

Access and use of this website
Loan Garden reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and 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

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”) is accurate.

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 Loan Garden containing 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 Loan Garden 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.

Testimonials
You acknowledge and agree that all testimonials submitted to Loan Garden through third party sites such as Google and any social media platform will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to Loan Garden the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Loan Garden may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.

Linking
Loan Garden Is Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, Loan Garden does 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 Loan Garden will 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. Loan Garden does not permit third-party advertising on this website. Except with the written permission of Loan Garden, 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 & 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 youaccess this website. Because these Terms of Use may change, we encourage you to refer back often 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 Loan Garden.

Location
You understand and acknowledge that Loan Garden controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. 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 the United States or (b) in every state within the United States. 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 ID’s 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 Loan Garden immediately 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 use of 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.

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 States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify Loan Garden and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of Loan Garden and its affiliates, vendors andlicensors, 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, Loan Garden disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchant ability, fitness for a particular purpose, title, and non-infringement. Loan Garden makes 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. Loan Garden has no obligation to maintain the currency or accuracy of any web page content on or available through this website. You acknowledge and agree that Loan Garden is 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, Loan Garden expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchant ability and fitness for a particular purpose. Loan Garden 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 Loan Garden, 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 Loan Garden 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 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 oravailable through this website. You agree that Loan Garden 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 Loan Garden’s 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.

Communication With Company
Time Sensitive Instructions: When communicating with us through this website, PC-talk, chat or via Email, do not use the website, PC-talk, 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, PC-talk, chat or 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 Loan Garden in writing. Approvals and qualifications are conditional in accordance with their terms except as be specifically provided for in writing signed by Loan Garden. Credit Reports: By applying for credit, you are authorizing Loan Garden 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: General communications through this website, PC-talk, 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. 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, PC-talk, 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 & Opt-Out: Agreement to calls and information sharing: If you submit to Loan Garden through this website or otherwise you are making an inquiry as to lending programs and services offered by Loan Garden. 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 Loan Garden to share your information, either as provided by you or as corrected by us. You acknowledge that Loan Garden is not a party to any agreement that you may makewith an affiliate, and that the affiliate is solely responsible for its services to you. You understand that requirements for a particular product or service, including a mortgage, are determined by the affiliates and that Loan Garden does 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 Loan Garden 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 of our Brokers, by telephone (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 Brokers 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 a Broker or Partner, you agree to notify the Broker or Partner directly.

To opt out contact us at [email protected].

Application of Additional Terms
You acknowledge that certain features of this website, as well other products and services of Loan Garden, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, 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 Loan Garden may rely.

Your Cooperation Is Needed
Loan Garden 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 submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information Loan Garden may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Loan Garden of any changes in any information submitted in connection with your application.

Governing Law And Dispute Resolution
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Colorado, without giving effect to any principles of conflicts of law. You understand and agree to resolve through final and binding arbitration the following claims, disputes, or controversies arising between you and Loan Garden, LLC: all claims, disputes, or controversies arising from the Telephone Consumer Protection Act of 1991 (“TCPA”), or state law claims similar to the TCPA. You will arbitrate TCPA claims between you and Loan Garden at a location the arbitrator will determine in compliance with Loan Garden’s Governing Law provision. The arbitrator, not the court, will resolve the issue of arbitrability. Any state or federal court having jurisdiction thereof may enter judgment of any award the arbitrator renders. This arbitration contract is made under a transaction in interstate commerce, and the Federal Arbitration Act (“FAA”) will govern its interpretation, application, enforcement, and proceedings. As the Governing Law provision indicates, the laws of the State of Colorado govern the enforceability of this arbitration provision as a contract, but not the scope of this provision. Neither you nor Loan Garden are entitled to join or consolidate claims in arbitration by or against other consumers or to arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial for TCPA-related matters which, based on the above, will be arbitrated. You agree that any other action(s) 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 state or federal courts located in Denver, Colorado, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating.

Deposit / Refund Policy
When you submit a loan application, Loan Garden will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. 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 Loan Garden third party costs. Please review your deposit agreement for details specific to your loan application.

Reasonable Efforts
While Loan Garden will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any)and/or anticipated closing date, some process are not under our control. For instance, Loan Garden cannot be responsible for delays in loan approval or closing due to: the 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 Loan Garden reasonable control.

Last updated 11/22/2022

Privacy Policy

Protection of the Privacy of Personal Non-Public Information

Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.

Sources of collected data:

Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback
Information you provided when applying for a position with us
Information provided by third parties such as lead buy partners, data brokers and credit bureaus
Information collected using web technologies
Information collected through our websites
Information you provided when getting a product or a service from us
Information you provided when signing up for communications from us
Information you provided when entering promotions or sweepstakes offered by Loan Garden

Ways we might use your data:

Marketing (unless you’ve opted out)
Auditing
Fraud detection
Debugging
Providing services
Internal research
Quality control

Reasons we might share your data with third parties:

Business purposes
Auditing
Detecting fraud
Debugging
Providing services
Internal research
Quality control

With your consent, we’ll share your personal data and contact info with third parties for marketing, analytics, and pre-populating your information for a better customer experience.{‘ ‘}

We never sell your data.

You have a right to know what personal data we’ve collected about you, what data we’ve shared, who we’ve shared your data with, and what data we’ve shared for business purposes. If you’d like to review, access, revise or delete personal data we’ve collected about you, please contact us directly at: [email protected]

Your California Privacy Rights

California Civil Code § 1798.83 permits our visitors who are California residents to request certain information regarding your disclosure of personal information to third parties for their direct marketing purposes.