WEB SITE OWNERSHIP AND PERMITTED USE
This Website is owned and operated by LTI ENTERPRISES, LLC. D/B/A LTI MORTGAGE, 1801 N Hampton Rd, Suite 415, Desoto, Texas 75115, which is referred to below as `LTI Mortgage` or `we` or `us` or `Company` or `our` or LTI.
You agree that you will not use or attempt to use this Website for any purpose other than conducting mortgage banking related business with LTI Mortgage as a bona fide client of LTI Mortgage; you may not use or attempt to use this Website for any purpose: (1) that interferes with or induces a breach of the contractual relationships between LTI Mortgage and its employees, (2) that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property, (3) that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email, unsolicited commercial communications, (4) that transmits any harmful or disabling computer codes or viruses, (5) that interferes with our network services; (6) that attempts to gain unauthorized access to our network services, (7) that impairs or limits our ability to operate this Website or any other person’s ability to access and use this Website, and/or (8) that uses any methods, means or devices to click on to this Website or cause a visit to this Website for the purpose of manipulating the results of any internet search engine, or for any other purpose other than conducting mortgage banking related business with LTI Mortgage as a bona fide client of LTI Mortgage.
LTI Mortgage 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 that you may not use or attempt to use any part of this Website to represent that you have any (express or implied) affiliation with LTI Mortgage or broker relationship with LTI Mortgage without the express written permission of LTI Mortgage. You may not use this Website to transmit unsolicited email to this site or to anyone whose email address included the domain name under on this Web site.
INTELLECTUAL PROPERTY RIGHTS
You acknowledge and agree that (a) all content, web pages, source code, data, screens and materials on and used in operating this Website are protected by copyright and other intellectual property rights, including, but not limited to, trademarks, service marks, trade names, brand names and logos, that are owned by LTI Mortgage and (b) all rights of any kind in the web pages, source code, functionality, design, layout, screen interfaces and all other aspects of the “look and feel” of this Web site are owned by LTI Mortgage.
You may reproduce content and materials from this Web site only for your own personal, non-commercial use, and provided that you keep intact all copyright, trademark and other proprietary notices on the content and materials. You agree that you will not in any way copy, reproduce, publish, create derivative works from this Website, perform, upload, post, distribute, transfer, transmit, modify, adapt, frame in any web page, alter the appearance of, use on any other Website, or incorporate into any other document or materials any content, data or materials from this Website for any purpose other than your own personal, non-commercial use.
You may not use any 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 other than your own personal, non-commercial use; meaning that you may not, among other prohibited uses, use any content, domain names, email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this Website (a) in or as any meta-tag or hidden text, (b) in or as part of any contextual marketing directory, index, or triggering term; (c) as content or advertising related to any other Website including, but not limited to, comparative/informational Websites; and/or (d) 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. The republication of our loan programs and rates is strictly prohibited. You acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material.
Not Responsible For Links to Other Web sites: For your convenience, this Website may provide links to other Websites on the World Wide Web. Unless expressly stated otherwise on this Web site, LTI Mortgage 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 LTI Mortgage 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. LTI Mortgage does not permit third-party advertising on this Website. Except with the written permission of LTI Mortgage, you agree that you will not create links from any Web site or webpage to this Web site or any webpage within this Web site.
You understand and acknowledge that LTI Mortgage 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 IDs AND PASSWORDS
Certain areas or features of this Web site 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 LTI Mortgage 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.
PRIVACY AND SECURITY
Internet is An Open Network: While certain designated parts of the LTI Mortgage Web site employs technologies to secure your data and the transmissions between you and LTI Mortgage and our employees, the Internet is an open system and we cannot provide absolute assurances that transmissions cannot be intercepted/decrypted by others.
THE CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS AND MATERIALS ON OR AVAILABLE THROUGH THIS WEB SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. LTI MORTGAGE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. LTI MORTGAGE MAKES NO REPRESENTATION OR WARRANTY REGARDING THE CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS OR MATERIALS, OR THE USE OR RESULTS OF USE OF THE CONTENT, SERVICES, CALCULATIONS, PRODUCTS OR MATERIALS, ON OR AVAILABLE THROUGH THIS WEBSITE. THE CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS AND MATERIALS 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. LTI MORTGAGE HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS OR MATERIALS ON OR AVAILABLE THROUGH THIS WEB SITE.
YOU ACKNOWLEDGE AND AGREE THAT LTI MORTGAGE IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEB SITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEB SITE, LTI MORTGAGE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LTI MORTGAGE MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT LTI MORTGAGE, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL LTI MORTGAGE 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 CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS OR MATERIALS 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 CONTENT, SERVICES, CALCULATIONS, INFORMATION, PRODUCTS OR MATERIALS ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT LTI MORTGAGE SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL LTI MORTGAGE’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.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this Website, or via email, do not use the Website, or e-mail 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, 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 LTI Mortgage 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 LTI Mortgage.
E-Signature: General communications through this Website 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, 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.
Permission to Be Contacted: By submitting information to LTI Mortgage through this Website or otherwise you are making an inquiry as to lending programs and services offered by LTI Mortgage and give LTI Mortgage permission to contact you through email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.
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 LTI Mortgage may rely.
Your Cooperation Needed: LTI Mortgage generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you 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 LTI Mortgage may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify LTI Mortgage of any changes in any information submitted in connection with your application.
Reasonable Efforts: While LTI Mortgage 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, LTI Mortgage 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 LTI Mortgage’s reasonable control.
Deposit / Refund Policy: When you submit a loan application, LTI Mortgage 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 LTI Mortgage’s third party costs. Please review your deposit agreement for details specific to your loan application.