On Target Mortgage, LLC – Terms of Use

Introduction

Welcome to On Target Mortgage, LLC ("Company," "we," or "us"). By accessing or using our website and services, you agree to comply with these Terms of Use. If you do not agree with these terms, please do not use our services.

Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you are of legal age and that any information you provide is accurate and truthful.

Use of Services

You agree to use our services only for lawful purposes and in compliance with all applicable laws. You may not use our services to:

Engage in any fraudulent or illegal activity.
Distribute harmful software, malware, or viruses.
Violate any third-party rights.

Compliance with Lending Laws

We comply with all applicable federal and state lending laws, including the Equal Credit Opportunity Act (ECOA) and Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, or age in any credit transaction.

Accuracy of Information

By submitting any personal or financial information to On Target Mortgage, LLC, you represent and warrant that all information provided is accurate, truthful, and complete. Providing false or misleading information may result in the rejection of your application and could constitute a violation of law.

Communication and Consent

By providing your contact information, including email and phone number, you consent to receiving communications from us, including marketing messages, updates, and notifications regarding your account. You may opt out of marketing communications at any time by following the unsubscribe instructions included in each email or by contacting us directly.

Third-Party Services

We may use third-party services or providers to enhance your experience or to process transactions. Your interactions with these third-party services are subject to their own terms of use and privacy policies. We are not responsible for any issues arising from the use of third-party services.

Intellectual Property

All content on our website, including text, images, logos, and other materials, are the property of On Target Mortgage, LLC, and may not be used without our prior written consent.

No Financial Advice

The information on our website is for general informational purposes only and does not constitute financial advice. You should consult a licensed mortgage professional for advice tailored to your individual circumstances.

Limitation of Liability

To the maximum extent permitted by law, On Target Mortgage, LLC will not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our services, even if we have been advised of the possibility of such damages.

Dispute Resolution

Any dispute arising from the use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. By agreeing to these Terms of Use, you waive your right to a jury trial or to participate in a class action.

Changes to Terms

We may update these Terms of Use from time to time. The latest version will always be posted on our website. Continued use of our services after any changes constitutes your acceptance of the new terms.