Privacy Policy and Terms of Use
We’re transparent about the way we do business, because that’s what you deserve.
Privacy Policy and Disclaimers
Protection of the Privacy of Personal Non-Public Information
Respecting and protecting customer privacy is vital to Supreme Lending’s 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.
Consumer Rights
Loan product availability is subject to loan amount and qualification of borrower. Not every applicant qualifies or is eligible for every loan program. Some products may not be available in all states. Loan approval and rate are dependent on borrower credit, collateral and financial history. All loan programs, terms and rates are subject to change without notice.
Information Collected
part of providing you with financial products or services, we may obtain information about you from the following sources:
Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references.
Your transaction with us, our affiliates, or others. This information may include your account balances, payment history, and account usage.
Consumer reporting agencies. This information may include account information and information about your credit worthiness.
Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Shared Information
We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third-parties without your consent, as permitted by law, such as:
To regulatory authorities and law enforcement officials.
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
To report account activity to credit bureaus.
To consumer reporting agencies.
To respond to a subpoena or court order, judicial process or regulatory authorities.
In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.
We may also provide information about you to our service providers to help us perform marketing services. This information provided to these service providers may include the categories of information described under “Information Collected” limited to only that which we deem appropriate for these service providers to carryout their functions.
We do not provide non-public information about you to any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.
Website Disclaimer
The information contained on this Internet web site is provided as a service to the Internet community, and does not constitute legal or financial advice. Supreme Lending makes every effort to provide quality information, but we make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the information, text, or other items contained in or linked to this web site and its associated sites. The information derived from this web site must be tailored to the specific circumstances of each case. In general, rules, regulations, loan programs, company policies, and interest rates are constantly changing, and nothing provided herein should be used as a substitute for the advice of competent counsel and/or financial advisor.
Supreme and its associates assume no responsibility for any errors or omissions in the materials contained on this web site. These materials are provided “as is” without warranty of any kind, either express or implied. Supreme and its associates shall not be liable for any special, indirect, incidental, or consequential damages, including without limitation, lost revenues or lost profits, which may result from the use of these materials. The information on this web site is subject to change without notice and does not represent a commitment on the part of Supreme or its associates in the future.
FOR CALIFORNIA RESIDENTS: California Consumer Privacy Act Policy and Disclosure Notice
Your privacy is important to us. This California Consumer Privacy Act Policy and Disclosure Notice (“Disclosure Notice”) explains how Everett Financial, Inc. dba Supreme Lending (“Supreme Lending” or the “Company”) collects, uses, and discloses personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This Disclosure Notice is provided pursuant to the CCPA and supplements the information contained in Supreme Lending’s General Privacy Notice.
The purpose of this Disclosure Notice is to inform California residents, at or before the time we collect your personal information, you have the right to know how we use or disclose your personal information. Under the CCPA, ‘Personal Information’ is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident. This Disclosure Notice does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to Supreme Lending’s General Privacy Notice. In addition, Personal Information does not include:
Publicly available information from government records;
Deidentified or aggregated consumer information.
Information excluded from the CCPA’s scope, like:
health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA);
personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver’s Privacy Protection Act of 1994.
Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.
Collection and Disclosure of Personal Information
In the past 12 months, we have collected, and disclosed to third parties for our business purposes, the following categories of Personal Information relating to California residents covered by this disclosure:
Identifiers, such as name, postal address, email address, account name and government-issued identifier (e.g., Social Security number, passport number, driver’s license number);
Personal information, as defined in the California Customer Records statute, such as contact information, education, employment, insurance policy number, credit or debit card number and any other financial information;
Characteristics of protected classifications under California or federal law, such as age, race, citizenship, medical condition, military status, sex and marital status;
Commercial information, such as records of personal property, transaction information and purchase history;
Internet or network activity information, such as browsing history and interactions with our website;
Biometric information, such as fingerprints and voice information;
Geolocation data, such as device location and Internet Protocol (IP) location;
Audio, electronic, visual and similar information, such as call and video recordings;
Professional or employment-related information, such as work history and prior employer;
Education information, such as student records and directory information; and
Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.
The categories of sources from whom we collected this Personal Information are:
Directly from a California resident or the individual’s representatives
Service Providers, consumer credit reporting agencies, consumer data resellers and other third parties
Public Record Sources (Federal, State or Local Government Sources)
Information from our Affiliates
Website/Mobile App Activity/Social Media
Information from Client Directed Third Parties or Institutions representing a Client/Prospect
Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member)
The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:
Affiliates and Subsidiaries of Supreme Lending
Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities
Partners and Third Parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who promote the Company and its financial services and products to customers and other prospective buyers
Other Third Parties who enable customers to conduct transactions online and via mobile devices, support mortgage and fulfillment services, vehicle loan processes and aggregators (at the direction of the customer)
Government Agencies as required by laws and regulations
Use of Personal Information
In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:
Performing services, including maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, providing financing, or providing similar services.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity.
Short-term, transient use where the information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
Debugging to identify and repair errors that impair existing intended functionality.
Undertaking internal research for technological development and demonstration.
Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions)
Sale of Personal Information
In the past 12 months, we have not “sold” Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.
Rights under the CCPA
If you are a California resident, you have the right to:
a. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
the categories of Personal Information about you that we collected;
the categories of sources from which the Personal Information was collected;
the purpose for collecting Personal Information about you;
the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that was disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and
the specific pieces of Personal Information we collected about you;
b. Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception; and
c. Be free from unlawful discrimination for exercising your rights under the CCPA.
We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.
If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.
In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as retaining personal information that we need to originate or service your loan, or to comply with other state or federal law, where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.
We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.
We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages
How to Exercise Your Rights
If you are a California resident, you may submit a request by:
a. Completing an online Personal Information Request
For the best user experience, please use a browser other than Internet Explorer (MS-Edge, Chrome, Firefox, etc.).
b. Calling 866.213.4424
Questions or Concerns
You may contact us with questions or concerns about this Disclosure Notice and our practices by:
a. Writing us at:
Everett Financial, Inc. dba Supreme Lending
ATTN: Privacy Office
14801 Quorum Drive
Suite 300
Dallas, Texas 75254
b. Calling 866.213.4424
Changes to This California Consumer Privacy Act Policy and Disclosure Notice
We may change or update this Disclosure Notice from time to time. When we do, we will post the revised Disclosure Notice on this page with a new “Last Updated” date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
If you do not agree to these terms of use, you may not use this website.
YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, REFERRED TO AS “TERMS OF USE”. CLICKING ONTO WEB PAGES BEYOND THE WEBSITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY EMAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.
WEBSITE OWNERSHIP AND PERMITTED USE
This Website is owned and operated by EVERETT FINANCIAL, INC. DBA SUPREME LENDING, 14801 Quorum Drive, Suite 300, Dallas, Texas 75254, which is referred to below as `Supreme` or `we` or `us` or `Company` or `our`.
You agree that (a) your use of this Website is subject to and governed by these Terms of Use, (b) you will only access or use this Website and transact business with us if you are at least 18 years old, (c) 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, (d) each use of this Website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and (e) these Terms of Use are a legally binding agreement between you and Supreme 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 Supreme as a bona fide client of Supreme; 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 Supreme 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 Supreme as a bona fide client of Supreme.
Supreme 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 Supreme or broker relationship with Supreme without the express written permission of Supreme. 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.
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. The Terms of Use may not be altered except with the express written permission of one of the Managing Partners of Supreme.
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 Supreme 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 Supreme.
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.
You acknowledge and agree that all comments, suggestions, graphics and ideas you may submit to Supreme 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 disclaim any proprietary rights in such submissions, and you acknowledge Supreme’s unrestricted right to use, publish and exploit them, or materials or ideas similar to them, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.
LINKING
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, Supreme 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 Supreme 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. Supreme does not permit third-party advertising on this Website. Except with the written permission of Supreme, 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.
REVISIONS
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 you access 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.
LOCATION
You understand and acknowledge that Supreme 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 Supreme 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
See Security and Privacy Policy Webpage: For information on how Supreme uses and protects the personal information you may provide through this Website, please click on this link to our security and privacy policy or click on the “Privacy Policy” link at the bottom of the pages of this Web site.
Internet is An Open Network: While certain designated parts of the Supreme Web site employs technologies to secure your data and the transmissions between you and Supreme and our employees, the Internet is an open system and we cannot provide absolute assurances that transmissions cannot be intercepted/decrypted by others.
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 Supreme and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of Supreme and its affiliates, vendors and licensors, 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 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. SUPREME 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. SUPREME 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. SUPREME 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 SUPREME 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, SUPREME 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. SUPREME 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 SUPREME, 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 SUPREME 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 SUPREME 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 SUPREME’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 Supreme 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 Supreme.
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.
ADDITIONAL TERMS
You acknowledge that certain features of this Website, as well other products and services of Supreme, 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.
Permission to Be Contacted: By submitting information to Supreme through this Website or otherwise you are making an inquiry as to lending programs and services offered by Supreme and give Supreme 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 Supreme may rely.
Your Cooperation Needed: Supreme 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 Supreme may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Supreme of any changes in any information submitted in connection with your application.
Reasonable Efforts: While Supreme 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, Supreme 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 Supreme’s reasonable control.
Deposit / Refund Policy: When you submit a loan application, Supreme 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 Supreme’s third party costs. Please review your deposit agreement for details specific to your loan application.
GOVERNING LAW
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, 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 of Use or the use of this Website shall be filed only in the state or federal courts located in Dallas, Texas, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
SEVERABILITY
You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.