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Terms and Agreements
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Your Consent To Do Business Electronically (the eDisclosure Agreement)

The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s), or mortgage banker(s) with whom You are transacting business for such loan(s).

YOUR CONSENT

  • Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by checking the "I agree to consent..." checkbox at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
  • If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
  • Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
  • If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:
    You will not be required to pay a fee for receiving paper copies of the Loan Documents.

WITHDRAWAL OF CONSENT

  • You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.
  • If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by notifying Us via telephone or mail.
  • If You originally consent to receive eDisclosures, but later withdraw Your consent:
    You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.

OBTAINING PAPER COPIES

  • After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us via telephone or mail.
  • If You request paper copies of the Loan Documents:
    You will not be required to pay a fee for receiving paper copies of the Loan Documents.

SYSTEM REQUIREMENTS

  • In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption, and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
  • If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.

HOW WE CAN REACH YOU

  • You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us via telephone or mail.
  • We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

BORROWER'S CERTIFICATION AND AUTHORIZATION
CERTIFICATION

The undersigned certify the following:
1.I/We have applied for a mortgage loan or currently have a loan with LOANPRO LLC (“Lender”). I/we completed a loan or modification application (“Application”) containing information (as applicable) on the purpose of the loan, the amount and source of the down-payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the Application or other documents, nor did I/we omit any pertinent information.2.I/We understand and agree that Lender reserves the right to change the mortgage loan or modification review process. This may include verifying the information provided on the Application.3.I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section1014.
AUTHORIZATION TO RELEASE INFORMATION
To Whom It May Concern:
1.I/We have submitted an Application to Lender. As part of the application process, Lender and the mortgage guaranty insurer (if any), may verify information contained in my Application and in other documents required in connection with the loan or modification, either before the loan is closed, a modification is granted, or as part of its quality control program.
2.I/We authorize you to provide to Lender and to any investor to whom you may sell my mortgage, and to the mortgage guaranty insurer (if any), any and all information and documentation that they request for a period not in excess of three months from the date of my/our execution of this Authorization to Release Information. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns.
3.I/We further authorize Lender to order a consumer credit report and verify other credit information.
4.Lender or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address this authorization to any party named in the loan application. A copy of this authorization may be accepted as an original.
5.Your prompt reply to Lender, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any) is appreciated.

Privacy Policy

Last Updated: August 15, 2024

This Privacy Policy explains our policies and practices regarding the collection, use, and disclosure of your personal information when you use our Service. It also describes your privacy rights and how the law protects you. By using the Service, you agree to the collection and use of information as described in this Privacy Policy.

We use your personal data to provide and improve the Service. Your privacy and trust are paramount to us.

Interpretation and Definitions

Interpretation

Words with initial capital letters have specific meanings defined in this section. The same definitions apply whether the terms appear in singular or plural.

Definitions

For the purposes of this Privacy Policy:

  • Account: A unique account created for you to access our Service or parts of it.
  • Affiliate: An entity that controls, is controlled by, or is under common control with a party, where “control” means at least 50% ownership of voting shares or other managing authority.
  • Business (for CCPA/CPRA): Refers to the Company as the legal entity that collects and determines the purposes and means of processing Consumers’ personal information, operating in the State of California.
  • CCPA/CPRA: The California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).
  • Company (also “We”, “Us”, or “Our”): Loanpro LLC, 858 Production Place, Newport Beach, CA 92663.
  • Consumer (for CCPA/CPRA): A natural person who is a California resident, as defined by the relevant laws.
  • Cookies: Small files placed on your device by a website to track and store information about your browsing activity.
  • Country: California, United States.
  • Device: Any device capable of accessing the Service, such as a computer, smartphone, or tablet.
  • Do Not Track (DNT): A concept for allowing internet users to control tracking of their online activities across websites.
  • Personal Data: Any information that relates to an identified or identifiable individual. Under the CCPA/CPRA, this includes information linked or reasonably linkable to you.
  • Service: The Company’s website and any related services.
  • Service Provider: Any natural or legal person who processes data on behalf of the Company, assisting with Service-related activities.
  • Third-Party Social Media Service: Any social network or platform allowing users to log in or create an account to use the Service.
  • Usage Data: Data collected automatically from use of the Service (e.g., IP address, browser type, time spent on pages).
  • Website: The Loanpro website at www.loanpro.com.
  • You: The individual accessing or using the Service, or the legal entity on whose behalf the individual uses the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data:
While using our Service, we may ask you for personal information that can be used to contact or identify you, including but not limited to:

  • Email address
  • First and last name
  • Phone number
  • Address (including State, Province, ZIP/Postal code, City)

If you provide your phone number, you agree that we may use it for marketing, analytics, and to enhance your experience. By providing your phone number, you also give express written consent for us to contact you via automated calls, SMS/MMS (standard rates may apply), and pre-recorded messages, even if you are on a Do Not Call registry. This consent is not a condition of using Loanpro’s services. You can opt out at any time by replying “STOP” or by contacting us at (949) 752-9777.

Usage Data:
Usage Data is collected automatically, such as your IP address, browser type and version, pages visited, time and date of your visit, time spent on those pages, and unique device identifiers. On mobile devices, we may also collect device type, unique device ID, IP address, operating system, browser type, and diagnostic data.

Information from Third-Party Social Media Services:
You may create an account or log in via platforms like Google, Facebook, Instagram, Twitter, or LinkedIn. If you choose to do so, we may have access to personal data associated with those accounts, such as name, email, activities, and contact lists, used in accordance with this Privacy Policy.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to monitor activity on our Service and improve performance. Types of Cookies may include:

  • Necessary/Essential Cookies: Required for basic functionality and security.
  • Cookies Policy/Notice Acceptance Cookies: Record whether you’ve accepted our cookie policy.
  • Functionality Cookies: Remember your preferences for a more personalized experience.
  • Tracking and Performance Cookies: Track website usage and performance metrics.
  • Targeting and Advertising Cookies: Deliver advertising relevant to your interests.

You can adjust your browser settings to refuse Cookies. However, some functionalities may not be available without them.

Use of Your Personal Data

We may use your Personal Data to:

  • Provide, maintain, and improve the Service.
  • Manage your Account and provide access to certain functionalities.
  • Fulfill contracts for products or services you’ve purchased.
  • Contact you by email, phone, SMS, or other electronic means for updates, promotions, or information.
  • Provide you with news, special offers, and general information about similar services.
  • Manage and respond to your requests.
  • Deliver targeted advertising to you.
  • Conduct business transfers such as mergers or acquisitions.
  • Perform data analysis and improve our offerings.

We may share your Personal Data:

  • With Service Providers to assist in analyzing and improving our Service.
  • In connection with business transfers (mergers, acquisitions, etc.).
  • With Affiliates and business partners under similar privacy obligations.
  • With other users if you make your information publicly available on our Service.
  • With your consent, for any other purpose.

Retention of Your Personal Data

We retain your Personal Data only as long as necessary to fulfill the purposes in this Privacy Policy and to comply with legal obligations. Usage Data is generally retained for shorter periods unless needed for security, functionality improvements, or required by law.

Transfer of Your Personal Data

Your information may be processed at our offices or where involved parties operate. By submitting your data, you consent to such transfers, provided adequate security measures are in place.

Deletion of Your Personal Data

You have the right to request deletion of your Personal Data. You can update or delete your information by contacting us or adjusting your Account settings. We may retain certain information to meet legal obligations or for legitimate business purposes.

Disclosure of Your Personal Data

We may disclose Personal Data to comply with legal obligations, protect our rights and property, or ensure user and public safety.

Security of Your Personal Data

We use commercially acceptable measures to protect your Personal Data, but no method of online transmission or storage is entirely secure. We cannot guarantee absolute security.

Analytics and Advertising

We may use third-party services like Google Analytics to understand and improve our Service. For advertising, we may use Google AdSense, DoubleClick, and other partners to show you relevant ads. You can opt out of personalized advertising through various industry opt-out mechanisms.

Behavioral Remarketing

We partner with third-party vendors (e.g., Google, Facebook) for remarketing to show ads after you’ve visited our Service. You may opt out of interest-based advertising via browser settings, industry opt-out pages, or mobile device settings.

CCPA/CPRA Privacy Notice (California Residents)

California residents have specific rights under the CCPA/CPRA, including the right to know what we collect, how we use it, and with whom we share it; the right to request deletion; and the right to opt out of the sale or sharing of their information. We do not discriminate against individuals exercising these rights.

“Do Not Track” Policy

Our Service does not currently respond to DNT signals. You can configure your browser to send DNT signals, but we cannot guarantee recognition of these signals.

Children’s Privacy

Our Service is not directed at children under 13. We do not knowingly collect Personal Data from children under 13. If you believe we have, please contact us so we can remove it.

Links to Other Websites

Our Service may link to third-party sites not operated by us. We are not responsible for their privacy practices. Review their privacy policies before providing your data.

Changes to This Privacy Policy

We may update this Privacy Policy occasionally. We will notify you by updating the “Last Updated” date and posting the revised policy on this page. Your continued use of the Service after changes are posted indicates acceptance.

Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: [email protected]

Justin Purpero

NMLS: 373589
Phone / SMS: (714) 504-9730

Justin Purpero

NMLS: 373589
Phone / SMS: (714) 504-9730