Terms of Use

You are currently viewing a page of www.localmortgage.com; (the “Site”) belonging to Local Mortgage Inc. ("Local") or one of its subsidiaries. This Site and any of the services provided by Local in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms of Use, which govern your use of the Site. Please read these Terms of Use carefully. By accessing this Site, you agree to be bound by these Terms of Use. The Site is intended for individuals located in the United States of America who are at least 13 years old. If you are under the age of 13 years old, you should not be visiting or using this Site.

The Services under these Terms of Use include financial services for consumers and businesses and business services offered to you directly by Local, and additional services available to you from independent third-party service providers accessed through navigation from the Site.

Copyrights/Trademarks/Restrictions on Use

All of the pages and screens on the Site are owned and controlled by Local, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyright materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the other content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without Local’s prior written consent. The Local logo is a trademark owned by Local Mortgage Inc. Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by Local Mortgage or other third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks or service marks found on the Site except as authorized in this paragraph. You may not use any of the Local trademarks as a link to the Site except pursuant to a written trademark license agreement.

The Site may contain links to websites controlled or offered by third parties (non-affiliates of Local). Local expressly disclaims liability for the content, products, privacy policies or security of the information, products or services on any such party’s website. If you use or rely upon the information or services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of Local. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Registration Information

You may be invited to register at the Site to help us tailor the Services for your personal and business financial needs and to alert you to other products and services for you and/or your business. In registering for the Services, you agree to provide accurate, true, current and complete information about you and/or your business as requested by the registration screens. As a convenience to you, a profile for you and/or your business may be created based on the registration information that you provide. This profile and any registration information you provide will be protected as described in our Privacy Policy.

Disclaimer

THE INFORMATION CONTAINED HEREIN OR ACCESSED THROUGH THIS WEB SERVER IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

References to Local, its affiliates and subsidiaries, and their services and products are provided “as is” without warranty of any kind, either expressed or implied. In no event shall Local be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data, or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.

General

Local reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.

Local reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time. These Terms of Use constitute an agreement between you and Local governed by the laws of Tennessee, with the exception of its conflicts of laws provisions.

Privacy

We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see Local's Privacy Policy which may be downloaded here.

Indemnification

By using this site you agree to defend, indemnify and hold harmless Local, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.

SMS Text Messaging

By opting to receive SMS messages, you agree to the following:

1. Consent for SMS Communications

Phone numbers obtained during the SMS consent process will not be shared with third parties for marketing purposes. This is to ensure that your information is used solely for communications purposes related to our services.

2. Types of SMS Communications

By opting in, you may receive SMS messages related to Customer Care.

3. Message Frequency

Message frequency may vary depending on the types of communication. For example, you may receive up 5 text messages per day related to your mortgage loan progress, including updates and reminders.

4. Potential Fees for SMS Messaging

Standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may differ for domestic or international messages.

5. Opt-In Methods

You may opt-in to receive SMS messages from Local Mortgage as part of the application process. You may also opt-in to receive SMS messages via verbal authorization.

6. Opt-Out Instructions

You can opt-out at any time by replying “STOP” to any SMS message. Alternatively, you may contact us directly at info@localmortgage.com

7. Help

If you experiencing any issues, please reply with the keyword “HELP” or contact us directly at info@localmortgage.com or by calling 901-544-4663.

8. Additional Options

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on your loan application.

9. Standard Messaging Disclosures

Message and data rates may apply
You can opt-out at anytime by texting “STOP”
For assistance, text “HELP” or visit our Privacy Policy
Message frequency may vary depending on service