Terms of Use
By accessing or using our website (“Website”), you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Website. We will refer to ourselves as “Our Company” in the document.
1. Use of Website
By using this Website, you represent that you are at least 18 years old and legally capable of entering into binding contracts. You agree to use the Website only for lawful purposes and in accordance with these Terms.
2. No Guarantee of Loan Approval
Submitting information through our Website does not guarantee loan approval or a commitment to lend. Loan approval is subject to verification of information, creditworthiness, and other conditions. All loans are subject to underwriting approval.
3. Changes to Rates, Terms, and Products
Rates, terms, and loan products presented on our Website are subject to change without notice. The information provided is for informational purposes only and does not constitute a loan offer or commitment. Final loan terms will be provided upon formal application and approval.
4. Equal Housing Opportunity
We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income comes from any public assistance program.
5. Privacy Policy
Your use of our Website is also governed by our Privacy Policy which explains how we collect, use, and protect your personal information. By using this Website, you consent to the practices described in our Privacy Policy.
6. Intellectual Property
All content on this Website, including text, graphics, logos, and images, is the property of our company and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.
7. Limitation of Liability
To the fullest extent permitted by law, Our Company is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the Website. We do not guarantee that the Website will be error-free, uninterrupted, or free from viruses or other harmful components.
8. Third-Party Links
Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing these links is at your own risk.
9. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website constitutes your acceptance of the modified Terms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws., without regard to its conflict of law principles.
11. Contact Information
If you have any questions about these Terms, please contact us at:
zach@zenlolending.com
12. SMS Communications
By providing your phone number and consenting to receive text messages from Our Company, you agree to the following terms:
Types of Messages: By opting in, you may receive SMS messages from us including, but not limited to: loan application status updates and alerts, appointment and document reminders, rate and product notifications, promotional offers and special announcements, and general account or service-related communications.
How to Opt Out: To stop receiving messages at any time, reply STOP to any text message you receive from us. You may also contact us directly at zach@zenlolending.com to be removed from our messaging list. After opting out, you may receive a single confirmation message acknowledging your request.
Message and Data Rates: Message and data rates may apply. Check with your carrier for details regarding any fees associated with sending or receiving SMS messages.
Carrier Liability: Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your network operator.
Help: For assistance, reply HELP to any message or contact us at zach@zenlolending.com.
By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.
