Terms and Conditions

Effective Date: July 1, 2020

Notice for California Residents

The California Consumer Privacy Act (CCPA) gives California residents certain rights regarding their personal information. This California Privacy Notice (“Notice”) describes these rights and provides disclosures required by the CCPA regarding how CRESTICO, INC. (“CRESTICO”, “we,” “us,” or “our”) collects, uses and discloses California residents’ personal information.

CCPA Scope and Exemptions
This Notice applies to information of California residents that constitutes “personal information” under the CCPA to the extent CRESTICO handles such personal information in its capacity as a “business” under the CCPA. However, this Notice does not apply to information exempt from or otherwise not subject to the CCPA’s requirements. In certain cases, we may provide a different notice to California residents pursuant to the CCPA, in which case that notice will apply instead of this one.

CCPA Rights: The CCPA grants residents of California the rights described below. These rights are not absolute and are subject to certain exemptions, so in certain cases we may deny your requests regarding these rights as permitted by law.

Right to Know About Personal Information Collected, Disclosed, or Sold: You have the right to request the following from CRESTICO:

• A copy of the personal information we have collected about you in the preceding 12 months.
• The categories of personal information we have collected about you in the preceding 12 months.
• The business or commercial purpose for collecting and/or selling your personal information.
• The categories of sources that we used for collecting your personal information.
• The categories of your personal information that we have sold or shared for business purposes in the preceding 12 months.
• The categories of third parties to whom we sold your personal information or disclosed it for a business purpose in the preceding 12 months.

Right to Request Deletion of Personal Information: You have the right to request the deletion of your personal information collected by us.

Please understand that we cannot provide you any services that depend on personal information that we have deleted at your request.

Right to Non-Discrimination: Exercising your privacy rights under the CRESTICO California Privacy Notice will not lead to any discriminatory treatment from us in violation of the CCPA.

Right to Opt Out: You have a right to opt out from the “sale” of your personal information. We do not sell your personal information in the conventional sense, i.e., for money.

However, we may share your information in two ways that could constitute a statutory “sale” under the CCPA’s broad definition of that term:

• Like many companies, we use services that help deliver interest-based ads to you, such as the services associated with the advertising cookies described in our Privacy Policy. Our use of these services may constitute a “sale” of your personal information for purposes of the CCPA because the advertising partners that provide the services collect information from our users (e.g., the device data and online activity data described above) to help them serve ads more likely to interest them.
• When you direct us to share your personal information with our partners to obtain offers for financial products and services, those partners reserve the right to use and disclose your personal information as described in their privacy policies.

For more information or to opt out of any future sharing of your information for the purposes above by emailing privacy@crestico.com.

Authorized Agent: Your authorized agent may make a request pursuant to the CCPA on your behalf upon our verification of the agent’s identity and our receipt of a copy of valid power of attorney given to your authorized agent pursuant to California Probate Code Sections 4000-4465. If you have not provided your agent with such a power of attorney, you must provide your agent with written and signed permission to exercise your CCPA rights on your behalf, provide the information we request to verify your identity, and provide us with written confirmation that you have given the authorized agent permission to submit the request.

Methods for submitting requests under CCPA

• Click here to Complete Data Subject Request Form

Identity verification

We will need to verify your identity to process your information, access and deletion requests and reserve the right to confirm your California residency. Authentication into your online account with us (if applicable), government identification, declarations under penalty of perjury or other information may be required. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.

Shine the Light

It is our policy not to disclose personal information (as defined in California’s Shine the Light Law, California Civil Code Section 1798.83) provided to us by our customers (as defined in the Shine the Light Law) to third parties for their direct marketing purposes if the customer has exercised an option that prevents that information from being disclosed to third parties for those purposes. Such customers may exercise this option by submitting a CCPA opt-out request here.

Accessibility Statement

CRESTICO, INC. strives to ensure that its digital services are accessible to people with disabilities. CRESTICO, INC. has invested significant resources to help ensure access for all users, including people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Digital accessibility is not just a target we aim to achieve, but an ongoing commitment that we carry in every aspect of our digital service delivery. We recognize that this requires continuous monitoring, improvement, and adaptation. In the sections below, we elaborate on the various efforts that have been undertaken to address our progress in ensuring digital accessibility for all.

A key element of our accessibility initiative is our engagement with a third-party accessibility consulting organization UserWay to help bring the website into conformance. We use industry standard accessibility methods and tools to accomplish this, in accordance with the relevant version of Web Content Accessibility Guidelines (WCAG) as set forth by the World Wide Web Consortium (W3C) the internet’s main international standards-setting organization.

As part of our steadfast commitment to enhancing and addressing accessibility challenges, we use developers who are expert in digital accessibility.

Our approach to accessibility includes both manual accessibility auditing and automated scans.

crestico.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.

The Widget offers user-triggered enhancements that allow visitors to improve the accessibility of the site. These features will, when selected, increase font size, pause animations, change color contrast, and more. People can choose combinations that suit their needs, as per WCAG Level AAA.

The site has enabled Automated Remediation Technology (ART) for all visitors, whether they use assistive technology or not. ART does not detect Assistive Technology usage; rather, it improves accessibility for all site visitors regardless of ability by deploying remediation capabilities such as (not a complete list):

• Images and other non-text elements have alternative text associated with them when required;
• Keyboard navigation is improved with aids such as focus indication and skip links;

Please Contact Us

We are here to assist you and make your experience as smooth and inclusive as possible. If you encounter any digital accessibility issues with our products or services, or need information related to digital accessibility, we want to hear from you! Also, we appreciate and welcome feedback, and we are always ready to embrace suggestions for enhancing our digital accessibility efforts.

Contact Information:

• CRESTICO, INC.
• Email: legal@crestico.com

We take accessibility seriously and will get back to you shortly.

CRESTICO, INC. is an Equal Housing Opportunity Broker/Lender Licensed by California Bureau of Real Estate LIC.# 01861921 & NMLSR ID 275201 & Department of California Business Over Sight License #603L103. This information is not intended to be a disclosure as defined by Federal Reserve REG Z RESPA, or any state law, regulation or statue. This information is not indented nor should be construed as an advertisement to promote consumer credit as defined by Title 12, Code of Federal Regulations Section 226.2. Rates and Program are subject to change without notice. Not everyone will qualify. This is not a commitment to lend. Some products may not be available in all states. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Our service is 100% completely free and there is no cost to submit a quote request, get matched with service providers, and receive mortgage offers. Of course, you will be responsible for paying any closing costs, loan processing fees, or other fees directly to the lender that you choose to close your loan with. The rate and payment referenced on our site or in any advertisement is for guidance and is based on available rates and terms from our lender network. The interest rate, APR, and terms that you are offered may vary based on your mortgage loan request and are determined by the lenders that you are matched with. There is a possibility that you may not be matched with the particular service provider that is making this example offer. Advertised rates are subject to change daily without notice. LOAN COMPARISONS The loan comparisons above are presented as an estimate of possible mortgage scenarios and are for illustrative purposes only. Rates and pricing may differ according to loan amount. Monthly payments are principal and interest only and do not include taxes, insurance or any other fees that may apply, which will result in a higher actual payment. A monthly PMI payment may apply as well as an upfront funding fee. ASSUMPTION Rates and pricing may differ depending on actual loan amount, credit scores and property value. Property Tax, Home Owners Insurance, Title, Escrow and Additional Third Party Fee may apply. For the following consumer segment: Loan Amount between $300 to $417K, 760+ FICO, LTV <=75%, SFR, Primary Home, Rates, points and APRs shown are for a 15-day lock, monthly escrowing of taxes & insurance & MIP if required. Rates and terms vary and are subject to change based on specific lender requirements and fluctuations in interest rate markets. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. All credit decisions will vary based upon your loan request and creditprofile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets. $175,000 for $701/month – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $701 based upon a loan amount of $175,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$200,000 for $801/month – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $801 based upon a loan amount of $200,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.625 discount points (and $1,250 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$250,000 for $1001/month – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $1001 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.375 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

3.8% FIXED Rate (3.9 APR) – Disclosure current as of September 15th, 2014.

• The advertised rate is a 30 Year Fixed loan with a 30-year fully amortizing term.
• The Annual Percentage Rate (APR) is 3.9%
• The monthly payment is $1164 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 1.00 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% FIXED Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

• The advertised rate is a 15 Year Fixed loan with a 15-year fully amortizing term.
• The Annual Percentage Rate (APR) is 3.0%
• The monthly payment is $1690 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 1.00 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $1001 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Rates displayed on our network of websites are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Mortgage Loan Originators at (818) 784-2929 for a customized rate and payment quote.

It assures that you’ll always get the best rate available when you check our website direclty. Here’s how it works:

1. Perform an Mortgage Interest Rate check using any official CRESTICO channel (crestico.com, cresticofunding.com or call us directly)
2. If you find a lower interest rate for the same mortgage program based on information provided on a non-CRESTICO website, you may submit a Best Rate Guaranteed claim.
   1. Claim must include the following: Screen Shot of the rate displayed including URL and Date (We recommend you to print that page) from the non-CRESTICO website.
   2. Exact information provided to obtain that rate.
   3. email your claim to broker@crestico.com
3. If we approve your claim, we will match the Interest Rate and cost OR offer $250 for your time and inconvenience.

This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. Any property information referenced on this website comes from the Internet Data Exchange (IDX) program.

The data contained herein is copyrighted by California Regional Multiple Listing Service, Inc. (CRMLS)/CAREST/ The MLS Combined LA/Westside MLS® (CLAW)/CRISNet/ i-Tech MLS/PSRMLS/VCRDS and is protected by all applicable copyright laws.

Information about our use of cookies

This website www.crestico.com uses cookies to help us provide our users with a good experience when they browse our website and also allows us to improve our site.

What is a cookie?

A cookie is a small file of letters and numbers that we store on user’s browser or their computer’s hard drive if they agree. Cookies contain information that is transferred to user’s computer’s hard drive.

Types of cookies and how we use them

We perform cookie scans on our website on a regular basis and maintain our cookie list updated. We classify cookies in four categories:

• Necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable website visitors to log into secure areas of our website, use a shopping cart or make use of e-billing services.-PHPSESSID Expiration: Session Description: Cookie generated by applications based on the PHP language. This is a general purpose identifier used to maintain user session variables. It is normally a random generated number, how it is used can be specific to the site, but a good example is maintaining a logged-in status for a user between pages.-illow-consent Expiration: Session Description: This cookie is used to keep track of a given consent in the platform
• Analytical/performance cookies. They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.-_ga Expiration: 400 days Description: ID used to identify users-ga Expiration: 400 days Description: ID used to identify users-lastExternalReferrerTime Expiration: Session Description: Analyze user behavior and optimize user flow–lastExternalReferrer Expiration: Session Description: Track website traffic sources and external referrals
• Preferences cookies. These are used to recognize users when they return to our website. This enables us to personalize our content for them and remember their preferences (for example, their choice of language or region).
• Marketing cookies. These cookies record users’ visits to our website, the pages they have visited and the links they have followed. We will use this information to make our website and the advertising displayed on it more relevant to our website visitors interests.-_gcl_au Expiration: 90 days Description: Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.-test_cookie Expiration: 1 hours Description: This cookie is set by DoubleClick (which is owned by Google) to determine if the website visitor’s browser supports cookies.-_fbp Expiration: 90 days Description: Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers–IDE Expiration: 390 days Description: This cookie is used for targeting, analyzing and optimisation of ad campaigns in DoubleClick/Google Marketing Suite

Depending on user’s location, they will be able to opt-out from each cookie category (except necessary cookies) by clicking on the “set custom permission” in the cookie banner of our website.

Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to this website operator’s Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.
In accordance with the Digital Millennium Copyright Act (“DMCA”), CRESTICO, INC. (“CRESTICO”) has adopted and implemented the following notice-and-takedown procedure for copyright owners whose copyrighted work(s) appear on our websites without permission:

CRESTICO has designated an agent (“DMCA Agent”) to receive and respond to proper written notifications from copyright owners who claim inappropriate use of copyrighted materials on our websites or through our Services. Should CRESTICO’s DMCA Agent receive such a notification in the manner set forth below alleging copyright infringing activity, CRESTICO will take whatever action it deems appropriate, in its sole discretion, including removal of the offensive content, contacting the relevant CRESTICO account holder, and/or terminating any CRESTICO account that is found to repeatedly post infringing content.

CRESTICO, INC.
DMCA Agent c/o General Counsel
22935 Ventura Blvd. Suite 201
Woodland Hills, CA 91364

All infringement notifications must be submitted in writing to CRESTICO’s DMCA Agent at the postal address and URL Web Address above listed, and must include the following: (1) identification of the copyrighted work(s) claimed to be infringed; (2) identification of the material or link allegedly hosting the infringing content; (3) the copyright owner’s contact information (including mailing address, telephone number, and email address); (4) the following statements: (i) “I hereby state that I have a good faith belief that the use of the copyrighted material is not authorized by the copyright owner, its agent, or the law,” and (ii) “I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner or am authorized to act on behalf of the owner of the copyright that is allegedly infringed;” and (5) the full name and electronic or physical signature of the copyright owner or the copyright owner’s agent.

If you give notice of copyright infringement by e-mail, an agent may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action.

This information should not be construed as legal advice. We recommend you seek independent legal counsel before filing a notification or counter-notification. For further information about the DMCA, please visit the website of the United States Copyright Office at: http://www.copyright.gov/

This message is for informational purposes only. It is not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. All market prices, data and other information are not warranted as to completeness or accuracy and are subject to change without notice. Any comments or statements made herein do not necessarily reflect those of CRESTICO.

This message may contain information that is proprietary, privileged, confidential, and/or exempt from disclosure under applicable law. This message is specific to the recipient and may not be reproduced, redistributed or transmitted, in whole or in part, without the prior written consent of CRESTICO. If you are not the intended recipient, you are not authorized to use the information in this message in any way, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited.

CRESTICO does not guarantee that communications transmitted electronically (sent or received) are secure, accurate or complete as information could be intercepted, tampered with, corrupted, lost, destroyed or delayed or could contain viruses. Although this message and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free.

Electronic communications are not a reliable means of communicating with CRESTICO. As such, CRESTICO does not accept any responsibility for the contents of any electronic communication or for any delays, inaccuracies or omissions in the receipt of your instructions or in the transmission of orders or other information to CRESTICO and disclaims all liability to the fullest extent permitted by applicable law for any loss or damage arising from any reliance on or use of this message in any way.

Please note that any electronic communication that is conducted within or through CRESTICO’s systems is subject to monitoring, review, retention and external production; may be stored or otherwise processed in countries other than the country in which you are located; and will be treated in accordance with CRESTICO’s policies and applicable laws and regulations.

By messaging with CRESTICO and It’s staff, Associate-Licensees , you understand and accept all risks associated with electronic communications.

CRESTICO, INC., fully support the principles of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968), as amended, which generally prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability). In addition, each and every CRESTICO, INC., office is contractually required to comply, in all respects, with all laws, rules and regulations applicable to the real estate industry, including without limitation, the requirements imposed by the Fair Housing Act. As an adjunct to the foregoing commitment, both CRESTICO, INC. actively promote, and are committed to, creating and fostering an environment of diversity throughout their respective organizations and franchise systems, and each views such a concept as a critical component to the on-going success of their business operations.

Fair Housing Statement
Federal and state fair housing laws were put into effect to create an even playing field for homebuyers in all areas of a real estate transaction. These laws prohibit discrimination based on race, color, religion, sex, disability, familial status, and national origin.

Fair Housing Act
The Fair Housing Act of 1968 makes fair housing a national policy. It prohibits discrimination in the sale, lease or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, disability, familial status or national origin.

Civil Rights Act of 1866
The Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property.

Americans with Disabilities Act
Title III of the Americans with Disabilities Act prohibits discrimination against persons with disabilities in commercial facilities and places of public accommodation.

Equal Credit Opportunity Act
The Equal Credit Opportunity Act makes it unlawful to discriminate against anyone on a credit application due to 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.

THE RESPONSIBILITIES
The home seller, the home seeker, and the real estate professional all have rights and responsibilities under the law.

For the Home Seller
You should know that as a home seller or landlord you are obligated not to discriminate in the sale, rental and financing of property on the basis of race, color, religion, sex, disability, familial status, or national origin. You may not instruct the licensed broker or salesperson acting as your agent to convey for you any limitations in the sale or rental, because the real estate professional is also obligated not to discriminate. Under the law, a home seller or landlord cannot establish discriminatory terms or conditions in the purchase or rental; deny that housing is available or advertise that the property is available only to persons of a certain race, color, religion, sex, disability, familial status, or national origin.

For the Home Seeker
You have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, disability, familial status, or national origin.

This includes the right to expect:

• Housing in your price range made available to you without discrimination
• Equal professional service
• The opportunity to consider a broad range of housing choices
• No discriminatory limitations on communities or locations of housing
• No discrimination in the financing, appraising or insuring of housing
• Reasonable accommodations in rules, practices and procedures for persons with disabilities
• Non-discriminatory terms and conditions for sale, rental, financing, or insuring of a dwelling
• To be free from harassment

For the Real Estate Professional
Agents in a real estate transaction may not discriminate on the basis of race, color, religion, sex, disability, familial status or national origin. They also may not follow such instructions from a home seller or landlord.

What To Do if You Feel the Law Has Been Violated
Discrimination complaints about housing may be filed with the nearest office of the U.S. Dept. of Housing and Urban Development (HUD) or by calling HUD’s toll-free numbers, 1-800-669-9777 (voice) or TTY (800) 927-9275 contact HUD on the Internet at http://www.hud.gov/offices/fheo/index.cfm

About Us
This website is powered by WordPress, LendingPad and Moso, Inc. Inside Real Estate and their affiliates, a provider of software and services for the residential real estate and mortgage industry (collectively referred to as “Service Providers”)

Information We Collect
When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.

Individualized Password
When you sign up for online access to loan related information, you are asked to create your own username and password to access information related to your loan file. This information is encrypted during transmission. We allow you to select your own personal username (email address) to sign on. We strongly recommend that you use your own email address and not a shared email address that may be accessed by multiple parties.

Security Questions
Your real estate or mortgage professional may ask you to set up four security questions and answers, as well as a phrase and site image that will be associated with your account. If we ever need to confirm your identity, your correct answers to the security questions in conjunction with the phrase and site image will help us verify your identity.

Cookies
“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Our Service Providers may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, one service provider may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Timed log-off
This website may automatically log you off after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Firewall
Service Provider’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.

Encryption
From the moment account information leaves your computer to the time it enters our Service Provider’s system, all online access is encrypted.

During any exchange of sensitive loan information or documents, our 64-bit or 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Our Service Provider’s servers possess the formulas required to turn this code back into meaningful information for processing.

Any Web address beginning with “https://…” indicates the page you are viewing uses encryption. The “s” stands for “secured.”

Constant surveillance
Our Service Provider’s security team maintains and monitors our security systems to help ensure that your accounts are safe and secure.

This terms of use agreement (this “Agreement”) governs your use of the CRESTICO website (the “Site”). This Agreement should be read carefully before accessing or using this Site.

By accessing or using this Site, you agree to be bound by this Agreement and, if applicable, such other terms of use agreements of CRESTICO that may be necessary for CRESTICO to provide you access to certain proprietary product(s). If you do not consent to these terms, please do not utilize the Site or the materials contained therein. CRESTICO provides the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions and notices. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

This Site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site is provided with the understanding that CRESTICO is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

CRESTICO and its agents assume no responsibility for any consequences relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. CRESTICO strives to keep the information on this Site accurate, complete and up-to-date yet does not guarantee, represent or warrant that it is accurate, the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower’s situation is unique to every situation, and your situation needs to be individually analyzed. CRESTICO and its suppliers cannot guarantee, and will not be responsible for, any damage or losses arising from or related to the accuracy, completeness or timeliness of the information presented or its application in your situation.

Personal and Noncommercial Use Limitation
You may access, download and print materials on this Site for your personal and non-commercial use. You may use the information to obtain the appropriate loan and the best terms for your particular situation from your preferred provider.

No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to CRESTICO, that you will not use this Site for any purpose that is unlawful or prohibited by this Agreement. If you violate any of the terms of this Agreement, your permission to use the Site automatically terminates.

Prohibited Uses
Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by CRESTICO, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of CRESTICO, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate law enforcement agencies.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our webpages or the content contained on the Site without CRESTICO’s prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.

You agree that CRESTICO may terminate your password, account, or use of the Site in CRESTICO’s sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, CRESTICO may post notices or links to notices through the Site to inform you of changes to the applicable terms of use, the Site, or other matters of importance. Please see our privacy policy available at https://www.crestico.com, which is incorporated by reference into this Agreement, for the details of our commitment to your privacy.

Proprietary Rights
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by CRESTICO. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of CRESTICO. All rights reserved.

THE CONTENTS OF THIS SITE, INCLUDING ITS “LOOK AND FEEL” (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to CRESTICO or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of CRESTICO. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.

Links To Third Party Sites
During your use of this Site or at any time in the process, you may be led to other web sites operated by unaffiliated third parties. Inclusion of hyperlinks by CRESTICO on the Site to such third party web sites does not imply any endorsement of the material on such web sites or any association with their operators, and your access and use such sites, including information, material, products and services therein, solely at your own risk. CRESTICO is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. CRESTICO is not responsible for the use of the information that you give any third parties.

Liability Disclaimer
You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that CRESTICO specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CRESTICO, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL CRESTICO, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF CRESTICO, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF CRESTICO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $100.

Access: Changes To Agreement
CRESTICO reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Likewise, CRESTICO may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the legal terms and conditions that govern your use of the Site periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

Miscellaneous
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by CRESTICO, to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between CRESTICO and you related to this Agreement shall be brought exclusively in federal district court.

CRESTICO logos, product and service names are trademarks / service marks owned by CRESTICO, (the “Marks”). You agree not to display or use the Marks in any manner without the prior written permission of CRESTICO.

This Site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this Site you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at https://www.google.com/policies/privacy. By using this site you agree to be bound by Google’s Terms of Service which may be found at https://www.google.com/intl/en/policies/terms.

No Minor Use
This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited.

Use within the United States
This Site is intended to be accessed by persons located within the United States of America. Access and use of this Site by persons from locations other than the United States is prohibited.

Indemnification
You agree to indemnify, defend and hold harmless CRESTICO, its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) arising from or related to your violation of this Agreement.

Identity and Location Verification
To help the government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you. You acknowledge that by clicking “Check Your Rate”, “Get Approved Today”, “Get QUOTE” and continuing with the application process, you understand and consent to CRESTICO and/or third party service provider(s) (including your mobile phone carrier) to use geolocation services to verify the location of your mobile device.