Privacy Policy

At Luxury Mortgage Corp® we are sensitive to your concerns regarding privacy and security. Our mortgage application is developed to ask only the necessary questions so that we can get you the best rate possible for your loan. In addition, it is our policy not to sell or share your data with any other company for the use of your personal information. The information you provide is used solely for the purpose of securing your loan. For your security, our online application form is automatically coded so that the information you supply travels over the Internet in an encrypted format and decoded once we receive the information. We are committed to protecting your personal and financial information throughout the entire process. If, at any time, you are not comfortable entering information over the Internet, please call us directly at 1-888-M-BANKER (I-888-622-6537).

Terms of Use

Luxury Mortgage Corp®
TERMS OF WEB SITE USE
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.
TERMS AND CONDITIONS
Definitions

As used in this contract: (a) the term "Agreement" refers to this contract; (b) the terms "you" and "yours," refer to you, a visitor to the Luxury Mortgage web site, as well as anyone you authorize to visit the Luxury Mortgage web site on your behalf; (c) the terms "Luxury Mortgage Corp", "Luxury Mortgage," "we," and "our" and "ours" refer to Luxury Mortgage Corp and any affiliates of Luxury Mortgage whose products or services are offered on the Luxury Mortgage web site; and (d) the term "Site" refers to the web site located at www.luxurymortgage.com® and related pages, or any linked pages and web sites hosted or sponsored by Luxury Mortgage.

PRIVACY POLICY

Luxury Mortgage is committed to maintaining the privacy and security of any and all information that you provide to Luxury Mortgage through the Site. To that end, Luxury Mortgage urges you to review the Luxury Mortgage Privacy Policy, which may be accessed by clicking on the following link: Privacy Policy. Please note that web sites linked to the Site may have separate privacy policies. When you use this Site, the information you enter and the transactions you conduct may be recorded. By using this Site, you consent to such recording. Luxury Mortgage reserves the right to store information on your computer in the form of a "cookie" or similar file for purpose of modifying this Site to reflect users' preferences.

LINKING TO OTHER SITES

Links to non-Luxury Mortgage websites are provided solely as pointers to information on topics that may be useful to users of the Site, and Luxury Mortgage has no control over the content on such non-Luxury Mortgage websites. The content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Luxury Mortgage. If you choose to link to a website not controlled by Luxury Mortgage, Luxury Mortgage makes no warranties, either express or implied concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Luxury Mortgage represent or warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is free of viruses or other contamination. Luxury Mortgage does not guarantee the authenticity of the documents on the Internet. Links to non-Luxury Mortgage sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or service at such sites, or any representation regarding the content at such sites. Other sites may collect data and personal information and operate according to their own privacy practices. You should read the other site's privacy policy before disclosing any information.

CACHING, FRAMING, HYPERLINKS PROHIBITED

Luxury Mortgage prohibits caching, unauthorized hypertext links to the Site and the framing of any content available through this site. Luxury Mortgage reserves the right to disable any unauthorized links or frames and specifically disclaims responsibility for other Internet sites linked to the Site.

USE AND LIMITATIONS OF THE SITE

Except where we specify otherwise, Luxury Mortgage offers you access to the Site solely for your personal and non-commercial uses. You promise that you will not use the Site, in whole or in part, for any purpose that is unlawful or prohibited by this Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Site. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other similar activity. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. If and when requested by Luxury Mortgage, 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 Luxury Mortgage, you agree that you will not access or attempt to access password protected, secure or non-public areas of the Site. You agree that Luxury Mortgage may in its sole discretion and at any time terminate your access to and use of the Site, or any part thereof, with or without notice. The Site contains content and information originated by Luxury Mortgage, affiliates of Luxury Mortgage or unaffiliated third parties. Luxury Mortgage makes available such content and information through the Site as a public service, for the sole purpose of aiding you, the consumer. Luxury Mortgage, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. This means, for example, that all of the information and materials contained in the Site, including any terms and conditions necessary to obtain a loan or other products or services are subject to change at any time. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Luxury Mortgage determination and acceptance. The information and materials contained in the Site and the terms, conditions, and descriptions that appear therein are subject to change without notice. Luxury Mortgage or its suppliers may discontinue or make changes to the information, products or services described herein at any time. Dated information is published as of its date only, and Luxury Mortgage does not undertake any obligation or responsibility to update or change any such information. Luxury Mortgage reserves the right to terminate all Web offerings without prior notice.

E-SIGNATURES AND COMMUNICATIONS

All electronic communications, including any electronic signatures or identifiers of Luxury Mortgage, are being transmitted solely for informational purposes. By making an electronic communication, Luxury Mortgage specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including loan approval, and does not intend that the electronic communication, or any related or associated electronic media or data, to constitute, or to be deemed to constitute, an electronic signature pursuant to any state or federal law or regulation that authorizes the use of electronic signatures.

Web-related Information Collection

We use web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser, and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site, in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personal information. More importantly, using cookies also helps us protect the security of your account. Session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans or making loans on your behalf. This information is encrypted and no personal data about you is stored on our servers. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets use tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. Luxury Mortgage utilizes information such as “click stream” and transactional data, and use all information collected in the aggregate, for anonymous purposes. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

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.

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.

Sharing Information With Companies That Provide Services For Us

We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies

TRADEMARKS, SERVICE MARKS AND COPYRIGHT

Copyright in the Site, and in the information and material therein and in their arrangement, is owned by Luxury Mortgage Corp unless otherwise indicated. Luxury Mortgage Corp® and luxurymortgage.com® are federally registered service marks of Luxury Mortgage Corp. Luxury Mortgagesm is a service mark of Luxury Mortgage Corp. Luxury Mortgage Corp also claims trademark and service mark rights in other marks contained in the Site. If you wish to inform Luxury Mortgage of any content that may indicate copyright infringement by any person or entity, pursuant to Title 17, United States Code, Section 512(c)(2), or trademark or service mark infringement pursuant to Title 15, United States Code, Sections 1114 and 1116, please forward your notification to:

Vice President, Legal Affairs & Compliance
Luxury Mortgage Corp
Four Landmark Square
Suite 300
Stamford, CT 06901

DISCLAIMER

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING, BUT NOT LIMITED TO, CONTENT PROVIDED BY LUXURY MORTGAGE, AN LUXURY MORTGAGE AFFILIATE OR A THIRD PARTY THROUGH THE SITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LUXURY MORTGAGE MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. LUXURY MORTGAGE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. LUXURY MORTGAGE SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

INDEMNIFICATION

YOU AGREE TO INDEMNIFY AND HOLD LUXURY MORTGAGE CORP AND ITS, SUPPLIERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, INFORMATION PROVIDED VIA THE SITE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LUXURY MORTGAGE CORP, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME. IN NO EVENT SHALL LUXURY MORTGAGE CORP, LUXURY MORTGAGE'S AFFILIATES OR THIRD PARTIES, INCLUDING SUPPLIERS, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LUXURY MORTGAGE CORP, LUXURY MORTGAGE'S AFFILIATES OR ANY THIRD PARTY 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 YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. Without limiting the foregoing, you agree to indemnify, defend and hold harmless Luxury Mortgage Corp, its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

MODIFICATIONS

Neither this Agreement nor any form that may be posted to this Site may in any way be altered by you without Luxury Mortgage's express written agreement. Any attempt by you to alter this Agreement or any form posted to this Site without Luxury Mortgage's express written consent shall be void and shall have no legal effect. This Agreement is subject to change at any time. Notice of changes shall be made by adding any changes to this document. Unless otherwise stated, changes shall be effective upon posting. You agree to review this Agreement from time to time for changes and updates.

MISCELLANEOUS

This Agreement is governed by the laws of the State of Connecticut, without regard to the principles of conflicts of laws thereof. You agree and consent to the exclusive jurisdiction and venue of courts sitting in Connecticut, County of Fairfield and/or the District of Connecticut in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Luxury Mortgage as a result of this Agreement or use of the Site. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.