1. Acceptance of Terms

By accessing or using this website (“Site”), you agree to be bound by these Terms of Service (“Terms”) and our  Privacy Policy. If you do not agree, you must discontinue use of the Site.

2. Eligibility

This Site is intended for individuals who are at least 18 years old and legally able to enter into binding agreements. By using the Site, you represent that you meet these requirements.

3. No Commitment to Lend

All information provided on the Site is for general informational purposes only and does not constitute:

    • A loan approval

    • A commitment to lend

    • A guarantee of any specific loan terms

All mortgage applications are subject to credit review, underwriting guidelines, and verification of information.

4. Use of the Site

You agree not to:

    • Use the Site for unlawful or prohibited purposes

    • Attempt to gain unauthorized access to systems or data

    • Interfere with the operation or security of the Site

    • Submit false, misleading, or incomplete information

We may suspend or terminate access for any violation of these Terms.

5. Intellectual Property

All content on the Site including text, graphics, logos, icons, and software is owned by the Company or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without written permission.

6. Online Applications and Communications

If you submit information through online forms or applications:

    • You agree that all information is accurate and complete

    • You authorize the Company to contact you using the information provided

    • Electronic communications may include email, SMS, or phone calls

Submitting an application does not guarantee approval.

7. Third‑Party Links

The Site may contain links to third‑party websites. These links are provided for convenience only. The Company is not responsible for the content, security, or privacy practices of third‑party sites.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

 

9. SMS & 10DLC Messaging Terms

9.1 Consent to Receive Text Messages

By providing your mobile number on this Site, in an application, or through any communication with the Company, you expressly consent to receive text messages (“SMS Messages”) from the Company. These messages may include account updates, application status notifications, marketing messages, promotional offers, and other information related to our products and services.

Your consent to receive SMS Messages is not a condition of any loan application or approval.

9.2 Message Frequency

Message frequency varies based on your interactions with the Company. You may receive recurring messages.

9.3 Opt‑Out Instructions

You may opt out of SMS Messages at any time by replying STOP to any message you receive. After you send STOP, you will receive a confirmation message and will no longer receive SMS Messages from us unless you opt in again.

9.4 Help Instructions

If you need assistance, reply HELP to any message or contact us at: compliance@firstcolonymortgage.com or call us at 866-200-1110.

9.5 Carrier & Delivery Disclaimers

    • Mobile carriers are not liable for delayed or undelivered messages.

    • Message and data rates may apply depending on your mobile plan.

    • Supported carriers may vary and are subject to change.

9.6 User Responsibilities

You represent that:

    • You are the owner or authorized user of the mobile number provided.

    • You will notify the Company immediately if your number changes or is reassigned.

    • You understand that recycled numbers may result in unintended messaging unless updated.

9.7 Data Privacy

Information collected through SMS Messages is governed by our Privacy Policy. We do not sell your mobile number or share it with third parties for their own marketing purposes.

9.8 10DLC Compliance

The Company uses registered 10DLC (10‑Digit Long Code) messaging routes for SMS delivery. By opting in, you acknowledge that:

    • Messages may be sent using automated technology.

    • Your opt‑in is captured and stored for compliance purposes.

    • Messaging content adheres to CTIA and carrier guidelines, including restrictions on prohibited content.

9.9 Revocation of Consent

You may revoke your consent to receive SMS Messages at any time by using the opt‑out method described above. Revoking consent does not affect the legality of messages sent before your request was processed.

 
10. Disclaimer of Warranties

The Site and its content are provided “as is” without warranties of any kind, express or implied. We do not guarantee:

    • Accuracy or completeness of information

    • Availability of the Site

    • That the Site will be error‑free or secure

Mortgage rates, terms, and product availability may change without notice.

11. Limitation of Liability

To the fullest extent permitted by law, the Company is not liable for any damages arising from:

    • Use or inability to use the Site

    • Errors or omissions in content

    • Unauthorized access to your data

    • Delays, interruptions, or system failures

Your sole remedy is to stop using the Site.

12. Changes to Terms

We may update these Terms at any time. Changes are effective immediately upon posting. Continued use of the Site constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the state in which the Company is headquartered, without regard to conflict‑of‑law principles.

14. Contact Information

If you have questions about these Terms, please contact us at: compliance@firstcolonymortgage.com or call us at 866-200-1110.

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