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Legal Terms

By using this web site, you signify your acceptance of the legal terms contained in this Terms of Use and any legal terms found elsewhere on the web site. All such legal terms are subject to change without notice to you, except that such changes will be posted on this web site. Such changes are binding on you and are not subject to further acceptance by you.

The Terms of Use and any other legal terms found elsewhere on this web site constitute the entire agreement between you and Asset Financial Center Inc. with respect to your use of this web site, and supersede any and all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.

Asset Financial Center Inc. Privacy Policy

Asset Financial Center respects your privacy and is committed to treating information about you responsibly. Asset Financial Center understands the need to safeguard sensitive information that you have provided and appreciates that you expect privacy and security for your personal and financial affairs. Asset Financial Center attempts to minimize the information it collects to that which it reasonably believes is necessary in processing or administering a mortgage or home equity loan or providing products, services and other opportunities that may be of interest to you.

To make the mortgage process simpler and more enjoyable, Asset Financial Center solicits general information regarding your mortgage needs and preferences. Many consumers have expressed interest in receiving appropriate offerings of mortgage products and services that may be useful to them. Asset Financial Center will, from time to time, disclose the general information you provide to select companies that can provide you with information about such products and services. Due to the sensitive nature of the information collected by Asset Financial Center Inc., that information is segregated and accorded special treatment, as described in the following section.

Information Collected Asset Financial Center Inc.

Personal and financial data that you submit to Asset Financial Center Inc. (AFC) as part of the mortgage application and/or servicing process is segregated and used solely for the purposes of providing mortgage or related financial products or services. Only those AFC employees who need to know information about you to provide products or services to you will have access to that information. Personal and financial data will not be disclosed by AFC, except as described in the following paragraphs.

When you submit a loan application to AFC, applicants should know that as part of processing the application and/or servicing, AFC collects personal and financial information from the following sources: (1) information it receives from applicants on applications or other related forms, (2) information about transactions with AFC, AFC’s affiliates or others, and (3) information AFC receives from consumer reporting agencies. This additional information is needed as part of the mortgage process. AFC may also share personal and financial information (as described above) with either affiliates or non-affiliates as otherwise permitted by law. Such instances could include (but are not limited to) reports filed with certain government agencies or documents produced in response to a court order or subpoena. AFC has established procedures designed to ensure that personal information of the applicant is as accurate and complete as possible, in accordance with reasonable commercial standards. If you believe that any information about you is inaccurate or incomplete, please notify AFC by email or by calling 888.210.9838. AFC will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Questions

If you have any questions or comments regarding this Privacy Policy, please feel free to contact us via email to, by telephone 888.210.9838 or in writing to the corporate headquarters:

Asset Financial Center Inc. Compliance Department 1424 21st Street, Sacramento, CA 95811.

Solicitation

This web site may be accessed by users throughout the United States and internationally. It may contain references or cross-references to Asset Financial Center products, programs and services that are not available in all areas. These references do not imply that Asset Financial Center intends to make such products, programs or services available to residents in your area. The information contained in this web site is not intended as a solicitation to users residing in states where Asset Financial Center or its affiliates are not authorized to conduct business. Completing an application is not a commitment to lend. Offers are not available in all areas and limitations may apply.

Disclaimers

Despite the best efforts of Asset Financial Center to provide accurate information, including but not limited to prices and availability of homes or lots, it is not possible to completely ensure that information on this web site is constantly correct. Asset Financial Center does not warrant the accuracy and completeness of information, text, graphics, links or items contained on this web site. THIS WEB SITE IS PROVIDED ‘AS IS’ WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Asset Financial Center further does not warrant that its service in providing this web site will be uninterrupted.

In no event shall Asset Financial Center be liable for any special, 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 damages, and on any theory of liability, arising out of or in connection with your use of the materials. The web site and the materials on the web site are subject to change without notice and represent no commitment on the part of Asset Financial Center in the future. All products and services are provided subject to applicable taxes and accompanying terms and conditions.

Licensing

NMLS 154429 Asset Financial Center Inc. is licensed by the California Bureau of Real Estate, Broker 1858191, Oregon Division of Finance and Corporate Securities ML-5369 .