Between You or User and CharterStone Mortgage
Please read this agreement (“Agreement”) carefully before accessing or using this web site (“Site”). By accessing or using the Site, you agree to be bound by this Agreement. CharterStone Mortgage and its suppliers provide 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 and accessing its content constitutes your agreement to all the terms, conditions and notices contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither CharterStone Mortgage nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the Site.
CharterStone Mortgage and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take or don’t take based on the information, services or other material on this Site. While CharterStone Mortgage and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, CharterStone Mortgage and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However, You may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and use in another Web page, use on any other web site, transfer or sell any information, products or services obtained from this Site. If and when requested by The CharterStone 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 CharterStone Mortgage, you agree to refrain from accessing or attempting to access secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution. Individuals that violate these prohibitions will be prosecuted.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless CharterStone Mortgage that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and applicable federal and state laws. If you violate any of these terms, your permission to use the Site automatically terminates.
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, loss of money, material, equipment or data, neither CharterStone Mortgage nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CHARTERSTONE MORTGAGE 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” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL CHARTERSTONE MORTGAGE 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 CHARTERSTONE MORTGAGE 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.
You agree to indemnify, defend and hold harmless CharterStone Mortgage its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation of this Agreement.
LINKS TO THIRD PARTY SITES
CHANGES TO AGREEMENT
CharterStone Mortgage may and can modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. It is your responsibility to review this Agreement periodically, and your continued access or use of this Site will be deemed to be your acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older and located within the United States of America. Accessing or using this website by any person under the age of 18 or from locations outside the United States is prohibited.
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 Florida without giving effect to any principles of conflicts of law. Failure by CharterStone Mortgage or its affiliates to strictly enforce 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) month after such claim or cause of action arose or be forever barred. Any legal action or proceeding between CharterStone Mortgage and/or its affiliates and you related to this Agreement shall be brought in federal district court and/or by methods of mediation. You agree that the decision as to where to bring or hold these proceedings is at the sole discretion CharterStone Mortgage and/or its affiliates.
CharterStone Mortgage logos, products and service names are trademarks owned by and licensed to David Barrett (the “Marks”). Without the prior written permission of David Barrett, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.
In accordance with state and federal regulations, the following disclosure and licensing information are available for you to review online:
- Home Mortgage Disclosure Act
- Equal Housing Opportunity Lender
- Equal Credit Opportunity Act Fair Lending Notice
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending are available for review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 3001 N. Rocky Point Dr. E. Suite 200 Tampa, FL 33067 regarding the location of where our HMDA data may be inspected. To receive a copy of the data, send a written request to:
- CharterStone Mortgage
- 3001 N. Rocky Point Dr. E.
- Suite 200
- Tampa, FL 33067
Equal Housing Opportunity
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll-free), or 1-800-927-9275 (TDD), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
Fair Lending Policy
CharterStone Mortgage is committed to fair lending practices. It is our policy to make credit products available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending.
CharterStone Mortgage does not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any prohibited basis.
No High-Cost Loans
CharterStone Mortgage is also committed to not originate loans that would be considered “High-Cost Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).
No Predatory Lending
CharterStone Mortgage will not originate loans that have “Predatory” characteristics nature. We also do not require that borrowers purchase single paid or life credit insurance premiums from CharterStone Mortgage
We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with CharterStone Mortgage as a client.
Information We Collect About You during Your Online Visit
Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.
We use encryption to protect your information as it travels across the Internet. The site is protected with an SSL certificate. The application page is protected with Bank Level Security AES 256.
Our Web site is protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed.
We will utilize the best available technologies and and redundant technologies to ensure your information is safe is safe while traveling through the internet.
Information Collection and Sharing Practices for Existing Customers
Existing Customer/Previous Users
- Apply for a loan
- Inquire about a loan
- Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or CharterStone Mortgage customers to:
- Run our everyday operations
- Respond quickly to your requests or needs
- Help us communicate with you
- Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
- Name, address, and other account application information
- Account balances, transactions, and payment history
- Identify information such as your social security number, license number, and date of birth
- Creditworthiness including credit history, credit reports and credit score
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.
We may also share some of this information with companies performing services on our behalf. These types of vendors are called service providers.
We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.
Customer Information Sharing Choices/Opt-Out
- About your creditworthiness with our affiliates
- To all non-affiliates to offer you their products and services
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a CharterStone Mortgage customer, you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.
If your past choices have not changed, you only need to tell us one time, as long as you remain a CharterStone Mortgage customer.
Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.
Our policy is to treat customer information as we would want our own information treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate, and non-affiliated to care for personal information about our customers. We provide annual training to assure your informastion is safe.
Some of the steps we take to protect your information is securing all computer terminals with password protection, facial regognition, email encyrption, anti-virus, aniti-malware and DLP endpoint and cloud protection. Encrypted secure methods to transfer data between Company and customer. Locking sensitive information in storage, shredding all documentation containing client information, and performing background checks on all employees. Restricting access to sensitive data.
We are committed to maintaining accurate and up-to-date information on you and all of our customers and web visitors. We may contact you from time to time to verify that we have accurate information for you or to update the information that we have.
How to contact us regarding this site:
3001 N. Rocky Point DR E., Suite 200
Tampa, FL 33607
Email: [email protected]
Policy Effective Date
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person’s existing credit account information and purchases products and services at the victim’s expense. Application Fraud occurs when an individual uses another’s Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim’s name.
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.
If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.
To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580
State Specific Disclosures & Licensing Information
NMLS# 1554192 www.consumeraccess.org State Florida FL#MBR2128
CharterStone Mortgage not affiliated with any governmental agency. The material shown on this site is for informational purposes only. All applications are subject to underwriting approval and guidelines that may change without notice. Not all applicants will qualify for loan products described. All loan programs, terms, and conditions are subject to the rules and regulations and subject to change without notice. The products and services shown are not available in all geographic areas. CharterStone Mortgage does not warrant the accuracy or completeness of the information and images contained herein and disclaims any liability for errors, omissions or performance of the stated terms. CharterStone Mortgage is a mortgage brokerage business licensed in the State of Florida and does not render loan application decisions.On Line Application