YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH CHURCHILL
MORTGAGE IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING
TERMS AND CONDITIONS: 1) CLICKING ON WEBPAGES BEYOND OUR WEBSITE'S
HOMEPAGE AUTHORIZES YOUR ACCEPTANCE AND AGREEMENT WITH OUR TERMS OF
USE, WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH CHURCHILL AND
WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH
OTHER CHANNELS, SUCH AS BY PHONE, EMAIL, FAX, CHAT, INSTANT MESSAGE, OR
OTHERWISE. IN ORDER TO USE THE COMPANY’S WEBSITE, YOU MUST AGREE TO THE
Ownership of Website
This website is owned and operated by Churchill Mortgage, Inc., 761 Old
Hickory Blvd, Brentwood, TN 37027 which is referred to below as "Churchill
Mortgage" or “Churchill”, "we," or "us" or "Company" or "our."
Access to Our Website
Churchill Mortgage reserves the rights at any time (in its sole discretion
and without notice to you) to deny access to and use of our website.
Use of Our Website
You recognize and agree you have the sole responsibility and liability for
your use of the Churchill Mortgage website in addition to providing and
maintaining all your software, hardware, electrical power,
telecommunications, Internet services, and any other products/ services
necessary to access and use our website.
Permitted Use of the Churchill Mortgage Website:
As a user of Churchill’s website, you agree:
1. Your use of our website is subject to and governed by these Terms of
2. You transact business with us if you are at least 18 years old.
on our website every time you use our website.
4. Each time you use Churchill’s website, you indicate and confirm your
Churchill Mortgage that will be enforceable against you.
You agree you won’t use or try to use Churchill’s website for any purpose
other than managing residential mortgage/home loan related business with
Churchill Mortgage as a customer of Churchill Mortgage; you may not use or
try to use Churchill’s website (or any part of our site for any purpose)
Obstructs or provokes a breach of any contractual relationships between
Churchill Mortgage and our employees.
Is prohibited or illegal or is harmful to anyone, or their property.
Transmits advertisements, solicitations, spam, or other unsolicited
Email or other communications.
Transfers harmful computer viruses.
Gatherings of Email addresses from Churchill’s website.
Circulates unsolicited Email to our website or to Email addresses
included in the domain name under on Churchill’s website.
Tampers with our network systems.
Attempts to get unauthorized access to our network systems.
Proposes an express or implied affiliation with Churchill Mortgage or
broker relationship with Churchill Mortgage (without the written
permission of Churchill Mortgage).
Damages Churchill’s ability to operate our website or any other
individual’s ability to access and use this website.
Uses methods or devices on our site for the purpose of controlling or
manipulating the results of Internet search engines, or for any other
purpose other than managing residential mortgage/home loan banking
related business with Churchill Mortgage as a customer of Churchill
Illegally impersonates your affiliation with any entity or person.
Inflicts harm to minors in any way, including but not limited to,
uploading or sending content that breaks any child pornography laws,
child sexual exploitation laws and laws banning the portrayal of minors
engaged in sexual behavior.
Uploads or sends sexually explicit, violent, hateful, abusive,
discriminatory, threatening, harassing, or any other offensive content
Harasses, abuses, or threatens another person in any way and/or
incorporates images and/or content that portrays, promotes, or implies
the work of a crime or any other illegal activities.
Diminishes the name and reputation of Churchill Mortgage or any of its
Uploads or sends any images and/or content that meddles with any third
party's right to privacy and/or violates intellectual property rights.
Illegally uploads or sends any proprietary, confidential, or
You recognize and agree Churchill Mortgage may change or edit our “Terms of
Use” at any time without notice to you. You also agree that you are bound
addition, you recognize and agree all other content, services, products and
materials on or available through this website are subject to being updated
and revised without notice to you. You also recognize single/individual
permitted in writing by the COO or CEO of Churchill Mortgage.
Intellectual Property Rights
The following marks appearing on this website, including, but not limited
to: Churchill Mortgage Company name and the respective logos, emblems,
slogans and designs are trademarks and/or service marks of Churchill
“Churchill Mortgage®” is a registered service mark of Churchill Mortgage,
Inc., used under license.
All other marks used on this website are the property of their respective
· All content, webpages, eBooks, resources, blog articles, source code,
calculators, products, materials, data, text, functionality, services,
design, layout, screen interfaces, brand recognition, and the operation of
the Churchill Mortgage website are protected by numerous intellectual
property laws, including but not limited to copyrights, trademarks, service
· All rights associated with the webpage content are owned by Churchill
Mortgage, our licensors, or third-party content providers.
Furthermore, you recognize and agree you do not have any ownership rights
by downloading or viewing any webpage content. You further acknowledge and
agree you will not infringe the copyright of Churchill Mortgage’s content
by reproducing, copying, publishing, posting, uploading, or altering the
appearance of any webpage content.
You also may not use Churchill’s webpage content, any of our domain names
(in whole or in part), or Email addresses related to or derived from our
website. You can also not use any trademarks, service marks, trade or brand
names, logos, functionality, or data from the Churchill Mortgage website
for any purpose. This includes but is not limited to:
· Any meta-tag or hidden text with any website content.
· Any part of our contextual marketing directory, index, or prompting
· Any content or advertising related to any other website including but not
limited to modified or informational websites.
· Any variable or data point in any algorithm that can produce or allow
another Internet browser to appear on, over, or at the same time as
Churchill Mortgage’s website or webpages. This also includes the
controlling of any content of any other Internet browser window.
You recognize and agree that all submissions to Churchill Mortgage
containing comments, suggestions, and ideas regarding this website will
become and remain our exclusive property. This includes any future rights
associated with these such submissions, even if the requirements of these
disclaim any proprietary rights in such submissions and acknowledge
Churchill Mortgage’s unrestricted right to use, publish, and commercially
market any identical or similar ideas originating from your submission.
This will include in type of medium from time of submission to the future
without notice, compensation, or any other obligations to you or any other
individual. This includes but is not limited to blog comments, form
submissions, social media comments and engagements, instant messages, phone
conversations, and Emails.
You recognize and agree all testimonials submitted to Churchill Mortgage
will become and remain our exclusive property, even if the requirements of
grant Churchill Mortgage the unrestricted rights now (and in the future),
without notice, compensation, or other obligations to you or any other
individual to use your comments, statements, image, likeness, in any medium
with an advertisement or for any other publicity or marketing purposes. You
also agree Churchill Mortgage may use any part of your testimonials, image,
likeness and/or work and may exclude your name, use part of your name
(first name, last name initial) or use a fictitious name.
The Churchill Mortgage website may provide links to other websites outside
the webpages of the Churchill Mortgage domain. Unless notated otherwise on
this website, Churchill Mortgage does not endorse, approve, sponsor or
control any content or information available through other websites to
which Churchill Mortgage may provide a link. By using the Churchill
Mortgage website, you recognize and agree that Churchill Mortgage is not
responsible to you or any other person for claims or damages resulting from
your use of provided content, information, services, calculations, etc.
Churchill Mortgage does not permit third-party advertising on our website.
The only exception is if you have written permission of Churchill Mortgage,
and you agree you will not create links from any website or webpage to our
website or any webpage within our website.
You understand that Churchill Mortgage controls, operates, and monitors our
website from within the United States of America. Our website provides
information regarding residential mortgage/home loan services and products
that are only available in the United States. We make no representation
that the services or products about which information may be provided on
this website will be available (1.) anywhere outside of the United States
or (2.) in states Churchill Mortgage is licensed in within the United
States. You recognize and agree you are responsible for complying with all
federal, state and local laws applicable to your access to this website in
addition to the use of this website.
Security and Privacy
For more information on how Churchill Mortgage uses and protects the
personal information you submit through forms on our website, visit:
If you have unauthorized use of the Churchill Mortgage website or violate
laws of the United States, as well as applicable state laws, and may be
subject to penalties, and (2.) You could be responsible for damages caused
to Churchill Mortgage. You agree to compensate Churchill Mortgage and our
affiliates, vendors and licensors, as well as the employees, home loan
specialists, branch managers, officers, directors, agents, and
representatives of Churchill Mortgage. You will also hold all of them
harmless from all costs, claims, damages, and losses, including attorney's
fees and court costs related to your use of our website and/or your
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THE CHURCHILL MORTGAGE WEBSITE
ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES, EITHER EXPRESSED OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, CHURCHILL MORTGAGE
REPUDIATES ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED
TO IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE AND NON-INFRINGEMENT.
CHURCHILL MORTGAGE MAKES NO REPRESENTATION OR WARRANTY REGARDING THE
WEBSITE CONTENT OR ITS USE. THE WEBSITE AND WEBPAGE CONTENT MAY INCLUDE
INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE DUE TO
ONGOING DEVELOPMENTS THAT OCCUR AFTER PREPARATION OR PUBLICATION DATES.
CHURCHILL MORTGAGE HAS NO OBLIGATION TO MAINTAIN THE ACCURACY OF ANY WEB
PAGE CONTENT ON THE CHURCHILL MORTGAGE WEBSITE.
UNDER NO CIRCUMSTANCES WILL CHURCHILL MORTGAGE BE LIABLE TO YOU OR ANY
OTHER INDIVIDUAL FOR DAMAGES OR INJURY, INCLUDING ANY DIRECT, INCIDENTAL,
CONSEQUENTIAL OR PUNITIVE DAMAGES IN ADDITION TO DAMAGES AND/OR INJURIES
CAUSED BY ERROR, INACCURACY, INTERRUPTION, FAILURE OF PERFORMANCE, DELAY IN
OPERATION, TELECOMMUNICATIONS FAILURE, COMPUTER VIRUS, OR OTHER PROBLEMS
THAT COULD RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CHURCHILL
WEBSITE OR WEBPAGE CONTENT ON THE CHURCHILL WEBSITE.
APPLICABLE LAWS MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE
LIMITATIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. SOME OF
THE PREVIOUSLY MENTIONED LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN
NO EVENT WILL CHURCHILL MORTGAGE’S LIABILITY TO YOU FOR DAMAGES, LOSSES,
AND/OR CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU IN ACCESSING OR USING
THIS WEBSITE OF WEBPAGE CONTENT FROM THERE ON.
Churchill Mortgage Communications
For more information regarding Churchill Mortgage’s Email policy, please
When communicating with Churchill Mortgage through our website, chat,
social media, or via Email, do not provide any personal information that is
related to your home loan – this includes but isn’t limited to financial
information, interest rate locks through Rate Secured, your loan
applications, closing instructions. All sensitive information about
transactions conducted through Churchill Mortgage via website, chat, blog,
social media, Email, etc. must be confirmed in writing by use to be
accepted by and binding to us.
Home Loan Approvals:
All loan approvals, qualifications, rate locks through Churchill’s Rate
Secured, deposit and refund agreements, etc. are only made by in writing by
Churchill Mortgage. Approvals, certifications, and qualifications are
conditional in accordance with terms will be provided in writing signed by
By applying for credit, you are authorizing Churchill Mortgage and our Home
Loan Specialists and team to obtain a copy of your credit report. As a
result, a hard inquiry may appear on your credit report. A hard inquiry
could negatively affect your credit score.
Communications through Churchill Mortgage’s website chat, instant message,
social media, or via Email are not intended by us to establish either an
electronic record or an electronic signature (i.e. e-sign), or to establish
any agreement to conduct a transaction by electronic means, unless a
specific statement to the contrary is included in the message. Please note,
if you click on a "click to accept" button or on the Churchill website or
webpage, this is binding upon you.
Monitoring of Communications
: All your communications with Churchill Mortgage through our website,
chat, Email, and telephone may be recorded or monitored. By using these
methods of communication, you are allowing to the recording or monitoring
of the same.
Ways to Opt-Out from Communications
Agreement to sharing:
If you submit a form to Churchill Mortgage through this website or one of
Churchill’s webpages, you are making an inquiry about the mortgage and home
loan lending programs and services offered by Churchill. You recognize and
agree if you submit an inquiry, Churchill has the rights to share the
information you provided, including but not limited to your complete name,
birth date, address, telephone number (cell phone and land line), and
social security number with our affiliates so they can respond to your
inquiry. You also give Churchill Mortgage permission to share your
information (either as provided by you or as corrected by us). You
recognize Churchill Mortgage is not part of any agreement you may make with
any affiliate, and this affiliate is solely responsible for their services
to you. You acknowledge the requirements for all Churchill Mortgage
services or products (including your mortgage) are determined by
affiliates. Churchill Mortgage does not endorse, warrant, or guarantee the
products or services of any of its affiliates. Nothing in our “Terms of
Use” or on the Churchill Mortgage website or webpages constitutes an offer
for a loan commitment or interest rate lock agreement. You agree that
Churchill Mortgage will not be liable for damages or costs which arise from
use of the affiliates’ services.
By submitting one of Churchill’s contact request forms for more information
or to speak to a Home Loan Specialist, you consent to be contacted by
telephone (on a recorded line), pre-recorded calling, text message, Email,
fax, social media, or any means, - this is even if you have opted in to the
National Do Not Call List, any state equivalent to the Do Not Call List or
the internal Do Not Call List of any company, anywhere. You understand we
may maintain the information you submitted if you choose to not use our
products and services. If you decide you do not want to continue to receive
communications from Churchill Mortgage, you can opt-out of various methods
or call 888-562-8634 extension 629
Application of Terms
You recognize certain features of the Churchill Mortgage website, as well
other products and services of Churchill Mortgage, including those that may
be available through this website, may be subject to terms, conditions and
products and services will be subject to such additional terms, conditions,
Accurate Information Agreement
In the process of making a loan inquiry, filling out an application, or
entering into any other transaction or request for information on the
Churchill Mortgage website, you agree to provide accurate and complete
information upon which Churchill Mortgage may rely on and refer to.
Churchill Mortgage usually begins the application process once you’ve
submitted a complete application. Part of this process could include
ordering an appraisal, credit report, title commitment and other necessary
third-party items. If you submit an application (online or hard copy), you
agree to cooperate in the application process by submitting all required
documentation in a timely manner. You may also need to obtain information
that Churchill Mortgage may need from third parties such as your bank or
financial institutions, current and past employers, and current mortgage
company (if applicable). You also agree to notify Churchill Mortgage of any
changes to your submitted information that is connected to your application
When you submit a loan application to Churchill Mortgage, we will start to
process your application. As a result, we will advance on your behalf costs
for certain third-party expenses. If you do not fully cooperate in or
complete the application process (including submitting all required
documentation in a timely manner), or if you decide to your application, or
choose not to close the transaction with Churchill Mortgage for any reason,
you may be required to pay for some or all of our third-party costs. Review
your deposit agreement for details specific to your home loan application.
Churchill Mortgage uses reasonable and respectable efforts to have your
application fully processed and closed on or before any applicable rate
lock expiration date with our Rate Secured program, and/or your projected
closing date, but some processes are not under our control. For example,
Churchill Mortgage cannot be held accountable for delays in your home loan
approval or closing time due to your existing home not selling, the
untimely receipt of an acceptable appraisal; the untimely receipt of any
required documentation; issues disclosed by a title commitment or survey;
any other matters beyond Churchill Mortgage’s reasonable control.
State Governing Law
accordance with the laws of the State of Tennessee, without giving effect
to any conflicts of law. You also agree any action at law or in equity
Churchill Mortgage website and webpages shall be filed only in the state or
federal courts located in Williamson County, Tennessee, and you hereby
consent and submit to the personal jurisdiction of these courts for the
purposes of litigating any such action.
unlawful or void, or for any reason unenforceable, then that particular
resource will be deemed severable from the other resources available in our
other resources available.
Churchill Mortgage Licensing and Disclosures
For disclosures and licensing information please visit:
Breach of Copyright
Churchill Mortgage is dedicated to protecting copyrights. If you believe
any materials used or featured on the Churchill Mortgage website or webpage
breaches your own copyright, your or your attorney may send Churchill a
notification that requests the copywritten materials/resources or
intellectual property be removed from our website or webpages. The Digital
Millennium Copyright Act of 1998 (the "DMCA") provides recourse for
copyright owners who believe that material appearing on the Internet
infringes their rights under U.S. copyright law. Provide the below
information to Churchill Mortgage: 1) An electronic or hard copy signature
that you are authorized to act on behalf of the copyright owner due to an
exclusive right that has been supposedly breached 2) A statement that the
information in your notification (to Churchill Mortgage) is accurate 3) A
complete list and identification and location of the
copywritten/copyrighted work claimed to have been stolen as well links and
in-depth details of the infringement. 4) Any information on how to contact
the complaining party (i.e. email address, phone number, physical address,
Send the above information to Churchill Mortgage, who can be reached as
Churchill Mortgage Inc.
Attn: Compliance Dept.
761 Old Hickory Blvd.
Brentwood, TN 37027
To protect our systems, the Churchill Mortgage IT department has blocked
electronic Email attachments. Accordingly, any notification of copyright
issues with an electronic attachment will not be received and cannot be
California Privacy Rights
California Civil Code § 1798.83 permits our website and webpage visitors
who are California residents to request certain information regarding their
disclosure of personal information to third parties for their direct
marketing purposes. To order this request, Email compliance@
churchillmortgage.com or write to us:
Attn: Compliance Dept.
761 Old Hickory Blvd.
Brentwood, TN 37027
Churchill Mortgage: Equal Opportunity Employer
Churchill Mortgage is an equal opportunity employer. Any concerns or
complaints about Churchill’s employment practices at any branch across the
United States or the home office, reach out to our Human Resources
department at (615)-778-9388