Email and Mobile Policy

Churchill Email Policy

It’s important to Churchill Mortgage to provide various means of communicating with our customers this includes but isn’t limited to Email, text message, telephone, voicemail, online chat, instant message, blog comments, social media, fax machine, and regular mail. Because of this, we also think it’s equally important to provide you with terms and conditions for these methods of communication.

Email you receive from Churchill Mortgage is conditioned upon your agreement to the following terms:

Emails

Email is a way that we communicate to you but at times it can be brief and informal. Due to this, Emails may not accurately represent the entire matter in relation to getting a mortgage, or the mortgage process. In many instances, communications about a particular situation or loan example are exchanged through various channels like Email, telephone calls, voicemails, texts, faxes, letters, postcards, instant messages, social media responses and engagement, and in person. Sometimes multiple forms of communication may be exchanged through multiple channels at the same time. Accordingly, an Email, by itself, may not accurately reflect the complete communication or intent of Churchill Mortgage as it can be taken out of context. All official home loan matters should be subsequently confirmed in signed writings and documents. Also, the receipt of an Email from Churchill Mortgage may not put us on notice of any matters/issues contained within that particular, Email.

E-Sign Disclaimer

Unless there is explicit and specific language and disclosures to the contrary, Emails from Churchill Mortgage do not contain or constitute an electronic signature, even if the sender's name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.

Confidential Information

Emails (and all attachments) sent by Churchill Mortgage team members and representatives are confidential and should be reviewed to only the individual to whom they are addressed and intended. Any unauthorized use, disclosure, reproduction, or distribution is prohibited. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should remain confidential and does not authorize you to use or share any confidential information. Notify the sender immediately by telephone or Email and delete the original. Treat these Emails marked as "confidential" and stay in compliance with privacy laws (including but not limited to the Gramm-Leach-Bliley Act). Ensure confidential information is not disclosed or used by others. By accepting the confidential information provided by Churchill Mortgage, you agree to hold Churchill Mortgage harmless against any and all claims, losses, liabilities, or expenses that Churchill could incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.

Privileged Information

Emails exchanged with or involving our legal and compliance teams may contain privileged information subject to the attorney/client privilege and/or the attorney/work product privilege. Such privileged information will not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is prohibited.

Filters and Time Sensitive Instructions

Please do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Churchill team member or representative in a timely manner. All Emails are processed through both virus and spam filters which may delay/reject the delivery of an Email or Emails. Urgent matters should always be communicated directly with the person of concern by telephone, and also confirmed in writing with the appropriate person by fax or Email. Churchill Mortgage reserves the right to block any Email source it sees as inappropriate.

Business Purposes

Emails from Churchill Mortgage are to be used only for conducting mortgage business with our company. Vendors, suppliers, clients, and others receiving Email from team members at Churchill Mortgage may not use any Email address or team member’s contact information (or any other person's Email address appearing on or in a Churchill Mortgage Email) for any purpose other than corresponding with Churchill for lawful and legitimate business purposes relating to the business of our company. The receipt of an Email is not Churchill’s consent, nor an individual Churchill team member's consent, for you to use our Churchill Email addresses or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is prohibited.

Communications Monitoring

All Emails sent to or from Churchill’s team members may be forwarded, monitored, and/or reviewed by others within our company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, instant message, social media, chat, Email, and telephone. By using these communication methods you are consenting to the recording or monitoring of the same.

Unsecure Email Transmissions

Regular Email is typically sent via the Internet which is an open network. While certain designated areas within our website and webpages employ technologies to secure your data and the transmissions between you and Churchill Mortgage, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, incomplete or virus free and/or that they won't be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others. Churchill advises against Emailing time-sensitive or personal identifiable information over Email and disclaims all liability with regard to Emails (in addition to the content within the Email) if they are lost, destroyed, delayed, incomplete, misdelivered, intercepted/decrypted or otherwise.

Viruses

Although Churchill believes Email to be free of any virus or other defects that could cause harm to your computer system, please note that computer viruses can still be transmitted through attachments, content, and links. It is the recipient’s responsibility to make sure that any Email opened on their computer system is free of any harmful viruses. Churchill Mortgage is not liable for loss or damage due to the use, transmission, or storage of our Emails. If any team member at Churchill replies or an Email, the contents may have been produced by someone other than a Churchill Mortgage representative and we assume no liability. Churchill Mortgage revokes any warranty or representation that Emails from our company are free of viruses and/or are error free. The use of Email to cause harm by way of a virus, disabling code, or otherwise that interferes with Churchill Mortgage Email transmissions, phone system, or computer networks is prohibited and against the law; all violators will be prosecuted.

Email Content

Churchill Mortgage team members and representatives are strictly prohibited from using Email to send defamatory, discriminatory, harassing, or offensive statements/materials/graphics, or anything that infringes the copyrights or legal rights of others via Email. These communications are against Churchill Mortgage policy and outside the scope of the Churchill Mortgage employment of individual team members and representatives. We do not accept any liability in respect of these communications, and the individual team member or representative will be responsible and personally liable for any damages or other liability arising. Report violations to our Compliance Team at 888-562-6200 or complaints@churchillmortgage.com. The use of Churchill Mortgage’s Email systems for purposes of sending defamatory, discriminatory, harassing, or offensive statements/materials/graphics to any Churchill team members or representatives is prohibited and unlawful; violators will be prosecuted. Use of Churchill’s Email systems for purposes of soliciting our Churchill team members and representatives to breach their employment agreements or to interfere with their employment status with Churchill Mortgage is also prohibited.

Churchill Mortgage reserves all rights to our content in our Emails in addition to this Email policy. No part of Churchill Mortgage’s Emails or email policy can be used without the written permission of a representative of Churchill Mortgage’s Chief Compliance Officer.

IRS

Churchill Mortgage disclaims any U.S. federal tax advice contained in or provided through Email (including any attachments). Any reliance upon such tax advice cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party.

Negligence

Churchill Mortgage disclaims all responsibility, including but not limited to negligence or negligent misstatements for accuracy and reliability of data contained in or provided through Email. Churchill makes no warranties, with respect to such data.

Governing Law

In receiving and opening Emails from Churchill Mortgage, you agree to the terms and conditions provided to you by Churchill Mortgage. Any disputes pertaining to Churchill Mortgage Emails will be governed by and in accordance with the laws of the State of Tennessee, without giving effect to conflicts of law. You also agree any actions at law or in equity relating to Churchill Mortgage’s terms and conditions may only be filed in the state or federal courts located in Tennessee.

Opt-outs

Emails from Churchill Mortgage may constitute a marketing advertisement or solicitation under U.S. law if its primary purpose is to market a commercial product or service. If you do not wish to receive marketing messages from Churchill Mortgage at a specific Email address, specify your preference by opting out by clicking on the link provided at the bottom of the Email, or by calling 888-562-6200 to opt out.

Mobile Messaging Policy

Churchill Mortgage Mobile Alerts

Churchill Mortgage mobile/text message alerts provide a secure and easy way to access interest rates and receive promotional and mortgage information from almost any mobile device or cell phone.

Churchill Mortgage mobile/text message alerts are not considered mobile spam. The service is a recurring message program.

Participating Carriers

AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel, U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile, and Cincinnati Bell.

Opt-out of Text Messages

If you wish to stop receiving text messages from us, you may unsubscribe by texting the word STOP to the number you recieved Churchill Mortgage's marketing text messages from. Once your telephone number is removed from the Churchill Mortgage system, you will receive a confirmation message and no further messages will be sent to your cell phone or mobile device.

Can I Opt Back In?

You can start receiving Churchill Mortgage text messages again (after opting out) by texting YES to the number you recieved Churchill Mortgage's marketing text messages from.

Need Help or Additional Information?

You may text the word HELP to the the number you recieved Churchill Mortgage's marketing text messages from for more information.

Stop: You can text STOP to the five-digit U.S. code the number you recieved Churchill Mortgage's marketing text messages from. This will prevent you from receiving any future text message alerts from Churchill Mortgage.

Licenses and Disclosures

Churchill Mortgage is an Equal Housing Lender. We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Churchill Mortgage is a licensed mortgage lender. The following states require disclosure of licensing information that can be found at https://www.churchillmortgage.com/licensing.

Privacy Policy

You can view the Churchill Mortgage privacy policy by https://www.churchillmortgage.com/privacy

Additional Terms

By texting 615-488-4941 you acknowledge and agree to the terms and conditions provided in this policy and fully and unconditionally authorize Churchill Mortgage and our service providers to respond to your mobile device or cell phone, even if you your telephone number is listed on any federal, state or corporate do-not-call registry.

Churchill Mortgage text message alerts are an automated loan alert service and is not intended to be explicated against the Churchill Mortgage as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional pre-qualification, unconditional qualification, unconditional approval (or pre-approval), or any other unconditional offer or agreement to lend. Furthermore, Churchill Mortgage renounces any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy or completeness of data or information contained in or provided through Churchill Mortgage’s mobile/text messaging and makes no warranties (express or implied) with respect to such data or information.

Do not use Churchill Mortgage mobile/text messages to communicate time-sensitive instructions or official company matters. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person.

We may use various technologies (both by auto-dialer or non-auto-dialer) to send mobile/text messages described above to the mobile phone number supplied by you.

Churchill Mortgage reserves the right to block any mobile telephone number and disable Churchill Mortgage text/mobile messaging without any notice.

By using Churchill’s text/mobile messaging service, you agree to the terms stated in this document and by the State of Tennessee, without giving effect to conflicts of law. You also agree that any action at law from your use of Churchill Mortgage text/mobile messaging or relating to these terms and conditions may only be filed only in the state or federal courts located in Tennessee. Consent to these terms is not required as a condition to purchase or refinance a mortgage with Churchill Mortgage.

Complaints

Any Email or mobile messaging complaints should be directed to the Churchill Mortgage Customer Support Team at 888-562-6200 or complaints@churchillmortgage.com.