Terms of Use

Churchill Mortgage Terms of Use

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 TERMS OF USE.

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 Use.

2. You transact business with us if you are at least 18 years old.

3. You will comply with and be bound by these Terms of Use as they appear on our website every time you use our website.

4. Each time you use Churchill’s website, you indicate and confirm your consent to be bound by our Terms of Use.

5. These “Terms of Use” are a legally binding agreement between you and 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) that:

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 Mortgage.
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 or images.
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 affiliates.
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 intellectual property.

Terms of Use Revisions

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 by the requirements of these “Terms of Use” as they appear on our website at the time you access this website. Because these “Terms of Use” may change, you are encouraged to refer to our “Terms of Use” regularly. In 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 changes to the “Terms of Use” should not be changed by contract unless 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 Mortgage Inc.

“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 owners.

Webpage Content: You agree:

· 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 marks.

· 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 terms.

· 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.

Submissions: 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 “Terms of Use” are later modified or eliminated. This means you will 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.

Testimonials: You recognize and agree all testimonials submitted to Churchill Mortgage will become and remain our exclusive property, even if the requirements of these “Terms of Use” are later changed or eliminated. This means that you 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.

Links: 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.

Our Location

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: https://www.churchillmortgage.com/Privacy

Indemnification

If you have unauthorized use of the Churchill Mortgage website or violate our “Terms of Use” (1.) You could be in violation of copyright and other 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 violation of or failure to comply with Churchill’s “Terms of Use.”

Disclaimers

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.

Liability Limitations

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 visit: https://www.churchillmortgage.com/Support/email-and-mobile-policy

Timely Instructions: 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 Churchill Mortgage.

Credit Reports: 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.

E-Sign: 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 here: optout@churchillmortgage.com 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 disclaimers as well as to our “Terms of Use”, you agree your use of these products and services will be subject to such additional terms, conditions, and disclaimers.

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.

Application Process

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 process.

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.

Reasonable Control

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

You agree these “Terms of Use” will be governed by and understood to be in 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 arising out of or relating to these “Terms of Use” or the use of the 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.

Separation Notice

You agree that if any resource of these “Terms of Use” shall be found to be unlawful or void, or for any reason unenforceable, then that particular resource will be deemed severable from the other resources available in our “Terms of Use” and should not affect the validity and enforceability of other resources available.

Churchill Mortgage Licensing and Disclosures

For disclosures and licensing information please visit: https://www.churchillmortgage.com/Support/Licensing

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, etc.)

Send the above information to Churchill Mortgage, who can be reached as follows:

By Mail:
Churchill Mortgage Inc.
Attn: Compliance Dept.
761 Old Hickory Blvd.
Brentwood, TN 37027

By Email:
compliance@churchillmortgage.com

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 processed.

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:

Churchill Mortgage
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