Terms and Conditions
Welcome to Kristi Olson Loans and Real Estate. Before you proceed, please carefully read and understand the following Terms of Service ("Terms") that govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
1. Introduction
1.1 Kristi Olson Loans and Real Estate ("we," "us," or "our") operates as a loan originator, providing information and connecting users with potential lenders to facilitate loan transactions.
2. Eligibility
2.1 By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.
3. Services
3.1 Kristi Olson Loans and Real Estate provides loan originator services, including but not limited to, offering information about loan products, facilitating connections between borrowers and lenders, and assisting with the loan application process.
3.2 We do not guarantee loan approval, and the final decision rests with the lending institutions.
4. User Responsibilities
4.1 You are responsible for providing accurate and truthful information during the loan application process.
4.2 You agree to promptly respond to requests for additional information from lenders or Kristi Olson Loans and Real Estate.
5. Confidentiality and Data Protection
5.1 Kristi Olson Loans and Real Estate is committed to protecting your privacy. We do not send or sell your information to third parties without your explicit consent.
5.2 Please refer to our Privacy Policy for details on how we collect, use, and protect your personal information.
6. Fees and Payments
6.1 Kristi Olson Loans and Real Estate may charge fees for its services, as disclosed in the fee schedule provided to you.
6.2 Payment terms will be outlined in the fee schedule, and failure to make timely payments may result in the suspension or termination of services.
7. Termination
7.1 Either party may terminate the services at any time for any reason.
7.2 Upon termination, any outstanding fees or obligations must be settled.
8. Limitation of Liability
8.1 Kristi Olson Loans and Real Estate shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our services.
9. Indemnification
9.1 You agree to indemnify and hold Kristi Olson Loans and Real Estate harmless from any claims, losses, or damages arising out of your use of our services or violation of these Terms.
10.Changes to Terms
10.1 Kristi Olson Loans and Real Estate reserves the right to update or modify these Terms at any time without prior notice. It is your responsibility to review these Terms periodically.
11.Governing Law
11.1 These Terms shall be governed by and construed in accordance with the laws. By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Privacy Policy
Information We Collect
1.1 Personal Information: We may collect personal information, including but not limited to, your name, contact details, financial information, and other details necessary for loan origination.
1.2 Device Information: We may collect information about the device you use to access our website, including IP address, browser type, and operating system.
1.3 Cookies: We use cookies to enhance your experience on our website. You can manage cookie preferences through your browser settings How We Use Your Information
2.1 Loan Processing: We use your information to facilitate loan transactions, including connecting you with potential lenders and assisting with the application process.
2.2 Communication: We may use your contact information to communicate with you about your loan application, updates, and relevant information.
2.3 Analytics: We use aggregated and anonymized data for website analytics to improve our services and user experience.Sharing Your Information
3.1 Third-Party Lenders: With your explicit consent, we may share your information with third-party lenders to facilitate the loan application process.
3.2 Service Providers: We may engage third-party service providers to assist us in providing and improving our services. These providers are bound by confidentiality agreements and do not have the right to use your information for any purpose other than assisting us.
3.3 Legal Compliance: We may disclose your information as required by law or in response to legal requests.Your Choices and Controls
4.1 Opt-Out: You have the right to opt-out of receiving marketing communications from us. You can do so by following the instructions in the communication or contacting us directly.
4.2 Access and Correction: You can request access to and correction of your personal information by contacting us at [email protected]
5.1 We take reasonable measures to protect your information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.Children's Privacy
6.1 Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.Changes to this Privacy Policy
7.1 We reserve the right to update or modify this Privacy Policy at any time. The latest version will be posted on our website with the effective date. Contact Us
8.1 If you have any questions, concerns, or requests regarding your privacy, please contact us at [email protected].
By using our website, you consent to the terms of this Privacy Policy and Terms of Service. If you do not agree with the terms of this policy, please do not use our website or services.
Kristi Olson Loans and Real Estate
141 N 6th St , Show Low AZ 85901
(623) 294-6828