If you are lucky enough to find a lender willing to give you a construction loan, be prepared to provide a large amount of documentation. Construction Read More
If you are lucky enough to find a lender willing to give you a construction loan, be prepared to provide a large amount of documentation. Construction Read More
IMPORTANT MORTGAGE DISCLOSURES:
Subprime.com is a website that provides readers valuable information which can help them achieve their financial goals. This service allows consumers to compare lenders and financial products. This site does receive compensation for referrals made through the links provided herein.
Subprime.com is not a lender or a mortgage broker and does not originate any loan product or provide any financial product. It is not affiliated with your current mortgage servicer, FHA, VA, USDA, Fannie Mae, Freddie Mac, or any government agency, nor does it offer or originate mortgage loans.
Subprime.com is not responsible for the accuracy of posted rates, annual percentage rates, or any other loan payment and/or rate details that are provided by lenders, brokers, or advertisers on this site.
© 2018 Subprime.com is not a government agency or an insurance provider.Contact Us
By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service.
This Site provides comparison Services for home goods and Services including but not limited to financial and insurance products. Further, a consumer may subscribe on this Site to receive email communications for additional product information and offers.
The Site and its original content, features and functionality are owned by Upside Holdings, L.L.C. and are protected by all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively “Site/Services Content”).
You may use the Site only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use this Site in any way that violates any applicable federal, state, local, or international law or regulation. It is prohibited to transmit any unlawful material or material that is harmful, harassing, abusive, libelous, racially or ethnically offensive, invasive of another's privacy, vulgar, threatening, obscene, sexually explicit, tortious, defamatory, or that infringes or may infringe on the intellectual property or rights of another. It is prohibited to directly or indirectly interfere, or attempt to interfere with the proper working of this Site/Service or system integrities or securities; interference of any account, or any communication or transaction being conducted on this Site/Service. It is prohibited to use any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission; take any action which imposes an unreasonable or disproportionately large load on our infrastructure; post, upload, transmit, submit, email or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute. It is prohibited to use any manual process to monitor or copy any of the material on this Site or for any other unauthorized purpose without our prior written consent. It is prohibited to fraudulently impersonate yourself as someone else or hide or attempt to hide your identity. It is prohibited to attempt to interfere with the proper working of this Site.
Links To Other Sites
Limitation Of Liability
In no event shall Upside Holdings, nor its subsidiaries, licensors, directors, shareholders, employees, partners, agents, suppliers, or affiliates, be liable for damages, direct or consequential, resulting from your use of the Site, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses, including but not limited to attorney's fees, arising from your violation of any third-party’s rights or any errors, omissions, or other inaccuracies in, or destructive properties of this Site or the Site content.
You agree to indemnify and hold Upside Holdings, its subsidiaries, affiliates, agents, shareholders, officers contractors, vendors, employees, and Service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of this Site/Service, the violation of this Agreement by you, or the infringement by you, or other user of this Site/Service using your computer, of any intellectual property or other right of any person or entity. Upside Holdings and its Service providers assume no responsibility whatsoever for such content or actions. Upside Holdings reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
The content and all Services associated with this Site are provided to you on an “as-is” and “as available” basis. The Site is provided without warranties of any kind, whether express or implied, as to the operation of our Services or the information, content, materials, Services included on or associated with our Services including but not limited to any financial product or lender you may choose. You expressly agree that your use of our Services is at your sole risk.
Upside Holdings, its subsidiaries, affiliates, and its licensors do not warrant that a) the Site will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Site is free of viruses or other harmful components; or d) the results of using the Site will meet your requirements.
You acknowledge and agree that we are not a lender, broker, investor, financial institution, or other Service provider. You acknowledge and agree that we are solely an intermediary between you and such persons or institution and, therefore, we expressly disclaim any and all liability to any content, Services or financial products provided by such parties.
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE UPSIDE HOLDINGS AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS SITE AND SERVICE.
ARBITRATION AGREEMENT AND CLASS ACTION WAIVER
BY ACCESSING AND/OR USING ANY UPSIDE HOLDINGS SITE/SERVICES OR SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE UPSIDE HOLDINGS SERVICES OR SUBMIT ANY CONTACT INFORMATION IF YOU DO NOT AGREE TO THESE TERMS.
THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS. YOU AGREE THAT DISPUTES BETWEEN YOU AND UPSIDE HOLDINGS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND UPSIDE HOLDINGS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A DISPUTE IS ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST UPSIDE HOLDINGS INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.
Review this section carefully. This arbitration provision limits your and Upside Holdings’ ability to litigate claims in court and you and Upside holdings each agree to waive your respective rights to a jury trial or a state or federal judge. You agree that you will not file any lawsuit against us in any state or federal court.
We strive to never have a dispute, but if we do, you and we agree to try for 60 days to resolve it informally. If no resolution results from this informal process, you and we agree to binding individual arbitration before the American Arbitration Association (“AAA”) under the Federal Arbitration Act (“FAA”), and not to sue in court in front of a judge or jury. As an alternative, a neutral arbitrator will decide and the arbitrator’s decision will be final except for a limited right of appeal under the FAA. Class action lawsuits, class wide arbitrations, private attorney-general actions, and any other proceeding where someone acts in a representative capacity aren’t allowed. Nor is combining individual proceedings without the consent of all parties.
You agree that the Arbitrator will have sole and exclusive jurisdiction over any dispute you have with us. The Federal Arbitration Act allows for the enforcement of arbitration agreements and governs the interpretation and enforcement of the agreement to arbitrate.
If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration Agreement shall continue in full force and effect. No waiver of any provision of this Arbitration Agreement will be effective or enforceable unless recorded in a writing signed by the party waiving such a right or requirement. Such a waiver shall not waive or affect any other portion of this Agreement. This Arbitration Agreement will survive the termination of your relationship with Upside holdings.
Changes To This Agreement
We reserve the right to change any content, feature or functions of our Site/Services without prior notice. We may deny you access to the Site/Services for any reason without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate. We are not responsible for any errors or delays in providing the Site/Services whether caused by errors in the registration information you provided by any technical problems in our system.
This platform offers a combination of marketing and technology services which are utilized by small to large brands for marketing purposes, consent management, and client acquisition/retention. This platform/ service is intended for United States residents only.
We are committed to providing users a friendly and safe environment for providing consumer data.
We collect general types of information about you when you visit and use this platform; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information. Depending on what product/service you inquire about, some of the information that may be requested will be identified as mandatory or as voluntary. If you do not wish to provide the mandatory information for a particular product/service, you will not be permitted to submit an inquiry as some information is required to process your requests.
“Personal information” is information that can be used to identify you. It is largely information which you are prompted to provide to us. Such information may include your name, address, telephone number(s), mobile numbers and email address, employment status or self-employment or other unique information about you which you provide to us on this platform, or through the course of communicating with us about the products and services provided on this platform.
“Demographic information” is information that refers to selected population characteristics. Such as zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information.
“Behavioral information” is information which is automatically collected when you use the platform. It includes the areas of the platform that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited. When we can identify you through this information, it is Personal Information.
“Third party information” is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. We have no access or control over these cookies as they are owned by third parties and other tracking devices owned and/or used by third party advertisers and networks. Because we have no ownership or control over these cookies, they are governed by third party polices and their practices. Therefore, we have no responsibility or liability for such third parties or their policies and practices .
No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties.
Information Collected Through Technology
Generally, we, third parties and advertisers place and use tracking technologies on our website. This includes, but is not limited to cookies, web beacons, and java scripts.
Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through this Platform. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the activity on this Platform with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en.
We also use Google Analytics which is an analysis service also provided by Google Inc. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-available at https://tools.google.com/dlpage/gaoptout/.
Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to this Platform to measure and improve the effectiveness of any marketing and track delivery of advertising and other communication methods. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
How We Use and Share Information
The information provided on this platform is used to:
We share your information with companies and individuals employed to perform technical functions on our behalf. For example, third parties who host our website, analyze our data, submissions, provide marketing assistance, process credit cards, or provide customer service. Third parties who provide technology on this site will have your data in order to validate submissions, these technical functions will track and capture the users activities and movements within the inquiry form. These records are shared for a legal purpose, to provide proof of a valid form submission. These records are also used for periodic internal audits to ensure users are provided proper consumer disclosures per Federal and State laws and regulations.
Use of Cross-Device Advertising and Tracking: This platform may collect and use your data for cross-device marketing purposes. This process allows consumers to experience a personalized, informative advertisement that targets specific product interests over multiple devices. The information may also be used for analytics, and reporting purposes such as marketing effectiveness and overall campaign success.
Your information collected on these platforms, websites or applications including your browser or multiple device(s) are combined i.e. Your tablet and cell phone. This allows for delivery of advertisements or informational data to your multiple devices.
This platform may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. To ensure you receive proper notifications, the collection of certain information about your device such as operating system and user identification information is necessary. You may opt-out of push notifications or alerts through your browser settings.
When you submit an inquiry for use of these services, you explicitly authorize us to share your information with our client network, affiliates and/or vendors so that they may contact you via email, SMS, telephone and/or direct mail.
The information you provided will be purchased by the client network, affiliates and/or vendors in order to provide such services.
Specifically, upon submitting your mobile or telephone number , you will give prior expressed written consent to share the information you have provided to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from us and/or our client network, affiliates, and vendors to the phone numbers (including mobile numbers). You provide similar express permission when you provide your email addresses. This consent is not a condition, directly or indirectly of any type of purchase.
The personal information that you provided on this platform will be shared with our network of clients. As a result, we provided your personal and non personal information with these businesses so they may contact you. This will allow for you to compare different services/products and providers prior to purchasing such services/products.
Your information may be shared in order to process Opt-Out requests. If you decide that you are no longer interested in receiving SMS or email communications from us, we may share your information with affiliated partners and/or vendors in order to process and monitor our request.
Legal Compliance/Other Information Disclosure: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates. We may also disclose your information to manage and protect our information technology infrastructure and security.
Acquisition or Merger: We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of such information in a transaction approved by the court.
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Third Party Information/”Do Not Track”
To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our platform. As a result of your visit to our platform, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or http://www.google.com/privacy_ads.html.
Third parties with whom we partner to provide certain features on the platform or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html
Our Platform and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third party websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization.
“Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals.
If you wish to limit the collection of information by us or third party partners to provide you with advertising based upon your website browsing activities and interests, you may click http://preferences-mgr.truste.com to opt out.
To opt out of targeted advertising on your mobile device, iOS users can click here: https://support.apple.com/en-us/HT205223 to learn how to limit ad tracking and Android users can click here: https://support.google.com/ads/answer/2662922?hl=en to learn how to opt out of interest-based ads.
Please note that opting out of interest-based/targeted advertising does not limit all advertising. You will continue to receive generic advertisements.
Privacy Policies of Third Parties
We are not responsible for the policies or practices of third parties.
Editing and Requesting Your Information
We will permit you to change your profile settings. Even after you remove your information from your profile, copies of your information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
For inquiries regarding personal information collected or to correct factual inaccuracies in this information, please email us at: [email protected].
Storage and Security
We will retain personal information, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control.
Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our platform, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
We require that client network, affiliates, and/or vendors handle consumer information under secure confidential conditions.
Notwithstanding such security measures, please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.
Although we have agreements and vetting procedures in place for third parties, We are not responsible for the actions of any third parties that may receive any such information.
You should note that the security of your personal information also depends on you. Please do not communicate any information to us through unsecured channels, such as when you are in public areas. Where we have provided you or you have chosen a password, access code, or similar security feature, you must keep the password, access code or security feature confidential. Please do not share your password with anyone. If you believe your password or account has been compromised, please contact us immediately at [email protected]
Minors and Privacy Issues
Children’s Online Privacy Protection Act- This platform is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at [email protected] If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service.
CALIFORNIA RESIDENTS- Your California Rights
The California Consumer Protection Act has granted specific rights and remedies. To review all California Privacy Rights and Remedies please click here.
For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.
Date last revised: 8/14/2020