Please read these terms and conditions carefully. By accessing this web site and any pages therein, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this web site, or any pages therein. Your use of this website and your transactions conducted with Lower, in connection with this website are subject to the following terms and conditions, also referred to as “terms of use”. Clicking on links within the website or webpages beyond the website’s homepage constitutes your acceptance of and agreement with the terms of use whether or not you complete a transaction with Lower and whether or not you complete your transaction on the website or through other channels, such as by telephone, by email, facsimile or otherwise. If you do not agree to the terms of use, you may not use this website. Please read this agreement carefully.
This website is owned and operated by Lower, 7775 Walton Pkwy STE 400, New Albany, OH 43054
Lower reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.
By accessing or using this website, you agree that:
Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information from other websites, which are not maintained by Lower. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms of use applicable to this website. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or website is not an endorsement of any kind of the service or website, its content or its sponsoring organization.
By using this website, you acknowledge and agree that Lower will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
You acknowledge that certain features of this website, as well other products and services of Lower, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.
You may be required to register an account to access certain features of this website. In doing so, you agree to provide correct, current, and complete information to the best of your ability. If you choose, or are provided with, a username, password, or any other piece of identifying information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this site or portions of it using your username, password or other identifying information. You agree to notify Lower immediately if you believe your username, password, or other identifying information has been lost, stolen or otherwise compromised. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
You acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your username, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your username, password or other identifying information has been lost, stolen or otherwise compromised.
All information and content on this website, except where otherwise stated (including but not limited to all logos, text, graphics, images, video and audio, data compilations, software, and the design, selection and arrangement thereof), are owned by Lower, its affiliates, partners, licensors, or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
“LOWER” and the mark consisting of the name “LOWER” are registered trademarks of Lower. All related names, terms, logos, product and services names, designs, and slogans are trademarks of Lower or its affiliates or licensors. You must not use such marks without the prior written permission of Lower. All other names, logos, product and service names, designs, and slogans on this website are the property of their respective owners.
You acknowledge and agree that you are permitted to view and download the material on this website for your informational or internal business use only. You do not acquire any ownership rights by downloading or viewing any material on this website. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any webpage, or alter the appearance of any materials from this website.
You agree that any testimonials and submissions made to Lower concerning your use of the website or containing any comments, improvements, suggestions, and ideas regarding this website, become irrevocable and permanent property of Lower, and may be used by Lower in any way Lower deems fit, in its sole judgment.
This website, including any content or information contained within it or any website-related service, is provided “as is”. Lower does not warrant the accuracy, adequacy or completeness of this content and information, and expressly disclaims liability for errors or omissions in this content and information. No warranty of any kind, implied, express or statutory, including but not limited to, the warranties of merchantability, title, non-infringement of intellectual property, fitness for any particular purpose and freedom from computer virus, is given in conjunction with the content and information. Lower cannot guarantee uninterrupted service, service at any particular time, or integrity of data, information or content stored or transmitted via the internet. Lower will not be liable for any unauthorized access to, or any corruption, erasure, theft, destruction, alteration or inadvertent disclosure of, data, information or content transmitted, received or stored on its system caused by circumstances outside of Lower’s control. You assume total responsibility and risk for your use of this website, website-related services, and linked websites. Except as specifically provided in this agreement or where the law requires a different standard, Lower is neither responsible nor liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or relating in any way to this website, website-related services, a disruption of website services, content or information contained within this website, and/or any linked website. Your sole remedy for dissatisfaction with this website, website-related services, and/or linked websites is to stop using this website and/or those services.
You acknowledge and agree that Lower may revise, update or otherwise change these Terms of Use at any time without notice to you, at Lower’s sole discretion, and that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, Lower encourages you to refer back often to these Terms of Use. In addition, you acknowledge and agree that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. Your continued use of this website will be deemed acceptance of the most current Terms of Use.
You agree to defend, indemnify, and hold harmless Lower, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, representatives, shareholders, subsidiaries, successors, affiliates, contractors, agents, suppliers, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees and court costs) arising out of or relating to your violation of these Terms of Use and/or your use of this website.
No waiver by Lower of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition, and any failure of Lower to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is found to be void, invalid, illegal or unenforceable for any reason, such provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity or enforceability of such other provisions.
All matters and any dispute or claim relating to this website and these Terms of Use shall be governed by and construed in accordance with the internal laws of Maryland without giving effect to any principle of conflicts of law. Any action at law or in equity shall be brought only in state or federal courts within Howard County or the U.S. District Court for the District of Maryland. You hereby consent and submit to the personal jurisdiction of these courts for the purposes of litigation.
The services offered by Lower and this website are intended for U.S. residents only and only in those states where Lower is duly licensed to originate mortgage loans. This website is not approved for distribution outside of the U.S. and non-U.S. residents should not rely or act upon the information contained within.
To learn about how Lower uses and protects the privacy of its users, please visit: lower.com/legal/privacy-policy
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call 844-645-6937 for details and qualifying information.
© 2024 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
