Last updated March 23, 2017
Thanks for using our website ("Site"). The Site and information on the website is provide by American Heritage Capital, LP dba Lendova located at 4100 Spring Valley Rd. Dallas, TX. 75244 USA.
Please read this agreement ("Agreement") carefully before accessing or using this web site ("Lendova"). By accessing or using the Site, you agree to be bound by this Agreement. Lendova and its suppliers provide the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site constitutes your agreement to all such terms, conditions and notices.
The information and services offered on this Site are provided with the understanding that neither Lendova, nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site. Lendova and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. While Lendova and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, Lendova, and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
Our Services are very diverse, so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your agreement with us if you use those Services.
You must follow any policies made available to you within the Services.
Don’t misuse our Services. For example, don’t interfere with our Services or try to access them using a method other than the interface and the instructions that we provide. You may use our Services only as permitted by law, including applicable export and re-export control laws and regulations. We may suspend or stop providing our Services to you if you do not comply with our terms or policies or if we are investigating suspected misconduct.
Appraisal report is required for most loan applications. Company processes loan applications, and, as a result, will order an appraisal report.
Appraisal report deposit is collected in advance for the purpose of securing payment for the Appraiser. Appraisal report will not be ordered unless an appraisal report deposit is paid by the borrower.
Appraisal report deposit is generally non-refundable. Estimated cost of the appraisal report and appraisal review costs are disclosed to you on the third party & processing fee authorization document. Appraisal report will be ordered after you intend to proceed with your loan application. Appraisal deposit is non-refundable even if you cancel / withdraw your loan application, or your loan application is denied for any reason.
Credit Report is needed for loan applications in order to evaluate borrower(s) credit worthiness. Loan applications are processed using information provided by three credit bureaus. Equifax, Trans Union and Experian.
Credit Reports are ordered and procured by Credit Reporting Agencies, namely, Credit Link, LLC and Credit Plus.
Credit Report fee is charged and collected directly by the Credit Reporting Agencies and is non-refundable. Credit Report will only be ordered with your authorization and consent which can be given verbally or electronically. Company requires Social Security Number and Date of Birth in order to obtain the credit report. Your verbal consent is deemed obtained if you disclose your social security number and your date of birth.
Credit Report, once ordered, cannot be cancelled. Any fees and/or charges in connection with the ordering of the credit report is therefore non-refundable.
You may access, download and print materials on this Site for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information. If and when requested by Lendova, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Lendova, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Lendova and, its affiliates or its suppliers. ©Copyright Lendova, 2002-2008. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of Lendova and, its affiliates or its suppliers. ©Copyright Lendova.
As a condition of your use of this website, you warrant to Lendova Home Loans, that you will not use this website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the website automatically terminates.
Information provided by this website or collected through this website is sole property of Lendova Home Loans and is solely intended for customers or potential customers of Lendova Home Loans. You may not obtain information from this website for any other purpose other than for the bona fide purpose of obtaining information about our products and services for your personal financing needs.
You may not submit information through this website that is knowingly false or misleading. You may not use this website that could interfere, damage, disable, website features and functionality or website usage. You may not use this website that negatively interferes with Lendova Home Loan's operation or unduly burden company's human and technology resources. You may not obtain any information that is not intended to be made available through this website.
You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment or data, neither Lendova, nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Lendova, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL Lendova, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF Lendova, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless Lendova, its affiliates and suppliers from any liability, loss, claim and expense (including attorney's reasonable fees) related to your violation of this Agreement.
Lendova may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older located within the United States of America. Access and use of this website by persons under the age of 18 or from locations other than the United States is prohibited. This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of Texas without giving effect to any principles of conflicts of law. Failure by Lendova, or its affiliates to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Lendova, and/or its affiliates and you related to this Agreement shall be brought exclusively in federal district court. Lendova™ logos, product and service names are trademarks owned by and licensed to Lendova, or its affiliates (the "Marks"). Without the prior written permission of Lendova or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.