Last Updated: 09/01/2024
1. Introduction
Welcome to GoSuite (hereinafter referred to as "client Portal", "the portal", "Our portal", "portal", "Platform", "the Platform", "our Platform", or "Service"). This Service is provided by Go Loan Go, LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our Service, including any content, functionality, and services offered on or through the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you must not access or use the Service.
2. Definitions
- "User", "you", or "your" refers to any individual or entity accessing or using the Service.
- "Content" refers to any information, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials.
- "Loan Application" refers to any request for a mortgage loan submitted through the Service.
3. Eligibility and Account Registration
3.1. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
3.2. To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information promptly to keep it accurate, current, and complete. You are solely responsible for maintaining the confidentiality of your account and password and for restricting access to your account.
4. Use of the Service
4.1. Permitted Uses: You may use the Service solely for lawful purposes and in accordance with these Terms. You agree not to use the Service:
- In any way that violates any applicable federal, state, local, or international law or regulation.
- To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm the Company or users of the Service or expose them to liability.
4.2. Prohibited Uses: You agree not to:
- Use the Service in any manner that could disable, overburden, damage, or impair the Service or interfere with any other party's use of the Service.
- Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Service.
- Use any manual process to monitor or copy any of the material on the Service or for any other unauthorized purpose without our prior written consent.
- Use any device, software, or routine that interferes with the proper working of the Service.
- Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service.
5. Compliance with Mortgage Regulations
5.1. The Service and its offerings comply with all applicable federal and state mortgage regulations, including but not limited to:
- Real Estate Settlement Procedures Act (RESPA)
- Truth in Lending Act (TILA)
- Equal Credit Opportunity Act (ECOA)
- Fair Housing Act (FHA)
- Home Mortgage Disclosure Act (HMDA)
- Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
- Dodd-Frank Wall Street Reform and Consumer Protection Act
- Gramm-Leach-Bliley Act (GLBA)
5.2. Users agree to adhere to these regulations when using the Service and acknowledge that any violation may result in immediate termination of access to the Service and potential legal consequences.
6. Fair Lending Practices
6.1. We are committed to fair lending practices and adhere to laws that prevent discrimination in lending. Our policies ensure fair treatment and transparency in all mortgage-related transactions, regardless of race, color, religion, national origin, sex, marital status, age, receipt of public assistance income, or good faith exercise of rights under the Consumer Credit Protection Act.
6.2. Users agree to comply with all applicable fair lending laws and regulations, including but not limited to the Fair Housing Act and the Equal Credit Opportunity Act.
7. Mortgage Servicing Rules
7.1. The Service provides detailed terms related to mortgage servicing, including payment processing, error resolution procedures, and loss mitigation options. Users must comply with these terms as outlined under Regulation X and Z.
7.2. Users acknowledge that failure to comply with these rules may result in regulatory penalties and legal action.
8. Privacy and Data Protection
8.1. We respect your privacy and are committed to protecting it. Our Privacy Policy, available at https://www.goloan.pro/private-policy, describes our practices regarding the collection, use, and disclosure of your personal information.
8.2. You agree that we may use personal information provided by you in accordance with our Privacy Policy and applicable laws, including the Gramm-Leach-Bliley Act (GLBA).
8.3. We collect various types of information, including:
- Personal information you provide when submitting a loan application or creating an account
- Information about your property and financial situation
- Information from third parties, such as credit reporting agencies
- Technical information about your device and internet connection
8.4. We use this information to:
- Process and evaluate your loan application
- Provide customer service and support
- Improve our products and services
- Comply with legal and regulatory requirements
8.5. We may share your information with:
- Service providers who assist us in our business operations
- Financial institutions and investors as part of the loan process
- Government agencies for regulatory compliance
- Other parties with your consent or as required by law
9. Intellectual Property Rights
9.1. The Service and its entire contents, features, and functionality are owned by the Company, its 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.
9.2. These Terms permit you to use the Service for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service, except as expressly permitted.
10. User Contributions
10.1. The Service may contain interactive features that allow users to post, submit, publish, display, or transmit content or materials ("User Contributions") on or through the Service.
10.2. All User Contributions must comply with the Content Standards set out in these Terms.
10.3. Any User Contribution you post to the Service will be considered non-confidential and non-proprietary. By providing any User Contribution on the Service, you grant us and our affiliates and service providers the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose related to our business operations.
11. Disclaimer of Warranties
11.1. YOUR USE OF THE SERVICE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICE IS AT YOUR OWN RISK. THE SERVICE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
11.2. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICE.
12. Limitation on Liability
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
13. Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.
14. Governing Law and Jurisdiction
14.1. These Terms and any dispute or claim arising out of or related to them shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to any choice or conflict of law provision or rule.
14.2. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Service shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Pennsylvania.
15. Changes to the Terms
15.1. We reserve the right to update these Terms at any time. Users will be notified of any changes through the Service or via email. Continued use of the Service constitutes acceptance of the updated Terms.
16. Contact Information
For questions or concerns regarding these Terms or the Service, please contact:
Eassa Ayoub
Broker/Owner
ayoub@goloan.pro
(215) 375-7790
ATTN: Go Loan Go
818 Windermere Ave. Drexel Hill, PA 19026
By using the Service, you acknowledge that you have read and understood these Terms and agree to be bound by them.
---
This expanded Terms of Service incorporates elements from your privacy policy and provides more detailed information about compliance with mortgage regulations, fair lending practices, and data protection. It's designed to be comprehensive and legally sound for the mortgage industry. However, as always, it's recommended to have this document reviewed by a legal professional specializing in mortgage law to ensure it fully meets all specific requirements for your business and jurisdiction.
Citations:
[1] https://www.goloan.pro/private-policy