BIRCH MORTGAGE LLC DISCLOSURES AND LICENSING

 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning Birch Mortgage LLC is the Federal Trade Commission, Equal Credit Opportunity Act, 600 Pennsylvania Ave, Washington, DC 20580.

 

Birch Mortgage LLC, 45 N Broad Street, Ridgewood, NJ 07450, NMLS # 1537104, Licensed Mortgage Broker, New Jersey Department of Banking & Insurance.  Under NJ Administrative Code § 3:1-16.10, the borrower is advised that no broker may execute a lock-in agreement, issue a commitment, guarantee acceptance into any particular loan program or promise any specific loan or conditions.

 

Birch Mortgage LLC Website Privacy Policy

 

Protecting your private information is our priority. This Statement of Privacy applies to the www.birchmortgage.com and Birch Mortgage LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Birch Mortgage LLC include www.birchmortgage.com. The Birch Mortgage LLC website is a Mortgage Services site. By using the Birch Mortgage LLC website, you consent to the data practices described in this statement.

 

Collection of your Personal Information

Birch Mortgage LLC may collect personally identifiable information, such as your name. Birch Mortgage LLC may also collect anonymous demographic information, which is not unique to you, such as your age, gender, household income, race and Your Mortgage Application. We may gather additional personal or non-personal information in the future.

 

Information about your computer hardware and software may be automatically collected by Birch Mortgage LLC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Birch Mortgage LLC website.

 

Birch Mortgage LLC encourages you to review the privacy statements of websites you choose to link to from Birch Mortgage LLC so that you can understand how those websites collect, use and share your information. Birch Mortgage LLC is not responsible for the privacy statements or other content on websites outside of the Birch Mortgage LLC website.

 

Use of your Personal Information

Birch Mortgage LLC collects and uses your personal information to operate its website(s) and deliver the services you have requested.

 

Birch Mortgage LLC may also use your personally identifiable information to inform you of other products or services available from Birch Mortgage LLC and its affiliates. Birch Mortgage LLC may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

 

Birch Mortgage LLC does not sell, rent or lease its customer lists to third parties.

 

Birch Mortgage LLC may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Birch Mortgage LLC, and they are required to maintain the confidentiality of your information.

 

Birch Mortgage LLC may keep track of the websites and pages our users visit within Birch Mortgage LLC, in order to determine what Birch Mortgage LLC services are the most popular. This data is used to deliver customized content and advertising within Birch Mortgage LLC to customers whose behavior indicates that they are interested in a particular subject area.

 

Birch Mortgage LLC will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Birch Mortgage LLC or the site; (b) protect and defend the rights or property of Birch Mortgage LLC; and, (c) act under exigent circumstances to protect the personal safety of users of Birch Mortgage LLC, or the public.

 

Use of Cookies

The Birch Mortgage LLC website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

 

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Birch Mortgage LLC pages, or register with Birch Mortgage LLC site or services, a cookie helps Birch Mortgage LLC to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Birch Mortgage LLC website, the information you previously provided can be retrieved, so you can easily use the Birch Mortgage LLC features that you customized.

 

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Birch Mortgage LLC services or websites you visit.

 

Security of your Personal Information

 

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

 

 

Children Under Thirteen

Birch Mortgage LLC does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

 

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Birch Mortgage LLC by contacting us here:

- Email: hello@birchmortgage.com

- Phone: 201-473-4500

 

Changes to this Statement

Birch Mortgage LLC will occasionally update this Statement of Privacy to reflect company and customer feedback. Birch Mortgage LLC encourages you to periodically review this Statement to be informed of how Birch Mortgage LLC is protecting your information.

 

Contact Information

Birch Mortgage LLC welcomes your questions or comments regarding this Statement of Privacy. If you believe that Birch Mortgage LLC has not adhered to this Statement, please contact Birch Mortgage LLC at:

 

Birch Mortgage LLC

45 North Broad Street

Ridgewood, New Jersey 07450

 

Email Address:

hello@birchmortgage.com

 

Telephone number:

201-473-4500

 

Effective as of January 31, 2017

 

Birch Mortgage LLC Website Terms and Conditions

 

Agreement between user and www.birchmortgage.com

Welcome to www.birchmortgage.com. The www.birchmortgage.com website (the "Site") is comprised of various web pages operated by Birch Mortgage LLC ("Birch Mortgage LLC"). www.birchmortgage.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.birchmortgage.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

 

www.birchmortgage.com is a Mortgage Services Site

Mortgage Services

 

Privacy

Your use of www.birchmortgage.com is subject to Birch Mortgage LLC's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

 

Electronic Communications

Visiting www.birchmortgage.com or sending emails to Birch Mortgage LLC constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

 

Birch Mortgage LLC does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.birchmortgage.com only with permission of a parent or guardian.

 

Links to third party sites/Third party services

www.birchmortgage.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Birch Mortgage LLC and Birch Mortgage LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Birch Mortgage LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Birch Mortgage LLC of the site or any association with its operators.

 

Certain services made available via www.birchmortgage.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.birchmortgage.com domain, you hereby acknowledge and consent that Birch Mortgage LLC may share such information and data with any third party with whom Birch Mortgage LLC has a contractual relationship to provide the requested product, service or functionality on behalf of www.birchmortgage.com users and customers.

 

No unlawful or prohibited use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.birchmortgage.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Birch Mortgage LLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

 

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Birch Mortgage LLC or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

 

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Birch Mortgage LLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Birch Mortgage LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Birch Mortgage LLC or our licensors except as expressly authorized by these Terms.

 

Third Party Accounts

You will be able to connect your Birch Mortgage LLC account to third party accounts. By connecting your Birch Mortgage LLC account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.

 

International Users

The Service is controlled, operated and administered by Birch Mortgage LLC from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Birch Mortgage LLC Content accessed through www.birchmortgage.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

 

Indemnification

You agree to indemnify, defend and hold harmless Birch Mortgage LLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Birch Mortgage LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Birch Mortgage LLC in asserting any available defenses.

 

Liability disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. BIRCH MORTGAGE LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

 

BIRCH MORTGAGE LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. BIRCH MORTGAGE LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

 

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BIRCH MORTGAGE LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BIRCH MORTGAGE LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

 

Termination/access restriction

Birch Mortgage LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New Jersey and you hereby consent to the exclusive jurisdiction and venue of courts in New Jersey in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

 

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Birch Mortgage LLC as a result of this agreement or use of the Site. Birch Mortgage LLC's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Birch Mortgage LLC's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Birch Mortgage LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

 

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Birch Mortgage LLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Birch Mortgage LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

 

Changes to Terms

Birch Mortgage LLC reserves the right, in its sole discretion, to change the Terms under which www.birchmortgage.com is offered. The most current version of the Terms will supersede all previous versions. Birch Mortgage LLC encourages you to periodically review the Terms to stay informed of our updates.

 

Contact Us

Birch Mortgage LLC welcomes your questions or comments regarding the Terms:

 

Birch Mortgage LLC

45 North Broad Street

Ridgewood, New Jersey 07450

 

 

Email Address:

hello@birchmortgage.com

 

Telephone number:

201-473-4500

 

Effective as of January 31, 2017