Terms of Service
Last updated: March 1, 2025
Introduction
These Terms of Service ("Terms") govern your access to and use of the Cedar Home Loans website and services. By accessing or using our services, you agree to be bound by these Terms.
Use of Services
You may use our services only as permitted by law and these Terms. 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.
Privacy
Our Privacy Policy explains how we treat your personal data and protect your privacy when you use our services.
SMS/Text Messaging Terms
Cedar Home Loans offers a text messaging program that sends account notifications, application status updates, appointment reminders, and customer care messages to users who opt in through our website forms. By opting in, you agree to the following:
- Message frequency: Message frequency varies based on your application activity and preferences.
- Costs: Message and data rates may apply. Contact your mobile carrier for details about your messaging plan.
- Opt-out: You can cancel the SMS service at any time by replying STOP to any message. After you send STOP, we will send a one-time confirmation message and you will no longer receive SMS messages from us. To rejoin, sign up again through our website or reply START.
- Help: If you experience issues with the messaging program, reply HELP to any message or contact us at privacy@cedarhomeloan.com.
- Carriers: Carriers are not liable for delayed or undelivered messages.
- Consent: Consent to receive text messages is not a condition of obtaining any goods or services.
- Privacy: See our Privacy Policy for how we handle your information. Text messaging originator opt-in data and consent will not be shared with any third parties.
Content and Intellectual Property
The content, design, and layout of our website are protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our services or included software.
Mortgage Information
The mortgage information provided on our website is for informational purposes only and does not constitute an offer or commitment to lend. All loans are subject to credit approval and property approval.
Disclaimer of Warranties
Our services are provided "as is" without any warranties, either express or implied. Cedar Home Loans does not warrant that our services will be error-free or uninterrupted.
Limitation of Liability
Cedar Home Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.
Changes to These Terms
We may revise these Terms from time to time. The most current version will always be on this page. If the revision, in our sole discretion, is material, we will notify you through our website or via email.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions.
Contact Us
If you have any questions about these Terms, please contact us at legal@cedarhomeloan.com.