By submitting your information via our lead forms, you provide your express written signature consenting to Loan Factory, Inc. and its affiliates contacting you at the number provided. This contact may include artificial or prerecorded voice AI agents, automated telephone dialing systems, SMS/MMS, or email for marketing and transactional purposes.
Soft Credit Pull: You authorize a soft credit pull to provide an instant mortgage or HELOC quote. This will not affect your credit score. Consent is not a condition of purchase. Message frequency varies (up to 5/week).
Hello and welcome to Loan Factory Terms & Conditions! These Terms & Conditions ("Terms") cover your use of and access to the sites, templates, products, applications, tools and features provided by Loan Factory, Inc.
Make sure your account information is accurate, and you keep your account safe. You're responsible for your account and any activity on it. Also, you need to be at least 18 years old to use Loan Factory.
1.1 Signing Up: To use the Services, you must first create an account (“Account”). You agree to provide us with accurate, complete and updated information.
1.2 Staying Safe: Please safeguard your Account. You're solely responsible for any activity on your Account.
1.3 Eighteen And Older: The Services are not intended for and may not be used by individuals under the age of 18. By using the Services, you represent that you're at least 18.
15.2 Arbitration Agreement: You and Loan Factory agree to resolve any claims through final and binding arbitration and you and Loan Factory expressly waive trial by jury.
15.9 NO CLASS ACTIONS: You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class action.
We do not sell your personal information. We collect data strictly to facilitate your loan request and comply with federal regulations.
| Data Category | Purpose | Retention |
|---|---|---|
| Identifiers (Name, SSN, IP) | Verification & Loan Processing | Active + 7 Years |
| Audio (AI/Voice Recordings) | Compliance & Quality Control | 2 Years |
By providing your phone number, you consent to receive SMS/MMS messages from Loan Factory. Message frequency is approximately 5 messages per week. Text STOP to cancel or HELP for assistance. Carrier rates may apply.
Note: Mobile information will not be shared with third parties for marketing purposes.
You consent to receive all records and disclosures in electronic form. You confirm you have the technical ability to view, download, and store PDF documents and other electronic files provided through the MOSO portal.
Loan Factory utilizes Artificial Intelligence and automated voice agents to assist in processing inquiries. We do not use your personal data to train generalized third-party machine learning models. All AI interactions are logged for compliance with mortgage lending regulations.