Web Site Terms and Conditions of Use

1. Terms
By accessing this website, you agree to be bound by this website’s Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

Please note:

1. The numbers used on this website are estimates.
2. Gelt Financial, LLC, and its affiliates have been in business since 1989.
3. All information used is for marketing purposes and should be independently verified and not depended on.
4. Gelt approves and denies mortgage applications based on its own criteria and what it views as risks of repayment and loss of capital. All applications are not approved.

2. Use License
A Permission is granted to temporarily download one copy of the materials (information or software) on Gelt Financial’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:
1. Modify or copy the materials;
2. Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
3. Attempt to decompile or reverse engineer any software contained on Gelt Financial’s web site;
4. Remove any copyright or other proprietary notations from the materials; or
5. Transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Gelt Financial at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer
The materials on Gelt Financial’s web site are provided “as is”. Gelt Financial makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or noninfringement of intellectual property or other violation of rights.
Further, Gelt Financial does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall Gelt Financial or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Gelt Financial’s Internet site, even if Gelt Financial or a Gelt Financial authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on Gelt Financial’s web site could include technical, typographical, or photographic errors. Gelt Financial does not warrant that any of the materials on its web site are accurate, complete, or current. Gelt Financial may make changes to the materials contained on its web site at any time without notice.
Gelt Financial does not, however, make any commitment to update the materials.

6. Links
Gelt Financial has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Gelt Financial of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications
Gelt Financial may revise these terms of use for its web site at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Gelt Financial’s web site shall be governed by the laws of the State of Florida without regard to its conflict of law
provisions.

General Terms and Conditions Applicable to Use of a Website

Privacy Policy
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.
• Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
• We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
• We will only retain personal information as long as necessary for the fulfillment of those purposes.
• We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
• Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
• We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
• We will make readily available to customers information about our policies and practices relating to the management of personal
information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

• Consent: Consent to receive text messages is not a condition of obtaining a loan or any other product or service from Gelt Financial. You may apply for financing without opting in.
• Message frequency: Message frequency varies based on your inquiry and loan activity.
• Fees: Message and data rates may apply. Charges are billed by your mobile carrier. Gelt Financial does not charge for text messages.
• Opting out: You may opt out at any time by replying STOP to any message, or by otherwise clearly communicating your request to stop receiving messages. After you opt out, you will receive one final message confirming your opt-out, and no further messages will be sent. For assistance, reply HELP or call us at 561-221-0900.
• No third-party sharing: Mobile phone numbers and SMS opt-in consent collected through our website will not be shared with, sold to, or transferred to third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding vendors and service providers acting solely on our behalf to deliver messages (such as our SMS platform provider).
• Carriers: Mobile carriers are not liable for delayed or undelivered messages.
• Changes: We may update this SMS policy at any time. Continued participation in the program after changes constitutes acceptance of the revised terms.