2824 South Robertson Boulevard
Los Angeles, CA 90034
By using our website, applying for a loan, or otherwise engaging with Equitable Mortgage & Realty Inc dba Equitable Lending, you consent to receive all disclosures, agreements, records, notices, and other communications electronically. These communications may include but are not limited to:
We may provide electronic communications via email, text messages (SMS/MMS), website notifications, and other digital platforms. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.
To access and retain electronic communications, you must have:
You may withdraw your consent to receive electronic communications at any time by contacting us at info@equitablelending.com or calling (877) 885-0111. If you withdraw consent, we may need to communicate with you via paper mail, which may result in service delays. Withdrawal of consent does not affect the legality of any previously received electronic communications.
It is your responsibility to keep your contact details current. You can update your email address, phone number, or mailing address by contacting us at info@equitablelending.com or calling (877) 885-0111.
THIS SECTION CONTAINS IMPORTANT PROVISIONS AFFECTING YOUR LEGAL RIGHTS. BY PROVIDING YOUR PHONE NUMBER AND CLICKING ANY "SUBMIT," "APPLY NOW," "GET STARTED," OR SIMILAR BUTTON ON OUR WEBSITE, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT UNDER THE TELEPHONE CONSUMER PROTECTION ACT (TCPA), 47 U.S.C. § 227, AND ITS IMPLEMENTING REGULATIONS.
By providing your phone number and submitting any form, inquiry, or application on our website, you expressly consent and agree that Equitable Mortgage & Realty Inc dba Equitable Lending, its affiliates, agents, successors, assigns, and service providers may contact you at the telephone number(s) you provide (including any wireless/cellular telephone number) using:
These communications may be for informational, transactional, servicing, marketing, and promotional purposes, including but not limited to: loan application status updates, rate quotes, pre-approval notifications, refinancing opportunities, payment reminders, account servicing messages, customer satisfaction surveys, and offers for products or services that may be of interest to you. You understand and agree that your consent is not a condition of purchasing any property, goods, or services.
IMPORTANT ACKNOWLEDGMENTS:
OPT-OUT / REVOCATION OF CONSENT:
You may revoke your consent to receive calls, texts, and other communications at any time by any of the following methods: (a) replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any SMS/text message you receive from us; (b) calling us at (877) 885-0111; or (c) emailing us at info@equitablelending.com. We will process your opt-out request within a reasonable time, not to exceed 10 business days. Please note that revoking consent for marketing communications does not revoke consent for transactional or servicing communications necessary to process or manage your loan application or account. To revoke consent for all communications, you must explicitly request a full revocation. We may send a one-time confirmation text acknowledging your opt-out request.
For the avoidance of doubt, your TCPA consent applies retroactively to any communications sent prior to your opt-out. Revocation of consent is prospective only and does not affect the legality of communications sent before your opt-out request was processed. You agree to indemnify and hold harmless Equitable Lending, its affiliates, and its service providers from any claim, liability, loss, or damage arising from communications sent to a number you provided after you ceased to be the subscriber or authorized user of that number but failed to notify us of such change. This Section 6 shall survive any termination of your relationship with Equitable Lending.
We comply with all applicable federal and state regulations governing electronic communications and signatures, including but not limited to:
E-SIGN Act
Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.)
UETA
Uniform Electronic Transactions Act (as adopted by applicable states)
TCPA
Telephone Consumer Protection Act (47 U.S.C. § 227)
CAN-SPAM Act
Controlling the Assault of Non-Solicited Pornography And Marketing Act
GLBA / Regulation P
Gramm-Leach-Bliley Act privacy provisions
Regulation B (ECOA)
Equal Credit Opportunity Act — electronic delivery of appraisals and notices
Regulation Z (TILA)
Truth in Lending Act — electronic delivery of loan disclosures
RESPA (Regulation X)
Real Estate Settlement Procedures Act
Under the E-SIGN Act, your electronic signature, acknowledgement, or consent provided through our website or other electronic means is legally binding and has the same force and effect as a handwritten signature on paper. You agree that your electronic signature, consent, or acknowledgement shall be admissible in any legal, administrative, or arbitration proceeding to the same extent and under the same conditions as other business records originated and maintained in documentary form.
YOU ACKNOWLEDGE AND AGREE that by electronically signing, checking a box indicating your consent, or clicking any "I Agree," "Submit," "Apply Now," or similar button: (a) you intend to sign and be legally bound by the relevant agreement, disclosure, or document; (b) you have reviewed and had the opportunity to print or save a copy of such document; (c) you are signing the document voluntarily; and (d) you will not contest the validity or enforceability of such document solely on the basis that it was executed electronically.
We take commercially reasonable administrative, technical, and physical measures to protect the security and confidentiality of electronic communications transmitted through our systems. However:
TIME-SENSITIVE COMMUNICATIONS: Certain communications we send may be time-sensitive, including but not limited to: rate locks, loan commitment expiration dates, closing disclosures with waiting periods, requests for additional documentation, and regulatory notices with statutory deadlines. IT IS YOUR SOLE RESPONSIBILITY TO MONITOR YOUR EMAIL, TEXT MESSAGES, AND OTHER COMMUNICATION CHANNELS FOR SUCH TIME-SENSITIVE COMMUNICATIONS. We are not responsible for any consequences, including but not limited to expired rate locks, missed closing dates, loan denials, or loss of deposit, resulting from your failure to timely receive, review, or respond to any electronic communication from us.
We reserve the right to update, amend, or modify this Electronic Communications Disclosure at any time, with or without prior notice, to reflect changes in our practices, technology, legal obligations, or for any other reason in our sole discretion. When we make material changes, we will:
Your continued use of our website and services after any changes to this disclosure constitutes your acceptance of the revised terms. If you do not agree with the updated disclosure, you must immediately cease using our website and services and withdraw your consent to electronic communications as described in Section 4.
We recommend that you periodically review this disclosure to stay informed of any changes. The version of this disclosure in effect at the time of any communication or transaction shall govern that communication or transaction.
We maintain electronic records of your consent to receive electronic communications and your electronic signatures, including the date, time, IP address, browser information, and the specific consent or document to which you agreed. These records are retained in accordance with our record retention policies and applicable law. You agree that our electronic records of your consent and electronic signatures constitute admissible evidence in any proceeding and are conclusive proof of your consent and agreement, absent manifest error. You waive any objection to the admissibility of such electronic records as evidence.
Any dispute, claim, or controversy arising out of or relating to this Electronic Communications Disclosure, your consent to electronic communications, any electronic signature you provide, or any communication sent to or received from you — including but not limited to claims under the TCPA, E-SIGN Act, UETA, or any state electronic signature or communications law — shall be resolved exclusively through binding individual arbitration in accordance with the dispute resolution provisions set forth in our Terms and Conditions.
This includes, without limitation: claims alleging that you did not consent to electronic communications, claims that your electronic signature is invalid or unenforceable, claims arising under the TCPA for calls or texts, claims related to the delivery or non-delivery of communications, and any claim that this disclosure or our electronic communications practices violate any law.
YOU HEREBY WAIVE YOUR RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING RELATING TO ANY CLAIM ARISING FROM OR RELATED TO THIS ELECTRONIC COMMUNICATIONS DISCLOSURE. YOU FURTHER WAIVE YOUR RIGHT TO A JURY TRIAL. Your use of our website and services constitutes your acknowledgment of and agreement to these dispute resolution provisions. For full details, please refer to our Terms and Conditions.
If you have any questions about this Electronic Communications Disclosure, please contact us at:
