PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. ALL USERS OF THIS SITE AGREE THAT ACCESS TO AND USE OF THIS SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS AND OTHER APPLICABLE LAW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, PLEASE DO NOT USE THIS SITE.
This website is owned and operated by BEACON POINT MORTGAGE SOLUTIONS LLC which is referred to below as "BEACON POINT MORTGAGE" or "we" or "us" or "our company."
Solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications,
that transmits any harmful or disabling computer codes or viruses,
that harvests Email addresses from this site,
that transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website,
that interferes with our network services;
that attempts to gain unauthorized access to our network services,
that suggests an express or implied affiliation with BEACON POINT or broker relationship with BEACON POINT (without our express written consent),
that impairs or limits our ability to operate this website or any other person's ability to access and use this website, and/or
that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with Beacon Point as a bona fide client of Beacon Point.
that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
that transmits or uploads any content or images that infringes any third party's intellectual property rights or infringes any third party's right of privacy; or
that unlawfully transmits or uploads any confidential, proprietary or trade secret information.
ACCESS TO THIS WEBSITE
Beacon Point Mortgage Solutions LLC reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.
INTELLECTUAL PROPERTY RIGHTS
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any content on our site. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any web page, or alter the appearance of any of our web content.
You may not use web page content, domain names (in whole or in part), or email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any web page content domain names, email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
in or as any meta-tag or hidden text;
in or as part of any contextual marketing directory, index, or triggering term;
as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company's website or controls the content of any other Internet browser window.
Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, Beacon Point does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that Beacon Point will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links. Beacon Point does not permit third-party advertising on this website. Except with the written permission of Beacon Point, you agree that you will not create links from any website or web pages to our website or any web page within this website.
REVISIONS AND MODIFICATIONS
You understand and acknowledge that Beacon Point controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.
PRIVACY AND SECURITY
All supplied sensitive and credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway provider’s database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. This is important because the information you send on the Internet is passed from computer to computer to get to the destination server. Any computer in between you and the destination server can see your credit card numbers, usernames and passwords, and other sensitive information if it is not encrypted with SSL technology. The encryption renders your sensitive information unreadable to everyone except for the server you are sending the information to. The SSL technology serves to protect you from hackers, impersonators phishing your email, and identity thieves. However, since we cannot control the conduct of criminals and new schemes are developed on a daily basis by criminals to commit such crimes on the Internet, we cannot prevent every and all attempts of breaches of security and therefore stand by our Warranty Disclaimer expressed below as to limitations and disclaimers on security.
You agree to restrain from prohibited actions such as transmitting viruses, worms, defects, Trojan horses, malware, or any other items of a destructive nature. We don’t allow content that harms or interferes with the operation of the networks, servers or other infrastructure of BEACON POINT MORTGAGE SOLUTIONS, carriers, or any third parties. Spam, malicious scripts, and password phishing scams are also prohibited.
USER IDs AND PASSWORDS
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify Beacon Point immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this website, chat or via Email, do not use the website, chat or Email to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, chat or via Email, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by Beacon Point in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with there terms except as be specifically provided for in writing signed by Beacon Point's Loan officer or Broker.
Credit Reports: By applying for credit, you are authorizing Beacon Point to obtain a copy of your credit report. As a result, a "hard" inquiry may appear on your credit report. A hard inquiry may negatively affect your credit score.
E-Signature: General communications through this website, chat or via Email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a "click to accept" button or box is binding upon you.
Recording & Monitoring of Communications: Your communications with us via the website, chat or Email, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
CONTACT METHODS AND OPT-OUT
By submitting your contact request for a loan product, you are consenting to be contacted by one or more Affiliates, including Assurance Legal, LLC, a title company by telephone (on a recorded line), automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the Affiliates and Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an Affiliate or Partner, you agree to notify the Affiliate or Partner directly. You can opt-out of various contact methods by emailing. JenniferBlanc@BeaconPointMortgageSolutions.com.
If you register, enroll, or become a member of our site you will be opted-in to receive email updates from BEACON POINT MORTGAGE SOLUTIONS. You may unsubscribe at any time by clicking on the "Modify your subscription" or "Opt out" link at the bottom of any email sent.
APPLICATION OF ADDITIONAL TERMS
AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which Beacon Point Mortgage may rely.
YOUR COOPERATION NEEDED
Beacon Point Mortgage generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information BEACON POINT MORTGAGE SOLUTIONS, LLC may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Beacon Point Mortgage of any changes in any information submitted in connection with your application.
While Beacon Point Mortgage will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For example Beacon Point Mortgage cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond Beacon Point Mortgage reasonable control.
DEPOSIT / REFUND POLICY
When you submit a loan application, Beacon Point Mortgage will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of Beacon Point Mortgage Solutions' third party costs. Please review your deposit agreement for details specific to your loan application.
DISCLOSURES AND LICENSES
For disclosures and licensing information please visit:
The entire content included in this site or displayed in this site, including but not limited to text, graphics or code is copyrighted as a collective work under the United States and other copyright laws and is the property of BEACON POINT MORTGAGE SOLUTIONS. The collective work includes works that are licensed to BEACON POINT MORTGAGE SOLUTIONS, © copyright 2018, BEACON POINT MORTGAGE SOLUTIONS ALL RIGHTS RESERVED. Any use of this site, including but not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited unless authorized by BEACON POINT MORTGAGE SOLUTIONS. Use of site material. You agree to refrain from duplicating, even in edited form, or reproducing such information and documentation for financial gain without the express consent of BEACON POINT MORTGAGE SOLUTIONS. You further agree that the use of materials, right to download and store or output the materials in our site is granted only for personal use. Any other reproductions, transmissions, performances or displays, or editing of these materials by any means, mechanical or electronic, without the express written permission of use is strictly prohibited.
You agree to refrain from displaying the interior content of our site that is inaccessible to the public without memberships without the express consent of BEACON POINT MORTGAGE SOLUTIONS. You further agree to neither change nor delete any proprietary notices from materials downloaded from the site.
If BEACON POINT MORTGAGE SOLUTIONS discovers any unlawful or prohibitive use of its site or any use for any illegal activity, you will be denied access to the portal. Your account will be terminated. BEACON POINT MORTGAGE SOLUTIONS will take appropriate action including notifying law enforcement authorities where warranted. You also agree that if you witness any person violating these BEACON POINT MORTGAGE SOLUTIONS policies, that you will notify BEACON POINT MORTGAGE SOLUTIONS immediately.
The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on the Beacon Point Mortgage Solutions' website infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on wwwbeaconpointmortgagesolutions.com infringes a copyright, or any valid intellectual property right, please provide the following information to Beacon Points's DMCA Agent.
A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on are intended to be covered by a single notification, a complete list of such works and details or descriptions as to their locations within the Website;
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Please provide this information to Beacon Point Mortgage Solutions’ DMCA Agent, who can be reached as follows:
Beacon Point Mortgage Solutions, LLC.
Attn: Legal Team
6750 N. Andrews Ave.
Fort Lauderdale Florida 33309
Due to IT concerns, attachments cannot be accepted on notices sent via e-mail. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.
Trademarks All trademarks, service marks and trade names of BEACON POINT MORTGAGE SOLUTIONS used in the site may contain trademarks or registered trademarks of BEACON POINT MORTGAGE SOLUTIONS.
These terms and conditions are applicable to you upon your accessing the site and/or completing the registration, enrollment, or shopping process. These terms and conditions, or any part of them, may be terminated by BEACON POINT MORTGAGE SOLUTIONS without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, BEACON POINT MORTGAGE SOLUTIONS, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. BEACON POINT MORTGAGE SOLUTIONS LLC MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. BEACON POINT MORTGAGE SOLUTIONS LLC HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.
YOU ACKNOWLEDGE AND AGREE THAT BEACON POINT IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, BEACON POINT MORTGAGE SOLUTIONS LLC, EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BEACON POINT MORTGAGE SOLUTIONS LLC, MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER'S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT BEACON POINT MORTGAGE SOLUTIONS LLC, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILLBEACON POINT MORTGAGE SOLUTIONS LLC,S BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT BEACON POINT MOTGAGE SOLUTIONS SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL BEACON POINT MORTGAGE SOLUTIONS LLC,'S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.
BEACON POINT MORTGAGE SOLUTIONS may deliver notice to you by means of e-mail, a general notice on the site, or by other reliable method to the address you have provided to www.beaconpointmortgagesolutions.com.
USE OF THIS SITE
Harassment in any manner or form on the site, including via e-mail, chat, by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including a BEACON POINT MORTGAGE SOLUTIONS or other licensed employee, host, or representative, as well as other members or visitors on the site is prohibited.
Only true verifiable perspective borrowers are permitted to register any property on our site. If you are nota perspective borrower or client, you are not permitted to register or become a member on this site.
You may not upload to, distribute, or otherwise publish through the site any content, which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable to a reasonable person, which may constitute or encourage a criminal offense. You shall not violate the rights of any party which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organization.
You agree to indemnify, defend, and hold harmless BEACON POINT MORTGAGE SOLUTIONS, its officers, directors, employees, agents, licensors and suppliers (collectively the "Service Providers") from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account.
Your use of this site shall be governed in all respects by the Florida Law and federal law governing the conduct of mortgage brokers. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the purchase of BEACON POINT MORTGAGE SOLUTIONS products or services) shall be in Florida, USA.
BEACON POINT MORTGAGE SOLUTIONS's failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right.
Neither the course of conduct between you and Beacon Point Mortgage Solutions, LLC shall act to modify any of these terms and conditions. BEACON POINT MORTGAGE SOLUTIONS may assign its rights and duties under this Agreement to any party at any time without notice to you.