Terms and Conditions

Effective Date: 05/09/2025

Welcome to Equitable Lending. By accessing our website, submitting your information, or using our services, you agree to comply with and be bound by the following Terms and Conditions, which govern your relationship with Equitable Lending.

Please read the following terms carefully. If you do not agree with any part of these terms, you should not use our website or services.

1. Compliance with Federal and State Laws

Equitable Lending operates in full compliance with all applicable federal and state laws, including but not limited to:

• Truth in Lending Act (TILA)

• Real Estate Settlement Procedures Act (RESPA)

• Equal Credit Opportunity Act (ECOA)

• Gramm-Leach-Bliley Act (GLBA)

• Fair Credit Reporting Act (FCRA)

• California Consumer Privacy Act (CCPA) (if applicable)

• Telephone Consumer Protection Act (TCPA)

• Other applicable mortgage lending laws and financial regulations

We take legal compliance seriously and continuously monitor applicable laws to ensure our practices remain in full alignment with all regulatory requirements.

2. Use of Website and Services

By using this website, you acknowledge and agree:

• You are at least 18 years of age or the age of majority in your jurisdiction.

• All information you provide is truthful and accurate to the best of your knowledge.

• You will not use our services for fraudulent, illegal, or unauthorized purposes.

• You understand that mortgage terms, rates, and conditions may change at any time without notice.

• All products and services are subject to credit approval and applicable underwriting standards.

3. No Guarantee of Loan Approval

Submitting an inquiry or application through our website does not guarantee loan approval. Loan terms, rates, and eligibility are subject to credit history, documentation, property type, market conditions, and underwriting approval. Equitable Lending reserves the right to deny or cancel any application at its sole discretion.

4. TCPA Consent and Communication Disclaimer

By submitting your information on our website or contacting Equitable Lending, you provide express written consent under the Telephone Consumer Protection Act (TCPA) and related state laws for Equitable Lending and its authorized agents or affiliates to contact you via:

• Telephone calls (including use of auto-dialers or prerecorded messages)

• Text messages (SMS/MMS)

• Email

even if your telephone number is listed on a state, federal, or corporate Do Not Call (DNC) registry.

You may withdraw your consent at any time by calling us at (877) 885-0111 or emailing support@equitableusa.com.

Equitable Lending does not engage in the sale, rental, or unauthorized transfer of your contact information. We take measures to ensure compliance with TCPA and all telemarketing and electronic communication laws.

5. Intellectual Property

All website content, including logos, text, graphics, software, trademarks, and design elements, are the intellectual property of Equitable Lending or its content providers and are protected under U.S. and international copyright and trademark laws.

You may not reproduce, modify, distribute, or use our content for any commercial purpose without prior written permission.

6. Third-Party Links and Resources

This website may contain links to third-party sites or services. Equitable Lending is not responsible for the content, privacy practices, or accuracy of third-party sites. Use of such links is at your own discretion and risk.

7. Disclaimer of Warranties

All services and content are provided "as is" and "as available" without warranty of any kind, either express or implied, including but not limited to warranties of:

• Merchantability

• Fitness for a particular purpose

• Accuracy or reliability of results

• Non-infringement

We do not warrant that the website or its content will be error-free, secure, or continuously available.

8. Limitation of Liability

To the fullest extent permitted by law, Equitable Lending shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages arising out of or relating to your use of, or inability to use, our website or services — even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Equitable Lending, its officers, employees, affiliates, agents, and partners from any claim, liability, loss, damages, expenses, or legal fees resulting from:

• Your violation of these Terms

• Your use or misuse of our services

• Your violation of any applicable law or regulation

10. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of the State of California, without regard to conflict of law principles. Any legal action or proceeding shall be brought in a state or federal court located in Los Angeles County, California.

If any part of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

11. Changes to These Terms

Equitable Lending reserves the right to update or modify these Terms and Conditions at any time. Any changes will become effective upon posting on this page. Your continued use of the site and our services constitutes acceptance of any modified terms.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Equitable Lending
Phone: (877) 885-0111
Email: support@equitableusa.com
Fax: (877) 499-3992
Address: 2824 South Robertson Boulevard, Los Angeles, CA 90034