Please read these TERMS AND CONDITIONS OF USE carefully. By using LowRates.com website or a related website belonging to Sun West Mortgage Company, Inc. (NMLS ID 3277) or one of its subsidiaries, you hereby agree to these TERMS AND CONDITIONS OF USE. If you do not agree to these TERMS AND CONDITIONS OF USE, please do not use this site.

LowRates.com by Sun West Mortgage Company, Inc. (NMLS ID 3277) reserves the right at its discretion to change these TERMS AND CONDITIONS OF USE at any time without notice. Your continued use of this website after the change of TERMS AND CONDITIONS OF USE shall constitute your acceptance to agree to any such changes.

COPYRIGHT: All information displayed, transmitted or carried on the Site (including, but not limited to, text, photographs, news articles, opinions, reviews, trademarks, service marks and the like, collectively the “Content”) is protected by international copyright and other intellectual property laws. The Content is owned by LowRates.com, its affiliates or third party licensors. Any use of the Content, including but not limited to, modification, distribution, reproduction, republication, transmission, posting, reposting, transfer, uploading, duplication or selling without the prior written permission of LowRates.com is strictly prohibited. You may make a single copy of the Content displayed on the Site for your personal, informational, noncommercial offline use only, provided the Content is not modified in any way and all copyright and other notice on any copy are retained. The use of any such Content on any other website or network computer environment is prohibited.

DISCLAIMER: LowRates.com disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability or fitness for a particular purpose. LowRates.com does not represent or warrant that materials on the Site are accurate, complete, reliable, current, or error-free. LowRates.com does not represent or warrant that the Site or its server(s) are free of viruses or other harmful components.

LIMITATION OF LIABILITY: In no event shall LowRates.com or its affiliates, licensors, employees, agents or contractors be liable to you for any damages or losses, including but not limited to, direct, indirect, special, consequential, incidental or punitive damages resulting from or caused by the Site, its public posting web boards, its content or any errors or omissions in its content, even if advised of possibility of such damages.

HYPERLINKS: As a service to users of the Site, we include links to other sites and LowRates.com has no control over and makes no representations of any kind regarding the content or appropriateness of content on such sites, and you hereby irrevocably waive any claim against LowRates.com with respect to such sites.

SUBMISSIONS: You acknowledge that by submitting messages or materials, including but not limited to, posting or email, to LowRates.com, you automatically grant LowRates.com a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials or incorporate such materials into any form.

TERMINATION: LowRates.com may, in its sole discretion, terminate, cancel or suspend your right to access to all or part of the service at the Site for any reason, at any time without notice. Upon termination, you must destroy all materials obtained from the Site, and all copies thereof, whether made under this TERMS AND CONDITIONS OF USE or otherwise.

MISCELLANEOUS: 1. LowRates.com reserves the right to change, remove or modify any and all content contained on the Site at any time without notice. 2. You agree to report any copyright violations of the TERMS AND CONDITIONS OF USE to LowRates.com as soon as you become aware of them. In the event you have a claim of copyright infringement with respect to material that is contained in the Site, please notify us. (Contact us)

AUTHORITY: The only persons authorized to enter into contracts on behalf of Sun West Mortgage Company, Inc. are the company’s President and Chief Executive Officer. You may call our corporate office at 800.453.7884 or e-mail contracts@swmc.com to verify the execution of any contract.

RECORDING: Phone calls between you and any representatives of Sun West Mortgage, Inc. shall be recorded and monitored for quality assurance and training purposes.