Terms of Service

The iLENDi website and the application (or “app”) for use of iLENDi on mobile phones and other devices (collectively, “iLENDi”) are owned and operated by HandsDown Digital Limited (“HandsDown Digital”).

iLENDi allows you to communicate with a number of lenders who subscribe for use of iLENDi at no charge to you (the “Lenders”).

In order to use iLENDi, you will need to review the following terms and conditions and click the “I agree” button below.

If there are any changes by HandsDown Digital in the terms and conditions for use of iLENDi, you will be asked to review those changes and accept them before using iLENDi after such changes.

iLENDi assists participating Lenders in their processing of mortgage loan applications by providing an interactive platform for you to better understand their loan program, payments, loan costs and disclosures along with any risks associated with your loan request. All decisions involving the processing and approval or disapproval of loan applications will be made solely and exclusively by the Lenders to which you have submitted your application.

HandsDown Digital will have no role in the evaluation of any information submitted by you using iLENDi or in any decision by any Lenders to approve or disapprove any application.

No endorsement or recommendation is made by HandsDown Digital as to any Lenders or any particular products of Lenders. HandsDown Digital and iLENDi are not acting as an agent for you or as the agent of any of the Lenders. You should rely on your own judgment in deciding which available loan product, terms and which of the Lenders best suits your needs and financial situation. Each of the Lenders is solely responsible for its services, and you agree that you will not hold HandsDown Digital liable for any damages or costs arising out of or in any way connected with your use of iLENDi or any interactions with any Lender.

In addition to these terms and conditions, the following also affect your use of iLENDi:

• Terms of Use/User Code of Conduct(policies and rules all users must abide by)
• The HandsDown Digital Privacy Statementand Security Statement
• Additional terms, conditions and policies for each of the Lenders, that you will need to accept in submitting applications to those Lenders

You understand that Lenders may keep your loan request information and any other information provided to them in the processing of any loan request, whether or not a loan is entered into with any of the Lenders.

iLENDi provides information only in connection with mortgage loans available for real property located in the fifty states of the United States and the District of Columbia. Loans may only be made to residents of, or secured by real property located in, states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country simply by participating in and educating potential applicants on iLENDi. Lenders reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through iLENDi at any time, without prior notice.

Loan terms or rates offered and made available by Lenders are solely determined by the Lenders. The Lenders participating in iLENDi do not represent all potential lenders in your area and you are free to compare the participating Lenders’ mortgage products to those of other lenders and to choose another lender who may offer better and/or lower products, rates, and terms.

Access to the iLENDi may from time to time be unavailable, delayed, limited or slowed due to, among other things: hardware or software failure of the iLENDi website/app or on the Internet; overload of system capacities, damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters, interruption (whether partial or total) of power supplies or other utility of service, strike or other stoppage (whether partial or total) of labor, governmental or regulatory restrictions, exchange rulings, judicial orders or otherwise.

HANDSDOWN DIGITAL DOES NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON iLENDi AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, HANDSDOWN DIGITAL WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

THE INFORMATION AND MATERIALS CONTAINED ON iLENDi, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” BASIS. HANDSDOWN DIGITAL DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY WITH RESPECT TO iLENDi, ITS CONTENT, AND ANY PRODUCTS, SERVICES AND OPPORTUNITIES MADE AVAILABLE THROUGH iLENDi, INCLUDING ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY: (A) OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS; (B) ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE; (C) RELATING TO THE SECURITY OF THIS SITE OR THE SECURITY OF ANY CONTENT UPLOADED TO THE SITE; (D) THAT THE SERVICES, CONTENT OR OTHER INFORMATION ON THIS SITE IS TIMELY, CURRENT, ACCURATE, COMPLETE, ERROR-FREE, RELEVANT OR RELIABLE; (E) THAT iLENDi’s WEBSITE OR MOBILE APP WILL OPERATE WITHOUT INTERRUPTION OR ERROR OR THAT ERRORS WILL BE CORRECTED; (F) THAT iLENDi’s WEBSITE OR MOBILE APP OR ANY SERVICE THEREON WILL MEET YOUR REQUIREMENTS; (G) REGARDING THE QUALITY OF, OR THE RESULTS TO BE OBTAINED FROM USING iLENDi’s WEBSITE OR MOBILE APP, INCLUDING THEIR CONTENT, OR PRODUCTS, SERVICES AND OPPORTUNITIES MADE AVAILABLE THROUGH iLENDi; OR (H) ANY ACTIVITY OR THE RESULTS OR FAILURE TO OBTAIN RESULTS OF ANY ACTIVITY ON THE WEBSITE OF LENDERS OR ANY OTHER PARTY WHOSE WEBSITE MAY BE LINKED TO iLENDi’s WEBSITE OR MOBILE APP OR THE WEBSITE OF ANY LENDERS.

UNDER NO CIRCUMSTANCES WILL HANDSDOWN DIGITAL BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO, (A) USE OF iLENDi’s WEBSITE OR MOBILE APP, ANY PORTION OF IT OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; (C) ANY CONTENT PROVIDED THROUGH iLENDi OR ANY RELIANCE THEREON; (D) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (E) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON iLENDi’s WEBSITE OR MOBILE APP; (F) ANY PRODUCTS, SERVICES OR OPPORTUNITIES PROVIDED THROUGH iLENDi’s WEBSITE OR MOBILE APP OR (G) ANY OTHER MATTER RELATING TO iLENDi’s WEBSITE OR MOBILE APP REGARDLESS OF WHETHER HANDSDOWN DIGITAL HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

You agree that the provisions of the Uniform Computer Information and Transactions Acts as adopted by the State of Maryland, the Commonwealth of Virginia, or any other jurisdiction or state in the U.S. shall not apply to your use of iLENDi. 

TERMS OF USE

(USER CODE OF CONDUCT)

Only users who have registered and provided accurate information concerning their identity, location, real property, financial information, and all other matters are authorized to use iLENDi.

Unauthorized use of iLENDi, including but not limited to, attempts to alter information in iLENDi’s systems, misuse of passwords, or misuse of any information posted iLENDi, is strictly prohibited.

You agree not to attempt to log on to iLENDi from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under OFAC sanctions may be obtained on the U.S. Department of the Treasury website.

You agree that (i) you will not engage in any activities related to your use of iLENDi that are contrary to applicable law, regulation or the terms of any agreements you may have with any of the participating Lenders, and (ii) you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information only to individuals authorized by you.

You can access and/or change information in connection with your application to any of the participating Lenders only by requests directly to the lender to change or alter submitted or displayed data.

Your permission to use iLENDi shall automatically terminate if you violate any of the restrictions set out in the above Terms of Use/User Code of Conduct.

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