Agreement between User and www.atlending.com
Welcome to www.atlending.com. The www.atlending.com website (the “Site”) is comprised of various web pages operated by STG Mortgage Inc. DBA AT Lending (“STG Mortgage”). www.atlending.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of www.atlending.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
www.atlending.com is a Mortgage Lender Site.
Visiting www.atlending.com or sending emails to STG Mortgage constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that STG Mortgage is not responsible for third party access to your account that results from theft or misappropriation of your account. STG Mortgage and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
STG Mortgage does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.atlending.com only with permission of a parent or guardian.
Links to Third Party Sites/Third Party Services
www.atlending.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of STG Mortgage and AT Lending is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. STG Mortgage is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by STG Mortgage of the site or any association with its operators.
Certain services made available via www.atlending.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.atlending.com domain, you hereby acknowledge and consent that STG Mortgage may share such information and data with any third party with whom STG Mortgage has a contractual relationship to provide the requested product, service or functionality on behalf of www.atlending.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of STG Mortgage or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. STG Mortgage content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of STG Mortgage and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of STG Mortgage or our licensors except as expressly authorized by these Terms.
Third Party Accounts
You will be able to connect your STG Mortgage account to third party accounts. By connecting your STG Mortgage account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.
The Service is controlled, operated and administered by STG Mortgage from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the STG Mortgage Content accessed through www.atlending.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless STG Mortgage, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. STG Mortgage reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with STG Mortgage in asserting any available defenses.
Choice of Law
This Agreement shall be governed by and construed in accordance with the laws of the State of California. Neither Party will commence or prosecute any action, suit, proceeding or claim arising out of or related in any way to this Agreement, other than in the County of Orange, State of California. Each Party hereby irrevocably consents to the choice of law, jurisdiction and venue in connection with any such action, proceeding or claim.
Any controversy or claim arising out of or relating to this Agreement, any modifications or extensions hereof, or any sale, service, or performance hereunder, including but not limited to any claim for damages or rescission or both shall be settled by binding arbitration in accordance with the Arbitration Rules of the American Arbitration Association (the “AAA”). The arbitration shall be conducted by a single arbitrator to be selected by agreement of the parties not later than ten (10) days after delivery of the demand for arbitration or, failing such agreement, appointed pursuant to the rules of the AAA. Unless otherwise agreed upon by the parties, such arbitrator shall be a retired judge or attorney licensed to practice law in the State of California, with substantial experience in litigation or disputes of similar substance. Arbitration shall be conducted in California unless otherwise agreed by the parties. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The prevailing party in any arbitration shall be entitled, in addition to any other rights or remedies it may have, to reimbursement for its expenses incurred thereby including arbitration costs, reasonable attorneys‟ fees, and arbitrators‟ fees.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and STG Mortgage agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. STG MORTGAGE INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
STG MORTGAGE INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. STG MORTGAGE INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
STG Mortgage reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and STG Mortgage as a result of this agreement or use of the Site. STG Mortgage’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of STG Mortgage’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by STG Mortgage with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and STG Mortgage with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and STG Mortgage with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
STG Mortgage reserves the right, in its sole discretion, to change the Terms under which www.atlending.com is offered. The most current version of the Terms will supersede all previous versions. STG Mortgage encourages you to periodically review the Terms to stay informed of our updates.
STG Mortgage welcomes your questions or comments regarding the Terms:
STG Mortgage Inc.
765 The City Drive S., Suite 200
Orange, California 92868
Effective as of February 27, 2023