These are the terms and conditions governing your use of this website, which provides mortgage loan options presented by licensed Loan Officers. By accessing or using this website, you agree to be bound by these terms and conditions. Your continued use of this website following any changes to these terms will constitute your ongoing acceptance of those changes.

1. Purpose of the Website:

This website is intended to provide you with mortgage loan options based on the data you have provided to a licensed Loan Officer at Luminate Bank. The information presented herein is for informational purposes only.   

2. Acceptance of Terms:

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.  

3. Intellectual Property:

All content on this website, including but not limited to text, graphics, logos, images, software, and other materials ("Content"), is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws. You are permitted to view the Content for your personal, non-commercial use only. Unauthorized reproduction, distribution, modification, creation of derivative works, public display, or any other use of the Content without our explicit written consent is strictly prohibited. Any trademarks or service marks displayed on this website are the property of their respective owners.

4. User Conduct and Responsibilities:

You agree to use this website in a manner that is lawful, respectful, and does not disrupt its operation or infringe upon the rights of others. You are strictly prohibited from engaging in any activity that could:

• Violate any applicable federal, state, local, or international laws or regulations.
• Infringe upon the intellectual property rights, privacy rights, or other rights of any third party.
• Disrupt, disable, overburden, or impair the operation of this website or its associated servers or networks.
• Introduce any viruses, worms, Trojan horses, logic bombs, or other malicious code that could harm this website, its users, or related systems.
• Attempt to gain unauthorized access to any portion of this website, its servers, databases, or other systems.
• Engage in any spamming, phishing, or other unsolicited or unauthorized communications.
• Provide any false, misleading, or inaccurate information through this website.

You are solely responsible for the accuracy of any information you provide to a Luminate Bank Loan Officer through this website.

5. Disclaimer of Warranties:

THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:  

• WARRANTIES OF ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF THE INFORMATION PROVIDED ON THIS WEBSITE.
• WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
• WARRANTIES THAT THE WEBSITE WILL OPERATE UNINTERRUPTED OR ERROR-FREE.
• WARRANTIES THAT THE WEBSITE AND ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We do not endorse or guarantee the services or products of any third-party lenders or service providers that may be linked to or mentioned on this website. Any interactions you have with such third parties are solely between you and them, and we shall not be responsible or liable for any loss or damage of any sort incurred as a result of any such interactions.

6. Limitation of Liability:

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, NOR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THIS WEBSITE, THE CONTENT, OR ANY THIRD-PARTY WEBSITES OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY APPLIES TO, BUT IS NOT LIMITED TO, DAMAGES RESULTING FROM:  

• ERRORS, OMISSIONS, INTERRUPTIONS, DELETIONS, DEFECTS, DELAYS IN OPERATION OR TRANSMISSION.
• COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS.
• LINE OR SYSTEM FAILURE.
• THE ACTIONS OR INACTIONS OF THIRD PARTIES.

7. Indemnification:

You agree to indemnify, defend, and hold harmless us, our affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of this website, your violation of these Terms and Conditions, or your infringement of any intellectual property or other rights of any third party.  

8. Governing Law and Dispute Resolution:

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Colorado , without regard to its conflict of law principles. You agree that any legal action or proceeding arising out of or relating to these Terms and Conditions or your use of this website shall be brought exclusively in the state or federal courts located within Adams County, Westminster, CO, and you hereby irrevocably consent to the personal jurisdiction of such courts.  

9. Modifications to the Terms and Conditions:

We reserve the right to modify these Terms and Conditions at any time, without prior notice. Any changes will be effective immediately upon posting the updated Terms and Conditions on this website, with a revised "last updated" date. Your continued use of this website after the posting of any changes constitutes your acceptance of the modified Terms and Conditions. It is your responsibility to review these Terms and Conditions periodically for any updates or changes.  

10. Severability:

If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions of these Terms and Conditions shall continue in full force and effect.  

11. Entire Agreement:

These Terms and Conditions constitute the entire agreement between you and us regarding your use of this website and supersede all prior or contemporaneous communications and proposals, whether oral or written.

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

admin@lhguide.com

Last Updated: 04/24/2025