Email Policy

Email Communication Policy

Communicating with us through email can be convenient, but the effectiveness of email messages is often limited and at times may be brief and informal. Due to various forms of simultaneous communication and other limiting factors, emails may not provide an accurate representation of our relationship with regard to obtaining a loan. Our communication is typically performed through various forms including email, phone calls, text messages, letters, in-person conversations, and other forms. An email, by itself, may not accurately represent our entire communication or our intentions and may be susceptible to being taken out of context. All official matters with regard to a loan should be confirmed in a signed writing.

Receipt of Your Email

Sending us an email does not constitute putting us on notice of any matters included within a particular email. Time-sensitive information may not be received or reviewed by us in a timely manner. Emails sent to us undergo virus and spam filters that may delay and/or reject receipt of certain emails.

Email Monitoring and Unsecure Emails

Email uses the internet, which is an open system. We cannot guarantee that email messages you send to us, or we send to you, are secure, complete, or free from viruses, or that an email will not be lost, intercepted, destroyed, delayed, or prevented from reaching us. We advise against sending any time-sensitive or personally identifiable information through email, and we disclaim any and all liability with regard to any email that is lost, intercepted, destroyed, delayed, or prevented from reaching us.

All incoming and outgoing emails from us are subject to monitoring by individuals who are not the specified recipient or sender, whether or not notice of such monitoring is given. We may also record or monitor other forms of communication you have with us, including our website, text messages, social media, and telephone. Your use of these forms of communication constitutes your consent to the recording and monitoring of this communication.

Viruses and Emails from Us

A computer virus can be transmitted through email, attachments, and links embedded in emails. Although we believe our emails are free of viruses or other defects, it is the recipient's responsibility to ensure that any email they open is free of viruses or other defects. We are not responsible for any loss or damage arising in any way from the receipt, use, storage, or transmission of our emails.

If we forward an email or reply to a previous email, the content of such email may include information created by someone other than us or our employees and agents, and we assume no liability for such information.

Electronic Signature Disclaimer

All emails received by you from us shall not constitute an electronic signature unless we provide explicit and specific language in the email stating otherwise. If you receive an email communication from us, such email is not intended to provide or confirm an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement for us to offer a loan. Documents and agreements are, in most cases, sent to you in a formal and signed writing from us.

Privileged and Confidential Information

Emails that include our legal and compliance departments may contain privileged information subject to the attorney/client privilege and/or the attorney/work product privilege. Any privilege attached to this information will not be waived if you inadvertently receive such information through email. If you receive an email and you are not the intended recipient, please notify the sender and delete or destroy the communication. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is prohibited.

Email Content Disclaimer

We disclaim any and all liability — including responsibility based upon negligence or negligent misstatement — for the correctness, comprehensiveness, or reliability of the data and information provided through our emails, and we make no warranty, express or implied, with respect to such data or information.

Governing Law

By providing your email address for communication with us, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern this communication and any dispute that may arise therefrom. You also agree that any action at law or in equity resulting from this communication shall only be filed in the state or federal courts located in Orange County, California, and you consent to submit to the personal jurisdiction of such courts.

Equal Housing Lender

Inquiries About Emails

If you have a complaint about any email you receive from us or a party on our behalf, please contact us:

• By phone: (858) 289-0000
• By email: [email protected]