Terms of Use

Revised: November 30, 2025

Welcome to the website of Loanplex (“Company,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of http://www.loanplex.com, including any pages, client portals, mobile versions, emails, texts, or other electronic communications (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms and all applicable laws. If you do not agree, do not use the Site.

1. Limited License & Ownership of Content

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use in connection with exploring our mortgage products and services.

You acknowledge that:

All content on the Site (including text, graphics, logos, icons, images, audio, video, software, and design) is owned by Loanplex, our licensors, or other providers, and is protected by U.S. and international intellectual property laws.
You do not acquire any ownership rights in the Site or its content by accessing or using it.

We may modify, suspend, or discontinue any part of the Site at any time without notice. We are not liable if the Site is unavailable at any time or for any period.

2. Permitted and Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms.

You may not:

Copy, modify, distribute, or create derivative works from Site content without our written consent.
Use the Site or its content for any commercial purpose unrelated to exploring or obtaining our mortgage services.
Attempt to decompile, reverse engineer, or otherwise access the source code of any software on or supporting the Site.
Use any robot, scraper, or automated means to access the Site for data mining or similar purposes.
Upload, transmit, or otherwise make available any material that:
Infringes any copyright, trademark, trade secret, privacy, publicity, or other rights of any third party
Is unlawful, harassing, defamatory, abusive, obscene, or otherwise objectionable
Contains viruses, malware, Trojan horses, worms, time bombs, or any other harmful code
Is misleading, false, or designed to deceive
Remove or alter any copyright, trademark, or other proprietary notices on the Site.
“Mirror” or frame any part of the Site on any other server or website without our written consent.

Your permission to use the Site is a license, not a transfer of title, and will automatically terminate if you violate these Terms. We may terminate or restrict your access to the Site at any time, with or without notice.

3. User-Submitted Content

If you submit or post any content to us or on the Site (such as reviews, comments, feedback, uploads, messages, or other materials, collectively “User Content”):

You represent and warrant that you own or have the necessary rights to submit such content.
You grant Loanplex a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, publish, display, distribute, and otherwise exploit such User Content in connection with operating and promoting our business and the Site.
We may remove User Content at any time for any reason, without notice.

You agree not to submit any User Content that violates these Terms or any applicable law.

4. Mortgage & Financial Disclaimers

The information on this Site is provided for general informational purposes only and does not:

Constitute a loan approval or commitment to lend
Guarantee any rate, fee, cost, term, or program
Replace professional financial, legal, or tax advice

All loans are subject to credit approval, verification of information, underwriting guidelines, and applicable state and federal laws. Rates, terms, and programs may change at any time without notice.

You should consult with qualified professionals before making financial decisions.

5. SMS / TEXT MESSAGE CONSENT (TCPA)

By providing your phone number on this Site or otherwise, you expressly consent to receive calls and recurring SMS/text messages from Loanplex and its representatives for account, servicing, and marketing purposes, including by automated systems where permitted by law.

Opt-In Language: “By providing your phone number, you consent to receive recurring SMS messages from Loanplex. Msg & data rates may apply. Reply STOP to unsubscribe. Reply HELP for help.”

Opt-Out Language: “Reply STOP to unsubscribe, CANCEL to end messages, or HELP for assistance.”

You can also request to stop SMS communications by contacting us at [Email] or [Phone Number]. Opting out of SMS does not affect your ability to apply for or receive mortgage services from us.

6. Equal Housing Lender & NMLS Disclosure

Loanplex is an Equal Housing Lender. We do not discriminate in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act.

Loanplex, NMLS # 2495512.
Individual loan officers listed on this Site will display their individual NMLS ID on their profile or contact pages.

For more information about our licensing, you may visit the NMLS Consumer Access website at:
https://www.nmlsconsumeraccess.org

7. California Privacy Rights (CCPA/CPRA Summary)

If you are a California resident, you may have additional rights regarding access to, deletion of, and control over your personal information. A full description of these rights and how to exercise them is provided in our Privacy Policy, which is incorporated into these Terms by reference.

8. Security, Viruses & Disclaimer of Warranties

We cannot guarantee that the Site or any files available for download will be free of viruses, malware, or other harmful components. You are responsible for:

Maintaining your own anti-virus protections
Implementing appropriate safeguards for data backup and recovery

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

The Site will be error-free, uninterrupted, or secure
Any defects will be corrected
The information is accurate, complete, or current

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL LOANPLEX, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, REVENUE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SITE, ANY LINKED WEBSITES, OR ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Certain jurisdictions do not allow limitations of liability; in such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Loanplex, its affiliates, officers, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

Your use of the Site
Your violation of these Terms
Your violation of any law or third-party rights

11. Links to Third-Party Sites

The Site may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, security, or practices of any third-party sites. Accessing third-party websites is at your own risk.

12. Changes to the Site and Terms

We may update the Site content or these Terms at any time. The “Last Updated” date will reflect the latest revision. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of [State], without giving effect to conflicts-of-law principles. Any disputes arising out of or relating to these Terms or your use of the Site shall be brought in the state or federal courts located in [County, State], unless otherwise required by law.

14. Entire Agreement

These Terms, together with our Privacy Policy and any additional disclosures on the Site, constitute the entire agreement between you and Loanplex regarding your use of the Site and supersede all prior agreements and understandings.

15. Contact Information: For questions about these Terms, please contact:

Loanplex, 17138 Bellflower Blvd. Ste 101, Bellflower, CA, 90706

info@loanplex.com | (855) LOANPLEX