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Terms and Conditions of Use
This Website is maintained by Premium Capital Funding LLC dba Topdot Mortgage (referred to as "Topdot Mortgage ") to provide information and services to current and potential customers, business partners and members of the general public.
By using this website, you accept without limitation or qualification the following terms and conditions of use. Please read these terms and conditions of use carefully before using this website.
YOUR USE OF THIS WEBSITE SHALL BE YOUR AGREEMENT TO ABIDE BY EACH OF THE FOLLOWING TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEBSITE.
The terms and conditions of use may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.
Disclaimer
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided "as is" and without warranties of any kind either express or implied and Topdot Mortgage disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, or non-infringement of third parties' rights.
Topdot Mortgage expressly reserves the right to discontinue, suspend or terminate the offering of any loan product described in this website in any jurisdiction, subject to applicable law. Unless expressly stated to the contrary, nothing contained herein shall constitute an offer or promise for a loan commitment, interest rate lock-in agreement or to make a specific loan for any purpose or on any specific terms. All loan related decisions are made in the ordinary course of business and any applicable loan offerings are made to qualified applicants in separate loan documents which are required by applicable state and federal laws. Loans may only be made to residents of states where Topdot Mortgage is licensed or authorized to make such loans. By operating this website, Topdot Mortgage is not attempting to originate loans outside its authorized jurisdictions.
Topdot Mortgage does not assume any responsibility or risk for your use of this website. Topdot Mortgage does not guarantee or warrant that files available for downloading from the internet will be free of infection of viruses or worms, Trojan horses or other code that manifest contaminating or destructive properties. Topdot Mortgage also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
This website may be linked to other websites which are not maintained by Topdot Mortgage. Topdot Mortgage is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Topdot Mortgage of the websites or the content thereof and if you access any of the third party websites linked to this site, you do so entirely at your own risk.
Limitation of liability and Release
While Topdot Mortgage uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Topdot Mortgage makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances shall Topdot Mortgage or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Topdot Mortgage or a Topdot Mortgage authorized representative has been advised of the possibility of such damages.
You hereby release and forever discharge Topdot Mortgage and its officers, directors, members, agents, employees, subsidiaries and affiliates, and their respective successors and assigns, from and against any and all manner of liability, claims, counterclaims, demands, setoffs, damages, or causes of action, which you now have or which may hereafter accrue, whether asserted before or unasserted, known or unknown, arising our of, or in any way relating to your use of this website or the information provided herein, specifically including, but not limited to any claims based in whole or in part on the negligence of Topdot Mortgage, in operating this website or otherwise.
Restrictions on use of materials
This website is maintained by Topdot Mortgage. Except as otherwise expressly permitted by Topdot Mortgage, no materials from this website or any website owned, operated, licensed or controlled by Topdot Mortgage may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Topdot Mortgage's written permission.
Ownership of information
Where applicable, Topdot Mortgage will handle user information that you submit via this website in accordance with the Privacy Policy located in this website. Please be advised that Topdot Mortgage has taken reasonable and appropriate measures to insure the protection of your personal information; however, we cannot guarantee that the personal information you enter and send to us will not be intercepted by others, decrypted, and/or used for unauthorized purposes. You agree not to hold Topdot Mortgage liable for any loss or damage of any sort incurred as a result of any such unauthorized use or disclosure.
Trademarks and copyrights
The Topdot Mortgage logos, products, service marks, trade names and icons are proprietary to Topdot Mortgage. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Topdot Mortgage. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
Miscellaneous
These terms and conditions of use will be governed by the laws of the State of New York, without regard to its choice of law provisions. Any legal action, suit or proceeding in any way arising out of these terms and conditions of use must be brought solely and exclusively in the federal or state courts of the State of New York. If any provision of these terms and conditions of use is held by a court of competent jurisdiction to be illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.
The failure of Topdot Mortgage to exercise or enforce any right or provision of these terms and conditions of use shall not constitute a waiver of such right or provision.
LEGAL DISCLOSURES
State Licensing:
Unless otherwise noted, all licenses are in the name of Premium Capital Funding LLC dba Topdot Mortgage.
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Alaska Entity # 87806-F
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Arizona Mortgage Banker License Number BK-0906459; BKBR- 0107552
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Arkansas
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Mortgage Banker and Mortgage Broker License Number 32790 |
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Licensed by the Department of Corporations under the California Financial Lender Law # 603 9176
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Certificate of Authority on file with the Secretary of State
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First Mortgage Lender/Broker License # 12166;Second Mortgage Lender/Broker License # 12167
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Licensed Lender Licensed 148894
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Correspondent Mortgage Lender License # CL 0501049
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Mortgage Lender Licensee # 19453
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Approved Lender
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Illinois Residential Mortgage License # MB.6759054
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Loan Broker License # 03-0151 LB
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Mortgage Banker License - MBK-2005-0229
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Mortgage Company License # 2003-4563
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Mortgage Loan Company License, License # MC13778
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Supervised Lender License # SLM6318
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Mortgage Lenders License # 9133.
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Massachusetts Mortgage Lender and Mortgage Broker License # MC3113
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First Mortgage Broker and Lender License # FL3888; Secondary Mortgage Broker and Lender License # SR1765
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Residential Mortgage Originator License # 20385241; This is not an offer to enter into an interest rate lock agreement under Minnesota law.
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Missouri
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Exempt from state licensing requirement due to HUD approval. |
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Certificate of Authority on File with the Secretary of State to act as a Mortgage Lender Only.
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Mortgage Banker License # 720
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Mortgage Bank License # 9566MB
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Licensed by the New Jersey Department of Banking and Insurance - Licensed Lender, Authority(s): Mortgage Banker License; Secondary Mortgage Loan Licensee. License # L051389 and L051385
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License # 01691
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Licensed Mortgage Banker - New York State Banking Department License # LMBC No. 104893
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Mortgage Lender License # L-117977
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Oklahoma
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Supervised lender license #SL006759 |
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Mortgage Lender License # ML-2851
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Licensed by the Pennsylvania Department of Banking as a First Mortgage Banker - License # 12525; also licensed pursuant to the Secondary Mortgage Loan Act - Broker License # 12526
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Rhode Island Licensed Lender # 20041733LL, and Licensed Loan Broker 260417342B
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Certificate of Authority on File with the Secretary of State to act as a Mortgage Lender Only.
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Department of Financial Institutions License # 0000002570
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Mortgage Lender Company License # 5250036-MLC0
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Mortgage Lender and Broker License # MLB-915
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Mortgage Broker License # 510-MB-24841
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Mortgage Banker License, License # 43675
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Licensed by the Wyoming Residential Mortgage Practice Act. License # MBL 112 and Supervised Lender Licensed SL2441
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General Disclosures:
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9977 (toll free), or (1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington, D.C. 20410.
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington, D.C. 20580
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