Terms and Conditions
YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS;TERMS OF USE;. CLICKING ONTO WEB PAGES BEYOND THE WEBSITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.
Website Ownership
This website is owned and operated by; J.E.B. Funding, Inc. d/b/a HB&O Funding Company, 3907 North Buffalo Rd - Lower Level, Orchard Park, NY 14127, which is referred to below as;HB&O Funding Company; or we; or us; or Company; or our;
Permitted Use
You agree that:
- Your use of this website is subject to and governed by these Terms of Use;
- You will only access or use this website and transact business with us if you are at least 18 years old;
- You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website Use, of Terms these by bound be to agreement and assent your confirms indicates you website this use;
- These Terms of Use are a legally binding agreement between you and HB&O Funding Company that will be enforceable against you;
- You agree that you will not use or attempt to use this website for any purpose other than conducting residential mortgage related business with HB&O Funding Company as a bona fide client of HB&O Funding Company; you may not use or attempt to use this website or any part of this site for any purpose;
- That interferes with or induces a breach of the contractual relationships between HB&O Funding Company and its employees;
- That is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
- That transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications;
- That transmits any harmful or disabling computer codes or viruses;
- That harvests e-mail addresses from this site;
- That transmits unsolicited e-mail to this site or to anyone whose e-mail address included the domain name under on this website;
- That interferes with our network services;
- That attempts to gain unauthorized access to our network services;
- That suggests an express or implied affiliation with HB&O Funding Company or broker relationship with HB&O Funding Company(without the express written permission of HB&O Funding Company);
- That impairs or limits our ability to operate this website or any other person's ability to access and use this website, and/or;
- That uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting residential mortgage related business with HB&O Funding Company as a bona fide client of HB&O Funding Company.
Access To This Website
HB&O Funding Company reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.
Use Of This Website: You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
Intellectual Property Rights
The respective logos, emblems, slogans and designs are trademarks and/or service marks of HB&O Funding Company. All other marks used on this website are the property of their respective owners. Web Page Content: You acknowledge and agree that:
- All content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
- All rights associated with the Web Page Content are owned by HB&O Funding Company, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
- In or as any meta-tag or hidden text;
- In or as part of any contextual marketing directory, index, or triggering term;
- As content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
- As a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company's website or controls the content of any other Internet browser window.
Submissions
You acknowledge and agree that all submissions to HB&O Funding Company containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge HB&O Funding Companys' unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person. Testimonials: You acknowledge and agree that all testimonials submitted to HB&O Funding Company will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to HB&O Funding Company the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that HB&O Funding Company may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.
Linking
Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, HB&O Funding Company does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that HB&O Funding Company will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials. No Advertising / No Links. HB&O Funding Company does not permit third-party advertising on this website. Except with the written permission of HB&O Funding Company, you agree that you will not create links from any website or Web page to this website or any Web page within this website.
Revisions & Modifications
You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President of HB&O Funding Company.
Location
You understand and acknowledge that HB&O Funding Company controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.
User IDs And Passwords
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify HB&O Funding Company immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
Indemnification
If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify HB&O Funding Company and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of HB&O Funding Company and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney's fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.
Disclaimers
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, HB&O FUNDING COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. HB&O FUNDING COMPANY MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. HB&O FUNDING COMPANY HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT HB&O FUNDING COMPANYIS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, HB&O FUNDING COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HB&O FUNDING COMPANYMAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER'S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT HB&O FUNDING COMPANY, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
Limitation of Liability
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL HB&O FUNDING COMPANYBE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT HB&O FUNDING COMPANY SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL HB&O FUNDING COMPANYS' TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.
Communications With Company
E-mail: For information regarding our e-mail policy, please click here.
Time Sensitive Instructions: When communicating with us through this website, social media or via e-mail, do not use the website, social media or e-mail to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, social media or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by HB&O Funding Company in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as be specifically provided for in writing signed by HB&O Funding Company.
E-Signature: General communications through this website, social media or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a "click to accept" button or box is binding upon you.
Recording & Monitoring of Communications: Your communications with us via the website, social media, e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
Contact Methods & Opt-Out
Permission to Be Contacted: By submitting information to HB&O Funding Company through this website or otherwise you are making an inquiry as to lending programs and services offered by HB&O Funding Company and give HB&O Funding Company permission to contact through e-mail, fax, or telephone, or any means, even if your phone number is on a "Do Not Call" list. Permission to Share Your Information: When you "submit" information through the HB&O Funding Companys' website or otherwise, HB&O Funding Company may send your information to its affiliates. If you do not want your information shared with HB&O Funding Company's affiliates, you modify your preference by visiting: https://www.hbofunding.com/legal/contact-preferences. Opt-out: For information regarding our Opt-out policy, please visit: https://www.hbofunding.com/legal/contact-preferences.
Application Of Additional Terms
You acknowledge that certain features of this website, as well other products and services of HB&O Funding Company, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers. Agreement To Provide Accurate Information In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which HB&O Funding Company may rely.
Your Cooperation Needed
HB&O Funding Company generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information HB&O Funding Company may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify HB&O Funding Company of any changes in any information submitted in connection with your application.
Reasonable Efforts
While HB&O Funding Company will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For instance, HB&O Funding Company cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond HB&O Funding Companys' reasonable control.
Deposit / Refund Policy
When you submit a loan application, HB&O Funding Company will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of HB&O Funding Company third party costs. Please review your deposit agreement for details specific to your loan application.
Governing Law
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Wayne County, Michigan, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
Severability
You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.
Privacy Policy
At HB&O Funding Company, we respect and protect the privacy of those who visit or use our website to deliver the option of choice when it comes to real estate financing. When we do request and collect information from you, we want you to know how it is used, stored and protected. HB&O Funding Company does not share your personal information with outside companies for their promotional use without your prior consent of release.
Our Philosophy & Practices
At HB&O Funding Company, our goal is to make you comfortable and confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website:
We provide you notice of our website information practices.
Protecting your identity and credit
We give you choices about how the personally identifiable information that you provide to us may be used.
We provide you the opportunity to update or correct your personally identifiable information.
We work to protect personally identifiable information from loss, misuse, or unauthorized alteration.
We provide various ways for you to contact us about our information practices and other aspects of privacy.
We Provide You Notice of Our Website Information Practices
To maximize the value of our services, we may request information from you when you visit our websites. HB&O Funding Company does not share your personal information with outside companies for their promotional use. Here is a description of the information we collect and how it is used:
Protecting Your Identity and Credit
Credit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive email or phone calls that you didn't ask for, offering credit cards, refinancing or other loan products. You can stop these calls and emails by opting out of these prescreened credit offers. Simply call (888) 567-8688 or visit www.optoutprescreen.com.
Tools, Applications and Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual. However, if you want to exercise one or more of the loan options presented, we will ask you to register at the site and supply other identifying and supporting information needed to process your application. By registering, you can save information such as loan interviews and applications for later review and update. When you register, you select a member ID name by which we will know you, choose a password and provide us an e-mail address. You use the member ID name and password to gain access to your loan application information, financial profile and/or customized rates. We use your contact information to provide you with alerts and updates regarding your loan status, which is part of the Companys' service. HB&O Funding Company does not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by HB&O Funding Company. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an e-mail to [email protected]. We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.
Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
Newsletters: We provide you the opportunity to subscribe to e-mail newsletters and other e-mail communications. You may unsubscribe by following the instructions provided in each e-mail newsletter. More on our general information practices.
Contests, Sweepstakes, and Surveys: From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.
Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting.
Service Providers: In some cases, we will employ or use service providers such as attorneys, title companies, temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology, deliver products, or to send e-mails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
Service Alerts and Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
Changes to Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to the HB&O Funding Company's website 30 days before they take effect.
Legal Disclosures: In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
We work to Protect Personally Identifiable Information from Loss, Misuse or Unauthorized Alteration
We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to HB&O Funding Company is protected with technology that enables encryption of your data. We use:
Secure Socket Layer (SSL): The HB&O Funding Company Web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
128-Bit Domestic Grade Strong Encryption: HB&O Funding Company uses 128-Bit Domestic Grade Strong Encryption, the most powerful encryption commercially available for Internet products. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States citizens can download free 128-bit browsers from Mozilla, Apple, or Microsoft. We work to protect personally identifiable information stored on the site's servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a username, member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
We Give you Choices About How The Personally Identifiable Information That You Provide To Us May Be Used.
We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about HB&O Funding loan products and other services. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call toll-free at (716) 662-2944 or send an e-mail to [email protected].
We Provide You The Opportunity To Update Or Correct Your Personally Identifiable Information
We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting our office at (716) 662 - 2944 or e-mailing us at [email protected].
We Provide Various Ways For You To Contact Us About Out Information Practices And Other Aspects of Privacy
Questions regarding HB&O Funding Company website's privacy statement, our online privacy policy, our information practices or other aspects of privacy on our website, should be directed to us by:
E-mail: [email protected]
Mail: HB&O Funding Company - 3907 North Buffalo Rd | Lower Level | Orchard Park, NY 14127
Call: (716) 662 - 2944 | (844) HBO - FNDG
Email Policy
The Company offers various means of communication including Email, Fax, Telephone, Mail, etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding Email, which are incorporated by reference into all Emails sent and received by our employees. Our communications with you via Email are conditioned upon your agreement to the following terms.
Email In General
Email is an effective means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through Emails, faxes, voicemails, letters, IM, telephone and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an Email, etc. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.
Emails Are Generally Not Formal Signed Writings; E-Sign Disclaimer
Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature, even if the sender's name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.
Confidential Information
Emails sent by our employees are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as "Confidential" contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney's fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.
Privileged Information
Emails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.
Time Sensitive Instructions; Official Matters; Filters
Do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Team Member in a timely manner. All Emails are processed through various virus and spam filters which may delay or reject the delivery of an Email altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person via fax or Email. The Company reserves the right to block any Email source it deems inappropriate.
Business Purpose
The Company's Email facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving Email from our employees may not use our employee's Email address or contact information (or any other person's Email address appearing on or in Company Email) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an Email is not our Company's consent, nor our employee's consent, for you to use our employee's Email address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.
Monitoring Of Communications
All Emails sent to or from our Employees may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, PC-talk, chat, Email, and telephone. By using such communications methods you are consenting to the recording or monitoring of the same.
Unsecured Transmissions
You should be aware that regular Email is typically sent via the Internet which is an open network. While certain designated areas within our websites employ technologies to secure your data and the transmissions between you and our Company, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won't be lost, miss-delivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over Email, and disclaims all liability with regard to Emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, miss-delivered, intercepted, decrypted or otherwise misappropriated by others.
Viruses
Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient's responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Employees for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company's Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.
Prohibited Email Content
All of our employees are prohibited from using Email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in Email. Such communications are against Company policy and outside the scope of our employee's employment. The Company does not accept any liability in respect of such communication, and the Team Member responsible will be personally liable for any damages or other liability arising. Please report any such violations to our President Jack Becker at (716) 662-2944 or [email protected]. The use of the Company's Email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our employees is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company's Email facilities for purposes of to soliciting our employees to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.
All Rights Reserved; Statements Attributable To The Company
The Company reserves all rights as to the Company's content in its Email and this Email policy statement. No part of the Company's Email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company's President.
Negligent Misstatement
The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and the Company makes no warranties, express or implied, with respect to such data or information.
IRS Circular 230 Disclosure
The Company disclaims any U.S. federal tax advice contained in or furnished through Email (including any attachments). Any reliance upon such tax advice cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party any transaction or matter that is addressed, contained in or furnished through Email (including any attachments).
Governing Law
In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company's Email, and that any disputes pertaining to this Email shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions may only be filed only in the state or federal courts located in New York.
Complaints
Any complaints should be directed to the President at (716) 662-2944 or [email protected].
Additional Terms
The products and services provided by the Company are subject to additional terms, conditions and disclaimers.
State Licensing
HB&O Funding Company Inc. is a licensed Registered Mortgage Broker (NMLS#: 3502) | New York State Department of Financial Services | All loans arranged through third party providers.
Opt-Out
This Email may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from HB&O Funding Company at this Email address: [email protected]
Equal Housing Opportunity
HB&O Funding Company is an Equal Housing Opportunity. The Company does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
Equal Opportunity Employer
The Company is an equal opportunity employer. Any complaints or concerns about the Company's employment practices may be directed to the Broker / Owner, John Eckhardt Becker (NMLS#: 4222) at (716) 662-2944 Ext. 1013.
Linking Policy and Disclaimer of Endorsement
This material may include useful hypertext links or pointers to information created and maintained by other public and private organizations and persons. We provide these links and pointers solely for our users' information and convenience. These references are not intended to reflect the opinion of HB&O Funding Company, or its officers, employee(s) or independent contractor(s) concerning the significance, priority or importance to be given the referenced entity, product, service or organization. Such references are not an official or personal endorsement of any product, person, or service, and may not be quoted or reproduced for the purpose of stating or implying HB&O Funding Company endorsement or approval of any product, person, or service.
When you select a link to an outside website, you are leaving the HB&O Funding Company domain and are subject to the privacy and security policies of the owners/sponsors of the outside website.
HB&O Funding Company does not control nor guarantee the accuracy, relevance, timeliness or completeness of information contained on an externally linked website.
HB&O Funding Company and this blog do not endorse the organizations sponsoring linked websites, and we do not endorse the views they express or the products/services they offer.
HB&O Funding Company cannot authorize the use of copyrighted materials contained in linked websites. Users must request such authorization from the sponsor of the linked website. Those who provide comments are responsible for the copyright of the text they provide.
HB&O Funding Company is not responsible for transmissions users receive from linked websites.
HB&O Funding Company I does not guarantee that outside websites comply with Section 508 (Accessibility Requirements) of the Rehabilitation Act.
Manually Remove Your Browser's Cookies
Important things you should know:
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Are you using Internet Explorer 6?
- Close all browser windows.
- Go to your Start Menu and click Settings.
- Click Control Panel.
- Double click Internet Options.
- On the General tab in the section "Temporary Files," click Delete Cookies and select OK.
Are you using Internet Explorer 7 or 8?
- With the browser open, click Tools in the menu bar.
- Click Internet Options.
- On the General tab in the section "Browsing History" click Delete.
- In the Browsing History box, click Delete Cookies and then select OK.
Are you using Firefox?
- 1. With the browser open, click Tools in the menu bar.
- Click Options and select the Privacy icon.
- In the Cookies section, click Show Cookies.
- Click Remove All Cookies and close the dialogue box.
© 2020 J.E.B. Funding, Inc d/b/a HB&O Funding Company - All Rights Reserved