Terms of Use | Privacy Policy

Website Terms of Use

Welcome to the web site (“Site”) of Land Home Financial Services, Inc. (“Land Home Financial Services,” “Land Home”, “we” or “us”), www.LHLoanServicing.com (the "Site" or "Web Site"). Land Home Financial Services, Inc. is the sole owner of this Site. Set out below are terms and conditions for use of this Site. You agree to be bound by these terms if you use our Site. Be sure to check this page periodically for updates, as your continued use of the Site signifies your acceptance of any changed items.

THIS WEB PAGE CONTAINS A LEGAL DOCUMENT ("AGREEMENT") BETWEEN YOU THE USER COMPANY AND LAND HOME FINANCIAL SERVICES. THIS AGREEMENT STATES THE TERMS AND CONDITIONS UNDER WHICH YOU MAY USE THE LAND HOME FINANCIAL SERVICES WEBSITE ("THE SITE"). PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING AND USING THE SITE. ALL MATERIALS, SERVICES AND INFORMATION PROVIDED ON AND THROUGH THE SITE SHALL BE USED SOLELY IN ACCORDANCE WITH THE FOLLOWING TERMS AND CONDITIONS. BY USING AND ACCESSING THE SITE YOU INDICATE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT ACCEPT THIS AGREEMENT, DO NOT ACCESS AND USE THE SITE. LAND HOME FINANCIAL SERVICES RESERVES THE RIGHT TO CHANGE THE AGREEMENT FROM TIME TO TIME AT ITS SOLE DISCRETION. USE OF THE SITE IS SUBJECT TO THE MOST CURRENT VERSION OF THE AGREEMENT, AS DENOTED BY THE DATE, POSTED ON THE SITE AT THE TIME OF USE. YOU SHOULD VISIT THIS WEB PAGE PERIODICALLY TO REVIEW THE AGREEMENT.

Website Terms and Conditions

The following terms and conditions of this Agreement are made and become effective as of the date on which this Agreement is executed by and between Land Home Financial Services, Inc., located at 2042 Wooddale Drive, Suite 160, Woodbury, MN 55125 ("Land Home") and you the individual subscribing to the Site (hereinafter referred to as the "User"). Execution is considered complete when User accesses our website.

Background Facts

Land Home Financial Services has developed and owns the certain Land Home Financial Services website (the "Site") and the functionality thereof, and makes available for use on this Site information, documents, software, services and products (collectively, the "Materials") supplied by Land Home Financial Services or other third parties (hereinafter referred to collectively as "Providers") and subject to the terms and conditions set forth in this Agreement.

Our Intellectual Property

The Land Home Financial Services name and Land Home Financial Services-branded seals, logos, and related marks are registered trademarks/design marks of Land Home Financial Services. The Land Home Financial Services mark and other such marks are service mark(s) of Land Home Financial Services, Inc. All rights reserved.

Our Site and all of its contents (articles, text, photographs, images, illustrations, graphics, video material, audio material, and software — collectively, the “intellectual property”), are protected by copyright, trademark and other laws of the United States, as well as international conventions and the laws of other countries. The intellectual property is owned or controlled by Land Home Financial Services, Inc. or the party credited as the provider of the intellectual property. Additionally, the Site itself is protected by copyright as a collective work and/or compilation.

No portion of this Site may be reproduced, duplicated, copied, sold, or otherwise exploited for any commercial purpose that is not expressly permitted by Land Home Financial Services, Inc.

You may browse through the Site and occasionally download small amounts of materials appearing on the Site that are of interest to you. You must keep intact all copyright, trademark and other notices contained in your personal copies. Except as otherwise provided in these Terms & Conditions, you may not reproduce or allow others to reproduce your personal copies of downloaded materials, nor may you make them available electronically without our express written consent. You may not save or archive a significant portion of the material appearing on the Site. You may not attempt to alter or modify the content posted on the Site. Except as expressly set forth in these Terms & Conditions, you may not copy, download, display, distribute, publish, enter into a database, perform, modify, create derivative works, transmit, post, decompile, reverse engineer, disassemble or in any way exploit any of our intellectual property or the Site itself.

Proper Use of Our Site

You may not use this Site for any purpose that is unlawful or prohibited by this Terms and Conditions statement, or cause damage on or through this Site. You promise that none of your communications with or through the Site will violate any applicable local, state, national or international law.

You agree to defend, indemnify and hold Land Home Financial Services, Inc., its Managers, officers, directors, employees, agents, licensors, business associates, affiliate companies and suppliers harmless from and against any actual or threatened claims, actions or demands, liabilities and settlements including, without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your use of the Site in a manner that violates or is alleged to violate this Terms and Conditions statement or any applicable law.

Limited License

Land Home Financial Services hereby grants User a non-exclusive, non-transferable and revocable limited license to access and use the Site and applicable Materials in accordance with this Agreement solely for the benefit of User. Land Home Financial Services may terminate this license for convenience at any time without notice. User shall abide by all applicable local, state, national and foreign laws, and regulations in connection with the Site and Materials. No part of the Site may be reproduced, republished, copied, transmitted or distributed in any form or by any means.

Copyright

The Materials on this Site, as well as, the design and layout of this Site, are protected by copyright and/or other intellectual property laws and any unauthorized use of the Materials and this Site as described in the preceding paragraph may violate such laws. Except as expressly provided herein, Land Home Financial Services, Inc. and its Providers do not grant to Users of the Site any express or implied right to User under any patents, copyrights, trademarks, or trade secret information with respect to the Site and Materials.

Trademark Information

The trademarks, logos and service marks ("Marks") displayed on this Site are the property of Land Home Financial Services or other third parties. You are not permitted to use the Marks without the prior written consent of Land Home Financial Services or such third parties, which may own the Marks.

User Conduct

Land Home Financial Services may interrupt or terminate User's access to the Site or Materials:

Administration and Protection of Account and Password

User agrees to appoint an account administrator whose responsibilities will include supplying all corporate information, reviewing and accepting the terms and conditions of this Agreement and setting up employed users, where applicable. "Employed Users" shall be defined as individuals employed or contracted directly by User to perform certain tasks or services in return for financial or other compensation. In the event User has multiple locations where Employed Users reside, each location may be defined as a "Domain" and administered separately. User may also elect to appoint multiple administrators to control separate groups of Employed Users based on a factor other than location with each group also being referred to as a Domain.

User hereby accepts responsibility for, and shall be liable for, all access to restricted areas of the Site in connection with such remote user administration, and shall ensure that all Employed Users follow the terms and conditions of this Agreement. User is responsible for maintaining the confidentiality of its account number(s) and/or password(s), if applicable. User is responsible for all uses of its account, whether or not actually or expressly authorized by User.

Support

Land Home Financial Services agrees to provide standard email support, with an initial response time of two hours, during Land Home Financial Services' normal business hours of 8:00 A.M. to 5:00 P.M. Pacific Time.

Disclaimer of Warranty, Limitation of Liability, and Release

Land Home Financial Services does not guarantee the accuracy of information found on the Site. Your reliance on information found on the Site is at your own risk.

THE SITE, AND ALL ITS CONTENTS, IS PROVIDED TO YOU “AS IS.” LAND HOME FINANCIAL SERVICES MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THE RIGHTS OF THIRD PARTIES, DATA ACCURACY, OR QUIET ENJOYMENT. UNDER NO CIRCUMSTANCES WILL LAND HOME FINANCIAL SERVICES OR ANY OTHERS INVOLVED IN CREATING THE SITE AND ITS CONTENTS BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES RESULTING FROM ANY CIRCUMSTANCE INVOLVING THE SITE OR ITS CONTENT (INCLUDING BUT NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, MISDIRECTED OR REDIRECTED TRANSMISSIONS, FAILED INTERNET CONNECTIONS, UNAUTHORIZED USE OF THIS SITE, LOST DATA, DELAY IN OPERATION OR TRANSMISSION, BREACH OF SECURITY, LINE FAILURE, DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER OF THIS SITE, OR COMPUTER VIRUS, WORM, TROJAN HORSE OR OTHER HARMFUL COMPONENT), EVEN IF YOU HAVE ADVISED LAND HOME FINANCIAL SERVICES IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGE. LAND HOME FINANCIAL SERVICES DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE IN TERMS OF THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE WE MAKE REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY INFORMATION ABOUT LAND HOME FINANCIAL SERVICES ON THIS SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS ALWAYS UP TO DATE OR THAT THIS SITE CONTAINS ALL THE RELEVANT INFORMATION AVAILABLE ABOUT OUR COMPANY. WE UNDERTAKE NO OBLIGATION TO VERIFY OR MAINTAIN THE CURRENCY OF SUCH INFORMATION.

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 Land Home Financial Services's aggregate liability to you or any third party for damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Site or $100, whichever is lesser. You agree to bring any and all actions within one year from the date of the accrual of the cause of action, and that actions brought after this date will be barred.

In the event that you have a dispute with Land Home Financial Services, you release Land Home Financial Services (and our officers, directors, agents, and employees) from claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code section 1542 which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially altered his settlement with the debtor.”

Links to Other Sites

This Site may contain links to third-party Web sites that are not under the control of Land Home Financial Services. Land Home Financial Services makes no representations whatsoever about any other website to which User may have access through this Site. When User accesses a non-Land Home Financial Services website, User does so at User's own risk and Land Home Financial Services is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites or for the quality of any products or services available on such sites. Land Home Financial Services provides these links merely as a convenience and the inclusion of such links does not imply that Land Home Financial Services endorses or accepts any responsibility for the content or uses of such websites.

The use of the services or the downloading or other acquisition of any Materials through the site is done at User's own discretion and risk and with User's agreement that User will be solely responsible for any damage to User's computer system or loss of data that results from such activities. No advice or information, whether oral or written, obtained by User from Land Home Financial Services or through or from the Site shall create any warranty not expressly stated in this Agreement.

Personal Information and Privacy

To learn about how Land Home Financial Services protects User personal information, such as User's name and address, refer to the Land Home Financial Services online Privacy Policy. Please note that any non-personal information or material sent to Land Home Financial Services will generally be deemed to NOT be confidential.

Indemnification

User agrees to indemnify and hold Land Home Financial Services, and its parent, subsidiaries, affiliates, officers, agents, or other partners, and employees, harmless from any and all liabilities, claims, demands and expenses, including reasonable attorneys' fees, due to or arising out of User's use or misuse of the Site, any services therein, or for infringement by User of intellectual property rights or other rights of any third party. Land Home Financial Services may assume exclusive control of any defense or any matter subject to indemnification by User and User agrees to cooperate with Land Home Financial Services in such event.

Dispute Resolution

If a dispute arises under this Agreement, upon either party's written request or notice to the other, the parties will each appoint a designated representative to attempt in good faith to resolve such dispute. Except for disputes where preliminary injunctive relief is an appropriate remedy, no formal legal proceedings may be commenced with respect to any dispute until the designated representatives conclude in good faith that amicable resolution through continued negotiation of the matter at issue does not appear likely. Except as otherwise provided in this Agreement, this article will apply before either party may terminate this Agreement. Land Home Financial Services, however, may suspend access to the Site pursuant to the terms listed above.

Violations and Additional Terms

Land Home Financial Services reserves the right to seek all remedies available at law and in equity for violations of this Terms and Conditions statement, including suspending or blocking your access to the Site. Please see our Privacy Policy for our policies regarding privacy, which is incorporated herein by reference.

No Waiver

No delay or failure by Land Home Financial Services to enforce any of these Terms and Conditions shall constitute a waiver of any of our rights under these Terms and Conditions. Neither the receipt of any funds by Land Home Financial Services nor the reliance of any person on our actions shall be deemed to constitute a waiver of any part of these Terms and Conditions. Only a specific, written waiver signed by an authorized representative of Land Home Financial Services shall have any legal effect.

Severability

If any clause or provision set forth in this Terms and Conditions statement is determined to be illegal, invalid or unenforceable under present or future law, the clause or provision shall be deemed to be deleted without affecting the enforceability of all remaining clauses or provisions.

Governing Law and Jurisdiction

These Terms and Conditions and any disputes arising under or related to these Terms and Conditions and/or the Privacy Policy or to this Site will be governed by U.S. federal law, without reference to its conflict of law principles. Any such dispute shall be resolved exclusively in the state or federal courts in Orange County, California, where we have our headquarters. You agree to submit to the personal jurisdiction and venue of the courts of the State of California for any legal proceeding involving the Site, regardless of who initiated the proceeding.

This English-language Terms and Conditions statement is Land Home Financial Services' official agreement with users of this Site. In case of any inconsistency between this English-language Terms and Conditions statement and its translation into another language, this English-language document shall control.

Assignment

Land Home Financial Services, Inc. may assign this Agreement to another entity without any advance consent from or notice to User. User may not assign this Agreement without the consent of Land Home Financial Services.

Changes to this Agreement

Land Home Financial Services, Inc. reserves the right, in its sole discretion, to modify, alter, or otherwise change this Agreement at any time. We will provide notice of such change on this Web site. Please review the Terms of Use and/or Additional Terms periodically for changes. Your continued use of the Land Home Financial Services Web site constitutes your acceptance of, and agreement to be bound by these changes without limitation, qualification or change. If at any time you determine that you do not accept these changes, you must stop using this Web site.




Disclosure and Licenses

www.LHLoanServicing.com is a registered domain of Land Home Financial Services, Inc. with its corporate headquarters in Woodbury, MN ("LAND HOME"). LAND HOME is a licensed Debt Collection Agency. LAND HOME is not a lender, bank or loan servicer. LAND HOME does not make loans, modify loans, or render credit decisions in connection with the issuance or modification of loans. LAND HOME works on behalf of licensed Banks, Lenders and Loan Servicers to assist them in the collection of borrower information regarding debts owed to them and does not directly work as an agent or advocate for consumers. LAND HOME's services are administrative and consultative only. LAND HOME only receives its compensation from the Lenders, Banks, and Loan Servicers for the services actually provided by LAND HOME.

Licensing

Land Home Financial Services, Inc., has applied for and received a Debt Collection Agency License in the following states:

Arkansas, Arizona, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Maine, Minnesota, Maryland, Nebraska, Nevada, New Jersey, New Mexico, New York – Buffalo, New York – NYC, North Carolina, Oregon, Rhode Island, Texas (Bond only), Utah, Washington, and West Virginia.

Exemptions

Land Home Financial Services, Inc., has applied for and received Debt Collection Agency License exemptions in the following states:

Alaska, Hawaii, Michigan, North Dakota, Tennessee, Wisconsin, Wyoming

Land Home Financial Services, Inc. is authorized to do business in the following states that do not require a separate Debt Collection Agency License:

Washington D.C., Georgia, Kansas, Kentucky, Louisiana, Montana, Mississippi, Missouri, Montana, New Hampshire, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia.

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Privacy Information

Land Home Financial Services, Inc. has created this privacy statement in order to demonstrate our firm commitment to the privacy of our visitors and customers. The following discloses our information gathering and dissemination practices for this website: www.LHLoanServicing.com.

Information Automatically Collected by Our Site

As is true with most websites, we collect certain information when you visit www.LHLoanServicing.com to improve the quality of your experience. The information that we collect depends upon where you travel within our site. Anytime that you visit our site to browse, or to read or download information like our press releases, we collect and store the name of the domain and host from which you access the Internet (for example, msn.com, aol.com, etc.); the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our site; and the Internet address of the website from which you linked directly to our site, (“ID Information”.)

We use ID information to administer our website, measure the number of visitors to areas of our site, understand how visitors navigate through our Site , to help us make our site more useful and interesting to our visitors and to enhance your experience while using our Site.

Cookies

We use "cookies" on our site to enable you to save your ID information and search parameters. We also use cookies on our site to:

A "cookie" is a small text file that a website can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to make it possible for you to use the Land Home Financial Services website to communicate with us. The cookie transmits this information back to the website's computer, which, generally speaking, is the only computer that can read it. Most consumers do not know that "cookies" are being placed on their computers when they visit websites. If you want to know when this happens, or to prevent it from happening, you can set your browser to warn you when a website attempts to place a "cookie" on your computer. If you clear your browser cookies, this will remove all cookies including the opt-out cookies set by the companies. You will need to re-access the opt-out tool to reset your preferences. Our cookie only knows your last set of preferences and does not reflect the current state of cookies on your browser.

Our site relies upon the use of cookies to enhance your experience, but our cookies do not contain nor track your personally identifiable information. Our cookie only knows your last set of preferences and does not reflect the current state of cookies on your browser. Please note that some cookies may be placed by a third party service provider who performs some of these functions for us.

Online Registration Request

If you choose to provide more information to us through our online registration, you may provide your email address and create a password or provide greater detail, such as your name, address, postal address and telephone number ("Registration Information"). Your Registration Information will enable us to provide you information regarding future products and services that may suit your particular interests.

Do We Share Your Information?

We will share your Registration Information with our partners and with third party independent contractors who will help us provide you Land Home Financial Services offers via email and/or regular mail, who are bound not to share or use our data. Your Purchase information will also be sent to third party transaction provider(s) (for example, VeriSign, etc.) in order to fulfill the product that you ordered; however, these parties are contractually bound not to share your Purchase Information with anyone.

We may also disclose your personally identifying information:

We will share your personally identifying information with third parties only in the ways that are described in this Privacy Statement. We do not otherwise sell your personally identifying information to third parties.

Accessing and Updating your Personally Identifying Information

To review and update your personally identifying information to ensure it is accurate, contact us; or, if you are a Land Home Financial Services customer, use our online tools.

Land Home Financial Services will make commercially reasonable efforts to provide you reasonable access to any of your personally identifying information we maintain within 30 days of your access request. We provide this access so you can review it, make corrections or request deletion of your data. If we cannot honor your request within the 30-day period, we will tell you when we will provide access. In the unlikely event that we cannot provide you access to this information, we will explain why we cannot do so.

Links to Other Sites

This site contains links to other Web sites.

This Privacy Statement applies to Land Home Financial Services Web services only. If you submit personally identifying information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit. Land Home Financial Services is not responsible for the privacy practices or the content of such websites.

Security

We take appropriate security measures to protect against unauthorized access to; or unauthorized alteration, disclosure, or destruction; of your personally identifying information. This site has security measures in place to protect the loss, misuse and alteration of the information under our control. All credit card information utilizes state-of-the-art Secure Socket Layer (SSL) encryption technology and SET compliant. Please be aware, however, that no transmission of information via the Internet can be entirely secure. You should, therefore, always use caution when submitting personally identifying information online.

Supplementation Information

This site supplements the information that you provide with information that is received from third parties.

Changes to this Privacy Statement

Please note that this Privacy Statement may change from time to time. If we change this privacy statement in ways that affect how we use your personally identifying information, we will advise you of choices you may have as a result of those changes. We will also post a notice on our home page that this Privacy Statement has changed.

Last Updated: July 26, 2013

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