Terms & Conditions

NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. THESE TERM SAND CONDITIONS GOVERN YOUR USE OF OUR WEBSITE, https://www.huminloans.com, OUR MOBILE APPLICATION (“MOBILE APP”), ANY PAGES OF THE WEBSITE AND MOBILE APP, AND ANY OTHER ONLINE SERVICES(COLLECTIVELY, REFERRED TO AS THE “SITE”) WHICH ARE PROVIDED BY HUMIN, Ltd. (“HUMIN LOANS”). BY ACCESSING THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW.  NOTE THIS INCLUDES ALL CONTACT VIA PHONE, EMAIL OR TEXT MESSAGE.

BY ACCEPTING THESE TERMS AND CONDITIONS, YOU ALSO AGREE TO OUR PRIVACY POLICY, WHICH ALSO GOVERNS YOUR VISIT TO THIS SITE WHICH IS INCORPORATED BY REFERENCE INTO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE.

CELLULAR PHONE CONTACT POLICY

By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number, about any product or services offered by Humin Loans or its affiliates. This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider. You understand that you need not provide this consent as a condition of obtaining goods or services from Humin Loans, and that you may decline to provide or revoke your consent at any time.

We take your privacy seriously. If you have any questions regarding privacy, please read our privacy policy.

Content and Information on Loan Terms, Fees, Conditions and Limitations

This Site may provide general information about our products and services. We may discontinue or make changes to the information, products, licenses, or services described on this Site at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. Although we try to provide accurate and timely information on this Site, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this website and mobile app.

The information provided on this Site does not represent a commitment to lend. Loan applications are required. They typically (a) require full documentation and (b) are subject to underwriting approval and collateral requirements. Not all applicants will be approved. Loans are secured by liens against properties. Terms, conditions, and restrictions apply. Fees and charges apply and may vary by state, product, and loan amount. Interest rates are subject to change without notice. If an applicant does not lock in a rate at application, that rate may not be available at loan commitment, lock-in or closing. Additional payments of taxes & property insurance are required. By refinancing, the total finance charges may be higher over the life of the loan. Important information relating specifically to the loan will be contained in the loan documents, which alone will establish the borrower’s rights and obligations under the loan plan. Call for details.

Humin Loans is not, nor is it affiliated with, any governmental entity or other organization. We do not provide legal, tax, or investment advice.
FHA loans require an upfront mortgage insurance premium (MIP), paid at closing or financed into the loan amount, and an annual MIP, paid monthly as part of the loan payment. FHA 203(k) loans allow financing up to the lesser of the value of the property before renovation (plus rehab costs) or 110% of the appraised value of the property after renovation. Loan-to-value requirements for FHA loans vary by product. Maximum loan-to-value for an FHA cash-out is 80%. FHA loan amounts are subject to the FHA’s Nationwide Mortgage Limits. The FHA Streamline program is not available in connection with Texas Section 50(a)(6) loans.

VA loans are available exclusively for eligible veterans, active-duty personnel, reservists, National Guard members, and surviving spouses. VA loans require a borrower-paid funding fee, which will vary and may be financed into the loan amount. Some borrowers are exempt from the funding fee. Maximum loan guaranty amount varies per county. The VA Interest Rate Reduction Refinance Loan (IRRRL) program is not available in connection with Texas Section 50(a)(6) loans. Contact the VA for more information on these items.

USDA loans are available on single-family, primary residences. An upfront guaranteed fee and annual fees are required. The USDA loan amount (including closing costs) may be up to 100% of the appraised value. USDA loans are not available in connection with Texas Section 50(a)(6) loans. Visit https://www.rd.usda.gov/files/RD-GRHLimitMap.pdf for information on household income limits for specific counties.

Copyright and Trademarks

All content used on this Site is property of Humin Loans.  Any use of text, graphics, logos, icons, buttons, and software that is not for the exclusive objective of obtaining a mortgage loan from Humin Loans is strictly prohibited.

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The content on this Site, including but not limited to all music, audio clips, images, icons, text, design, graphics, code, software, logos, expressions, downloads, interfaces, and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, the content on this Site is protected by patent and trademark laws, the laws of privacy and publicity, and the various communication regulations and statutes. We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access this Site and view the content therein for your personal, non-commercial use in accordance with these Terms and Conditions, and not for distribution, resale, sublicensing, time-sharing or service bureau usage. We reserve all rights not expressly granted in the foregoing sentence. Any unauthorized use or other activity by you in violation of these Terms and Conditions will cause the licenses granted to you by us in this paragraph to terminate immediately and automatically.

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All marketing materials online and offline are trademarks exhibited by Humin Loans, including but not limited to the use of graphics, logos, images, and text, and cannot be used in association or a relationship in connection with any other products or services except those presented by Humin Loans.

Links

THIS SITE MAY CONTAIN LINKS TO THIRD PARTY WEBSITES. HUMIN, LTD. DISCLAIMS LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD-PARTY WEBSITES LINKED TO THIS SITE. By creating a link to a third-party website, Humin Loans does not endorse or recommend any products or services offered or information contained at the website, nor is Humin Loans liable for any failure of products or services offered or advertised at those websites. Humin Loans may remove any third-party link at any time. Such third party may have a terms and conditions different from that of Humin Loans.  If you decide to visit a third-party website via a link contained on Humin Loans website, you do so at your risk.

Accessing the Site

The Site is not intended for use by persons under the age of 18 years or for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to this Site during the times you are in a country for which use of this Site is not permitted. You are responsible for compliance with all local laws. By offering information, products, or services via this Site, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is not permitted.

To use our Site, you will need a working connection to the Internet on your computing or mobile device for which you are responsible for all costs, expenses, and fees. From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, this Site may not be available for your use. We attempt to minimize the periods of time during which the Site are unavailable.

Your use of this Site is limited to the intended functions of the Site. Unauthorized use of the Site and/or our systems, including but not limited to misuse of any information posted on the Site or unauthorized entry into any of our systems is strictly prohibited. You are prohibited from using this Site in any manner that:

  • Constitutes a commercial use other than for your own use;
  • Accesses data that is not intended for you;
  • Attempts to harvest, collect, gather, or assemble information or data;
  • Invades the privacy of, obtain the identity of, or obtain any personal information about any other user of this Site;
  • Probes, scans, tests, or attempts to exploit any vulnerability of this Site, our network, our security, or authentication measures without proper authorization;
  • Attempts to interfere with service to any user, host, or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”;
  • Copies, modifies, redistributes, reverse engineers, decompiles, disassembles any aspect of this Site or any content delivered to you via this Site, including, without limitation, any audio or video content delivered via this Site;
  • Sends unsolicited mail, including promotions and/or advertising of products and services;
  • Is unlawful, fraudulent, or deceptive;
  • Communicates any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material;
  • Violates these Terms and Conditions or any other policies or agreements that you enter into with us;
  • Encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
  • Fails to comply with applicable third-party terms; or
  • Constitutes any other inappropriate conduct, as determined by us in our sole discretion.

In addition, you may not either directly or through the use of any device, software, Internet site, web-based service, or other means:

  • Remove, alter, bypass, avoid, interfere with, or circumvent any copyright, trademark, or other proprietary notices marked on the content of this Site or any digital rights management mechanism, device, or other content protection or access control measure associated with the content on this Site including geo-filtering mechanisms;
  • Copy, download, stream, capture, reproduce, duplicate, archive, distribute, upload, publish, modify, translate, broadcast, perform, display, sell, transmit, or retransmit the content on this Site (except as expressly permitted by us or under these Terms and Conditions);
  • Incorporate the content on this Site into, or stream or retransmit the content via any hardware or software application or make it available via frames or in-line links; or
  • Create, recreate, distribute, or advertise an index or any significant portion of the content on this Site.

You may not build a business utilizing the content on this Site, whether or not for profit. In addition, you are strictly prohibited from creating derivative works or materials that otherwise are derived from or based on any of the content on this Site, including without limitation, montages, mash-ups and similar videos, and merchandise, unless it is expressly permitted by us in writing. This prohibition applies even if you intend to give away the derivative materials free of charge.

If you violate any provision of these Terms and Conditions, we reserve the right to terminate your access to this Site. Additionally, we, in our sole discretion, may suspend or terminate any user account that you have established with us at any time, with or without notice. We may at any time, with or without cause, and without prior notice to you deny you access to the Site. We may terminate these Terms and Conditions, the Site, in whole or in part, at any time without prior notice to you. In the event we terminate these Terms and Conditions, any existing transactions you have entered into with us shall remain in effect.

Portal Technology

Human, Ltd. has enabled portal technology on its Site via Loancatcher (Black Knight, Inc). To enable the use of the technology, you will be required to register as a user with Humin Loans. Humin Loans will issue a username and password to you. The username and password belong to Humin Loans and may be revoked or canceled by Humin Loans at any time and without prior notice. You are responsible for maintaining the confidentiality of the username and password. You are responsible for all activities that occur under your assigned username and password.

This Site and the portal may be used solely for conducting business with Humin Loans such as submitting applications and registering loans with Humin Loans; and obtaining other related services from Humin Loans. Humin Loans prohibits use of your username and password and the use of its Site for any other purpose.

If you believe your user name or password has been compromised, lost or stolen, someone without authorization has attempted to use your account, or your account has been accessed by someone without authorization, you must notify us immediately. If you lose or forget your username or password, contact us immediately. If you fail to notify us, you may be liable for all unauthorized activity on your account.

Communications

If you submit an e-mail address to us through this Site, we may use your e-mail address to communicate with you electronically. E-mail is not secure and you understand that there are risks associated with communicating via e-mail, including the possibility of unauthorized access, failure to receive e-mails because they have been misdirected or sent to a spam folder, and your inability to access e-mail due to power outages, hardware, or software malfunctions or failures of your computing device, or matters affecting the Internet or your access to the Internet. Do not rely on e-mail if you need to contact us immediately. For security reasons, we may not be able to respond to certain e-mail requests.

Security

We have taken steps to protect you when using the Site. Although we use administrative, technical, and physical security measures to protect you when using the Site, the Internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the Internet are absolutely secure or that a third party will not be able to access or intercept your information. We are not responsible for any electronic virus or viruses that you may encounter as you use the Internet. We suggest that you routinely scan your devices using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.

We are committed to stopping fraud, and reserve the right to take all reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on this Site without notice or permission from you. Any information obtained by monitoring, viewing, or recording may be subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. We will also comply with all court orders involving requests for such information. Actual or attempted fraud or other unauthorized use of the Site may result in criminal and/or civil prosecution and immediate termination of your right to use the Site.

Warranties, Limitations of Liability, Indemnification

THE SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THIS SITE , OR FROM YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ANY INFORMATION PROVIDED ON THIS SITE ; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING E-MAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO OR USE OF THIS SITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS SITE OR THE WEB.

WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THIS SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY OR AFFILIATED WITH US.
You agree to indemnify and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of your use of this Site in violation of these Terms and Conditions or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

Other Terms and Conditions

These Terms and Conditions will be governed by the laws of the United States and the State of Colorado without giving effect to any conflict of laws to the contrary.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS AND CONDITIONS MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES OTHERWISE SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

These Terms and Conditions and our Privacy Policy constitute the entire agreement between you and Human Loans with respect to this Site and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to this Site. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. Except as expressly set forth herein, in the event of a conflict between these Terms and Conditions and any applicable terms, the terms of these Terms and Conditions shall govern.

If any terms in these Terms and Conditions change due to applicable law or is declared invalid by order of a court, the remaining terms of these Terms and Conditions will not be affected, and these Terms and Conditions will be interpreted as if the invalid terms had not been placed in these Terms and Conditions. The headings in these Terms and Conditions are intended only to help organize these Terms and Conditions.

Changes to These Terms and Conditions

You agree that we may from time to time amend all or any part of these Terms and Conditions, including, without limitation, changing the features and functionality of the Site. We will notify you electronically of any change to these Terms and Conditions as required by applicable law. Any such changes shall take effect as soon as they are posted on the Site as indicated by the “Last Updated” date above. Your use of the Site after the date that the changes take effect shall constitute your agreement to be bound by the terms of the change. You should also review these Terms and Conditions periodically for any changes.

Contact Us

If you have any questions about these Terms and Conditions, please contact us at info@huminloans.com.

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