Terms and Conditions

TERMS OF USE

Site Access

Laurel Road is a tradename licensed by Darien Rowayton Bank (“DRB”), a Connecticut banking corporation. Darien Rowayton Bank conducts online business activities using the Laurel Road tradename in all 50 U.S. states, Washington, D.C. and Puerto Rico. Mortgage products are available in all 50 states and Washington, D.C. Darien Rowayton Bank conducts local banking activities in the name of Darien Rowayton Bank in the state of Connecticut. Lending services are provided by Darien Rowayton Bank.

By accessing this web site and any pages hereof, you agree to be bound by the terms and conditions below.

The site is operated in the state of Connecticut. The site can be accessed from all 50 states and the District of Columbia. As each of these states has laws that may differ from those of Connecticut, by accessing this site, both you and Laurel Road agree that the statutes and laws of the State of Connecticut, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or related to use of this site.

The design, text and images of this web site are owned or licensed by Laurel Road Finance, Inc. Laurel Road Finance, Inc. grants you limited license to access, print, e-mail, download or otherwise make personal use of its content for your noncommercial use.

Circumstances beyond Laurel Road’s control including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Laurel Road website may occasionally make the site unavailable. Data transmissions may be interrupted may offer links to other sites whose content Laurel Road is unable to monitor. As a result, your access and use of the Laurel Road website may be interrupted from time to time.

The Laurel Road site may sometimes be inaccessible or may not function properly with your web browser or operating system. Laurel Road Finance Inc. or Darien Rowayton Bank cannot be held liable for any damages that may arise from content, operation, or use of this website. In addition, you are responsible for obtaining and maintaining all access services and equipment services needed to access and use the Laurel Road website, and all costs and fees associated with the same.

For assistance with web content accessibility, contact us at 877-801-4686.

Consent to Contact

By utilizing this site and associated applications, you agree we and/or a third-party may contact you by telephone or text message at any telephone number associated with your account, including wireless telephone numbers which could result in charges to you, in order to service your account. You further agree that methods of contact may include use of pre-recorded messages, and/or use of an automatic dialing device. If you provided a wireless telephone number(s), you represent and agree you are the wireless subscriber or customary user with respect to the wireless telephone number(s) provided and have the authority to give this consent. Furthermore, you agree to notify us of any change to the wireless telephone number(s) for which you are providing your consent to be contacted.

In order to help mitigate harm to you and your account, we may contact you on any telephone number associated with your account, including a wireless telephone number, to deliver you any messages to facilitate identity protection. This can include messages to request validation, communicate suspected or actual fraudulent activity on your account, and notify you of data security breaches or potential identity theft following a data breach. These contacts will not contain any telemarketing, cross-marketing, solicitation, advertising or debt collection message of any kind. The contacts will be concise and limited in frequency as required by law. You will have the opportunity to opt-out of these communications at the time of delivery.

SMS Notifications

As used in this disclosure, SMS Notifications means any SMS (text message) communication from us to you pertaining to your account, including, but not limited to, status updates, requests for information, reminders and marketing material.

How to UNSUBSCRIBE

You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. You may also withdraw your consent by calling 877-801-4686. Any withdrawal of your consent to use SMS Notifications will be effective only after we have a reasonable amount of time to process your request.

For HELP with this Site

To request additional information, text HELP to the message you receive or contact us by phone at 877-801-4686.

How to Update Your Records

It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling 877-801-4686 or email mortgage@laurelroad.com

How to Update Your Records

It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling 877-801-4686 or by email, mortgage@laurelroad.com.

Hardware and Software Requirements

To receive SMS notifications, you must have

– an SMS-capable mobile phone

– an active mobile phone account with a communication service provider that offers SMS services

– sufficient storage capacity on your mobile phone

Charges

There are no charges for SMS notifications by Darien Rowayton Bank or its division Laurel Road, but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging, imposed by your communications service provider. Consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your mobile phone bill.

Other Important Terms

Additionally, you agree that we may send any SMS notification through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication provider.

We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, and other user or a third party.

Equal Housing Lender

Darien Rowayton Bank is an Equal Housing Lender and complies with the Federal Fair Housing Act. Darien Rowayton Bank does not engage in business practices that discriminate on the basis of race, color, national origin, religion, sex, disability, marital status or family status (including having children under the age of 18 and pregnant women). DRB also does not discriminate because all or part of your income may be derived from a public assistance program or because you have in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that monitors Darien Rowayton Bank’s compliance with the Federal Fair Housing Act is the Federal Deposit Insurance Corporation.

Darien Rowayton Bank loans are originated by Darien Rowayton Bank, NMLS #402942.