If you do not agree to these Terms of Use, you may not use this website.

Your use of this website and any transactions conducted with the Company in connection with this website are subject to these Terms of Use. By accessing pages beyond the homepage, you acknowledge and agree to be bound by these Terms of Use, whether or not you complete a transaction through the website or through another channel, such as phone, email, facsimile, or otherwise.

Website Ownership and Permitted Use

This website is owned and operated by Everett Financial, Inc. dba Supreme Lending, 14801 Quorum Drive, Suite 300, Dallas, Texas 75254, referred to below as "Supreme," "we," "us," "Company," or "our."

You agree that: (a) your use of this website is subject to these Terms of Use; (b) you will only access or use this website and transact business with us if you are at least 18 years old; (c) you will comply with these Terms of Use each time you access or use this website; and (d) these Terms of Use constitute a legally binding agreement between you and Supreme.

You may use this website only for lawful purposes related to conducting mortgage banking business with Supreme. You may not use or attempt to use this website for any purpose that: (1) interferes with or induces a breach of contractual relationships between Supreme and its employees; (2) is unlawful, prohibited, harmful, or destructive; (3) transmits advertisements, solicitations, spam, flooding, unsolicited email, or other unsolicited commercial communications; (4) transmits harmful or disabling computer code or viruses; (5) interferes with our network services; (6) attempts to gain unauthorized access to our network services; (7) impairs our ability to operate this website or another person's ability to use it; or (8) manipulates internet search engine results or otherwise generates traffic for a purpose unrelated to legitimate mortgage banking business with Supreme.

Supreme reserves the right, in its sole discretion and without notice, to deny access to or use of this website. You may not represent that you have any express or implied affiliation or broker relationship with Supreme without our written permission.

You are responsible for providing and maintaining the hardware, software, telecommunications, internet access, and other products or services necessary to access and use this website. These Terms of Use may not be altered except with the express written permission of one of Supreme's Managing Partners.

Intellectual Property Rights

All content, web pages, source code, data, screens, materials, trademarks, service marks, trade names, brand names, logos, functionality, design, layout, interfaces, and other aspects of this website are owned by Supreme or otherwise protected by applicable intellectual property laws.

You may reproduce content and materials from this website only for your own personal, non-commercial use, provided that all copyright, trademark, and other proprietary notices remain intact.

You may not copy, reproduce, publish, create derivative works from, distribute, transfer, transmit, modify, adapt, frame, republish, or otherwise use content or materials from this website for any commercial or unauthorized purpose.

You may not use content, domain names, email addresses, data, trademarks, service marks, trade names, brand names, logos, or other website elements as meta-tags, hidden text, contextual marketing terms, advertising content, search triggers, or variables intended to alter or control the appearance or behavior of another browser or website.

The republication of our loan programs and rates is strictly prohibited.

Any comments, suggestions, graphics, or ideas you submit to Supreme regarding this website may become and remain Supreme's property, and Supreme may use, publish, or otherwise exploit such submissions without notice, compensation, or other obligation to you.

Linking

Links to Other Websites

For your convenience, this website may provide links to third-party websites. Unless expressly stated otherwise, Supreme does not endorse, approve, sponsor, control, or assume responsibility for the content, services, calculations, information, products, or materials available through those websites.

Supreme is not responsible or liable for damages or claims resulting from your use of third-party websites or their content.

No Advertising or Unauthorized Links

Supreme does not permit third-party advertising on this website. You may not create links to this website or any page within it without Supreme's written permission.

Revisions

Supreme may revise these Terms of Use at any time without notice. You are bound by the version of these Terms of Use in effect when you access the website.

Content, services, products, and materials available through this website may also be updated or revised without notice.

Location

Supreme controls and operates this website from within the United States. This website provides information about products and services offered in the United States.

Supreme does not represent that all products or services described on this website are available outside the United States or in every U.S. state.

You are responsible for complying with all federal, state, and local laws applicable to your use of this website.

User IDs and Passwords

Certain areas or features of this website may require a user identification and password.

You are responsible for maintaining the confidentiality of your login credentials and other identifying information. You agree to notify Supreme immediately if you believe any such information has been lost, stolen, or compromised.

You are responsible for activity conducted using credentials that you have provided to another person or that another person has obtained from you.

Privacy and Security

Security and Privacy Policy

For information on how Supreme uses and protects personal information submitted through this website, please review our Security and Privacy Policy or click the "Privacy Policy" link at the bottom of this website.

The Internet Is an Open Network

Supreme uses technologies intended to protect data and communications transmitted through designated portions of this website. However, the internet is an open system, and Supreme cannot guarantee that transmissions will not be intercepted or decrypted by others.

Indemnification

If you make unauthorized use of this website or violate these Terms of Use, you may violate applicable laws and may be responsible for damages caused to Supreme.

You agree to indemnify and hold harmless Supreme, its affiliates, vendors, licensors, employees, officers, directors, agents, and representatives from costs, claims, damages, expenses, losses, attorneys' fees, and court costs arising from or related to your use of this website or your violation of these Terms of Use.

Disclaimers

The content, services, calculations, information, products, and materials available through this website are provided "as is" and without warranties of any kind, either express or implied, to the fullest extent permitted by applicable law.

Supreme disclaims all express and implied warranties, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Supreme does not warrant that website content, services, calculations, information, products, or materials will be accurate, complete, current, uninterrupted, secure, error-free, or free from viruses or other harmful components.

Supreme does not guarantee that defects in the website will be corrected or that the website will meet your requirements.

You are responsible for any servicing, repair, correction, or restoration required for your data, software, or equipment as a result of your use of this website.

Limitation of Liability

To the fullest extent permitted by applicable law, Supreme will not be liable for any direct, special, incidental, consequential, punitive, or other damages arising from or related to your use of, or inability to use, this website or any content, services, calculations, information, products, or materials available through it.

This limitation applies regardless of the legal theory asserted, including breach of contract, negligence, tort, or otherwise, even if Supreme or its representatives have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of these limitations may not apply to you.

Where permitted by law, Supreme's total liability to you will not exceed the amount you paid, if any, to access or use this website.

Communications With the Company

Time-Sensitive Instructions

Do not use this website or email to communicate time-sensitive instructions related to your loan, loan application, or closing, including rate locks, closing cancellations, rescissions, or similar matters.

Such instructions may not be honored unless confirmed in writing by Supreme.

Loan Approvals

All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit agreements, refund agreements, and similar matters are made by Supreme only in writing.

Such approvals and related decisions are subject to the conditions stated in the applicable written communication.

E-Signature

General communications through this website or email are not intended to constitute an electronic record, electronic signature, or agreement to conduct a transaction electronically unless expressly stated otherwise and appropriate e-signature procedures are used.

Your assent to a "click to accept" button or box is binding.

Recording and Monitoring of Communications

Communications with Supreme through the website, email, or telephone may be recorded or monitored. By using these communication methods, you consent to such recording or monitoring.

Additional Terms

Certain features, products, and services offered by Supreme may be subject to additional terms, conditions, and disclaimers. Your use of those products and services is subject to those additional terms.

Permission to Be Contacted

By submitting information to Supreme through this website or otherwise, you are making an inquiry regarding lending programs and services and giving Supreme permission to contact you by email, fax, telephone, or other means, even if your phone number appears on a "Do Not Call" list, to the extent permitted by applicable law.

Agreement to Provide Accurate Information

When making a loan inquiry, submitting an application, entering into a transaction, or requesting information through this website, you agree to provide accurate, true, current, and complete information upon which Supreme may rely.

Your Cooperation Is Required

Supreme generally begins processing a loan application after receiving a full and complete application. Processing may include ordering an appraisal, credit report, title commitment, and other necessary items.

If you submit an application, you agree to cooperate with the application process, provide required documentation in a timely manner, assist in obtaining necessary information from third parties, and notify Supreme of changes to information submitted in connection with your application.

Reasonable Efforts

Supreme will use reasonable efforts to process and close your application on or before any applicable rate lock expiration date or anticipated closing date.

However, some circumstances are beyond Supreme's control, including delays involving appraisals, required documentation, the sale of an existing home, title matters, surveys, or other third-party processes.

Deposit / Refund Policy

When you submit a loan application, Supreme may advance certain third-party costs on your behalf.

If you do not complete or cooperate with the application process, withdraw your application, or choose not to close the transaction, you may be responsible for some or all of those third-party costs.

Please review your deposit agreement for terms specific to your application.

Governing Law

These Terms of Use are governed by the laws of the State of Texas, without regard to principles of conflicts of law.

Any action arising out of or relating to these Terms of Use or your use of this website must be filed in the state or federal courts located in Dallas, Texas. You consent to the personal jurisdiction of those courts.

Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision will be severed and the remaining provisions will remain valid and enforceable.