Privacy Policy
March 23, 2025
1. Acceptance of Privacy Policy
Welcome to Construction Loan Services II, LLC d/b/a Casa Lending and our controlled and commonly controlled affiliates and related parties (collectively, “Casa Lending” “we” or “us”) and our Privacy Policy (“Privacy Policy”). This Privacy Policy is important and affects your legal rights, so please read carefully.
By accessing or using www.casalending.com, or any other Casa Lending website, online service or mobile application and our various related websites and services and various related websites and services(collectively, the “Casa Lending Services”), you agree to be bound by this Privacy Policy and all of the terms incorporated herein by reference. By using the Casa Lending Services and/or submitting or collecting any personal data via the Casa Lending Services, you accept and expressly consent and agree to our practices surrounding the collection, use, and sharing of your personal information in accordance with thisPrivacy Policy. IF YOU DO NOT CONSENT AND AGREE WITH THE TERMS OF THIS PRIVACY POLICY, YOU CANNOT, AND WE DO NOT AUTHORIZE YOU TO, ACCESS, BROWSE, OR USETHE CASA LENDING SERVICES.
Our processing of personal information, such as your name, address, e-mail address, or telephone number, will be undertaken consistent with the requirements of applicable privacy laws, including, but not limited to, the California Consumer Privacy Act, the California Privacy Rights Act, the Virginia Consumer DataProtection Act of 2021, the Colorado Privacy Act of 2021, and the Utah Consumer Privacy Act of 2022, the Connecticut Data Privacy Act of 2022, the Texas Data Privacy and Security Act, the Oregon ConsumerPrivacy Act, the Montana Consumer Data Privacy Act, the Tennessee Information Protection Act of 2023, the Iowa Consumer Data Protection Act of 2023, the Delaware Personal Data Privacy Act of 2023, theNebraska Data Privacy Act of 2024, the New Hampshire Privacy Act of 2024, and the New Jersey DataPrivacy Act of 2024, the EU General Data Protection Regulation, the UK General Data ProtectionRegulation, and the Canadian Personal Information Protection and Electronic Documents Act. We may choose or be required by law to provide different or additional disclosures relating to the processing of personal information about residents of certain states or regions. Please refer to the Casa Lending Services for disclosures that may be applicable to you.
2. Information We Collect
2.1 Personal Information We Collect Directly from You
We receive personal information as described to you at the point of collection, pursuant to your consent, and/or when you voluntarily provide us with personal information, including:
- individual information (such as your e-mail address and phone number);
- business and guarantor information (such as your company’s address); and
- other identifying information that you voluntarily choose to provide to us (such as unique identifiers such as passwords, and personal information in messages you send to us).
In the course of providing the Casa Lending Services, we may collect additional personal information from third parties, including, but not limited to, referral partners, identity verification services, mailing list providers, credit bureaus, and publicly available sources and may combine this information with information we already have about you.
We may also collect additional information, which may be personal information, as otherwise described toyou at the point of collection or pursuant to your consent. For example, we obtain information in connection with the Casa Lending Services from or on behalf of property owners, borrowers, guarantors, purchasers and potential purchasers, lenders, servicers, investors, other transaction participants, and their affiliates about themselves, their employees, their other representatives, their equity owners, and other assets(including, but not limited to, transaction histories, personal property and products purchased, information about tenants, lease applicants and related parties, vendors and other service providers), and their other business activities (which may include information about other third parties). We may also collect information from our third-party vendors and data providers, including from private and public sources in connection with the Casa Lending Services.
2.2 Information We Automatically Collect When You Use Our Site
In order to access and use certain areas or features of the Casa Lending Services, you consent to our collection and use of certain information about your use of the Casa Lending Services through the use of tracking technologies or by other passive means, including when you receive, open, engage, forward, and/or click through the Services. Your consent to our access and use of this “passively collected” information includes, but is not limited to, the domain name of the website that allowed you to navigate to the CasaLending Services, search engines used, the internet protocol (IP) address used, the length of time spent on the Casa Lending Services, the pages you looked at on the Casa Lending Services, other webpages you visited before and after visiting the Casa Lending Services, the type of device and/or internet browser you have, the frequency of your visits to the Casa Lending Services, and other relevant statistics (collectively “Traffic Data”).
3. How We Collect Information
We collect information (including personal information and Traffic Data) when you use and interact with the Casa Lending Services, and in some cases from third party sources. Such means of collection include:
- When you access, use, or contact us through the Casa Lending Services.
- When you voluntarily provide information through the Casa Lending Services.
- If you use a location-enabled browser, we may receive information about your location and device.
- Through Cookies, Web Beacons, analytics services, and other tracking technologies (collectively, “Tracking Tools”).
4. Tracking Tools, Behavioral Advertising, and Opt Out Options
4.1 Tracking Tools
We may use tools outlined below in order to provide the Casa Lending Services, advertise to, and betterunderstand users.
- Cookies: “Cookies” are small computer files transferred to your device that contain information such as user ID, user preferences, lists of pages visited and activities conducted while using theCasa Lending Services. We use Cookies to: (i) improve and tailor the Casa Lending Services, (ii)customize advertisements, (iii) measure performance, (iv) store authentication so re-entering credentials is not required, (v) customize user experiences, and for (vi) analytics and fraud prevention. For more information on Cookies, including how to control your Cookie settings and preferences, visit http://www.allaboutCookies.org. You can also manage Cookies in your web browser (for example, Edge, Explorer, Chrome, Safari). If you choose to change your settings, you may find that certain functions or features of the Casa Lending Services will not work as intended.The following details the types of Cookies we use and why we use them:
- Absolutely necessary Cookies. These Cookies are essential to enable you to move around a website and use its features. Without these Cookies, services you have asked for, like adding items to an online order, cannot be provided.
- Performance Cookies. These Cookies collect information about how you use the CasaLending Services. Information collected includes, the Internet browsers and operating systems used, the domain name of the website previously visited, the number of visits, average duration of visit, and pages viewed. These Cookies do not collect information that personally identifies you and only collect aggregated and anonymous information.Performance Cookies are used to improve the user-friendliness of a website and enhance your experience.
- Functionality Cookies. These Cookies allow the Casa Lending Services to remember choices you make (such as your username, language preference, or the area or region you are in) and provide enhanced, more personal features. These Cookies can also be used to remember changes you have made to text size, fonts, and other customizable parts of theCasa Lending Services. The information these Cookies collect may be anonymized, and they cannot track your browsing activity on other websites.
- Web Beacons: “Web Beacons” (a.k.a. clear GIFs or pixel tags) are tiny graphic image files embedded in a web page or email that may be used to collect information about the use of the CasaLending Services. The information collected by Web Beacons allows us to analyze how many people are using the Casa Lending Services, using selected publishers’ websites, or opening emails, and for what purpose.
- Web Service Analytics: We may use third-party analytics services in connection with the CasaLending Services, including, for example, to register mouse clicks, mouse movements, scrolling activity and text typed into the Casa Lending Services. We use the information collected from these services to help make the Casa Lending Services easier to use and as otherwise set forth in Section5 (How We Use Your Information). These analytics services generally do not collect personal information unless you voluntarily provide it.
- Mobile Device Identifiers: As with other Tracking Tools, mobile device identifiers help CasaLending learn more about our users’ demographics and Internet behaviors in order to personalize and improve the Casa Lending Services. Mobile device identifiers are data stored on mobile devices that may track activities occurring on and through it, as well as the applications installed on it.Mobile device identifiers enable collection of personal information (such as media access control, address, and location) and Traffic Data.
4.2 Behavioral Advertising
We may use a type of advertising commonly known as interest-based or online behavioral advertising. This means that some of our partners use Tracking Tools to collect information about a user’s online activities to display Casa Lending ads to the user based on the user’s interests (“Behavioral Advertising”). Our partners may include third-party advertisers and other third-party service providers, and such partners may collect information when you use the Casa Lending Services, such as IP address, mobile device ID, operating system, and demographic information. These Tracking Tools help Casa Lending learn more about our users’ demographics and Internet behaviors.
4.3 Options for Opting out of Cookies and Mobile Device Identifiers
If we process Cookies based on your consent (as indicated at the time of collection of such data), you have the right to withdraw your consent at any point in time by contacting us at info@casalending.com. Please note, if you exercise this right, you may have to provide your consent on a case-by-case basis to enable you to utilize some or all of the Casa Lending Services.
You may be able to reject Cookies and/or mobile device identifiers by activating the appropriate setting on your browser or device. Although you are not required to accept Casa Lending’s Cookies or mobile device identifiers, if you block or reject them, you may not have access to all features available through the CasaLending Services.
- You may opt out of receiving certain Cookies by visiting the Network Advertising Initiative (NAI)opt out page or the Digital Advertising Alliance (DAA) opt out page, or by installing the DAA’sAppChoices app (for iOS; for Android) on your mobile device. When you use these opt-out features, an “opt-out” Cookie will be placed on your device indicating that you do not want to receive interest-based advertising from NAI or DAA member companies. If you delete Cookies on your device, you may need to opt out again. For information about how to opt out of interest-based advertising on mobile devices, please visit https://thenai.org/opt-out/mobile-opt-out/. You will need to opt out of each browser and device for which you desire to apply these opt-out features.
- Even after opting out of Behavioral Advertising, you may still see Casa Lending advertisements that are not interest-based (i.e., not targeted toward you). Also, opting out does not mean that CasaLending is no longer using Tracking Tools. Casa Lending still may collect information about your use of the Casa Lending Services even after you have opted out of Behavioral Advertising and may still serve advertisements to you via the Casa Lending Services based on information it collects through the Casa Lending Services.
This Privacy Policy does not cover the use of Cookies and other Tracking Tools by any third parties, andwe are not responsible for the privacy practices of any third party. Please be aware that some third-partyCookies can continue to track your activities online even after you have left the Casa Lending Services.
4.4 “Do Not Track” (DNT) and Universal Opt-Out Preference Signals
Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a “Do NotTrack” (DNT) or similar feature that signals to web services that a visitor does not want to have their online activity and behavior tracked. If a web service operator elects to respond to a particular DNT signal, the web service operator may refrain from collecting certain personal information about the browser’s user. Not all browsers offer a DNT option and there is currently no industry consensus as to what constitutes aDNT signal. For these reasons, many web service operators, including Casa Lending, do not proactively respond to DNT signals. For more information about DNT signals, visit http://allaboutdnt.com.
New standards are being developed for a Universal Opt-Out Mechanism, such as the Global Privacy Control(GPC), which allow users with GPC-enabled browsers and devices to send a signal that will communicate the user’s request to opt-out of sales of their personal information and to opt-out of certain sharing of their personal information. The CPRA and other laws allow for the acceptance of Opt-Out Preference Signals such as the GPC, as an option for users to transmit an Opt-Out of selling/sharing personal information. If we detect and recognize such a signal from your device or browser, we will honor it.
5. How We Use Your Information
We do not engage in automated decision making. We may use information (including information that has been de-identified and/or aggregated) to better understand who uses the Casa Lending Services and how we can deliver a better user experience. We use information, including personal information, to provide theCasa Lending Services and to help improve the Casa Lending Services, to develop new services, and to advertise our services. Specifically, such use may include:
- Providing you with the products, services, and information you request, including facilitating marketing, underwriting, lending, servicing, and collections.
- Corresponding with you.
- Providing, maintaining, administering, or expanding the Casa Lending Services, performing business analyses, and for other internal purposes.
- Combining information received from third parties with information that we have from or about you and using the combined information for any of the purposes described in this Privacy Policy.
- Showing you advertisements, including interest-based or online behavioral advertising.
- Fulfilling our legal obligations, such as preventing, detecting, and investigating security incidents, fraud, and potentially illegal or prohibited activities. For example, to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions o obtain, verify, and record information that identifies each person who submits a loan application.When you submit an application with us, we will ask for your name, mailing address, and other personally identifiable information that will allow us to verify your identity. We may also ask to see a driver’s license or other identifying documents
- Enforcing our Privacy Policy and other agreements
By providing your e-mail and/or phone number and checking a box, clicking the “complete” button, or some other affirmative act, you are consenting to receive e-mails and/or calls and text messages, including live, prerecorded, and/or automated calls and messages, to that email or phone number. After signing up, you will receive a confirmation e-mail or text message from Casa Lending on your mobile number. This agreement is not entered into as a term or requirement of any purchase or promotion. Normal message anddata rates may apply. Message frequency may vary. Neither we nor the participating carriers guarantee that messages will be delivered. We may discontinue these programs at any time without notice.
6. How We Share Your Information
In certain circumstances, and in order to perform the Casa Lending Services, we may share certaininformation about you as described in this section:
We do not sell your personal information to third parties.
- We may share your personal information with other entities we own or control, and third parties involved in a transaction we are undertaking with you and/or the business you represent.
- We may disclose your personal information to credit bureaus to evaluate your credit worthiness prior to a loan being approved or a third party acquiring the servicing rights or ownership rights of the loan from us.
- We may disclose your personal information to businesses you represent in furtherance of the relationship between us and the business for which you are a representative.
- We may share your personal information with our partners to customize or display our advertising.
- We may share your personal information and/or Traffic Data with our partners who perform operational services for us (such as hosting, billing, fulfillment, data storage, security, insurance verification, web service analytics, or ad serving).
- We may share your personal information and/or Traffic Data with our partners to analyze device activities and generate targeted advertisements.
- We may transfer your personal information to another company in connection with a proposed merger, sale, acquisition or other change of ownership or control by or of Casa Lending (whether in whole or in part). We will make reasonable efforts to notify you before your information becomes subject to different privacy practices.
- We also may need to disclose your personal information or any other information we collect about you if we determine in good faith that such disclosure is needed to: (1) comply with or fulfill our obligations under applicable law; (2) protect the rights, property or safety of you, Casa Lending or another party; (3) enforce this Privacy Policy or other agreements with you; or (4) respond to claims that any posting or other content violates third-party rights.
7. Collection and Use of Sensitive Information
We have collected the following categories of sensitive personal information from consumers within the last twelve months:Government identifiers
- Complete account credentials
Racial or ethnic origin
- Mail, email, or text message contents
- Citizenship
We do not use or disclose sensitive personal information for purposes other than those specified in the CCPA/CPRA.
8. Storage and Security of Information
Any information you send to us electronically, while using the Casa Lending Services or otherwise interacting with us, may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us. Please be aware, despite our best efforts, no security measures are perfect or impenetrable, and we cannot guarantee “perfect security.” Any information you send us through any means is transmitted at your own risk.
9. Your Choices
9.1 Information You Provide
You can choose whether or not to provide personal information through the Casa Lending Services. We will not discriminate against you for exercising any of your rights relating to your personal information and will not (i) deny you goods or services, (ii) provide you with a different level or quality of services, or (iii)charge you different prices for services for doing so.
9.2 California Privacy Rights
In the preceding 12 months, Casa Lending has collected and disclosed for a business purpose the following categories of personal information about California consumers: identifiers such as name, address, email address, and IP address; personal information categories listed in the California Customer Records statute, including name and professional or employment-related details; and protected classification characteristics under California or federal law, such as age, citizenship, nationality, ancestry, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender identity and expression), pregnancy or childbirth and related medical conditions, sexual orientation, veteran or military status, and proof of eligibility to work. We also collected commercial information such as records of personal property, products or services purchased, obtained, or considered, as well as browsing and search history, and information on consumer interactions with Casa Lending services (internet or other similar network activity). In addition, geolocation data, including location and movement data, was collected. All of the above categories of information were disclosed to organizations providing services to Casa Lending. We did not collect or disclose professional or employment-related information unrelated to our services, biometric information, non-public education information, or inferences drawn from personal information.
Purposes for Collection, Use, and Sharing. We use and disclose the personal information we collect for our commercial purposes, as further described in this Privacy Policy, including for our business purposes with our partners and service providers as follows:
- Legal compliance and auditing related to our interactions with you.
- Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and exercising our related rights.
Performing and improving our services (by us or our service provider(s)).
- Internal operations.
- Other one-time or short-term uses.
Your Rights. If you are a California resident you may have the following rights under the CCPA/CPRA in relation to personal information we have collected about you, to the extent required by the CCPA/CPRA and subject to verification:
Right to Know/Access: You have the right to request certain information about our collection and use of personal information about you as described below:
- The specific pieces of your personal information collected.
- The categories of your personal information collected.
- The categories of sources from whom your personal information is collected.
- The purpose for collecting your personal information.
- The categories of third parties with whom we have shared your personal information.
Right to Delete: You have the right to request that we delete certain personal information we have about you.
Freedom from Discrimination: You have the right to be free from unlawful discrimination forexercising any of your privacy rights.
Right to Correct: You have the right to request that we correct inaccurate personal information regarding the information you provide us.
Right to Restrict the Use of Sensitive Personal Information: You have the right to restrict the use of your sensitive personal information.
Right to Access Information on Automated Decision-Making: You have the right to access information collected through automated decision-making. Additionally, you can opt-out of our use of automated decision-making related to your personal information.
To make a request in relation to the above rights, please contact us using the information in Section 14 below. To fulfill your request, we will need to verify your identity. Only you or someone legally authorized to act on your behalf may make a request related to your personal information. To designate an authorized agent, the authorized agent must provide sufficient information that allows us to reasonably verify that you authorize them to act on your behalf.
9.3 Canada, European Union and United Kingdom Privacy Rights
If our processing of your personal information is subject to GDPR, UK GDPR, and/or PIPEDA, and unless subject to an exemption, you may have the following rights with respect to your personal information:
Right of Access: You have the right to view and request copies of your personal information.
Right to Rectification: You have the right to request that your inaccurate or outdated personal information be updated or corrected.
Right to be Forgotten/Right to Erasure: You have the right to request your personal data be deleted, upon providing verification to us.
Right to Restrict Processing: You have the right to request the restriction or suppression of our processing of your personal information.
Right to be Informed: You have the right to be informed about the collection and use of your personalinformation.
Right to Data Portability: You have the right to ask for your personal information to be transferred to you or to another controller.
Right to Withdraw Consent: You have the right to withdraw previously given consent to process your personal information.
Right to Object: You have the right to object to the processing of your personal information.
Right to Object to Automated Processing: You have the right to object to decisions being made with your personal information solely based on automated decision making or profiling.
We will need to verify your identity to process any requests described in this Section and may deny your request if we are unable to verify your identity. Government or other identification may be required.If you are a resident of the European Economic Area (“EEA”), when we process your personal information, we will only do so in the following situations:
- We need to use your information to perform our responsibilities under our agreement with you.
- We have a legitimate interest in processing your personal information. For example, we may process your personal information to send you marketing communications, to communicate with you about the Casa Lending Services, and to provide and improve the Casa Lending Services.
- We have your consent to do so.
If your personal data is subject to GDPR or UK GDPR, we will transfer personal data from the EEA to a location outside the EEA only when there has been a documented adequacy determination, or where we have confirmed adequate privacy protections. If your personal data is subject to PIPEDA, we will transfer personal data from Canada to locations outside Canada only where we have confirmed adequate privacy protections. If we transfer personal data to a third party acting as our agent, we will also obligate the third party to have adequate privacy protections in place.
10. How Long We Retain Your Information
We retain personal information about you for as long as necessary to provide you the Casa LendingServices. In some cases, we retain personal information for longer, if doing so is necessary to comply with our legal obligations, or as otherwise permitted by applicable law. Afterwards, we retain some information in a de-identified and/or aggregated form but not in a way that would identify you personally.
11. Information Provided on Behalf of Children and Others
The Casa Lending Services are not intended for use by children. Individuals under the age of 18 may not use the Casa Lending Services. Casa Lending does not knowingly collect any information from children. If you are under 18, do not attempt to register for the Casa Lending Services or send us any personal information. By accessing, using and/or submitting information through the Casa Lending Services, you represent that you are not younger than 18 and that you have authority to do so. If you are a parent or legal guardian of a minor child, you may, in compliance with this Privacy Policy, use the Casa Lending Services on behalf of such minor child. Information you provide through the Casa Lending Services on behalf of a minor child will be treated as personal information as provided herein. If you use the Casa Lending Services on behalf of another person, regardless of age, you represent and warrant that you have authority to do so.
12. Third Party Web Services
The Casa Lending Services may contain links or content from third party websites. A link or content from a third-party website does not mean we endorse that website, the accuracy of information presented, or the persons or entities associated with that website. If you visit a third-party website, you are subject to the privacy policy of the applicable third party and we are not responsible for the policies and/or practices of any third party. We encourage you to ask questions before you disclose your information to others.
13. Updates and Changes to Privacy Policy
The effective date of this Privacy Policy is set forth at the top of this webpage. We will notify you of any material change by posting notice on this webpage. Your continued use of the Casa Lending Services after the effective date of any amendment to this Privacy Policy constitutes your acceptance of the amendedPrivacy Policy. We encourage you to periodically review this page for the latest information on our privacy practices. Any amended Privacy Policy supersedes all previous versions. IF YOU DO NOT AGREE TO FUTURE CHANGES TO THIS PRIVACY POLICY, YOU MUST STOP USING THE Casa LendingSERVICES AFTER THE EFFECTIVE DATE OF SUCH CHANGES.
14. Contact Us
The data controller for the purposes of GDPR, UK GDPR, PIPEDA or other data protection laws is CasaLending. If you have any questions about this Privacy Policy, please contact us at info@casalending.com or at:
Casa Lending
Attn: Data Privacy
1019 39th Ave SE, Suite 220
Puyallup, WA 98374
For inquiries, please call 206.267.2650
Terms of Service
March 25, 2025
1. Acceptance of Terms
These Website Terms of Service (these “Terms”) govern your access to websites and related services operated by or on behalf of Construction Loan Services II, LLC d/b/a Casa Lending and our controlled and commonly controlled affiliates and related parties (collectively, “Casa Lending” “we” or “us”). TheseTerms are important and affect your legal rights, so please read them carefully (including the arbitration and class action waiver provisions). Note that Section 14 of these Terms contains a mandatory arbitration provision that requires the use of arbitration on an individual basis and limits the remedies available to you in the event of certain disputes.
By accessing or using www.casalending.com , or any other Casa Lending website, online service or mobile application and our various related websites and services (collectively, the “Casa Lending Services”), you agree to be bound by these Terms and all of the terms incorporated herein by reference.
Please note that your loan application for a funding account with Casa Lending is subject to a separate agreement that will be provided to you upon application.
You must be 18 years of age or older and reside in the United States or any of its territories to use the CasaLending Services. By accepting these Terms, you represent that you have the legal authority to do so, and that, if you have accepted these Terms on behalf of any person or entity, you represent that you have legal authority to do so and that such person or entity agrees to be responsible to us if you or such person or entity violates these Terms. If you do not agree to every provision of these Terms, you may not, and we do not authorize you to, access or use the Casa Lending Services or any features provided therein.
By accessing or using the Casa Lending Services, you represent and warrant that you have not beenpreviously suspended or removed from the Casa Lending Services or engaged in any activity that couldresult in suspension or removal from the Casa Lending Services.
You should not construe Casa Lending’s publication of any content found on the Casa Lending Services as an endorsement by Casa Lending of the views expressed therein, or any warranty or guarantee of any strategy, recommendation, treatment, or action made by the author of such content.
We may revise these Terms at any time for any reason and may provide you notice of these changes by any reasonable means, including through the Casa Lending Services. You can determine when we last updated these Terms by referring to the “Last Updated” legend at the top of these Terms. Except to the extent that your express consent to any revised Terms is required under applicable law, by continuing to access, browse or use the Casa Lending Services, you agree to any revised Terms. If you do not agree to any revised Terms, you may not and we do not authorize you to use the Casa Lending Services. We strongly recommend that you periodically visit this page to review these Terms.
2. User Registration
In order to access and use certain areas or features of the Casa Lending Services, you may need to create an account and provide certain information and/or answer certain questions. Each registration is for a single user only.
You agree to (a) provide accurate, current and complete information, (b) maintain and promptly update, as necessary, your information, (c) be responsible for the acts or omissions of any third party who has authority to access or use the Casa Lending Services on your behalf, and (d) immediately notify us if you discover or otherwise suspect any security breaches related to the Casa Lending Services. If you provide information that is untrue, inaccurate, not current or incomplete, we may suspend and/or terminate your current or future use of the Casa Lending Services.
By providing information and/or answering questions, you also consent to receive electronic communications from Casa Lending (e.g., via email or by posting notices to the Casa Lending Services).You should maintain copies of electronic communications from us by printing a paper copy or saving an electronic copy.
We may also send you promotional communications via email, including, but not limited to, newsletters, special offers, surveys and other news and information we think will be of interest to you. You may opt out of receiving these promotional emails at any time by following the unsubscribe instructions provided therein.
As used herein, the words "your account" refer to the account held by a bank, securities firm or other financial institution from which payment will be made when you make transactions using the Casa LendingServices. The words "your bank" mean the bank, securities firm or other financial institution that holds your account.
The Casa Lending Services permit you to perform certain activities, including enabling you to pay your loan bill online by authorizing payments for your account(s) as more fully described herein. Each time you initiate a transaction, you authorize us or our agent to initiate a payment transaction in your name to the account you specify in the amount you request, payable to us or to our agent, in the amount of the transaction. By providing us with payment instructions, you authorize us to follow such instructions and process such payments.
For each such transaction, your bank may assess its customary per-check or item-handling charge, if any.You also agree to pay us a service charge for each dishonored check or draft to reimburse us for any costs of collection. Your bank may also assess its customary charge for such items.
In connection with using your account, you may choose to provide credit card information that one of CasaLending’s designated third-party payment processors, who will process and store such credit card information separately from the Casa Lending Services in order to facilitate your payment transactions.Casa Lending has no responsibility or liability for your credit card and/or such transactions.
If any transaction initiated hereunder (whether check or draft drawn by us or our agent in connection with such transaction) is not honored by your bank, fees may be assessed in accordance with your loan documentation. In addition, we may cancel your right to utilize the Casa Lending Services.
If a transaction is not completed as you have directed or if we do not complete a transfer from your account on time in the correct amount, we will be responsible for actual third party losses incurred by you. However, there are some exceptions. We will not be liable to you in the following instances:
• If, through no fault of ours, your account does not contain enough money to complete the transaction;
• If the funds in your account are subject to legal process or other encumbrance restricting the transaction; and
• If circumstances beyond our control (such as fire, flood, network outages, computer, mechanical r telecommunication failure, or unavailability of payment system, or any problems caused by borrower bank ) prevent the transaction, despite reasonable precautions that we have taken.
Each of us and you agree to be bound by the NACHA ACH Operating Rules and Guidelines, and theElectronic Fund Transfer Act as each pertain to any ACH transactions initiated by us following your instructions, and you acknowledge that the origination of ACH transactions to the account(s) provided in your payment instructions must comply with the provisions of all applicable laws. You agree that we may comply with payment instructions arising from your user ID and password for your accounts, and you must notify us immediately at legalnotices@constructionloanservices.com in the event you believe any user ID or password has been used (or may be used) without your permission.
3. Right to Access and Use the Casa Lending Services and Content
Unless otherwise indicated in writing by us, the Casa Lending Services and all content and other materials contained therein, including, without limitation, any Casa Lending service mark or logo and all designs, text, graphics, pictures, information, data, software, other files and the selection and arrangement thereof(collectively, “Content”) are the property of Casa Lending or our licensors or users, as applicable, and are protected by U.S. and international copyright and other laws.
Subject to these Terms, you are hereby granted a limited personal, revocable, non-exclusive, nontransferable, non-sublicensable right to access, view and make personal, non-commercial use of the CasaLending Services and Content. All rights not expressly granted herein are reserved. You do not acquire any ownership interest in the Casa Lending Services or Content under these Terms, or any other rights there to other than to use the Casa Lending Services in accordance with the rights granted by, and subject to all terms, conditions and restrictions of these Terms.
You do not have any right to, and you shall not, directly or indirectly: (a) sell, resell or use commercially the Casa Lending Services or Content, (b) distribute, publicly perform or publicly display the Casa LendingServices or any Content, (c) modify or otherwise make any derivative uses of the Casa Lending Services or Content, or any portion thereof, (d) use any data mining, robots or similar data gathering or extraction methods, (e) download (other than page caching) any portion of the Casa Lending Services or Content, except as expressly permitted by us, (f) use the Casa Lending Services to stalk, threaten, or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity; (g) interfere with the Casa Lending Services or servers or networks used in connection with the Casa Lending Services; or (h) use the Casa Lending Services or Content other than for their intended purposes.
Any use of the Casa Lending Services or Content other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the right of access and use granted herein.Such unauthorized use may also violate applicable laws, including, without limitation, copyright and trade mark laws and applicable communications regulations and statutes. Except as expressly permitted herein, nothing in these Terms shall be construed as conferring any right or license to any patent, trademark, copyright, or other proprietary rights of Casa Lending or any third party, whether by estoppel, implication or otherwise.
You will not remove, alter, or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any Content and you will not reproduce, modify, adapt, prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, sell, license, or otherwise exploit any Content.
We reserve the right in our sole discretion to modify, suspend or discontinue, temporarily or permanently, the Casa Lending Services (or any features or parts thereof) at any time.
4. Trademarks
The Casa Lending logo, and any other Casa Lending product or service names, trademarks, logos, or other indicia that may appear on the Casa Lending Services (“Marks”) are the property of Casa Lending or its subsidiaries, affiliates or third parties, and may not be copied, imitated, or used, in whole or in part, with out our prior written permission. Nothing contained in these Terms and/or the Casa Lending Services shall be construed as granting, by implication or otherwise, any license or right to use any such Marks without the prior written permission of Casa Lending or such third party that may own such Marks.
5. Legal Requirements; Privacy Policy
Our Privacy Policy describes how we handle the personal information you provide to us when you use theCasa Lending Services. For an explanation of our privacy practices, please visit our Privacy Policy locatedat https://www.casalending.com/legal?tab=tabprivacy.
6. User Content
You are solely responsible and liable for all data, information, and other materials (“User Content”) that you submit, upload, post, e-mail or otherwise transmit (“Transmit”) in connection with the Casa LendingServices. In addition, we have no control over, and shall have no liability for, any damages resulting from the use (including without limitation, republication) or misuse by any third party of information made public through the Casa Lending Services. IF YOU CHOOSE TO SUBMIT TO US, OR OTHERWISE MAKE ANY USER CONTENT PUBLICLY AVAILABLE, YOU DO SO AT YOUR OWN RISK AND WE SHALL HAVE NO LIABILITY THEREFOR.
You agree that you will not, and will not permit anyone else to, directly or indirectly: (a) Transmit any UserContent that is unlawful, harmful, threatening, abusive, hateful, obscene, harassing, tortious, defamatory, libelous, slanderous, pornographic, profane, vulgar, offensive, lewd, invasive of another’s privacy or racially, ethnically or otherwise objectionable; (b) Transmit any User Content: (i) that you do not have theright to Transmit, under any law or contractual or fiduciary relationships, including, without limitation, anyinside information or proprietary or confidential information; (ii) that infringes any patent, copyright, trademark or other intellectual property right or misappropriates any trade secret or right of privacy of any third-party; (iii) that constitutes unsolicited or unauthorized advertising or promotional materials, “spam,”“chain letters,” or pyramid schemes; or (iv) that contains any software routine, code, instruction or virus that is designed to disable, delete, modify, damage or erase software, hardware or data; or (c) forge headers or otherwise manipulate identifiers in order to disguise any User Content Transmitted through the CasaLending Services.
Although we have no obligation to screen, edit or monitor User Content, we reserve the right, and have absolute discretion, to remove, screen or edit User Content posted or stored on the Casa Lending Services at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content you post or store on the Casa Lending Services at your sole cost and expense
7. Rights in User Content
We do not claim any ownership interest in User Content. However, by uploading, posting or submittingUser Content to the Casa Lending Services or to our pages or feeds on third-party social media platforms(e.g., Casa Lending’s Facebook page, LinkedIn page or X formerly Twitter feed), you hereby grant CasaLending a nonexclusive, royalty-free, worldwide, perpetual, irrevocable and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and publicly display your User Content, in whole or in part, in any manner or media and for any purpose whatsoever at our sole discretion, including, without limitation, for publicity, promotional, advertising, trade, business, illustration, artistic and other commercial and noncommercial purposes. However, CasaLending will only share personal information that you provide in accordance with our Privacy Policy.
You agree that Casa Lending may disclose or use any User Content for any purposes permitted under applicable law, including, but not limited to: (a) enforcing these Terms; (b) complying with any laws, regulations or rules of any federal, state or local government or agency; (c) responding to claims that anyUser Content violates the rights of third parties; or (d) protecting the rights or property of Casa Lending, its customers or the public.
8. Feedback
Separate and apart from User Content, you can submit questions, comments, suggestions, ideas, original or creative materials or other information about Casa Lending, or the Casa Lending Services (collectively,“Feedback”). Feedback shall become the sole property of Casa Lending. Casa Lending shall own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and shall be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
9. Third-Party Sites
We have not reviewed all of the websites linked to the Casa Lending Services and are not responsible for the content of any third-party pages, any other websites linked to the Casa Lending Services, or any products or services offered by third parties. Nothing in the Casa Lending Services, including, without limitation, any links to other websites, should be construed as an endorsement by Casa Lending of any products, services or information of any other persons or companies. Your choice to access a link to any other website is at your own risk, and you agree to comply with all terms and conditions relating to such websites. CasaLending reserves the right not to link, or to remove the link, to a particular website at any time.
Any links to third-party websites are provided as a convenience to you and are neither owned nor operated by Casa Lending. We have no control over these linked websites and make no representations or warranties with respect to these linked websites or third-party products or services. Your viewing and use of any third party websites is at your sole discretion and risk.
10. Indemnification
You shall indemnify, hold harmless, and, at Casa Lending’s option, defend Casa Lending and its affiliates and subsidiaries from and against any and all losses, damages, liabilities, costs (including reasonable attorneys’ fees) (“Losses”) incurred by Casa Lending resulting from any third-party claim, suit, action or proceeding relating to or arising from your use of the Casa Lending Services, any User Content, anyFeedback you provide, any violation of these Terms by you, or any other act or omission by you, including your violation of any rights of another, arising from your use of the Casa Lending Services or any of its features. You further agree that Casa Lending shall have control of the defense or settlement of any third party claims unless Casa Lending exercises its option to require you to defend Casa Lending. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Casa Lending.
11. General Disclaimers
THE CASA LENDING SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT PERMISSIBLE BYLAW, CASA LENDING DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO: (A) THE CASA LENDING SERVICES; (B) CONTENT; (C) USER CONTENT; OR (D) SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO OR FROM THE CASA LENDING SERVICES.CASA LENDING HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED,INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THAT ANY RESULTS WILL BE ACHIEVED, NON INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION AND FREEDOM FROM COMPUTER VIRUS.
CASA LENDING DOES NOT REPRESENT OR WARRANT THAT THE CASA LENDING SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; ORTHAT THE CASA LENDING SERVICES OR THE SERVERS THAT MAKE THE CASA LENDING SERVICES AVAILABLE ARE FREE FROM ANY HARMFUL COMPONENTS, INCLUDING,WITHOUT LIMITATION, VIRUSES. CASA LENDING DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE CASA LENDING SERVICES IS ACCURATE, COMPLETE, OR USEFUL.YOU ACKNOWLEDGE THAT YOUR USE OF THE CASA LENDING SERVICES IS AT YOUR SOLE RISK. CASA LENDING DOES NOT WARRANT THAT YOUR USE OF THE CASA LENDING SERVICES IS LAWFUL IN ANY PARTICULAR JURISDICTION. CASA LENDING SPECIFICALLY DISCLAIMS ALL SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO YOU AND THESE TERMS.
BY ACCESSING OR USING THE CASA LENDING SERVICES YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS ORUSE THE CASA LENDING SERVICES.
13. Limitation of Liability;
WaiverTO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CASA LENDING BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OFANY KIND (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE, INCOME OR PROFITS,LOSS OF USE OR DATA, LOSS OR DIMINUTION IN VALUE OF ASSETS OR SECURITIES, OR DAMAGES FOR BUSINESS INTERRUPTION) ARISING OUT OF OR IN ANY WAY RELATED TOTHE ACCESS TO OR USE OF THE CASA LENDING SERVICES (INCLUDING, BUT NOT LIMITED TO, USER CONTENT AND LINKS TO THIRD-PARTY WEBSITES), OR THE ORDER, RECEIPT ORUSE OF ANY PRODUCT OR SERVICE, OR OTHERWISE RELATED TO THESE TERMS(INCLUDING, BUT NOT LIMITED TO, ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE ON ANY INFORMATION OBTAINED FROM CASA LENDING, OR FROM EVENTS BEYOND CASA LENDING’S REASONABLE CONTROL, REGARDLESS OF THE FORM OF ACTION, WHETHER BASED IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO,SIMPLE NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED) OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF CASA LENDING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE).
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE MAXIMUM AGGREGATE LIABILITY OF CASA LENDING ARISING OUT OF OR IN ANY WAY RELATED TO THE CASA LENDING SERVICES EXCEED ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS SHALL APPLY EVEN IN THE EVENT YOUR REMEDIES HEREUNDER FAIL OF THEIR ESSENTIAL PURPOSE, AND THE FOREGOING SHALL CONSTITUTE CASA LENDING’S SOLE LIABILITY AND OBLIGATION IN RESPECT HEREOF.IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE YOUR RIGHTS UNDER CALIFORNIA CIVIL CODE 1542, WHICH STATES “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
14. Arbitration
PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH CASA LENDING AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US.
YOU AND CASA LENDING AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OR THE CASA LENDING SERVICES SHALL BE FINALLY DECIDED BY BINDING ARBITRATION UNDER THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION GOVERNING CONSUMER DISPUTES.
Arbitration uses a single, neutral arbitrator to decide a dispute (instead of a judge or jury); arbitration allowsf or more limited discovery than in a court case; and the arbitration process and result is subject to very limited review by courts. In an arbitration you have the right, at your expense, to be represented by an attorney of your choosing. Arbitrators can award the same damages and relief under these Terms that a court can award under these Terms. You and Casa Lending agree that any in-person arbitral hearing would occur in the United States in the same county and state as your billing address. Casa Lending further agrees that your filing fee for an arbitration will be capped at the amount set by the American Arbitration Association. You agree that, by agreeing to these Terms, the U.S. Federal Arbitration Act governs the interpretation and enforcement of this provision, and that you and Casa Lending are each waiving the right to a trial by jury and/or to participate in a class action. This arbitration provision shall survive termination of these Terms and the termination of your use of the Casa Lending Services. Further, unless both youand Casa Lending agree otherwise, the arbitrator may not join or consolidate more than one person’s claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.
15. Class Action Waiver
REGARDLESS OF THE FORUM, YOU AND CASA LENDING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT ASA PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
16. Termination
Notwithstanding anything contained in these Terms, we reserve the right, without notice and in our sole discretion, to terminate your right to access or use the Casa Lending Services at any time and for any or no reason, and you acknowledge and agree that in such event we shall have no liability or obligation to you.
17. Governing Law and Jurisdiction
Casa Lending operates the Casa Lending Services from Washington, U.S.A. These Terms and the transactions they contemplate, including without limitation their interpretation, construction, performance, and enforcement, shall be governed by the laws of the State of Washington U.S.A., including its statutes of limitations, but without reference to conflict or choice of law provisions. The International Convention on the Sale of Goods, and other international treaties that are not mandatory with respect to contracts made and performed entirely in Washington shall not apply. The sole and exclusive jurisdiction and venue for any litigation arising out of this Agreement shall be state and federal courts sitting in Wilmington, Delaware, and the parties agree not to raise, and waive, any objections or defenses based upon venue or forum non conveniens with respect to such courts.
18. Notice
All notices, demands, or consents given by you under these Terms will be in writing and will be deemed given when delivered to Casa Lending at the following contact: legalnotices@constructionloanservices.com. Any notices to you may be made via either e-mail or postal mail to the address in Casa Lending’s records or via posting on the Casa Lending Services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing.
Persons with disabilities who need assistance accessing these Terms may contact us as provided for in thisSection, and depending on your individual needs, we will grant reasonable requests to furnish these Terms in an alternative format.
19. Severability
If any term, clause or provision of these Terms is held invalid or unenforceable, then that term, clause or provision will be severable from these Terms and will not affect the validity or enforceability of any remaining part of that term, clause or provision, or any other term, clause or provision of these Terms.
20. Procedure for Making Claims of Copyright Infringement
If you believe in good faith that any of the content on the Casa Lending Services infringes your copyright, you may submit a takedown notice through our DMCA Policy.
21. Miscellaneous
The Casa Lending Services are hosted in the United States of America. If you are located outside of theUnited States of America and you contact us, please be advised that any information you provide to us will be transferred to the United States of America and that by submitting information, you explicitly authorize such transfer. These Terms constitute the entire agreement between you and Casa Lending relating to your access to and use of the Casa Lending Services. These Terms, and any rights granted hereunder, may not be transferred, or assigned by you without the prior written consent of Casa Lending. No waiver of any provision of these Terms will constitute a waiver of such provision in any prior, concurrent, or subsequent circumstance, and Casa Lending’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity.in this Website and/or any of the Services and/or information on the Services directly or indirectly resulting from, arising out of, relating to or in connection with events beyond the reasonable control of Casa Lending, including, without limitation, Internet failures, equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, earthquakes, explosions, war, terrorism, governmental actions, orders of courts, agencies or tribunals or non-performance of third parties. The provisions of this paragraph are in addition to, and not intended to limit or modify, the limitation of Limitation of Liability section as stipulated above.
Digital Millennium Copyright Act Policy
Welcome to https://www.casalending.com (the “Site”). We respect the intellectual property rights of others just as we expect others to respect our rights. Pursuant to Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c), a copyright owner or their agent may submit a takedown notice to us via our DMCA Agent listed below. As an internet service provider, we are entitled to claim immunity from said infringement claims pursuant to the “safe harbor” provisions of the DMCA. To submit a good faith infringement claim to us, you must submit the notice to us that sets forth the following information:
Notice of Infringement – Claim
- A physical or electronic signature of the copyright owner (or someone authorized to act on behalf of the owner);
- Identification of the copyrighted work claimed to have been infringed;
- Identification of the infringing material to be removed, and information reasonably sufficient to permit the service provider to locate the material. [Please submit the URL of the page in question to assist us in identifying the allegedly offending work];
- Information reasonably sufficient to permit the service provider to contact the complaining party including your name, physical address, email address, phone number and fax number;
- A statement that the complaining party has a good faith belief that the use of the material is unauthorized by the copyright agent; and
- A statement that the information in the notification is accurate, and, under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner.
Title 17 USC §512(f) provides civil damage penalties, including costs and attorney fees, against any person who knowingly and materially misrepresents certain information in a notification of infringement under 17 USC §512(c)(3).
Send all takedown notices through our Contact page. Please send by email for prompt attention.
Please note that we may share the identity and information in any copyright infringement claim we receive with the alleged infringer. In submitting a claim, you understand accept and agree that your identity and claim may be communicated to the alleged infringer.
Counter Notification – Restoration of Material
If you have received a notice of material being takedown because of a copyright infringement claim, you may provide us with a counter notification in an effort to have the material in question restored to the site. Said notification must be given in writing to our DMCA Agent and must contain substantially the following elements pursuant to 17 USC Section 512(g)(3):
- Your physical or electronic signature.
- A description of the material that has been taken down and the original location of the material before it was taken down.
- A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.
- Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the judicial district in which the address is located (or if you are outside of the United States, that you consent to jurisdiction of any judicial district in which the service provider may be found), and that you will accept service of process from the person or company who provided the original infringement notification.
- Send your counter notice through our Contact page. Email is highly recommended.
Repeat Infringer Policy
We take copyright infringement very seriously. Pursuant to the repeat infringer policy requirements of the Digital Millennium Copyright Act, we maintain a list of DMCA notices from copyright holders and make a good faith effort to identify any repeat infringers. Those that violate our internal repeat infringer policy will have their accounts terminated.
Modifications
We reserve the right to modify the contents of this page and its policy for handling DMCA claims at any time for any reason. You are encouraged to check back to review this policy frequently for any changes.
Service Provider
Construction Loan Services II, LLC
1019 39th Ave SE, Suite 220
Puyallup, WA 98374
Phone: 1-206-267-2648
Registration Number: DMCA-1031700
Designated Agent
Construction Loan Services II, LLC
1019 39th Ave SE, Suite 220
Puyallup, WA 98374
Phone: 1-206-267-2648
Email: legalnotices@constructionloanservices.com
CCPA
PRIVACY NOTICE
Last updated March 22, 2021
Thank you for choosing to be part of our community at Construction Loan Services II, LLC, doing business as Casa Lending (“Casa Lending“, “we“, “us“, “our“). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at info@casalending.com.
When you visit our website https://www.casalending.com (the “Website“), and more generally, use any of our services (the “Services“, which include the Website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above, includes our Website), as well as, any related services, sales, marketing or events.
Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE USE YOUR INFORMATION?
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. HOW LONG DO WE KEEP YOUR INFORMATION?
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
7. WHAT ARE YOUR PRIVACY RIGHTS?
8. CONTROLS FOR DO-NOT-TRACK FEATURES
9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
10. DO WE MAKE UPDATES TO THIS NOTICE?
11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
12. HOW CAN YOU REVIEW, UPDATE OR DELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Website or otherwise when you contact us.
The personal information that we collect depends on the context of your interactions with us and the Website, the choices you make and the products and features you use. The personal information we collect may include the following:
Personal Information Provided by You. We collect names; phone numbers; email addresses; job titles; and other similar information.
All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Website.
We automatically collect certain information when you visit, use or navigate the Website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Website and other technical information. This information is primarily needed to maintain the security and operation of our Website, and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies.
The information we collect includes:
- Log and Usage Data. Log and usage data is service-related, diagnostic, usage and performance information our servers automatically collect when you access or use our Website and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings and information about your activity in the Website (such as the date/time stamps associated with your usage, pages and files viewed, searches and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called ‘crash dumps’) and hardware settings).
- Device Data. We collect device data such as information about your computer, phone, tablet or other device you use to access the Website. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model Internet service provider and/or mobile carrier, operating system and system configuration information.
- Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Website. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. Note however, if you choose to opt out, you may not be able to use certain aspects of the Services.
2. HOW DO WE USE YOUR INFORMATION?
In Short: We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.
We use the information we collect or receive:
- To facilitate account creation and logon process. If you choose to link your account with us to a third-party account (such as your Google or Facebook account), we use the information you allowed us to collect from those third parties to facilitate account creation and logon process for the performance of the contract.
- To post testimonials. We post testimonials on our Website that may contain personal information. Prior to posting a testimonial, we will obtain your consent to use your name and the content of the testimonial. If you wish to update, or delete your testimonial, please contact us at info@casalending.com and be sure to include your name, testimonial location, and contact information.
- Request feedback. We may use your information to request feedback and to contact you about your use of our Website.
- To enable user-to-user communications. We may use your information in order to enable user-to-user communications with each user’s consent.
- To manage user accounts. We may use your information for the purposes of managing our account and keeping it in working order.
- To send administrative information to you. We may use your personal information to send you product, service and new feature information and/or information about changes to our terms, conditions, and policies.
- To protect our Services. We may use your information as part of our efforts to keep our Website safe and secure (for example, for fraud monitoring and prevention).
- To enforce our terms, conditions and policies for business purposes, to comply with legal and regulatory requirements or in connection with our contract.
- To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.
- To send you marketing and promotional communications. We and/or our third-party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. For example, when expressing an interest in obtaining information about us or our Website, subscribing to marketing or otherwise contacting us, we will collect personal information from you. You can opt-out of our marketing emails at any time (see the “WHAT ARE YOUR PRIVACY RIGHTS” below).
- Deliver targeted advertising to you. We may use your information to develop and display personalized content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
In Short: We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.
We may process or share your data that we hold based on the following legal basis:
- Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
- Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
- Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
- Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
- Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
More specifically, we may need to process your data or share your personal information in the following situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
- Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
5. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 1 year.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk. You should only access the Website within a secure environment.
7. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time.
If you are a resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
If you are a resident in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Website. To opt-out of interest-based advertising by advertisers on our Website visit http://www.aboutads.info/choices/.
8. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with the Website, you have the right to request removal of unwanted data that you publicly post on the Website. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Website, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g. backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a “resident” as:
(1) every individual who is in the State of California for other than a temporary or transitory purpose and
(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as “non-residents.”
If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:
Category
Examples
Collected
A. Identifiers
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address and account name
YES
B. Personal information categories listed in the California Customer Records statute
Name, contact information, education, employment, employment history and financial information
YES
C. Protected classification characteristics under California or federal law
Gender and date of birth
NO
D. Commercial information
Transaction information, purchase history, financial details and payment information
NO
E. Biometric information
Fingerprints and voiceprints
NO
F. Internet or other similar network activity
Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems and advertisements
NO
G. Geolocation data
Device location
YES
H. Audio, electronic, visual, thermal, olfactory, or similar information
Images and audio, video or call recordings created in connection with our business activities
NO
I. Professional or employment-related information
Business contact details in order to provide you our services at a business level, job title as well as work history and professional qualifications if you apply for a job with us
NO
J. Education Information
Student records and directory information
NO
K. Inferences drawn from other personal information
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
NO
We may also collect other personal information outside of these categories instances where you interact with us in-person, online, or by phone or mail in the context of:
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
More information about our data collection and sharing practices can be found in this privacy notice.
You may contact us by email at info@casalending.com, or by referring to the contact details at the bottom of this document.
If you are using an authorized agent to exercise your right to opt-out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” of your personal data.
Construction Loan Services II, LLC has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding 12 months. Construction Loan Services II, LLC will not sell personal information in the future belonging to website visitors, users and other consumers.
Your rights with respect to your personal data
Right to request deletion of the data – Request to delete
You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation or any processing that may be required to protect against illegal activities.
Right to be informed – Request to know
Depending on the circumstances, you have a right to know:
- whether we collect and use your personal information;
- the categories of personal information that we collect;
- the purposes for which the collected personal information is used;
- whether we sell your personal information to third parties;
- the categories of personal information that we sold or disclosed for a business purpose;
- the categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
- the business or commercial purpose for collecting or selling personal information.
In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Verification process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g. phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. If, however, we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity, and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
- you may object to the processing of your personal data
- you may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the data
- you can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
- you may request to opt-out from future selling of your personal information to third parties. Upon receiving a request to opt-out, we will act upon the request as soon as feasibly possible, but no later than 15 days from the date of the request submission.
To exercise these rights, you can contact us by email at info@casalending.com, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.
10. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at info@casalending.com or by post to:
Construction Loan Services II, LLC
1019 39th Ave SE, Suite 220
Puyallup, WA 98374
United States
12. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please contact: info@casalending.com. We will respond to your request within 30 days.