Privacy Policy

Please click here to review Cadence Lending Group's Privacy Policy

Website Privacy Policy

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
  
• Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
  
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
  
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
  

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

E-Consent

By proceeding with your online application, you agree to the terms set in the eDisclosure Agreement found on this link

Texas Mortgage Company Disclosure

Click here to view the Texas Mortgage Company Disclosure

Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. 

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors. 

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. 

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

"Soft Pull" Authorization

A "soft pull" credit report may be pulled in lieu of a full credit report. By proceeding with this application, you accept the following terms and conditions: 

I/We hereby authorize CADENCE LENDING GROUP to access my/our credit reports for prequalification purposes. I/We understand that prequalification is an initial determination of whether or not I/we prequalify to apply for mortgage/credit purposes and that it is not an application or a commitment to proceed with a full application of credit.

I/We understand and agree this authorization qualifies as a written authorization and is enforceable under the Electronic Signatures in Global and National Commerce Act ("ESIGN") Pub. L. No. 106-229, 114 Stat. 464 (2000) (codified at 15 U.S.C. 7001 et seq.). It is understood that a copy of the data associated with this authorization shall serve as an original authorization. This authorization expires 180 days from the date of execution.

I/We understand and agree that BIRCHWOOD CREDIT SERVICES, INC. has no control over the content of the information provided to it, and it is not responsible for inaccurate results, including those due to incorrect, missing, or outdated credit report information.

Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FHA).

I/We certify that I/we am/are eighteen years of age or older and that I/we am/are the person(s) identified herein. I/We understand that under 15 U.S.C. 1681 any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be subject to a fine, imprisonment, or both.