Terms of Use

Please read these Terms carefully, and contact us if you have any questions.

ACCEPTANCE OF TERMS OF USE
Stairway Lending LLC, ("Stairway Lending" or "we" or "our"), owns and operates this website for itself and its referral marketing partners. Stairway Lending provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use. By accessing and using the Site, you accept and agree, without limitation, to the following:
PRODUCTS AND SERVICES
Stairway Lending is a marketing lead generator, not a lender. We do not take applications, make loans, or make credit decisions in connection with your loans. We are not registered or licensed by any state or federal governmental agency for our services. We merely match you with our lending network referral marketing partners. We attempt to arrange credit for you through one of our participating referral lenders. We use the information you provide us to allow our lenders to offer loans that may be of interest to you. We collect information from you to register you as a user of our Website and to determine if you meet a lender's eligibility criteria. After we analyze the information you provide, we will work to introduce lenders to you that may respond with a possible loan offer. If you are eligible to apply for loans offered by lenders, then we may display choices that may interest you. You will then have the opportunity to select one of the choices. If you do not meet the eligibility criteria for the lenders, then we may not provide you with any choices. You will have to complete an application with a lender before they will offer you a loan. lenders offer these terms directly to you via our application email and/or phone/text. We may transfer your information to lenders at your request and with your authorization to allow the lender to prepare your application with them for you to submit. This is the point that you start an application process for a loan from the lender that you have selected. The application process takes place with the lender; not Stairway Lending who merely provides a loan application lead.

You must rely on your own judgment to decide which product and lender suits your needs. You are under no obligation to use our Website to find a loan. We do not guarantee that completing a request will result in a match with a lender. You may not receive an offer from a lender. We do not have any control over the criteria that lenders use in accepting or declining your application. We do not guarantee that the options available to you from the lenders are the best terms or the lowest rates available. If we do not provide you with any choices, then you will not be able to be transferred to a lender from our Website to apply for a loan.

We do not recommend or endorse the products or offerings of any lender. The lender is solely responsible for its services and relationship with you. We are not liable for any damages or costs related to your relationship with the lender. In addition, unless stated otherwise, we are not your agent and we are not the agent for any participating lender.

We may require that you furnish us and the lender with identifying information. We use this information as detailed under our Privacy Policy. We also use this information to match you with potential loan offers from lenders. By submitting your information to Stairway Lending you are providing your express written consent under the Fair Credit Report Act for Stairway Lending and selected lenders and affiliates with whom you are matched to obtain your consumer credit profile or other information from contracted Credit Bureau's associated with your inquiry. While the "soft pull" that Stairway Lending may initiate will not affect your credit score, please note that credit inquires by selected lenders and affiliates will likely impact your credit score. You further agree that we may verify your identity and the information you provide us with third parties. A Lender may require more information from you to apply for a loan. Stairway Lending reserves the right at any time after receipt of your loan request to accept or decline your loan request for any reason. Stairway Lending may require additional verifications or information before accepting any loan request. Stairway Lending is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an individual's ineligibility to qualify for the funding opportunity. The terms and conditions of any loan available from the lender may change depending on information available to the lender or your complete credit profile. We, or a lender, may require further information from you to comply with our legal obligations, including, without limitation, anti-terrorism laws and regulations. You agree that any information you provide us will be governed by the Terms of Use, including, without limitation, the Conditions of Use section below.

You agree that we may share your information with lenders and other marketing partners to provide you with potential loan offers and other related offers. You acknowledge that lenders have their own privacy practices and that you should review and understand their privacy policies and website terms of use when you apply for a loan with these lenders. You agree that both the lender and we may communicate with you regarding your use of the Website, the Service, and the information you shared with us.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.

We do not charge you fees for the use of our Services. Lenders compensate us for services that we provide to them. This compensation varies with each lender, loan, or service. Your loan, loan rate, or loan terms may include an origination fee paid by the lender.
INCOME VERIFICATION
Requesting a loan though Stairway Lending will require you to submit to us information about your personal income. This information will be passed on to the lenders we work with in order to provide you with the proper loan. Some lenders may require that you be able to verify your income before they offer you a loan. By submitting your income information to Stairway Lending you promise that it is completely accurate information. While Stairway Lending will not require any income verification, you agree that lenders with whom Stairway Lending works may need to verify your stated income by requesting proof of income, such as copies of pay stubs or bank statements. You further agree that such a proof of income may be a necessary step in receiving a personal loan. You are not required to disclose alimony, child support or separate maintenance income on Stairway Lending.
ELECTRONIC CONSENT
By using the services available through our website, you consent to electronically receive all disclosures, notices and/or other records that we, our lenders, or our third-party partners are required by law to disclose to you in writing. This is in regards to your loan request or the making/underwriting of your loan. This could include, but not be limited to, written disclosures required under the Truth in Lending Act and the Equal Credit Opportunity Act (the “Disclosures”). Each time you submit a loan request through Stairway Lending, you consent to the receipt of electronic disclosures with respect to that specific loan request and the resulting loan offers, if any. Your consent does not apply to any future transactions between us, our lenders, or our third-party partners. Our lenders or third-party partners may ask you to agree to an additional electronic consent agreement or other similar agreement. You are responsible for reading and understanding the terms of these additional consent agreements.
RESTRICTIONS
You must be 18 years or older and be a legal resident of the United States to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.
COMPLIANCE WITH LAWS
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Site's third party affiliates. Stairway Lending may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. If Stairway Lending becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its privacy policy ("Privacy Policy"), Stairway Lending may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action, during which investigation Stairway Lending may suspend services to any customer being investigated and/or remove any material from Stairway Lending's servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.
INTELLECTUAL PROPERTY
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by Stairway Lending, its licensees, or other third parties who have authorized use of such properties on the Site. Stairway Lending grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining a loan. Stairway Lending reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of Stairway Lending. Except as expressly provided on this Site, nothing contained on this Site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.
LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
Stairway Lending uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. Stairway Lending makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter.

YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. WE ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY OTHER LOSSES, COSTS, OR EXPENSES. WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES THAT ARISE DIRECTLY OR INDIRECTLY. WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES THAT ARISE THROUGH THE ACCESS TO, USE OF, OR BROWSING OF THE WEBSITE.

IN ADDITION TO THE ABOVE, FIRST, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO ANY CHANGES WE MAY HAVE MADE TO THE WEBSITE. SECOND, WE ARE NOT LIABLE FOR ANY INTERRUPTION OF SERVICE IN THE WEBSITE OR FEATURES THEREOF. THIRD, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO THE DELETION OR CORRUPTION OF DATA MAINTAINED IN OR TRANSMITTED BY THE WEBSITE. FOURTH, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO YOUR FAILURE TO GIVE US ACCURATE INFORMATION ABOUT YOU. FIFTH, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO YOUR FAILURE TO GIVE US ACCURATE INFORMATION ABOUT ANY ACCOUNT YOU MAY CREATE WITH OUR WEBSITE. SIXTH, WE ARE NOT LIABLE FOR DAMAGES, LOSSES, COSTS, OR EXPENSES DUE TO YOUR FAILURE TO KEEP YOUR INFORMATION CONFIDENTIAL AND SECURE.

THESE LIMITATIONS OF LIABILITY PROVISIONS APPLY IRRESPECTIVE OF WHETHER WE KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY THAT THOSE LOSSES COULD ARISE. THESE LIMITATIONS APPLY EVEN IF THERE HAS BEEN A FAILURE OF ESSENTIAL PURPOSE OR OF ANY LIMITED REMEDY.
THIRD PARTY CONTENT
The Site may contain links to sites maintained by third parties. Stairway Lending is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
PRIVACY
Stairway Lending's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Site in accordance with the Privacy Policy available at http://stairwaylending.com/privacy-policy. The Privacy Policy sets out your rights and Stairway Lending's responsibilities with regard to your personal information. Stairway Lending will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that Stairway Lending, in its sole discretion, may modify the Privacy Policy, and you further agree that, by using the Site after such modifications become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification, you will terminate use of the Site.
SECURITY
Stairway Lending utilizes secure technology to protect your personal information. Although Stairway Lending has taken reasonable measures to provide for the security of certain information that you submit to the Site, Stairway Lending cannot guarantee that this information will not be intercepted or decrypted by others. Stairway Lending accepts no responsibility for such interception or decryption.
LAW, JURISDICTION AND VENUE
The Terms of Use shall be governed by the laws of the State of Alabama, without reference to its conflict of law principles. You submit to the exclusive jurisdiction of the courts of Alabama for any action at law or in equity relating to the Website, the Service, or the Terms of Use. You shall bring any action at law or in equity relating to the Website, the Service, or the Terms of Use in the state or federal courts located in Jefferson County. You shall bring any claim or cause of action relating to the Website, the Service, or the Terms of Use within one year of the date the cause of action arose. Otherwise, your cause of action will be waived and time barred.
MODIFICATION
Stairway Lending reserves the right to modify these Terms of Use from time to time. Your use of the Site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.
INDEMNIFICATION
By using the Site, you agree to indemnify and hold Stairway Lending, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.
VIOLATION OF THE TERMS OF USE
By using the Site, you understand and agree that Stairway Lending, at its sole discretion and without prior notice, may terminate your access to the Site and to any services offered on the Site, and may remove any content you have provided if Stairway Lending believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, that your conduct is disruptive, or you have violated the law or the rights of Stairway Lending or another user.
OTHER MISCELLANEOUS
All rights not expressly granted are reserved to Stairway Lending. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation hereof or thereof. A party's failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and therein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.
CONTACT INFORMATION:
Stairway Lending, LLC
2140 11th Avenue South
Birmingham AL 35205
support@stairwaylending.com
205-327-1350

Stairway Lending understands the importance of protecting consumers' personal information and the proper use of their personal information. It is our policy to not send unsolicited e-mails to consumers and we hope the following information will eliminate any concerns that Your company may have regarding Our practices of consumers' personal information.

Stairway Lending and its affiliated sites use only an opt-in or opt-out method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.

All e-mail communications sent by us to consumers include information about the origin of the e-mail and include easily identifiable instructions on how consumers can unsubscribe from receiving future e-mail messages from us. In some instances, Stairway Lending will enter into a Privacy Policy with a third-party website to allow consumers to opt-in to our marketing program on those third party websites. When this occurs we make certain that the third-party websites represent and warrant to us that the consumer data was collected voluntarily by consumer registration and/or co-registrations. We also require that the third-party websites have a right under any applicable privacy policy to transfer the consumer data to us, and that Stairway Lending has the right to send marketing offers to the consumer.

If you have additional questions or wish to discuss the matter further, please contact us at support@stairwaylending.com