EBLOCK LOANS Email, Text, and Chat Policy
Effective Date:December 1st, 2018
Elements to Satisfy in the Email and Text Policy:
At the heart of EBLOCK LOANS there is mission to revolutionize the home financing process lies a commitment to swift and convenient communication with our clients, vendors, and partners. This commitment extends across various communication channels, including but not limited to Email, fax, telephone, chat, mail, and voice mail. In our pursuit of revolutionizing the home financing experience, we recognize the importance of prompt and seamless interactions.
To underscore our dedication to efficient communication, we have established the following terms and conditions specifically for Email communication. These terms are seamlessly integrated into all Emails sent and received by our Team Members, comprising our employees. Your engagement with our Email communications implies your acceptance of the following terms, reflecting our mutual commitment to effective and convenient correspondence.
Comprehensive Email Overview:
While Email serves as an efficient means of communication, its brevity and informal tone may fall short of capturing the complete nuances or definitive resolution of a given matter. Moreover, an Email may not inherently serve as the official business record of the Company. Discussions related to a specific matter often unfold across a variety of communication channels, including Emails, faxes, voicemails, letters, instant messaging, telephone calls, and face-to-face interactions.
The dynamic nature of these discussions often involves a simultaneous exchange through different channels. For instance, an Email may be a response to a voicemail, a fax might serve as a follow-up to an in-person meeting, or a voicemail could reply to an Email. This interconnected communication landscape highlights that relying solely on Email might not accurately convey the complete scope of the communication or accurately represent the Company's intent regarding the discussed subject matter.
Furthermore, it's crucial to recognize that an Email, standing alone, may not constitute an official business record of the Company. To ensure precision and comprehensiveness, all official matters should be subsequently confirmed through signed writings. It's important to emphasize that the mere receipt of an Email by the Company may not promptly or adequately draw attention to the contents of that Email, whether in a timely manner or otherwise. Therefore, a holistic approach to documentation and confirmation is essential for maintaining clarity and accountability in official business communications.
In General, Emails Lack Formal Signatures; E-Sign Disclaimer Holds:
In the absence of explicit and specific language and disclosures indicating otherwise, it is imperative to emphasize that Emails originating from our Company should not be construed as containing an electronic signature, even if the sender's name is visible in the Email. This cautionary note is crucial to avoid any misinterpretation of the nature and legal implications of Email communications.
Emails, by their nature, lack the formalities required for certain financial commitments and agreements. For instance, matters such as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unequivocal offer or agreement to lend are not intended to be established through Email communications. Understanding the limitations of Email in conveying such significant elements is vital to preventing misunderstandings and potential legal complications.
Formalized documents and agreements related to critical financial aspects are typically conveyed to clients through official, signed writings from the Company. This distinction ensures that the comprehensive and legally binding nature of commitments and agreements is accurately and officially represented. By utilizing formal documents, the Company aims to provide a secure and legally recognized framework for conveying important financial information, thereby safeguarding the interests of both parties involved.
This practice not only aligns with industry standards but also reinforces the commitment to transparency and legal compliance. It underscores the importance of precision in documenting significant financial transactions and commitments, which, due to their complexities and legal implications, require a level of formality that Email communication inherently lacks. Therefore, clients can rely on official, signed documents as the authoritative source for understanding and acknowledging the terms and conditions associated with substantial financial transactions facilitated by the Company.
Confidential and Privileged Data:
Confidential and privileged data transmitted through Emails by our Team Members, along with all associated attachments, holds a confidential status. These communications are intended exclusively for the specified individual or entity. In the event of the receipt of an Email in error or its inadvertent forwarding, it is imperative to maintain the confidentiality of the information contained therein. Under no circumstances does such an occurrence authorize the recipient to utilize or disclose the confidential information.
Prompt notification to the sender, achieved through telephone or Email, is essential in such cases. Recipients are required to take immediate steps to delete or destroy both the original Email and any duplicates. Unauthorized actions such as use, disclosure, reproduction, or distribution of the information within these Emails are strictly prohibited.
Emails explicitly labeled as "Confidential" encompass proprietary information disclosed under the condition that the recipient handles and maintains such information with the utmost confidentiality. This obligation extends to compliance with pertinent privacy laws, including, but not limited to, the Gramm-Leach-Bliley Act. It is paramount for recipients to abstain from disclosing or using such information for purposes beyond the limited and confidential intent for which it was provided.
Acceptance and review of confidential information from the Company imply an agreement to indemnify and hold the Company harmless against any claims, losses, liabilities, or expenses, including attorney's fees. This indemnification pertains to unauthorized use or disclosure of confidential information resulting from the recipient's acts or omissions. Adherence to these confidentiality provisions is crucial, not only for legal compliance but also for maintaining the integrity and security of sensitive information. It underscores the shared responsibility between the sender and the recipient in preserving the confidentiality and privileged nature of the conveyed data.
Privileged and Confidential Content:
Privileged and confidential content within Emails involving our Legal Team may encompass information protected by the attorney-client privilege and/or the attorney work product privilege. The privileged nature of this information remains intact, even in cases of erroneous receipt or improper forwarding of an Email.
If you are not the intended recipient of privileged information, it is essential to promptly notify the sender, either by telephone or Email. Simultaneously, recipients are required to take immediate measures to delete or destroy the original Email and any reproductions. Unauthorized actions, such as use, disclosure, reproduction, or distribution of confidential or privileged information, are strictly prohibited.
Adherence to these protocols is of utmost importance, as it plays a pivotal role in maintaining the confidentiality and integrity of legally privileged communications. The acknowledgment that the privileged status endures, regardless of inadvertent transmission errors, underscores the gravity of preserving the privileged nature of the information exchanged within the legal context.
By following these stringent protocols, recipients not only fulfill their legal obligations but also contribute to upholding the sanctity of attorney-client relationships and the integrity of legal proceedings. This commitment to confidentiality serves as a cornerstone in fostering trust and effective communication within the legal framework.
Time-Critical Directives and Formal Affairs; Filtering Protocols:
In the context of time-critical directives and formal affairs, it is advised to exercise caution when relying solely on Email for communication. There exists a risk that time-sensitive instructions or important company matters conveyed through Email may not be promptly received or reviewed by the intended Team Member. This potential delay arises from the requisite processing of all Emails through multiple virus and spam filters, which can introduce delays or, in some cases, result in the rejection of Email deliveries.
To ensure the expeditious and reliable transmission of urgent matters, it is strongly recommended to opt for direct, in-person communication with the relevant individual via telephone. Following this verbal exchange, it is prudent to confirm the details in writing through a more secure and traceable means such as fax or Email. This dual approach not only facilitates a swift and accurate exchange of critical information but also minimizes the risks associated with potential delays in Email processing.
It is crucial to note that the Company reserves the right to block any Email source deemed inappropriate. Therefore, exercising prudence in selecting communication channels for time-sensitive or crucial matters is paramount. This practice ensures a timely and effective exchange of information while also aligning with the Company's commitment to maintaining secure and reliable communication channels. The emphasis on this dual-communication strategy underscores the importance of adapting communication methods to the urgency and criticality of the information being conveyed.
Business Intentions:
Concerning business intentions, it is essential to recognize that the Company's Email facilities are exclusively designated for conducting business with our organization. Recipients, spanning vendors, suppliers, clients, and others who receive Emails from our Team Members, are explicitly prohibited from utilizing our Team Member's Email address or contact information, as well as any other person's Email address appearing in Company Emails, for any purpose other than corresponding with our Company for lawful and legitimate business purposes related to our Company's business operations.
It's crucial to emphasize that the mere receipt of an Email does not imply the Company's or our Team Member's consent for the recipient to use our Team Member's Email address or contact information for direct marketing purposes or for transferring data to third parties. Any unauthorized use of this nature is strictly prohibited. Our communication channels are intended to be used exclusively for lawful and legitimate business interactions, aligning with the objectives of our Company.
This policy not only safeguards the integrity of our communication channels but also ensures that our Team Members' contact information is utilized appropriately and in accordance with the intended business context. By setting clear boundaries on the use of Email addresses and contact information, the Company underscores its commitment to maintaining professional, secure, and lawful interactions with external entities.
Supervising Communications:
Regarding the supervision of communications, it's imperative to acknowledge that all communications, including Emails sent to or from our Team Members, are subject to potential forwarding, monitoring, and review by individuals within our Company, extending beyond the designated recipient or sender. These actions may be initiated with or without prior notice to the designated recipient or sender. Moreover, various communication channels, such as those through the website, PC-talk, chat, Email, and telephone, may be subject to recording or monitoring.
By engaging in these communication methods, you implicitly provide consent to the recording or monitoring of such interactions. This broad understanding is fundamental to maintaining transparency and ensuring compliance with our internal policies.
The proactive approach to monitoring and reviewing communications is implemented to uphold the integrity of our internal processes, guarantee adherence to company policies, and mitigate risks associated with inappropriate or unauthorized communication. It is essential for all individuals involved in communication within our Company to recognize and accept this monitoring protocol as a standard practice, fostering an environment of accountability and compliance with established guidelines. This collective understanding underscores the Company's commitment to transparency and regulatory compliance in its communication practices.
Unencrypted Communications:
In the realm of unencrypted communications, it's crucial to maintain awareness that regular Email is commonly transmitted over the Internet, an inherently open network. While specific segments within our applications utilize technologies to secure data and transmissions between you and our Company, general Email relies on the Internet, representing an open system. Absolute assurances regarding the security, error-free nature, immunity to corruption, completeness, virus-free status, or protection against loss, misdelivery, destruction, delays, or interception/decryption by third parties cannot be guaranteed for all Email transmissions, whether sent or received.
In light of these potential vulnerabilities, the Company strongly discourages the transmission of sensitive or personally identifiable information via Email. It's important to note that the Company explicitly disclaims all liability related to Emails and their contents should they be subject to corruption, loss, destruction, delays, incompleteness, misdelivery, interception, decryption, or inappropriate access by unauthorized parties. In response to these considerations, exercising caution and opting for alternative secure channels when handling sensitive information is highly recommended.
By providing this information, the Company aims to empower individuals to make informed choices about the transmission of sensitive data. The emphasis on potential risks associated with unencrypted communications serves as a proactive measure to safeguard both the Company and its stakeholders against the unforeseen challenges inherent in open network transmissions.
Computer Malware:
Concerning computer malware, it is essential to recognize that computer viruses have the potential to be transmitted via Email, encompassing email content, attachments, and embedded links. While our emails are diligently crafted to be free of viruses or defects that could compromise computer systems upon receipt and opening, it remains the recipient's responsibility to ensure that any email they open is free from viruses. The Company, however, disclaims any responsibility for any loss or damage arising from the receipt, use, storage, or transmission of our emails.
In situations where our Company forwards an email or responds to a prior email, the contents may have originated from someone other than our Company or Team Members. In such instances, the Company assumes no liability for the content provided. Furthermore, the Company explicitly disclaims any representation or warranty that Company emails are virus-free and/or error-free.
The deliberate use of email to introduce viruses, malicious or disabling code, or to interfere with the Company's email transmissions, telecommunication, or computer networks is strictly prohibited and illegal. Violators will be prosecuted to the fullest extent of the law. Adhering to these guidelines is essential for maintaining a secure and reliable communication environment. This proactive approach underscores the importance of individual responsibility in safeguarding against potential threats and contributes to the overall security of the Company's digital infrastructure.
Not Permitted Email Material:
In the context of not permitted Email material, it is imperative to highlight that our Team Members are explicitly prohibited from utilizing Email to create or send any form of menacing, defamatory, discriminatory, harassing, offensive, or threatening statements or materials. Additionally, the prohibition extends to materials that infringe upon the copyrights or legal rights of others. Such communications lie outside the boundaries of Company policy and are considered to be beyond the scope of our Team Members' employment. The Company disclaims any liability for such communications, and the Team Member responsible will be personally held liable for any resulting damages or other liabilities.
If any violations come to your attention, we encourage you to promptly report them to us at (833) 832-5625. The use of the Company's Email facilities for sending menacing, harassing, offensive, or threatening messages to our Team Members is strictly prohibited and unlawful. Violators will be prosecuted to the fullest extent of the law.
Furthermore, the use of the Company's Email facilities for soliciting our Team Members to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited. Strict adherence to these guidelines is pivotal for fostering a respectful and professional communication environment within our organization. By upholding these standards, we collectively contribute to maintaining a workplace culture that prioritizes mutual respect, professionalism, and compliance with legal and ethical norms.
All Rights Reserved; Statements Attributable To The Company:
Concerning the assertion of rights and statements attributable to the Company, it is crucial to recognize that the Company holds exclusive rights to its Email content and the associated policy statement. No part of the Company's Email, including this policy statement, may be reproduced, published, or distributed in any manner without the explicit written permission of the Company. It is imperative to seek formal authorization before undertaking any such activities.
Official statements attributable to the Company can only be issued by the Company's Director of Public Relations or by an authorized officer of the Company, such as the Chairman, CEO, President, or Corporate Counsel. These designated individuals have the authority to officially represent the Company, and any statements made by them are considered authoritative and attributable to the Company.
This stringent approach to intellectual property rights and official statements is in place to safeguard the integrity of the Company's communications and to ensure accuracy and consistency in public representations. Adhering to these guidelines is essential to prevent unauthorized use or dissemination of the Company's proprietary information and to maintain the clarity and accuracy of the Company's official statements.
Negligent Misstatement:
In addressing negligent misstatement, the Company expressly disclaims any and all responsibility, including liability arising from negligence, for the accuracy, completeness, or reliability of data or information contained in or provided through Email. It's crucial to understand that the Company does not assume responsibility for any potential errors, omissions, or inaccuracies in the information conveyed through Email, and explicitly disclaims any associated liability.
Additionally, the Company makes no warranties, whether express or implied, regarding the accuracy, completeness, or reliability of the data or information provided through Email. This lack of warranty encompasses any assurances or guarantees concerning the information's accuracy or fitness for a particular purpose. The intention behind this disclaimer is to emphasize that the Company does not make any specific representations about the reliability or suitability of the information shared through Email.
Individuals receiving or relying on information conveyed through Email are encouraged to exercise due diligence and, if necessary, seek independent verification. The Company's cautious stance underscores the importance of acknowledging the limitations inherent in the electronic transmission of information and encourages recipients to use prudence when relying on the content of Email communications.
Governing Law:
In regard to governing law, upon receiving and opening this Email, it is acknowledged and agreed that the Terms and Conditions outlined herein are applicable and considered incorporated by reference into the Company's Email. In the event of any disputes related to this Email, such matters shall be subject to governance and interpretation in accordance with the laws of the State of Michigan, without regard to conflicts of law principles.
It is further acknowledged and consented that any legal action arising from or pertaining to these Terms and Conditions may only be filed in the state or federal courts situated in Michigan. This choice of jurisdiction serves as the designated venue for resolving disputes, ensuring a clear framework for legal proceedings associated with the content and interpretation of this Email and its accompanying Terms and Conditions. Adherence to this governing law clause is essential for establishing a standardized and recognized legal framework for any potential disputes that may arise from the use or interpretation of the content within this Email.
Opt-Out:
Regarding the opt-out provision, it is important to note that this Email may be classified as an advertisement or solicitation under U.S. law if its primary purpose is to promote or advertise a commercial product or service. If you wish to opt-out and no longer receive advertising and promotional messages from EBLOCK LOANS at this Email address, you are invited to specify your preference by visiting our website: eblockloans.com and accessing the "Contact Us" tab.
This opt-out mechanism allows individuals to manage their preferences and exercise control over the receipt of advertising and promotional communications. The Company emphasizes transparency and respect for individual choices, and this opt-out provision is designed to facilitate a user-friendly process for recipients who wish to modify their communication preferences.
Mobile Messaging Policy:
Concerning the Mobile Messaging Policy, it's essential to acknowledge that EBLOCK LOANS may send Mobile Text Alerts. These Text Alerts provide a secure and convenient method for users to access interest rates and receive promotional and mortgage information from nearly any mobile device or cell phone.
This policy underscores the Company's commitment to providing users with valuable and timely information through mobile messaging. Users who opt-in to receive Mobile Text Alerts can benefit from a convenient means of staying informed about interest rates and relevant promotions, enhancing their overall experience with EBLOCK LOANS.
How do I sign up for EBLOCK LOANS Mobile Alerts?
Regarding signing up for EBLOCK LOANS Mobile Alerts, the process is outlined for your convenience. To subscribe to Promotional EBLOCK LOANS Text Alerts, individuals are encouraged to reach out to the Company at 833-832-5625. For those seeking direct communication with a Home Loan Expert about their mortgage status, the CHAT feature on eblockloans.com is available for use. It's important to note that messaging frequency may vary, ensuring flexibility for users in managing their interactions with EBLOCK LOANS. This user-friendly approach makes it easy for individuals to stay informed and engaged with the Company's services through mobile communication channels.
Are there any charges?
Concerning the cost implications, it's important to note that message and data rates may apply based on your wireless plan with your carrier. Users should be aware of potential charges depending on their specific wireless plan.
Participation in EBLOCK LOANS Mobile Alerts is supported by a range of carriers, including AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel, U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile, and Cincinnati Bell. This comprehensive list ensures that individuals utilizing various carriers can benefit from the Mobile Alerts service, enhancing accessibility for a broader audience.
What if I don't want to receive any more messages?
To stop receiving text messages, unsubscribe by texting STOP to any of our five-digit U.S. short codes: or call (833) 832-5625. After removal from our system, you will receive a final confirmation message, and no further messages will be sent.
What if I want to opt back in or need more information?
In the event that individuals wish to opt back in or require additional information about promotional EBLOCK LOANS Text Alerts, the process is straightforward. To resume receiving these alerts, individuals are encouraged to contact the Company at (833) 832-5625. This user-friendly approach allows individuals to easily manage their preferences and stay informed about promotional offerings from EBLOCK LOANS through Text Alerts.
Disclosures and Licenses:
In the event that individuals wish to opt back in or require additional information about promotional EBLOCK LOANS Text Alerts, the process is straightforward. To resume receiving these alerts, individuals are encouraged to contact the Company at (833) 832-5625. This user-friendly approach allows individuals to easily manage their preferences and stay informed about promotional offerings from EBLOCK LOANS through Text Alerts.
Privacy Policy:
Review our privacy policy by clicking here.
In reference to additional terms associated with EBLOCK LOANS Mobile Messaging, several important considerations are outlined:
1. Message Series and Response Time:
In certain instances, users may receive multiple text messages to overcome character limitations. Messages may be numbered to reflect the order in a series. Due to network traffic and carrier limitations, response time may vary.
2. Acknowledgment of Terms:
By texting any of the five-digit U.S. short codes or using EBLOCK LOANS texting platforms, users acknowledge and agree to the provided terms and conditions. This includes the full authorization for EBLOCK LOANS, LLC, and its service providers to respond to their mobile device or cell phone.
3. Nature of EBLOCK LOANS Text Alerts:
EBLOCK LOANS Text Alerts are presented as an automated loan alert service and should not be considered an interest rate lock, unconditional loan commitment, approval, qualification, or any other unconditional offer or agreement to lend. EBLOCK LOANS disclaims responsibility for the accuracy, completeness, or reliability of data or information in EBLOCK LOANS Mobile Messaging.
4. Time-Sensitive Instructions:
Users are advised against using EBLOCK LOANS Mobile Messaging for time-sensitive instructions or official company matters. Urgent matters should be communicated in person via telephone and confirmed in writing.
5. Text Message Technology:
Both autodialer and non-autodialer technology may be employed to send text messages to the mobile phone number provided by the user.
6. Blocking and Disabling of Service:
EBLOCK LOANS reserves the right to block inappropriate mobile numbers and disable EBLOCK LOANS Mobile Messaging without notice.
7. Consent and Governing Law:
By utilizing this service, users agree to the terms herein, which are incorporated by reference into any communication. Disputes shall be governed by the laws of the State of Michigan, and any action may only be filed in Michigan state or federal courts. It is clarified that consent to these terms is not required for purchase.
These additional terms serve to provide users with a comprehensive understanding of the various aspects related to EBLOCK LOANS Mobile Messaging, promoting transparency and adherence to established guidelines.
Complaints:
In the case of complaints related to email or mobile messaging, individuals are provided with a clear avenue for resolution. To address concerns or register complaints, users are encouraged to contact the EBLOCK LOANS Team at (833) 832-5625 or via email at ja@eblockloans.com. This streamlined process ensures that individuals have a direct and accessible means to communicate their grievances, fostering transparency and effective resolution of any issues that may arise in the context of email or mobile messaging services provided by EBLOCK LOANS. For any further clarification on this policy, feel free to contact us and request the latest volume of interpretations at ja@eblockloans.com