Privacy Policy

Last Updated: October 30, 2023, 8:19 AM

Privacy Policy, Online Policy, Terms of Service, TCPA Disclosure & Consent for SMS/Texting, Product Disclosure Statement, and Disclaimer

This document applies to Christian Penner PA and its affiliates and companies, including but not limited to ChristianPenner.com, The Christian Penner Mortgage Team, Epic Loans, Epic Loan Brokers, Epic Mortgage Solutions, Solar Energy, 5th Wall, Powur Solar, Convert My Leads Now, and iRealEstateSearch (collectively referred to as "us," "we," or "our"). These policies govern the operation of websites, landing pages, surveys, forms, and mobile applications (collectively, the "Service"). By using the Service, you agree to the terms outlined in this document regarding the collection, use, and sharing of your personal information, as well as the limitations of liability described below.

Disclaimer

General Disclaimer

Please read this Disclaimer carefully before using the ChristianPenner.com Website (the "Website") operated by Christian Penner PA, a corporation formed in Florida ("we," "us," or "our"). This Disclaimer contains important information regarding limitations of liability and other terms related to your use of the Website.

Your access to and use of the Website is conditional upon your acceptance of and compliance with this Disclaimer. This Disclaimer applies to all visitors, users, and others who wish to access or use the Website. By accessing or using the Website, you agree to be bound by this Disclaimer. If you disagree with any part of this Disclaimer, you do not have our permission to access or use the Website.

Advertising Disclaimer

This Website may contain advertisements for information, products, or services provided by third parties. We make no representations or warranties regarding the suitability, reliability, or accuracy of the information, products, or services contained in these advertisements.

The inclusion of such advertisements does not constitute an endorsement or recommendation by us. When you click on an advertisement, you may be redirected to a third-party website that is not controlled or managed by us. We strongly recommend that you review the Privacy Policy and Terms and Conditions of any third-party websites before engaging with their content or services. We are not responsible for the content, practices, or policies of any third-party websites.

Affiliate Disclaimer

We participate in several affiliate programs, including but not limited to TPO (Third-Party Originator), Mortgage Broker, Commercial Mortgage Broker, Realtors, GoHighLevel, LeadConnector, ZappyChat, HLProTools, GetExtendly, The Marketer's Toolkit, Mailbox Power, Cerberus CRM, RETR, and Listings To Leads. As participants in these programs, we may earn fees or commissions when users click on affiliate links or make purchases through these links.

While we may recommend certain products or services through these programs based on our experience or assessment of their usefulness, any inclusion of links, reviews, or endorsements does not constitute a guarantee of the quality, performance, or suitability of the product or service for your specific needs. We encourage you to conduct your own research and exercise discretion before purchasing or engaging with any products or services mentioned on this Website.

Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be held liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Website or reliance on any content or advertisements contained therein.

Changes to This Disclaimer

We reserve the right to amend this Disclaimer at any time without prior notice. Changes to this Disclaimer will be posted on this page, and the "Last updated" date will reflect the most recent update. It is your responsibility to review this Disclaimer periodically for any changes.

Product Disclosure Statement

All loan applications are subject to underwriting guidelines, review, and final approval. This communication does not constitute an offer to lend, nor is it a commitment to lend. Not all applicants will qualify for the loan products offered.

Loan terms, programs, conditions, and interest rates are subject to change without notice.

Fees and costs associated with the loan are governed by applicable state and federal laws, including high-cost loan thresholds.

Creditworthiness, income, and collateral are subject to comprehensive review and approval.

Loan programs may require a minimum credit score or other specific eligibility criteria.

Availability of products and services may vary by state, and certain products may not be offered in all states.

All transactions and equipment financing and leasing are offered through a Third-Party Originator (TPO). Specific products and programs may vary based on the finance company’s guidelines and policies.

Disclosures

All loans are subject to detailed underwriting and approval processes. Not all applicants will qualify for every loan program offered.

Interest rates, terms, and conditions may vary and are subject to change at any time without prior notice.

Fees associated with loan products may be subject to applicable federal and state thresholds.

Credit and collateral approval are required for all loan programs.

Loan availability and specific products may differ by state or region and may not be available at the time of application.

For more information about loan programs, and eligibility, or to check the availability of products in your state, please visit our website at https://ChristianPenner.com or contact us directly at (561) 373-0987.

Privacy Policy

Information We Collect

We collect the following types of information:

Personal Information: Name, address, phone number, email, IP address, device identifiers, geolocation data, and behavioral data. Behavioral Information: Your interactions with our websites, advertisements, and communications. Usage Data: Information collected automatically through cookies and other tracking technologies.

How We Use Your Information

We use the information we collect for purposes such as:

Performing services and providing customer support. Processing transactions and ensuring legal compliance.

Marketing, advertising, and targeted promotions.

Fraud prevention, analytics, and resolving disputes.

Sharing Information

We share your information with:

Third-Party Service Providers: Content management systems, analytics providers, and marketing platforms (e.g., Twilio, LeadConnector, RingCentral).Credit Vendors: Credit bureaus and verification services.

Terms of Service

By using Christian Penner PA's services, you agree to the following terms:

Prohibited Uses

You may not use the Service to:

Engage in unlawful activities or transmit harmful content.

Violate intellectual property rights.

Misrepresent your identity or affiliation.

Disclaimer of Warranties

All services are provided "as-is" without warranties of any kind.

Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from your use of our services.

TCPA Disclosure & Consent for SMS/Texting

By providing your phone number, you consent to receive SMS/text messages and calls, including those using automated technology, from Christian Penner PA and its affiliates for purposes such as:

Marketing and promotional updates.

Loan application or transactional updates.

Message and data rates may apply.

You may opt-out at any time by replying "STOP" or contacting us directly.

Children's Privacy

Our services are not intended for individuals under 18. If we learn that we have collected personal data from a minor without parental consent, we will delete it promptly.

Contact Information

If you have any questions or concerns, please contact us:

Email: [email protected]

Phone: (561) 373-0987

Terms of Use | Privacy Policy