Movement Mobile Terms of Use

These terms govern your access to and use of the Movement Mortgage, LLC (“Movement Mortgage”) “Movement Mobile” mobile application and related account services, including web pages, single sign-on, stored profile information, and any documentation (collectively, the “Services”). By clicking the “Get Started” button, you agree to these Terms of Use (“TOU”), and these TOU shall govern your use of the Services.

ACCESS TO MOVEMENT MOBILE AND ACCOUNT

By agreeing to the TOU, you represent and warrant that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from the Services; and (c) your registration and your use of the Services is in compliance with all applicable laws and regulations. We reserve the right, in our sole discretion, and without notice to you, to deny you access to Movement Mobile. We grant you access to Movement Mobile for no charge.

OWNERSHIP OF CONTENT

You acknowledge and agree that you gain no rights in the services or content by accessing them. You agree not to copy or distribute any of the content or services. Movement Mortgage grants you a limited, non-exclusive license to use the Movement Account Services and any intellectual property subject to these TOU.

RECORDING & MONITORING OF COMMUNICATIONS

Your chat, electronic mail, text message, online, and telephone communications with us, and authorized third parties, will be monitored or recorded to improve client services and prevent fraud. You agree to be recorded and monitored when you interact with us.

SIGN-ON CREDENTIALS

Clicking “Get Started” and creating an account allows you to sign-in to the Services. When you register for an account, you may be required to provide us with some information about yourself, such as email address or other contact information. You agree that the information you provide is accurate and that you will keep it accurate and up-to-date at all times. We will collect information for security purposes when you set up an account or reset your password. The email address and password that you use to sign up for an account are the credentials that you will use to authenticate with our network.

You agree that you will not share your credentials and will use reasonable efforts to keep them confidential. You agree that you will immediately contact us if you believe your user identification, password, or identifying information has been compromised, lost, or stolen. We will never contact you through an unsolicited email or phone call requesting your username or password. You are solely responsible for all damages or claims that may arise from any access to or use of the Services by any person using your credentials.

LOCATION AND GOVERNING LAW

We provide Movement Account Services from within the United States of America to residents of the United States (except for residents of or property located in Montana). The Website and the Movement Account Services provide information regarding services and products that are made for use in the United States. We offer no services outside of the United States.South Carolina law, without giving effect to its principles of conflicts of law, governs all adversarial proceedings arising from this TOU or our websites or the Services. Any action at law or in equity arising out of or relating to this TOU or the use of this website must be filed and resolved only in a state or federal court located in Lancaster County, South Carolina.

PRIVACY AND SECURITY

For information on how Movement Mortgage uses and protects the personal information that you may provide through use of the Services, please review our Privacy Policy.

PERMITTED USE

You may only use the Services to conduct business with one or more of us. You agree not to (i) use the Services in any way that is unlawful, or harms Movement Mortgages or its service providers, or any other users; (ii) impersonate another person or misrepresent your affiliation with another person or entity; (iii) reproduce or otherwise display on any application or website without explicit authorization Movement Mortgage’s intellectual property; (iv) share or distribute any calculations, results, or print-outs created in Movement Mobile to or with any third-parties; or (v) upload invalid data or malicious software agents to the Services.

SEVERABILITY

You agree that if any provision of this TOU is found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of this TOU and shall not affect the validity and enforceability of such other provisions.

NOTIFICATIONS

We may provide you with notices via email and regular mail at the most recent addresses you have provided, or through posting information on Movement Mobile or our website.

MOVEMENT ACCOUNT SERVICES PROVIDED “AS IS,” NO WARRANTIES

Although we will try to provide accurate information, the Services are provided “as is.” We make no representations or warranties, whether express or implied. We and our affiliates, officers, directors, employees, and third-party suppliers disclaim any and all representations, warranties, or guarantees of any kind, whether express, implied, or statutory, relating to the Services.No action arising out of or pertaining to these terms of service may be brought more than one (1) year after the cause of action has arisen.

REVISIONS AND MODIFICATIONS

We reserve the right to temporarily or permanently modify or discontinue the Services, for any reason, without notice. We may also change this TOU from time to time. By continuing to use the Movement Account services after any modifications have been posted you agree to the modified TOU. You further acknowledge and agree that individual modifications to this TOU are not permitted and will not be effective.

SHARING AND USE OF THE MOBILE APPLICATION

You understand that your use of the Services may result in the sharing of information with your current or future real estate agent.  Movement Mortgage is not responsible for representations made by any such real estate agent and/or other third-party with whom the Movement Mobile application is shared.  You acknowledge that by providing your contact information you are providing express consent to be contacted by Movement Mortgage via telephone, text, email, or another method, which contact may involve the use of automated means and prerecorded/artificial voices. You do not need to consent as a condition of buying any property, goods or services. Message/data rates may apply.  If you would like to opt-out of such communications submit a request to movementmobile@movement.com.

MOBILE APPLICATION TOOLS AND CALCULATORS

Any and all calculators provided are for illustrative purposes only and are subject to change without notice. None of the calculations constitute a Loan Estimate.  Calculated data is not an advertisement for any loan terms, interest rates, or payment amounts, even if the same are printed out by you or an authorized third-party.  The calculator and any calculations, results, or print-outs do not constitute a firm offer of credit, a credit decision, a commitment to lend, or a pre-qualification or qualification for any loan or specific loan terms. Calculations, results, or print-outs shall not be distributed to any third-parties. Movement Mortgage does not guarantee the applicability or availability of any terms used or generated by this tool or any other tool available on the mobile application. The calculations, including annual percentage rate (APR), are estimates and do not account for all fees and costs that may affect loan terms, interest rates, or payment amounts. All calculations utilize the credit score range selected by the user and are not an accurate depiction of what your true credit score may be. Loan programs vary on requirements and credit score minimums and can range from 640-740 required credit scores in order to secure the best rates and terms associated with any calculated loan product.  Down payment and eligibility requirements vary by loan program and can range from 0% down to 20% to secure loan financing.  If the product is an ARM loan product, the interest rates, APR, and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM).  ARM loans rely on the current applicable index rate as the basis for adjustable rate mortgages (ARM). Rates are capped at a stated percentage for maximum increase over the life of the loan and will be stated in the ARM Agreement.  Results will vary depending on estimated down payment, loan program, indexes, caps, and margins. VA Loans generally require a funding fee but can be exempted if certain criteria is met.  The funding fee is higher with zero down payment and maximum loan limits vary by county.  If a down payment of 5% or more is made, the VA funding fee can be reduced.  VA funding fee is generally non-refundable.  All loan programs will have varying eligibility and income requirements.  Any monthly amounts are mere estimates and will vary depending on information input related to taxes and insurance.  Results will nary and not all consumers will be eligible for all loan products.

TERMINATION

We may terminate your Movement Mobile Account at any time, for any reason, without notice. You may terminate your account by contacting support@simplenexus.com.

CONTACT INFORMATION

Movement Mortgage is located at 8024 Calvin Hall Road, Indian Land, SC 29707. NMLS ID 39179, www.nmlsconsumeraccess.org, 877-314-1499. Please review additional licensing information on our Legal page.