Terms and Conditions
Terms & Conditions
Welcome to The Universal Loan Exchange ("ULEX," "we," "our," or "us"). By accessing our website, submitting information, communicating with us, or using our services, you agree to be bound by these Terms & Conditions.
1. Our Services
The Universal Loan Exchange is a loan brokerage that assists real estate investors and borrowers by connecting them with third-party lenders and financing solutions. Our services may include loan consultations, financing recommendations, loan application assistance, document collection, underwriting coordination, and transaction support.
ULEX is not a bank or direct lender unless expressly stated. All financing decisions, rates, terms, and approvals are made solely by the participating lender.
2. Use of Our Website
By using this website, you agree to:
- Provide accurate and truthful information.
- Use the website only for lawful purposes.
- Not attempt to interfere with the operation or security of the website.
- Not use this website to transmit fraudulent, unlawful, or harmful content.
We reserve the right to restrict or terminate access to our website if these Terms are violated.
3. No Guarantee of Financing
Submitting an inquiry or loan application does not guarantee financing, approval, interest rates, loan terms, or funding.
All financing is subject to lender underwriting guidelines, property review, investor requirements, and applicable laws and regulations.
4. Electronic Communications
By providing your contact information, you consent to receive communications from The Universal Loan Exchange by telephone, email, and, where you have provided your consent, SMS/text message regarding your inquiry, application, or transaction.
5. SMS/Text Messaging Terms
If you choose to receive SMS communications from The Universal Loan Exchange, you agree to the following:
Types of Messages
You may receive text messages regarding:
- Loan inquiries
- Financing options
- Application updates
- Requests for documentation
- Appointment reminders
- Underwriting updates
- Closing notifications
- Customer service communications
Message Frequency
Message frequency varies depending on your interaction with us and the status of your loan or inquiry.
Message & Data Rates
Message and data rates may apply according to your mobile carrier's plan.
Opting Out
You may opt out of receiving SMS messages at any time by replying:
STOP
After opting out, you will receive one final confirmation message, and no further text messages will be sent unless you provide new consent.
Help
For assistance, reply:
HELP
or contact us directly:
Phone: 443-318-8000
Email: loans@theulex.com loans@theulex.com
Consent
Your consent to receive SMS messages is voluntary and is not a condition of obtaining financing, credit, or any other service from The Universal Loan Exchange.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, designs, and other materials, is the property of The Universal Loan Exchange unless otherwise noted.
No content may be copied, reproduced, distributed, or used without our prior written permission.
7. Third-Party Services
Our services involve coordination with third-party lenders, investors, title companies, appraisers, insurance providers, and other vendors.
We are not responsible for the products, services, decisions, or actions of any third party.
8. Limitation of Liability
To the fullest extent permitted by law, The Universal Loan Exchange shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website or our services.
9. Privacy
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your information.
10. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Updated versions will be posted on this page with a revised Effective Date.
11. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Maryland, without regard to its conflict of law principles.
12. Contact Information
If you have any questions regarding these Terms & Conditions, please contact us:
The Universal Loan Exchange
615 Baltimore Pike, Suite H-1072
Bel Air, MD 21014
Phone: 443-318-8000