Legal and Privacy Policy

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

Customer service is very important to all of us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers.We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

Terms of Condition

These terms and conditions govern the communication between OPTIST Inc. (hereinafter referred to as "Company", "we", "us", or "our") and you (the "Client" or "you") in the context of your mortgage application and other related services. By engaging with our services, you agree to these terms. By submitting a mortgage application or engaging with our services, you expressly consent to receive automated and manual communications, including emails, text messages, and phone calls from the Company regarding your mortgage application, account updates, service offerings, and promotional information. You acknowledge that consent to receive these communications is not a condition of any purchase or service provided by us.

For text message communications, you will be required to confirm your consent by replying with a specific keyword (e.g., "YES") to an initial opt-in message sent by us.

Email communications will be initiated only after you have explicitly opted in through our website or application process. The frequency of messages may vary based on your interaction with our services and the status of your mortgage application. We will provide necessary updates and information without overwhelming communication. You acknowledge that message and data rates may apply according to your service plan with your telecommunications provider. The Company is not responsible for any charges related to the reception of messages. You have the right to opt-out of receiving promotional communications at any time by following the unsubscribe instructions provided in the communication or by contacting our customer service.

For text messages, you can opt out by replying with the word "STOP." After opting out, you will receive one final message confirming your decision. We are committed to protecting your personal information. Our Privacy Policy, which is incorporated by reference into these Terms and Conditions, outlines how we collect, use, and safeguard your data. You agree to provide accurate and current information and to update it as necessary to maintain its accuracy. The Company reserves the right to modify these terms and conditions at any time. Any changes will be effective immediately upon posting on our website or through direct communication with you. These terms and conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which the Company operates, without regard to its conflict of law provisions. For any questions or concerns regarding these terms and conditions or your communications preferences, please contact us at info@optistinc.com. By engaging with OPTIST Inc. and utilizing our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions for Communication Compliance.