Ark Mortgage. (“Ark”) provides the use of this website subject to the following terms and conditions, known as “Terms of Use.” Navigating to webpages beyond the Arks homepage indicates your acceptance and agreement of these Terms of Use.

Privacy

Please review our Privacy Policy, which also governs your use of our website.

Electronic Communications

When you visit ArkMortgage.com or send emails to us, you are communicating with us electronically and you are consenting to receive communications from Ark electronically. We will communicate with you by email. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Trademarks

Ark Mortgage’s trademarks may only be used with the express written consent of Ark Mortgage and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Ark. All other trademarks not owned by Ark Mortgage or its subsidiaries that appear on this site are the property of their respective owners.

License and site access

Ark Mortgage grants you license to limited access for personal use of this site and not to download (other than page caching) or to modify any portion of it, except with express written consent of Ark Mortgage. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices. This website or any portion of this website may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent from Ark Mortgage. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of ArkMortgage.com so long as the link does not portray Ark Mortgage, our subsidiaries or affiliates or their products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use the Ark Mortgage logo or other proprietary graphic or trademark as part of the link without express written permission.

Your account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. Ark Mortgage and its subsidiaries and affiliates reserve the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact the following:

Ark Mortgage
Attn: IT
1 Perlman Drive
Suite 200
Spring Valley, NY 10977

Product and service descriptions

Ark Mortgage and its subsidiaries and affiliates attempt to be as accurate as possible. However, the information contained in this website is for general information purposes only and Ark Mortgage does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.

Website Ownership

This website is owned and operated by

Ark Mortgage
1 Perlman Drive
Suite 200
Spring Valley, NY 10977

Updates

These Terms and Conditions were last updated 03/22/2018. Please check periodically for changes.

Processing

We offer no guarantees in terms of processing time for any particular loan, application or other information or service. Though we will make every effort to ensure that information is processed as quickly as possible, in order to ensure that information is processed correctly and in light of the fact that there may be circumstances beyond our control which prevents the timely processing of information, applications, etc., the user agrees to indemnify and hold harmless Ark Mortgage for any delays in processing information submitted and processed through the website, and/or other damages allegedly related to submission of information to and/or through the website.

Intellectual Property

All information and content available on the Website, including but not limited to trademarks, logos, and service marks, text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and organization thereof (collectively, the “Content”) is the property of Ark Mortgage, our affiliates, partners or licensors, and is protected by United States and international laws, including laws governing copyrights and trademarks.
Except as set forth in the limited licenses in these Terms and Conditions, or as required under applicable law, neither the content nor any portion of the website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.
You shall have no right to use the proprietary Ark Mortgage technology for any purpose other than accessing the website and using the services offered. Use of the website does not transfer from Ark Mortgage to you any of Ark Mortgage’s technology, and all rights, titles and interests in and to any Ark Mortgage technology and all services shall remain solely with Ark Mortgage. You shall not, directly or indirectly, reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from any of the Ark Mortgage technology if such reverse engineering, or disassembly is intended to create, or will be used in, a competitive product.

Third Party Links

You may click on certain links within this website that may take you to other websites, or may display information on your computer screen from other websites, which are not maintained by Ark Mortgage. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to the Ark Mortgage website. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.
ARK MORTGAGE, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH THIS SITE IS LINKED AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY ARK MORTGAGE. IT IS THE SOLE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON ANY LINKED SITE. ALL INFORMATION, PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Indemnification

In no event will Ark Mortgage be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if Ark Mortgage is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless Ark Mortgage for any and all damages and losses as described above relating to your use of the website.

Consent to Electronic Delivery

You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you are able to use the website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided by Ark Mortgage as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:

Ark Mortgage
1 Perlman Drive
Suite 200
Spring Valley, NY 10977

Applicable Law

By visiting ArkMortgage.com, you agree that the laws of the State of New York, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Ark and/or its subsidiaries and affiliates. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Rockland County, New York, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
Entire Agreement
This Agreement constitutes the entire agreement between you and Ark Mortgage governing your use of the website and supersedes any prior and contemporaneous agreements between you and Ark Mortgage with respect to the subject matter above.

General

You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of the website, and supersede and govern all prior proposals, agreements, or other communications;
Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and Ark Mortgage. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.

Electronic Agreement

You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through the Ark Mortgage website and via email (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at (833) 215-8500. You should also keep us informed of any change in your email or mailing address by contacting us at (833) 215-8500.
By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware.
By continuing, you electronically agree to allow Ark Mortgage to view your credit history.
If you have any questions regarding the Terms and Conditions please contact us at:

Ark Mortgage
1 Perlman Drive
Suite 200
Spring Valley, NY 10977

Disclaimer

The information contained in this website is for general information purposes only. It is believed to be reliable, but Ark Mortgage does not warrant its completeness, timeliness or accuracy. To the fullest extent permissible under applicable law, Ark Mortgage disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. 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 including 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, as well as, associated fees, charges and interest rates 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 Ark Mortgage 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.
If you have been referred from another website (including but not limited to any social media site), the information contained in the referring website is for general information purposes only. The information contained there has not been reviewed or approved by Ark Mortgage and is provided solely and exclusive by the site’s author. Ark Mortgage makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Through the referring website you may be able to link to other websites which are not under the control of Ark Mortgage. Ark has no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
You acknowledge and agree that Ark Mortgage is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, Ark Mortgage expressly disclaims all warranties of any kind, whether express or implied, including, not limited to the implied warranty of merchantability and fitness for a particular purpose.

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