Terms & Conditions

By using this site you agree to these terms and conditions set forth below.

If you are using or accessing the services on behalf of a company or other legal entity, you are representing that you have the authority to bind the company or other legal entity to the terms of the agreement and acknowledge and understand that both you, individually, and the company or entity which you represent are bound by this agreement. If you do not want to register an account and become a user, do not agree to be bound by this agreement, do not access, view, download or otherwise use any Integrity First Financial, Inc. webpages, app, information or services.

Indemnification: you will indemnify us and hold us harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys’ fees and costs) related to all third party claims, charges, and investigations, caused by (1) your failure to comply with this agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (2) any content you submit to the services, and (3) any activity in your account or which you engage in or through your use of the services.

Terms of Use

These Terms of Use, and our Privacy Policy, as each is amended from time to time, apply to you when you view, access or otherwise use the web site located at https://www.integrityloans.com (the “Website”). The Website is owned by Integrity First Financial, Inc. (“Integrity First Financial, Inc.”), which is headquartered in Syracuse, UT. For the purposes of these Terms of Use, the terms “we,” “us” and “our” refer to “Integrity First Financial, Inc.” and “you” or “your” refer to a user of this Website. (a) Only authorized users who have entered into a separate license agreement with “Integrity First Financial, Inc.” may use our products and services. These Terms of Use (“Terms”) govern your use of the Website only. All site visitors are subject to these Terms of Use and must be over the age of 18. By accessing or using the Website, you are acknowledging that you are over 18 years of age, and that you have read, understand, and agree without limitation or qualification to be bound by these Terms. If you do not agree with these Terms or are not over the age of 18, you do not have the right to access or otherwise use the Website and, accordingly, you should not do so. “Integrity First Financial, Inc.” reserves the right to modify these Terms from time to time without notice.

By accessing or using the Services, you acknowledge that you are considering Integrity First Financial, Inc. as your Loan Officer. You acknowledge and agree that you are entering into a lawful consumer relationship with Integrity First Financial, Inc. You have no obligation to work with Integrity First Financial, Inc., and you may terminate your use of the Services provided by Integrity First Financial, Inc. at any time. You represent that you have a bona-fide interest in the purchase, sale, or refinance of real estate through Integrity First Financial, Inc. Any information you obtain from the Services is intended for your personal, non-commercial use. You agree to not copy, redistribute, or retransmit any data or information provided through the Integrity First Financial, Inc. except in connection with your consideration of the purchase, sale, or refinance of real property. You acknowledge that the individual multiple listing service (MLS) which supplies the listing data owns the rights to such data, and you acknowledge the validity of the MLS’s copyright of such data.

The Services offered by us are based in the United States. We may change, suspend, or discontinue all or any part of the Services, or deny you access to all or any part of the Services, without notice and without reason. By accessing the Services, you agree that you will not:

• Use the Services for any unlawful purpose, impersonate any person or entity, or misrepresent your affiliation with a person or entity;
• Reproduce, modify, distribute, display, or otherwise provide access to, create derivative works from, decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Services, except as explicitly permitted under these Terms;
• Obscure, block, or interfere with any advertisements or safety features on the Services;
• Circumvent, remove, alter, degrade, or thwart any protections in the Services, or use the Services to collect any market research;
• Use automated means, including spiders, robots, crawlers, or data mining tools, to download or scrape data from the Services, directly or indirectly, except for Internet search engines (e.g., Google) and non-commercial public archives (e.g., archive.org) that comply with our robots.txt file;
• Take any action that imposes or may impose (in our discretion) an unreasonable load on our technical infrastructure; or
• Interfere with the proper operation of the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any data, files, or passwords related to the Services through hacking, password or data mining, or any other means.

Eligibility

You must be at least 18 years of age to use the Services. By agreeing to these Terms, you represent and warrant that:

• You are at least 18 years of age.
• You have not previously been suspended or removed from use of the Services.
• Your registration and your use of the Services is in compliance with all applicable laws and regulations.

Security

You are prohibited from violating or attempting to violate the security of the Services, including, without limitation:

• Accessing data not intended for your viewing or logging into a server or account which you are not authorized to access
• Attempting to probe, scan, or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization
• Attempting to interfere with service to any user, host, or network.

Violations of system or network security may result in civil or criminal liability. Integrity First Financial, Inc. will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Software

You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to use the software and related functionality embedded in the Services (collectively, “Software”). Certain Software that Integrity First Financial, Inc. uses to provide the Services has been licensed from third parties (each, a “Third Party Licensor”) that are not affiliated with Integrity First Financial, Inc. Your limited right to use the Software is revocable in the discretion of Integrity First Financial, Inc. and its Third-Party Licensors. You agree to download and install all Software updates for the Services promptly once they are available to you. Integrity First Financial, Inc. and its Third-Party Licensors have no obligation to correct any bugs, defects or errors in the Services or Software, or to otherwise support, maintain, improve, modify, upgrade, update, or enhance the Services or Software.

Information Subject to Change

Although Integrity First Financial, Inc. tries to provide accurate and timely information, the content of the Services may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in the Services are subject to change at any time without notice. Integrity First Financial, Inc. may change the products, services and other information identified on the Services at any time. Applicable terms, conditions, and eligibility requirements are subject to change and not all Services are available in all geographic areas. The information published on the Services is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on the Services shall be at your sole risk and responsibility. Your eligibility for particular Services is subject to final approval, determination, and acceptance by Integrity First Financial, Inc. in its sole and absolute discretion, notwithstanding your visit to and/or use of the Services.

Links

The Services may contain links and may enable you to post content to third party websites that are not owned or controlled by Integrity First Financial, Inc. We are not affiliated with, have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You: (i) are solely responsible and liable for your use of and linking to third party websites and any content that you may send or post to a third-party website, and (ii) expressly release Integrity First Financial, Inc. from any and all liability arising from your use of any third-party website. Accordingly, we encourage you to read the terms and conditions and privacy policy of each third-party website that you may choose to visit, link to, or post content on. Any advice, opinions, or recommendations provided by third party websites are those of the third-party website providers and not of Integrity First Financial, Inc. Your participation in any linked third-party website, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the third-party website provider.

Telecommunications Providers

You agree that when you use the Services, you will remain subject to the terms and conditions of all of your existing agreements with us, our affiliates and/or any unaffiliated service providers and your internet service provider and mobile service carrier or provider, and that these Terms do not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of the Services (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with the Integrity First Financial, Inc. Apps), and you agree to be solely responsible for all such fees, limitations, and restrictions. You agree that only your mobile service carrier or internet service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us.

Communications

By your use of the Services, you also expressly consent to receiving servicing, collection, marketing and other calls and messages (including auto-dialed and pre-recorded message calls), SMS messages (including text messages), faxes, letters, and emails from us, our affiliates, marketing partners, agents, and others communicating at their request or on their behalf, via any telephone numbers (including any cellular telephone numbers), mailing addresses, or email addresses, or by using any other information that you have provided or may provide in the future. Your cellular or mobile telephone provider may charge you according to the type of plan you carry. Your consent will be effective regardless of any registration with any state or federal Do Not Call list or other comparable list or registry. Your consent for auto-dialed and prerecorded calls shall remain in effect until you revoke it. Your consent to these calls may be revoked by informing the telemarketing representative or by any other reasonable method that ensures we receive the revocation. Your consent to telemarketing calls is not a condition of obtaining the Services.

By submitting any comment, complaint, suggestion, improvement, idea, testimonial or other communication (each, a “Submission”) to Integrity First Financial, Inc. through the Services or any other method, you acknowledge and agree that any and all Submissions, and all rights therein, become the sole and exclusive property of Integrity First Financial, Inc. including any future rights, regardless of any subsequent modification or deletion of the provisions in the Terms. You acknowledge and agree that you irrevocably disclaim any right in the Submission and that the right to use, publish, display, commercially exploit, and create derivative ideas based on the Submission belong exclusively to Integrity First Financial, Inc. with no compensation, notice, credit, or other obligation being due or owed to you or anyone else.

You also consent to the recording and monitoring, for quality assurance, training, risk management, collection or other purposes, of any calls or other communications that you place with or send to us (or our agents, representatives, affiliates, third parties or anyone contacting on our behalf) or that we (or our agents, representatives, affiliates, third parties or anyone contacting on our behalf) place to or send to you.

Please note that messages you send to Integrity First Financial, Inc. by email may not be secure. Integrity First Financial, Inc. recommends that you do not send any confidential information to Integrity First Financial, Inc. by email. If you choose to send confidential information to Integrity First Financial, Inc. via email, you accept all risk that such information may be intercepted by a third party.

Updated August 21, 2026