Terms and Conditions

Welcome to the website operated by James Igbinovia ("we," "us," or "our"), Originating Branch Manager at CrossCountry Mortgage, LLC (NMLS #3029). James Igbinovia is a licensed mortgage loan originator (NMLS #626688) licensed in Arizona and California. This website is a personal marketing website operated by James Igbinovia to provide information about mortgage products and services available through CrossCountry Mortgage, LLC. This website is not the official corporate website of CrossCountry Mortgage, LLC.

1. About This Website

This website is operated by James Igbinovia, an Originating Branch Manager at CrossCountry Mortgage, LLC. The purpose of this website is to provide information about mortgage loan products and services, collect inquiries from prospective borrowers, and facilitate the mortgage application process. All mortgage loans originated through this website are processed and funded by CrossCountry Mortgage, LLC (NMLS #3029), a licensed mortgage lender. James Igbinovia is not a lender and does not make credit decisions.

2. Contact Information

3. Use of This Website

You are granted a limited, non-exclusive, non-transferable license to access and use this website for the purpose of learning about mortgage products and services and submitting inquiries. You may not copy, reproduce, distribute, modify, or create derivative works from any content on this website without prior written permission. Automated data collection, scraping, or crawling of this website is prohibited.

4. Information You Submit

When you submit information through forms on this website, including your name, phone number, email address, and details about your mortgage needs, you are requesting that James Igbinovia and his team at CrossCountry Mortgage, LLC contact you regarding mortgage products and services. You represent that any information you provide is accurate and that you are authorized to provide it. Please see our Privacy Policy for details on how your information is collected, used, and protected.

5. SMS/Text Message Communications

When you submit a form on this website and check the SMS consent checkbox, you are providing your express written consent to receive text messages from James Igbinovia at CrossCountry Mortgage, LLC at the phone number you provided. By opting in, you understand and agree to the following:

5.1 Types of SMS Messages

You may receive the following types of text messages:

Transactional and Informational Messages:

• Follow-up communications regarding your mortgage inquiry or application
• Appointment confirmations and reminders
• Updates on the status of your loan application
• Responses to questions you have submitted through our website
• Important notifications related to your requested services

5.2 How Consent is Obtained

SMS consent is obtained exclusively through clearly labeled checkbox opt-ins on the forms on this website. You must affirmatively check the SMS consent checkbox and submit the form to opt in. Consent is not required as a condition of purchasing any goods or services. Your consent applies only to text messages from James Igbinovia at CrossCountry Mortgage, LLC.

5.3 Message Frequency and Rates

Message frequency varies based on the nature of your inquiry and your interactions with us. You may receive multiple messages related to your mortgage inquiry or application. Standard message and data rates may apply depending on your mobile carrier and plan. We are not responsible for any charges from your mobile carrier.

5.4 Opting Out of SMS Messages

You may also opt out by:

• Replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message
• Calling us at (623) 210-2466 to request removal from SMS communications
• Emailing James.Igbinovia@ccm.com with your phone number and a request to opt out of SMS

5.5 Getting Help

Reply HELP to any text message for assistance, or contact us directly at (623) 210-2466 or James.Igbinovia@ccm.com.

5.6 Consent Not Shared

We do not sell, rent, or share your SMS consent status or phone number with third parties for their marketing purposes. Your opt-in data is used solely for the purpose of sending you text messages from James Igbinovia at CrossCountry Mortgage, LLC, and by our authorized service providers (such as Go High Level) who facilitate message delivery on our behalf.

5.7 Carrier Liability Disclaimer

Mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, and other wireless carriers) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator and is outside our control. You acknowledge and agree that:

• Carriers are not responsible for the content, timeliness, or accuracy of any SMS messages
• Carriers are not liable for any delays, failures, or errors in the transmission or delivery of SMS messages
• Carriers are not responsible for any charges incurred as a result of SMS messaging
• Neither James Igbinovia, CrossCountry Mortgage, LLC, nor any mobile carrier will be liable for any damages arising from or related to SMS messaging services

6. Telephone and Email Communications

By submitting your information through this website, you are making an inquiry regarding mortgage lending products and services and you authorize James Igbinovia and his team at CrossCountry Mortgage, LLC to contact you by telephone (including calls and text messages to any wireless number you provide), email, and mail regarding your inquiry, even if your phone number is on a state or federal "Do Not Call" list. You understand that this consent is not a condition of purchasing any goods or services.

7. Disclaimers

All mortgage loans are subject to underwriting approval by CrossCountry Mortgage, LLC. Certain restrictions apply. Interest rates, terms, and programs are subject to change without notice. This website does not constitute an offer to lend or a commitment to any specific terms. Contact James Igbinovia for current rates and program details.

8. Limitation of Liability

To the fullest extent permitted by applicable law, James Igbinovia and CrossCountry Mortgage, LLC shall not be liable for any direct, indirect, special, incidental, or consequential damages arising out of or related to your use of this website, including but not limited to damages for lost profits, loss of data, or business interruption, regardless of the theory of liability.

9. Indemnification

You agree to indemnify and hold harmless James Igbinovia and CrossCountry Mortgage, LLC, their subsidiaries, affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, arising from your use of this website or violation of these Terms and Conditions.

10. Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of James Igbinovia or CrossCountry Mortgage, LLC and is protected by copyright and trademark law. The CrossCountry Mortgage name, logo, and related trademarks are the property of CrossCountry Mortgage, LLC. Unauthorized use of any content on this website is prohibited.

11. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only and do not constitute an endorsement. We are not responsible for the content, privacy practices, or availability of third-party websites. We encourage you to review the terms and privacy policies of any third-party websites you visit.

12. Children's Privacy (COPPA)

This website is not intended for use by anyone under the age of 18. We do not knowingly collect information from children under the age of 13. If you are a parent or guardian and believe that your child has submitted personal information through this website, please contact us immediately at James.Igbinovia@ccm.com so we can delete the information.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law principles. Any dispute arising from these terms or your use of this website shall be resolved in the state or federal courts located in Maricopa County, Arizona.

14. Modifications to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be effective when posted on this page with a revised "Last updated" date. Your continued use of this website after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically.

15. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of this website. Our failure to enforce any provision of these terms shall not constitute a waiver of that provision.