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Terms And Conditions
WEBSITE OWNERSHIP
This website is owned and operated by StartKredi, Barbaros Mah Mor Sumbul Sok Varyap Meridian I-Blok Daire:142 Istanbul, Turkey, which is referred to below as “StartKredi” or “we” or “us” or “Company” or “our.”
ACCEPTANCE OF TERMS
YOU AGREE THAT:
your use of this website is subject to and governed by these Terms of Use,
you will only access or use this website and transact business with us if you are at least 18 years old,
you will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website,
each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
these Terms of Use are a legally binding agreement between you and StartKredi that will be enforceable against you.
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with StartKredi as a bona fide client of StartKredi; you may not use or attempt to use this website or any part of this site for any purpose:
that interferes with or induces a breach of the contractual relationships between StartKredi and its employees,
that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications,
that transmits any harmful or disabling computer codes or viruses,
that harvests e-mail addresses from this site,
that transmits unsolicited e-mail to this site or to anyone whose e-mail address is included the domain name on this website,
that interferes with our network services,
that suggests an express or implied affiliation with StartKredi or broker relationship with StartKredi (without the express written permission of StartKredi),
that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with StartKredi as a bona fide client of StartKredi.
ACCESS TO THIS WEBSITE
StartKredi reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.
USE OF THIS WEBSITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
WEB PAGE CONTENT
You acknowledge and agree that:
all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
all rights associated with the Web Page Content are owned by StartKredi, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
in or as any meta-tag or hidden text;
in or as part of any contextual marketing directory, index, or triggering term;
as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.
MORTGAGE LOAN SERVICES
StartKredi offers loan origination services to borrowers and is generally compensated for such services by the borrower. You should rely on your own judgment in deciding which available loan product and terms best suits your needs and financial means. You understand that StartKredi may keep your loan request information and any other information provided by you in the processing of your loan request, whether or not you are qualified for a loan or if you make a loan with StartKredi. You agree to notify StartKredi directly if you no longer want to receive communications.
The Websites and the services provided by StartKredi are available in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified. Loans may only be made to residents of, or secured by real property located in, states where StartKredi is licensed or authorized to make such loans. StartKredi expressly reserves the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.
StartKredi does not guarantee acceptance into any particular loan program or specific loan terms or conditions; loan approval standards are established and maintained solely by the secondary market investors to whom StartKredi transfers its loans. Likewise, but subject to any promotional low price guarantee that may be offered by StartKredi from time to time, StartKredi does not guarantee that the loan terms or rates offered are the best terms or lowest rates available in the market. A loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan offer, loan commitment or interest rate lock-in agreement. To help the government fight identity theft, the funding of terrorism and money laundering activities, StartKredi will obtain, verify and record information that identifies each person and StartKredi may ask for your name, TC identity number or passport number, address, date of birth and other important information that will allow us to properly identify you. During the application process, StartKredi may also ask to see your driver’s license or other identifying documentation.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a loan product through StartKredi. By this submission, you are extending an express invitation to StartKredi to contact you by telephone at the number(s) you have provided so we may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call (or similar) list, or by email at the email address you provided or at another address that may be associated with you and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with StartKredi or by completing a submission, you give StartKredi permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete applications, deadlines, quality of services or other matters in connection with your submission. For any service, you represent that all of the information you have provided in your submission and application is true and complete. You also authorize StartKredi, along with any additional secondary market investors necessary to complete your loan transaction, to request from one or multiple credit bureaus / reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history.
MORTGAGE STATUS PORTAL
On occasion, the Websites may offer the ability to find real-time status of your loan’s progress. The accuracy of such progress or status in not guaranteed to be accurate, though StartKredi intends that all status information is accurate and up-to-date. Reasons for inaccuracy may be due to user error and/or failure to provide accurate information or documentation when requested. If there is reason to believe that the information contained in any loan status data found on the Websites is inaccurate, please contact your account manager or loan officer. Nothing contained in the Mortgage Status Portal shall be construed as replacing, supplementing or acting as any type of mortgage loan-related disclosure that may be required by law of the Turkish Republic.
ELECTRONIC COMMUNICATIONS
StartKredi, its secondary market investors and providers may choose to electronically deliver all information related to its services and your requests. StartKredi, its secondary market investors and providers electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, other terms, conditions and documents, and the privacy policies of StartKredi, its secondary market investors and providers. You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with StartKredi, its secondary market investors and providers. This means that StartKredi, its secondary market investors may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from its secondary market investors and providers or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.
TESTIMONIALS
You acknowledge and agree that all testimonials submitted to StartKredi will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to StartKredi the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that StartKredi may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictitious name herewith.
LINKING
Not
Responsible For Links to Other websites: For your convenience, this
website may provide links to other websites on the World Wide Web.
Unless expressly stated otherwise on this website, StartKredi does
not endorse, approve, sponsor or control, and we are not in any way
responsible for, any of the content, services, calculations,
information, products or materials available at or through any
websites to which this website may provide a link. By using this
website you acknowledge and agree that StartKredi will not be
responsible or liable to you or any other person for any damages or
claims that might result from your use of such content, services,
calculation, information, products or materials.
No
Advertising / No Links: StartKredi does not permit third-party
advertising on this website. Except with the written permission of
StartKredi, you agree that you will not create links from any website
or Web page to this website or any Web page within this website.
REVISIONS AND MODIFICATIONS
You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the CEO of StartKredi.
LOCATION
You understand and acknowledge that StartKredi controls and operates this website from within the Republic of Turkey. This website provides information regarding services and products that are made available in the Turkey only. We make no representation that the services or products about which information may be provided on this website will be available anywhere outside of Turkey. You acknowledge and agree that you are responsible for compliance with all laws of the Republic of Turkey.
USER IDs AND PASSWORDS
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify StartKredi immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
PRIVACY AND SECURITY
For information on how StartKredi uses and protects the personal information that you may provide through this website, please refer to our Privacy Policy.
INDEMNIFICATION
If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of Turkey, as well as applicable international laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify StartKredi and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of StartKredi and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.
DISCLAIMERS
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, STARTREDI 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. STARTKREDI MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. STARTKREDI HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.
YOU ACKNOWLEDGE AND AGREE THAT STARTKREDI 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, STARTKREDI EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. STARTKREDI MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT STARTKREDI, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL STARTKREDI BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT STARTKREDI SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL STARTKREDI‘S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this website, PC-talk, chat or via e-mail, do not use the website, PC-talk, chat or e-mail to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, PC-talk, chat or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals:
All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by StartKredi in writing and electronic notifications. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as specifically provided for in writing by StartKredi.
E-Signature:
General communications through this website, PC-talk, chat or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.
Recording & Monitoring of Communications:
Your communications with us via the website, PC-talk, chat e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
CONTACT METHODS AND OPT-OUT
Permission to Be Contacted: By submitting information to StartKredi through this website or otherwise, you are making an inquiry as to lending programs and services offered by StartKredi and give StartKredi permission to contact you through e-mail, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.
Permission to Share Your Information: When you “submit” information through the StartKredi’s website or otherwise, StartKredi may send your information to its affiliates.
Opt-out: For information regarding our Opt-out policy, please refer to our Privacy Policy.
APPLICATION OF ADDITIONAL TERMS
You acknowledge that certain features of this website, as well other products and services of StartKredi, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.
AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which StartKredi may rely.
YOUR COOPERATION NEEDED
StartKredi generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information StartKredi may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify StartKredi of any changes in any information submitted in connection with your application.
REASONABLE EFFORTS
While StartKredi will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some processes are not under our control. For instance, StartKredi cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; or any other matters beyond StartKredi’s reasonable control.
DISPUTE RESOLUTION
Any
claim or controversy arising out of or relating to the use of the
Websites, to the goods or services provided by StartKredi, or to any
acts or omissions for which you may contend StartKredi is liable,
including but not limited to any claim or controversy as to
arbitrability (“Dispute”), shall be finally, and exclusively,
settled by arbitration. The arbitration shall be held in Turkey. To
begin the arbitration process, a party must make a written demand
therefore.
Any judgment upon the award rendered by the
arbitrators may be entered in any court of competent jurisdiction in
Turkey, Istanbul, Bakirkoy adliye. The arbitrators shall not have the
power to award damages in connection with any Dispute in excess of
actual compensatory damages and shall not multiply actual damages or
award consequential, punitive or exemplary damages, and each party
irrevocably waives any claim thereto, except in Maine where state law
will control all rights and remedies in the arbitration. The
agreement to arbitrate shall not be construed as an agreement to the
joinder or consolidation of an arbitration under this agreement with
an arbitration of disputes or claims of any non-party, regardless of
the nature of the issues or disputes involved. To the fullest extent
permitted by applicable law, no arbitration under this Agreement
shall be joined to an arbitration involving any other party subject
to this Agreement, whether through class arbitration proceedings or
otherwise.
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN
YOU AND STARTKREDI WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS
GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS.
YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS.
YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS. You are
entitled to a fair hearing, and the arbitration procedures are
simpler and more limited than rules applicable in court. Arbitrator
decisions are enforceable as any court order and are subject to very
limited review by a court. By using StartKredi’s goods, facilities
and services, you consent to these restrictions.
SEVERABILITY
You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.
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