THANK YOU FOR VISITING US! Please read these terms and conditions (“Terms of Service & Use of Site”) carefully. By accessing, browsing and otherwise using this website (“use”), www.cheerlending.com ("Site"), you agree to be bound the terms and conditions below. These terms and conditions are subject to change and may not include additional terms related to specific promotions. CheerLending reserves the right to change, modify, add or remove any portion of terms and conditions at any time, and any such amendments will be incorporated into the terms and conditions posted to this Site. Please read the following Terms of Service and Use periodically for any changes. Your continued use of our Site after any posted changes constitutes your binding acceptance of such changes. You may want to print a copy of these disclosures for your records.
CheerLending, LLC, an Arizona limited liability company, which is sometimes referred to below as “CheerLending,” “cheerlending.com,” “we,” “us” or “our”. CheerLending offers an online mortgage loan request service (“Service”) that matches you with potential providers (hereinafter “Provider(s)”). The Site and services provided by CheerLending are available in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified. Providers may include mortgage banks, mortgage brokers, banks, thrifts and credit unions. Our Site allows the user (“you”) to explore mortgage options through cheerlending.com.
Our Service. Providers offer mortgage related products based on inquiry information you provide. Providers in our network (hereinafter “CheerLending Network”) have over one million customers. By providing information to complete the process for obtaining a CheerLending account (“registration”), you gain access to use the Service offered on our Site. To match you with third-party Providers in the CheerLending Network, you agree to provide and utilize electronic communications, mail, signatures, records, and disclosures (“E-Consent”) with CheerLending and separately with Providers.
Additional Terms & Conditions. Online access to your account connects you to potential Providers in the CheerLending Network who may compete for your business. Products and services offered by Providers may be subject to additional terms and conditions. To the extent that additional terms and condition are consistent with these Terms of Service & Use of Site, these additional terms and conditions are hereby incorporated herein by reference; however in the event of any inconsistency between these Terms of Service & Use of Site and any other document incorporated by reference herein, these Terms of Service & Use of Site shall control.
Your Consent to Provide Information. Registration allows initiation of your inquiries and access to our Service. Registration is optional and you agree to use your own discretion when deciding to register for a CheerLending account. To initiate the registration process (hereinafter “prequalification”), you must provide your zip code, an applicable offer code, and any other information requested on our Site’s prequalification form or through telephone interview. In the event that you register to use our Service, you must provide any and all information requested on our Site’s homepage. In the event that you decline registration with cheerlending.com, you will not be allowed to access our Service, however any prequalification or any other information you provide is subject to these Terms of Service & Use of Site. The data and other information you provide is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept related to a loan application.
License Grants. CheerLending hereby grants you a personal, limited, non-exclusive, non- transferable revocable license to use our Site for purposes of using our Service and connecting with Providers of the mortgage products and services contained therein.
CheerLending reserves all rights not explicitly granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of our Site.
By use of this Site, you hereby grant CheerLending a global, non-exclusive, perpetual, irrevocable, transferable, sub-licensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, redistribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein.
BY ACCESSING, BROWSING, PROVIDING INFORMATION FOR PREQUALIFICATION OR REGISTRATION ON THIS SITE AND/OR OTHERWISE USING OUR SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE & USE OF SITE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS OF SERVICE & USE OF SITE, YOU MUST IMMEDIATELY CEASE USE OF OUR SITE.
To be eligible to register for a cheerlending.com account and to access our Service, you must:
By accessing, browsing, clicking any buttons on our Site, registering for a cheerlending.com account, or otherwise using our Site, you certify and affirm to us that these conditions for eligibility have been met. By providing your information to us and by completing the registration process, you agree to refrain from fraudulent activity and/or misrepresenting your identity.
Access and use of this Site is prohibited in any jurisdiction or country where such access or use violates the governing law.
Loans may only be made to residents of, or secured by real property located in, states where Providers are legally licensed or authorized to make loans.
The following types of use are prohibited on this Site:
Prequalification and Registration Information. By providing information necessary to complete any prequalification and/or registration process, you certify that:
In order to help the U.S. government fight identity theft, the funding of terrorism and money laundering activities, Providers may obtain, verify and record information that identifies you. Providers may also obtain, verify and record your identifying information to help attempt to verify your identity, which may include driver’s license documentation in conjunction with running your credit report.
CheerLending does not make credit decisions in connection with any product or service offered to you by any Provider. While CheerLending may not provide information to more than one Provider (as chosen by you), we reserve the right to provide information to other Providers at our discretion.
Requests for Mortgage Options. CheerLending is a mortgage broker, NMLS License No. 1524325, that delivers your options for mortgage-related products. The information you provide to CheerLending, and the information submitted on this Site is not an application for credit; rather, it is an inquiry to be matched with potential Providers in the CheerLending Network. Upon your request or upon registration, CheerLending will share the information you provide with Providers in the CheerLending Network. Providers who obtain your information may:
Termination. You have a right to cancel your CheerLending account at any time and for any reason. To terminate your CheerLending account, send your request to firstname.lastname@example.org. Likewise, CheerLending, in its sole discretion, may terminate, suspend, change or restrict your use of this Site at any time for any or no reason whatsoever; CheerLending assumes no liability to you for any termination action of any kind. If an account is canceled or terminated, we retain indefinite ownership over any and all information you supply to us at prequalification, registration and all information you supply for the duration of your CheerLending account. Termination and discontinuation of your access to our Site is your sole and exclusive remedy with respect to any dissatisfaction with (i) our Site, (ii) any term or condition under these Terms of Service & Use of Site or (iii) any policy or practice of cheerlending.com in operation of our Site.
E-Consent. When you use our Site and services, you are subject to our E-Consent terms and conditions. You agree to conduct and accept transactions with CheerLending and Providers in the CheerLending Network electronically by use and acceptance of electronic mail, electronic signatures, electronic agreements, electronic documents, electronic disclosures and electronic notices (collectively, the “Communications”).
Scope of E-Consent. This E-Consent applies to all Communications, including, but not limited to, online interactions between you and CheerLending and between you and Providers in the CheerLending Network, that may be conducted using any computer, mobile device, smart phone, tablet or any similar or other device that has online access or utilizes the internet. Agreement to this E-Consent allows CheerLending and Providers in the CheerLending Network to engage in electronic Communications with you and to process or your information or interact with you online. CheerLending or Providers in the CheerLending Network may send you electronic Communications either posted online or via email related to their interactions with you.
Providers may also provide additional online Communications on their separate websites or via email.
Requesting Paper Copies. To request a paper copy of any Communications between you and CheerLending, please refer to CheerLending’s Contact Information set forth herein under the caption, “CHEERLENDING CONTACT INFORMATION.” You may contact the Provider directly for paper copies of Communications with a Provider. If you withdraw your consent to receive Communications electronically, we reserve the right to charge you reasonable fees for paper copies that may be requested. Providers will provide paper copies at no charge and will retain records of their Communications with you as may be required by law.
Withdrawal Of Your E-Consent. To withdraw your E-Consent to receive electronic Communications from us, please refer to CheerLending’s Contact Information set forth herein under the caption, “CHEERLENDING CONTACT INFORMATION.” You. To withdraw your E-Consent to receive electronic Communications from any Provider(s), you will need to separately contact each Provider directly and request withdrawal under that particular Provider’s separate terms and conditions.
Email address required. By using our Site and providing an email address to us, you agree that such email is valid and belongs to you. Providing your email to us confirms that you maintain such email address by regularly checking and reading the Communications contained therein. Providing your email confirms your receipt and acceptance of any and all Communications we may send to you from time to time.
Changes to Your Email Address. In the event that your email address changes, you agree to notify CheerLending of any change to your email address and update your account information with a valid and functional email address. You can update your contact information by logging onto your CheerLending account and editing your user profile.
The following hardware and software is required to access and retain electronic documents from this Site:
Use of the CheerLending Service and our Site are at your own risk. CheerLending is not a lender or credit counselor. CheerLending does not monitor your credit nor provide credit improvement services. Accurate adverse information on your credit report cannot be changed.
CheerLending is not an agent of you or any Provider and our services are purely administrative. You are entirely responsible for exercising your own independent judgment when deciding whether a mortgage product is right for you and appropriate for your circumstances. You are under no obligation to complete a mortgage with any Provider to which you are introduced through CheerLending.
CheerLending does not warrant or guarantee the products or services of any Provider or Service offered to you or any particular mortgage product and is not party to any discussions or agreements you enter into with any Provider. Likewise, CheerLending does not guarantee that mortgage rates and terms offered and accessible through any Provider are the best terms or lowest rates available in the market.
You agree to hold CheerLending, and its members, managers, officers, employees, representatives, and agents, harmless from all claims and expenses, including attorneys’ fees, arising out of any violation of and under these Terms of Service & Use of Site. CheerLending makes no representations or warranties, either express or implied, that the services or information provided on this Site will operate to your benefit or meet your needs or desires.
Any dispute regarding CheerLending or this Site shall be construed in accordance with, and shall be governed by, the laws applicable to the State of Arizona, without regard to Arizona’s conflict- of-laws rules. All claims arising out of, or related to, CheerLending or this Site, will be litigated exclusively in a state or federal court in Phoenix, Arizona, and you and CheerLending submit to personal jurisdiction in those courts.
By electing to use our Site and services when you provide information to CheerLending through our prequalification and registration processes, you automatically consent to the following:
Terms of Service & Use of Site. I hereby confirm that I have reviewed these Terms of Service and Use in its entirety and I consent to be subject to cheerlending.com.’s Terms of Service & Use of
Identity & Eligibility Verification. I hereby certify that I am at least 18 years of age and possess a valid social security number. In order to help the government fight identity
theft, the funding of terrorism and money laundering activities, and to help verify my identity, CheerLending or Providers in the CheerLending Network may obtain, verify and record information that identifies me, including, but not limited to, driver’s license documentation in conjunction with running credit reports.
Hardware Requirements. I have electronic access that conforms to the minimum hardware and software requirements specified under these
Disclaimer, Integration and Consent to Jurisdiction. I agree with statements in this agreement regarding disclaimers, integration and consent to
CheerLending can be contacted via the following methods to resolve your questions, requests and inquiries under these Terms of Service & Use of Site:
Do Not Call Information. CheerLending is a marketing lead generator and therefore might send you promotional mailers, emails or call you from time to time to inform you about promotions. If you receive unwanted promotional mailers or emails you can “opt out” of these promotions under “My Profile” or by following instructions that may be included in emails to “unsubscribe” to certain promotions. You may elect not to receive calls from CheerLending or its marketing affiliates by submitting a written request to be added to CheerLending’s Do Not Call list using the following methods:
Do Not Call requests will be honored within 30 days of receipt and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the CheerLending Do Not Call list.
We 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.