Terms & Conditions
Effective October 19, 2026
These Terms govern your use of the websites, forms, calculators, borrower portal, chat, and communications (the "Services") provided by Anthony Rega, also doing business as loanfactory.io and the affiliated companies listed in our Privacy Policy ("we," "us"). By using the Services you agree to these Terms.
1. Use of the Services
You must be 18 or older and provide accurate information. You may not misuse the Services, attempt unauthorized access, scrape, or interfere with their operation. We may suspend access at any time.
2. Consent to communications
If you provide your phone number and check the consent box, you expressly consent to receive calls and text messages (SMS/MMS) from us at that number—including marketing, loan and application updates, and appointment reminders—made or sent using an automatic telephone dialing system or other automated technology, an artificial or AI-generated voice, and/or prerecorded messages. You also consent to receive emails. This consent applies even if your number is on the National Do Not Call Registry, a state Do Not Call list, or our internal list, until you revoke it. You represent that you are the subscriber or customary user of the number. Consent is not a condition of purchasing any property, goods, or services. Message frequency varies; message and data rates may apply. See our SMS Terms.
3. Revoking consent
You may revoke consent at any time by any reasonable means, including replying STOP (or similar words such as QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE, OPT OUT) to any text, telling us on a call, using an email unsubscribe link, or emailing our contact form. We will honor revocations promptly as required by law. You may receive one confirmation text after opting out. We may still send messages required by law or that you specifically request where permitted.
4. Call recording and AI
Calls may be monitored, recorded, and transcribed, and may be handled in whole or part by AI voice agents. By continuing a call, you consent to recording. AI-generated responses, chat, calculators, estimates, and summaries are provided for convenience, may contain errors, and are not advice or a loan decision. You may request a human at any time.
5. No offer or commitment to lend
Information on the Services, including rates, payments, calculator results, and estimates, is for illustration only and is not an offer to lend, a loan commitment, a rate lock, or a Loan Estimate under federal law. All loans are subject to application, credit approval, underwriting, property eligibility, and lender guidelines. Terms may change without notice. Anthony Rega is a loan officer (NMLS 399203); loans are originated through licensed entities as disclosed in your loan documents.
6. Equal Housing Opportunity
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act and do not discriminate on any prohibited basis.
6a. Electronic records and signatures
Your consent to receive disclosures and sign documents electronically is described in our E-SIGN Consent. Our Email Policy, Acceptable Use Policy, Cookie Policy, Use of AI Policy, and Copyright Policy are part of these Terms.
6b. Accounts and portal security
If you use our borrower portal, keep your login private and tell us right away about any unauthorized use. You are responsible for activity under your login. We use HTTPS encryption for all pages.
6c. Your content and feedback
You keep ownership of documents and information you upload. You give us permission to use them to provide the Services and process your loan. If you send ideas or feedback, we may use them without owing you anything.
7. Third-party services
The Services may link to or rely on third-party services (e.g., Google, Twilio, Stripe). We are not responsible for their content or practices.
8. Intellectual property
Content on the Services is owned by us or our licensors. You may not copy or reuse it without permission.
9. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR DATA, ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow these limits, so they may not apply to you.
11. Indemnification
You agree to indemnify us against claims arising from your misuse of the Services, your violation of these Terms, or information you provide that is false, including a phone number you do not own or customarily use.
12. Arbitration and class action waiver
Except for small-claims matters, any dispute arising from these Terms or the Services, including claims under the Telephone Consumer Protection Act, will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You and we waive any right to a jury trial and to participate in a class or representative action. You may opt out of this section within 30 days of first accepting these Terms by emailing our contact form. If the class waiver is found unenforceable, this section is void as to that claim.
13. Governing law
These Terms are governed by the laws of the State of New Jersey and applicable federal law, including the Federal Arbitration Act, without regard to conflict-of-law rules. Any arbitration hearing will take place in Bergen County, New Jersey (or by video or phone), and any court proceeding permitted by these Terms will be brought in the state or federal courts located in New Jersey.
13a. Informal resolution first
Before starting arbitration or a lawsuit, please email us a description of the issue and give us 30 days to try to resolve it informally.
13b. Termination
We may suspend or end your access to the Services at any time. Sections that by their nature should survive (such as disclaimers, limits of liability, indemnity, and arbitration) will survive.
13c. General
These Terms, together with the policies they reference, are the entire agreement between you and us about the Services. If any part is unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver. You may not assign these Terms; we may assign them. If these Terms are translated, the English version controls.
14. Changes
We may update these Terms by posting a new version with a new effective date. Continued use means acceptance. Changes do not expand consent you previously gave without your agreement.
15. Contact
Anthony Rega, also doing business as loanfactory.io · Loan Factory, Inc., 2195 Tully Road, San Jose, CA 95122 · our contact form