The following is an agreement between yourself (you) and Paddio. By using this website ("the website")
and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions.
If you disagree with any of the Terms and Conditions of Use below, please navigate away from the site. These terms
Paddio strives to ensure the information contained on the website is accurate, although occasionally
errors may occur. Paddio reserves the right to make changes and/or improvements to this website at any time.
Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED 'AS IS' WITH NO EXPRESS OR
IMPLIED WARRANTIES OF ANY KIND. PADDIO, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT,
PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.
All contents of the Site are the intellectual property of Paddio, 1930 W Bennett St., Suite 100, Springfield MO, 65807.
The Site and its contents are copyright protected as of the date published. "Paddio" is a
federally registered trademark of Mortgage Research Center, LLC. Mortgage Research Center, LLC,
reserves all rights to any and all copyrights, trademarks or service marks located on the site.
Loan Information Requests and E-SIGN
When you submit a request for information (an "inquiry") through this website, a Home Loan Specialist will contact you, most likely by telephone at the phone number you provided. The loan specialist will ask you for additional information. WE WILL NOT ACCESS YOUR CREDIT WITHOUT YOUR EXPRESS VERBAL OR WRITTEN PERMISSION.
E-SIGN Information: In order to better serve you, Paddio may provide you with certain records and communications ("Communications") in electronic format. By submitting an inquiry, you hereby consent to receive these Communications in electronic format. You have the right to receive Communications on paper or in a non-electronic format. You also have a right to withdraw your consent to receive the Communications in electronic format. This consent applies to the entire loan process. Some Communications will only be available to you and provided by Paddio in paper form, and a representative will indicate that at the appropriate time. Your decision to receive Communications in a paper or non-electronic format will have no impact or bearing on our decision to extend a firm offer of credit to you.
If you desire only paper copies of the Communications, if you wish to withdraw your consent
to receiving electronic Communications, or if you desire paper copies of Communications you have
previously received, please contact customer service
or email firstname.lastname@example.org
so that we may update your information accordingly.
Paddio Account Holders: You will have the option to connect your bank account(s) to your
Paddio account via Plaid, in order to
automatically verify asset information for the purpose of
facilitating your loan transaction and improving your Paddio user experience. By using our
service, you grant Paddio and Plaid the right, power, and authority to act on your behalf to
access and transmit your personal and financial information from the relevant financial
institution. You agree to your personal and financial information being transferred, stored, and
processed by Plaid in accordance with the Plaid
any time by changing your Paddio profile security settings.
By connecting your bank accounts via Plaid, we will receive the following information:
• Bank Account Owner
• Account Type
• Account Balance
• Last 4 digits of Bank Account number
We will only use this information to verify assets and update your loan file. Paddio will
only verify your asset information when you have an active (not denied, closed, or withdrawn)
loan with us.
Terms Applicable to Loan Request Services
Paddio does not endorse, recommend, or steer consumers to any specific loan product that we offer, nor do we guarantee approval on any loan product. You make the ultimate decision on the loan product that is best for your individual financial situation. We will only provide lending services from loan officers who are licensed in the state you intend to purchase.
Errors and Delays
Paddio is not responsible for any errors or delays in responding to your inquiry arising out of inaccurate information provided by you, or any other cause outside of our commercially reasonable control.
There is no charge to you, as a consumer, for using the services provided on this Site. Your Home Loan Specialist will discuss any and all fees for receiving a loan from us and all fees will be provided consistent with state and federal laws.
Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Paddio. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.
You agree to indemnify Paddio and its affiliates from and against any and all liabilities, expense (including attorney's fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.
Other Terms - Complete Agreement and Choice of Law
This agreement between you and Paddio supersedes all prior communications, whether oral or written. To the extent allowable, this agreement shall be subject to the laws of the State of Missouri. All rights not expressly granted herein are reserved.
Please Print and Retain a Copy of this Agreement for Your Records.