Terms of Use

 Terms of Use Effective Date: 02/13/2026
## **1. Acceptance of Terms**  By accessing or using the Three Creeks Lending website (“Site”), you agree to these Terms of Use (“Terms”). If you do not agree, please discontinue use of the Site.
## **2. About Three Creeks Lending**  Three Creeks Lending is a mortgage broker licensed by the **Washington State Department of Financial Institutions (DFI)**.  **NMLS #: 2818442
All mortgage‑related information provided on this Site is for general informational purposes only and does not constitute a commitment to lend or extend credit.
## **3. Use of the Site**  You agree to use this Site only for lawful purposes. You may not:
- Interfere with the Site’s operation  - Attempt to gain unauthorized access to systems or data  - Use the Site to transmit harmful or fraudulent content  - Misrepresent your identity or submit false information  
We reserve the right to restrict or terminate access for any misuse.
## **4. No Mortgage Approval Guarantee**  Submitting information through this Site **does not** constitute a loan application or guarantee approval.  Loan approval is subject to:
- Verification of information  - Underwriting guidelines  - Applicable federal and state regulations  
Three Creeks Lending reserves the right to decline any application.
## **5. Accuracy of Information**  We strive to provide accurate and current information, but we do not guarantee that all content is error‑free. Mortgage rates, guidelines, and product availability may change without notice.
## **6. Privacy and Data Protection**  Your use of this Site is also governed by our **Privacy Policy**, which explains how we collect, use, and protect your information in compliance with:
- Washington State DFI regulations  - The Gramm‑Leach‑Bliley Act (GLBA)  - Other applicable federal and state laws  
By using the Site, you consent to the practices described in the Privacy Policy.
## **7. Third‑Party Links**  This Site may contain links to third‑party websites. These links are provided for convenience only. We do not control or endorse third‑party content and are not responsible for their privacy practices or accuracy.
## **8. Intellectual Property**  All content on this Site—including text, graphics, logos, and design—is the property of Three Creeks Lending or its licensors. You may not copy, reproduce, or distribute content without written permission.
## **9. Disclaimer of Warranties**  The Site is provided “as is” without warranties of any kind, including:
- Accuracy  - Reliability  - Availability  - Fitness for a particular purpose  
Use of the Site is at your own risk.
## **10. Limitation of Liability**  To the fullest extent permitted by law, Three Creeks Lending is not liable for:
- Damages arising from use or inability to use the Site  - Errors or omissions in content  - Unauthorized access to your data  - Any indirect, incidental, or consequential damages  
Some jurisdictions do not allow certain limitations, so these may not apply to you.
## **11. Governing Law**  These Terms are governed by the laws of the **State of Washington**, including applicable DFI regulations. Any disputes must be resolved in Washington State courts.
## **12. Changes to These Terms**  We may update these Terms at any time. The “Effective Date” will reflect the most recent revision. Continued use of the Site constitutes acceptance of updated Terms.
## **13. Contact Information**  For questions about these Terms, please contact:
**Three Creeks Lending**  19519 E Wallis Road Mead, WA 99021  Phone: 509 255 3726 Email: moc.gnidnelskeerceerht%40ycavirp NMLS #: 2818442