Terms Of Use, Conditions and Disclaimer Agreement


Terms Of Use, Conditions and Disclaimer Agreement

Our main goal and purpose at including our Internet website and/or corresponding web pages:

LOANS4LESS.COM is to make the use of our website as straightforward, as convenient and as informative as possible. We also want all of our users to be completely satisfied, so it is important for you to understand what we actually do.

Our Location:
LOANS4LESS® Toll Free (877) 981-LOAN or (310) 540-0157
22409 Susana Avenue, Torrance, CA 90505 is headquartered in the State of California in the United States of America. Our website is accessible from any Internet service and we are subject to U.S. federal and California law. Your resident state, country or legal jurisdiction may have laws that are different from the laws that apply in the United States and in the State of California. When you use our website, both you and agree that the laws of the State of California regarding terms of use shall govern all matters in connection with using our website except in those instances where federal law applies.


For full information, please see the Terms & Conditions below, which includes our policy for acceptable use of our website and the content posted thereon, as well as your rights, obligations and restrictions regarding your use of our website. In accessing our website, you acknowledge and consent to the Terms & Conditions and understand that has the right to change and/or update the Terms & Conditions at any time without notice. If you have any questions, please email us at Without limiting any provisions of this Agreement, you may not use our website for any purpose that is unlawful or prohibited by this Agreement. Your access to our website may be terminated immediately in our sole discretion, with or without notice, if you fail to comply with any provision of this agreement and/or additional terms, or for any other reason, or no reason. You expressly agree not to:

  • Access, monitor or copy any content material or information from our website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
  • Take any action that causes, or may impose, in our discretion, an unreasonable or disproportionate burden to our infrastructure; and/or:
  • "Frame," "reflect," "mirror" or otherwise incorporate any part of our website into any other website or other media or medium without our prior written permission.

Terms & Conditions: makes every effort to ensure that all of the contents and information on our website is current and clearly explained. We cannot guarantee that our website and/or those websites controlled by the third party advertising partners will always be operational, or that the respective contents will always be totally accurate. Sometimes circumstances beyond our control may make the website unavailable; data transmissions may be interrupted; and we may provide links to other websites whose content we cannot monitor or otherwise manage. Read on further to understand more about the things we are unable to control and what we state about this:

What we are unable to control:, via its website and the third party LFLS Partners Program, provides a variety of consumer and business information, products and services. However, does not independently investigate the third-party advertising partners or service providers (collectively, the “Partners”) which execute agreements with us, or their business operations. We cannot, therefore, validate, endorse or guarantee their business, licensing, operations, representations or any claims made by them. Information as presented on our website are strictly advertisements by the Partners and makes no warranty, explicit or implied, that the posted information is accurate. Dealings that you may have with any third-party service or product providers listed on our website should be covered by an agreement on terms that you enter into with that particular third party. You may want to have any such agreement reviewed by an attorney. If you submit a request for a quote or information,, Inc. will forward that request to the Partner(s) who will be asked to fulfill your request, and as such you may become a customer of that Partner who assumes responsibility for following-up on your request. expressly disclaims any liability or responsibility for the success or failure of any transaction that you enter into with any Partner(s). Only you must make the final determination as to the value and appropriateness of any given transaction.

External Third Party Web Site Links: provides links on its website that are directed to other websites on the Internet that are operated and/or controlled by third-party vendors and other third parties not under the control of These links are provided for convenience and reference only and are not intended as an endorsement by Loans4Less.comof the organizations or individuals operating those websites, nor a warranty of any type of those websites or respective information, services and/or products on those websites. In using our website, you acknowledge that is not responsible for the availability of, services and/or products offered by and/or the content located on or throughout such external third party websites.

Typographical Errors: tries to make sure that all information posted on our website is accurate, however, we cannot be held responsible for typographical and other errors that may appear on our website. reserves the right to refuse or cancel requests for products and/or services containing incorrect pricing and we reserve the right to change any programs,rates,terms and/or fees without prior notice.  

Internet Service Outages and Internet Browser Incompatibilities: Our Internet Service Provider(s) (ISP) is Vivid Concept, Inc.,  who maintain back-up servers and we believe in their overall reliability. Notwithstanding the foregoing, our website may sometimes become inaccessible, or may not function properly with your particular web browser and/or operating system. cannot be held liable nor responsible for any perceived or actual damages arising from the operations, content, or use of our website and/or any failures thereto.

Disclaimer and Limitation of Liability: and its website along with the information and materials contained therein are provided "as is." and its website operate as an advertising medium with the separate exception of the website for Loans4Less® and Platinum Properties, which are DBAs of Union Discount Mortgage, Inc. a licensed California Real Estate Broker and also acting as a Mortgage Broker. makes no representations or warranties of any kind concerning our website or their operations, contents or information as made available. expressly disclaims all warranties, express or implied, of any kind, with respect to our website, unless specifically declared thereto on a respective web page(s). IN NO EVENT SHALL, ITS WEBSITE OR WEB PAGES AND AFFILIATES, INCLUDING WITHOUT LIMITATION, UNION DISCOUNT MORTGAGE, INC. OR THEIR RESPECTIVE SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES AND/OR AGENTS, BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATIONS, CONTENT OR USE OF THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow this form of a disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law, if any, apply unless they are required to be applied by statute, notwithstanding their exclusion by contract. DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH LOANS4LESS.COM, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR WEBSITE. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH THE WEBSITE. MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY CONTENT THAT MAY BE AVAILABLE FOR DOWN LOADING FROM THE WEBSITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCEL BOTS, OTHER CODES AND/OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA, PERSONAL OR OTHER INFORMATION.

The contents of our website is intended only to assist you with decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any strategy, recommends that you obtain additional information and advice from your attorney, accountant and/or other independent financial adviser who are fully aware of your individual circumstances.  

Applicable Law and Venue:
Our website (excluding linked websites) are operated in the State of California. Our website can be accessed from all 50 states and the District of Columbia, as well as from other countries and locales around the world. These places have laws that may differ from those of California, and by accessing our website, both you and agree that the statutes and laws of the State of California, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to the use of our website, except where federal law preempts California law. You and also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of California with respect to all such matters. does not make any representations that materials on our website are appropriate or available for use in other locations, and by accessing them from territories where their contents are considered illegal is thus prohibited. Those who choose to use or access our website from other locations do so by their own initiatives and are responsible for compliance with local laws.  

Copyright: The website is operated by Unless otherwise specified, all materials appearing on our website, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements thereof are the sole property of © 1997-2017 ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of our website for the sole purpose of placing a request through our website for products and/or services described on the website. Any other use of materials on our website, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication, without prior written permission of is strictly prohibited.  

Ownership: The design, text and images of our website are owned or licensed by and we authorize you to view or download a single copy of the material on our website solely for your personal, non-commercial use, provided you retain all proprietary notices contained in the content. Elements of our website are also protected by trade dress, service mark laws and other laws and may not be imitated in whole or in part on other websites.

Intellectual Property Rights:All trade marks and/or service marks irrespective of appearing on our website(s) are registered service marks, trade marks, trade names, trade dress of and/or its wholly owned subsidiary Union Discount Mortgage, Inc. All custom graphics, icons, logos and other items that appear in advertising or marketing media as used by us, other than third party property rights, are the trade marks, service marks or trade dress of, Inc. and its subsidiary Union Discount Mortgage, Inc. The use of,, LoansforLess, Loans4Less®, Loansfor, Loans4 and/or its subsidiary trade marks and/or service marks without the express written consent from Union Discount Mortgage, Inc. its successors and/or assigns is strictly prohibited.

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