Terms of Use

General

Welcome to Tower Commercial Mortgage. Please read these Terms and Conditions of Use carefully before using the website. Use of this website constitutes your agreement to these Terms and Conditions of Use. If you do not agree with these Terms and Conditions of Use, please do not visit this website.

Use of this Website may be monitored, tracked and recorded. Any visitor or user of this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the Website during each visit to the website.

Privacy and Information Security

Tower Commercial Mortgage understands the need to safeguard your information and records from unauthorized use and disclosure. Please see the privacy and security policy and information security disclosure applicable to you. Those pages contain supplemental terms and conditions and additional disclosures and disclaimers, which are in addition to these terms and conditions, disclosures and disclaimers. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

Copyright Notice

All of the pages and content available on the website including text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Tower Commercial Mortgage and are protected by international copyright laws unless otherwise indicated. All rights are reserved by Tower Commercial Mortgage.

Legal Notice and Disclaimer

THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT INCLUDED IN THIS WEBSITE ARE PROVIDED “AS-IS”, “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND (EXPRESS, IMPLIED, AND STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE), ALL OF WHICH TOWER COMMERCIAL MORTGAGE EXPRESSLY DISCLAIMS TO THE FULLEST EXTENT PERMITTED BY LAW.

This website is not an offer to make a loan or to make a loan on any particular terms. Tower Commercial Mortgage cannot guarantee specific loan products mentioned in this website will be available and such loan products are subject to change without notice. This website is for business purposes only. Tower Commercial Mortgage is NOT actively or currently soliciting commercial mortgage loans in these states: AL, AZ, CA, HI, MD, MA, NE, NV, NJ, NM, ND, OH, RI, VT, WI.

All materials available on the Tower Commercial Mortgage website are for informational purposes only and have been prepared by Tower Commercial Mortgage as a service to its users and the internet community and not for the purpose of providing financial advice to any particular user’s needs. Use of and access to this website does not create a lender-borrower relationship between Tower Commercial Mortgage, any employees thereof, and the user. Any opinions expressed at or through this website in articles, white papers, or other materials, are the opinions of the author/s and may not reflect the opinions of Tower Commercial Mortgage website. Users using information from this website do so at their own risk.

No warranties made as to security

Tower Commercial Mortgage makes no warranty whatsoever to you, express or implied, regarding the security of the site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you while using this website.

No Liability for Content and No Liability Arising From Use

IN NO EVENT SHALL TOWER COMMERCIAL MORTGAGE, ITS OFFICERS, AFFILIATES, THIRD PARTY AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO THE USE, INABILITY TO USE, PERFORMANCE OR NONPERFORMANCE IN CONNECTION TO THIS WEBSITE OR ANY LINKED WEBSITE OR USE THEREOF, EVEN IF TOWER COMMERCIAL MORTGAGE WAS PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES ARISE IN CONTRACT, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE. TOWER COMMERCIAL MORTGAGE WILL HAVE NO RESPONSIBILITY TO INFORM YOU OF ANY DIFFICULTIES EXPERIENCED BY TOWER COMMERCIAL MORTGAGE OR THIRD PARTIES WITH RESPECT TO THE USE OF THE SERVICES OR TO TAKE ANY ACTION IN CONNECTION THEREWITH.

No Unlawful or Prohibited Use

As a condition of your use of this website, you warrant to Tower Commercial Mortgage that you will not use this website or any information contained on the website for any purpose that is unlawful or prohibited by these Terms, Conditions, and Notices. You are not permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of Tower Commercial Mortgage. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information. Tower Commercial Mortgage reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify, or remove any of the information.

Links to Other Internet Sites

This website contains live links to other websites controlled or offered by third parties (non-affiliates of Tower Commercial Mortgage). Such linked websites contain information created, published, maintained, or otherwise posted by non-affiliated third parties of Tower Commercial Mortgage. By creating a link to a third party website, Tower Commercial Mortgage does not endorse any offer or opinion, approve, certify, control or recommend any products or services offered or information contained at any linked website. Tower Commercial Mortgage may not agree with the political views expressed in any linked websites. Tower Commercial Mortgage does not guarantee the accuracy, completeness, efficacy, timeliness or correct sequencing of information that any linked website may contain, nor is Tower Commercial Mortgage liable for any failure of products or services offered or advertised at those websites. Such third party may have a privacy policy different from that of Tower Commercial Mortgage and the third party website may provide less security than the Tower Commercial Mortgage site.

Modification of these Terms, Conditions, and Notices

Tower Commercial Mortgage reserves the right to change these Terms and Conditions of Use and Notices under which this website is offered without prior notice to you and without any liability to you. We reserve the right to terminate any or all website offerings or transmissions without prior notice to you.

Availability

THIS WEBSITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS WEBSITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY TOWER COMMERCIAL MORTGAGE TO ANY PERSON TO USE THIS WEBSITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS WEBSITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

Governing Law

These Terms and Conditions of Use are governed by the laws of the United States and the State of Utah. Users of this website consent to the exclusive jurisdiction of courts sitting in the Utah County in the State of Utah in all disputes arising out of or relating to the contents or use of this website. You and Tower Commercial Mortgage consent to personal jurisdiction in those courts.

About these Terms

If you do not comply with these terms, and we don’t take action right away, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future).

If it turns out that a particular term is not enforceable, this will not affect any other terms.

These terms control the relationship between Tower Commercial Mortgage and you. They do not create any third party beneficiary rights. Any rights not expressly granted herein are reserved.

 

Additional Disclosures

Privacy and Security Policy

Information Security Disclosure

 

Email disclosure

NOTICE: This email transmission may contain information that is confidential, legally privileged, and/or exempt from disclosure under applicable law. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or use of the information contained in such communications (including any reliance thereon) is strictly prohibited. If this e-mail contains a forwarded e-mail or is a reply to a prior email, the contents may not have been produced by the sender and therefore we are not responsible for its contents. If you have received our transmission in error, please immediately contact the sender and permanently destroy the material in its entirety, whether in electronic or hard copy format.

This notice is automatically appended to each e-mail. It is the recipient’s responsibility to take measures to ensure that this e-mail is virus free, and no responsibility is accepted by Tower Commercial Mortgage for any loss or damage arising in any way from its use.

 

USA Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 

IRS Notice

IRS CIRCULAR 230 NOTICE. To ensure compliance with IRS Circular 230, any U.S. federal tax advice provided in any communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (i) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer, or (ii) in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction addressed herein.