Terms and Conditions
Please carefully read this agreement ("Agreement") before accessing or using this Internet
Web site ("Web Site"). When you access or use the Web Site, you are agreeing to be bound
by this Agreement, including the liability disclaimers contained below. If you do not agree
to the terms contained herein, do not use this Web Site or download any information from
it. Materials on this Web Site may be accessed, downloaded and printed only for personal
and non-commercial use. By using this Web Site, you agree that you will not use any
materials or information found on this Web Site for any purpose that is unlawful or
prohibited by this Agreement, including, but not limited to, the use of this Web Site from
locations outside of the United States of America or if you are under 18 years of age. Your
permission to use the Web Site is automatically terminated if you violate any of the terms
contained in this Agreement.

Copyright and Trademark Rights
The contents of Consumers Financial Company are owned and copyrighted by
Consumers Financial Company and are protected by the laws of the United States, its
treaty countries and other jurisdictions. All rights are reserved and no reproduction,
distribution, or transmission of the copyrighted materials at this Web Site is permitted
without the written permission of Consumers Financial Company. All trademarks, logos
and service marks are the property of Consumers Financial Company.

SMS / Text Message Program Terms
Program Name: Consumers Financial Company Alerts
Program Description: By providing your mobile phone number and opting in, you agree to
receive SMS/text messages from Consumers Financial Company regarding your inquiries,
account updates, customer service, loan-related information, and other important
notifications.
Message Frequency: Message frequency varies.
Message and Data Rates: Message and data rates may apply.
Support / Help: For assistance, text HELP to the number from which you received the
message or contact us at matt.stout@icansavemoney.com or 801-403-1792.
Opt-Out: To stop receiving messages, text STOP to the number from which you received
the message.
SMS Terms: Mobile phone information or opt-in data collected will not be shared, sold, or
disclosed to third parties or affiliates for marketing purposes. Your data is protected and
retained only as needed. We obtain consent to send SMS messages when you provide your phone number during a mortgage loan application or direct phone/email inquiry with Consumers Financial Company. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe.

Consent
You hereby understand and agree that SMS communications are sent only to individuals who have explicitly provided their mobile number and consented to receive transactional messages in connection with an active mortgage application or inquiry with Consumers Financial Company. By using this Web Site and providing your contact information, you agree to allow Consumers Financial Company to contact you via telephone, e-mail, standard mail, and SMS/text messages. You hereby consent to such contact even if your phone number is on any Do Not Call list.

Liability Disclaimer
Consumers Financial Company strives to make sure that the information on its Web Site
is accurate, but inaccuracies or errors can occur. You use this Web Site at your own risk.
Consumers Financial Company reserves the right to change or modify the content of its
Web Site at any time with or without notice. Your continued use of the Web Site constitutes
your acceptance of such modified terms. This Web Site and all of the information
contained therein are provided "as is." Consumers Financial Company disclaims any and
all warranties of any kind, whether express or implied, as to anything whatsoever relating to
this Web Site and any information provided herein, including without limitation the implied
warranties of merchantability, fitness for a particular purpose, title, and noninfringement.
Consumers Financial Company is not liable for any direct, indirect, special, punitive,
incidental or consequential damages caused by the use of this Web Site and/or the content
located thereon, whether resulting in whole or in part, from breach of contract, tortious
conduct, negligence, strict liability or any other cause of action. Because some
jurisdictions do not allow the exclusion of implied warranties, the above exclusion may not
apply to you.

Indemnification / Legal Relief
You agree to indemnify and hold Consumers Financial Company harmless from and
against any and all loss, cost, damage, or expense including, but not limited to, reasonable
attorneys' fees incurred by Consumers Financial Company arising out of any action at law
or other proceeding necessary to enforce any of the terms, covenants or conditions of the
Agreement or due to your breach of this Agreement.

Governing Law and Venue
This Agreement shall be governed by the laws of the State of Utah. You hereby consent and
voluntarily submit to personal jurisdiction in the State of Utah, in and by the courts of the
State of Utah in Salt Lake County and the United States District Court for the District of
Utah, in any action in which a claim is brought with respect to this Agreement and you
agree that it may be served with process in any such action by hand delivery, courier,
overnight delivery service, or certified or registered mail, return receipt requested. You
irrevocably and unconditionally waive and agree not to plead, to the fullest extent
permitted by law, any objection that it may now or hereafter have to the laying of venue or
the convenience of the forum of any action or claim with respect to this Agreement brought
in the United States District Court for the District of Utah or the courts of Salt Lake County.

Miscellaneous
This Agreement embodies the entire agreement between the parties and may not be
amended, modified, altered or changed in any respect whatsoever except by a writing duly
executed by the parties hereto. This Agreement supersedes any and all prior and
contemporaneous oral or written agreements or understandings between you and
Consumers Financial Company. No representation, promise, inducement or statement of
intention has been made by you and Consumers Financial Company that is not embodied
in this Agreement. You and Consumers Financial Company shall not be bound by, or liable
for, any alleged representation, promise, inducement, or statement of intention not
contained in this Agreement.
A printed version of this Agreement shall be admissible in judicial or administrative
proceedings based upon or relating to this Agreement to the same extent and subject to
the same conditions as other business documents and records originally generated and
maintained in printed form. You agree that each provision to this Agreement shall be
construed independent of any other provision of this Agreement. The invalidity or
unenforceability of any particular provision of this Agreement shall not aƯect the other
provisions hereof. In the event any provision of this Agreement is deemed unenforceable,
including, but not limited to, the liability disclaimers above, the unenforceable provision
shall be replaced with an enforceable provision that most closely reflects the intent of the
original provision.

Contact Information
Consumers Financial Company
2834 S. Highland Dr
Salt Lake City, UT 84106
Phone: 801-403-1792
Email: matt.stout@icansavemoney.com