Updated: 10/15/2025

Introduction and Scope of Policy

This Terms of Use Policy (“Policy”) governs your access to and use of the https://www.loanswithlety.com/ website and any related online or mobile applications owned or controlled by Loans With Lety, a division of Legacy Lending, LLC (“we,” “us,” or “our”).

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy. If you do not agree, please discontinue use of the website immediately.

Website Ownership

This website is owned and operated by:
Loans With Lety / Letticia Hernandez

Access to This Website

We reserve the right, at any time and in our sole discretion, and without prior notice, to restrict or deny access to this website to any user for any reason.

Permitted Use

By accessing or using this website, you agree that:

• Your use of this website is subject to and governed by these Terms of Use.

• You are at least 18 years old, or accessing with the consent of a parent or guardian.

• You will use this website solely for its intended purpose — to obtain information and services related to mortgage lending.

• You will comply with all applicable federal, state, and local laws.

• Each use of this website constitutes your ongoing agreement to be bound by the most current version of these Terms of Use.

Prohibited Uses

You agree not to use this website in any way that:

• Alters or interferes with the integrity, availability, or performance of the website.

• Disrupts or damages our network, servers, or systems.

• Violates any applicable law or regulation.

• Harasses, threatens, or discriminates against any individual or group.

• Impersonates any person or misrepresents your affiliation with any entity.

• Uploads, transmits, or distributes harmful software, malware, or viruses.

• Collects or harvests data, including email addresses, without authorization.

• Uploads content that is obscene, defamatory, hateful, or infringing on intellectual property rights.

• Suggests an affiliation or partnership with Loans With Lety or Legacy Lending without prior written consent.

• Attempts to gain unauthorized access to any portion of the website, systems, or data.

Violation of these terms may result in immediate termination of your access and possible legal action.

Links to Third-Party Content

This website may contain links to third-party websites or applications not owned or controlled by Loans With Lety or Legacy Lending.

We provide these links solely for user convenience. We do not endorse, monitor, or guarantee the content, products, or services of any linked site and are not responsible for any damages or losses incurred as a result of their use.

Users are encouraged to review the privacy policies and terms of any third-party website visited.

Applications of Additional Terms

Certain tools, forms, calculators, or features on this website may be subject to additional terms, conditions, or disclaimers. By using those specific services, you agree to the applicable supplemental terms in addition to this Policy.

Intellectual Property

All content, design, text, graphics, images, logos, videos, and software on this website are the property of Loans With Lety, Legacy Lending, LLC, or its licensors and are protected by U.S. and international copyright, trademark, and intellectual property laws.

You may view or download materials for personal or internal business use only. You may not copy, distribute, publish, modify, reproduce, or create derivative works without prior written consent.

“Loans With Lety” and “Legacy Lending” are trademarks and service marks of Legacy Lending, LLC. All other names and logos appearing on this site are the property of their respective owners.

Any testimonials, submissions, or feedback provided to Loans With Lety through this website become the property of Loans With Lety and may be used for marketing, improvement, or informational purposes without compensation.

Warranty Disclaimer

THIS WEBSITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED ARE OFFERED “AS IS” AND “AS AVAILABLE.”

Loans With Lety and Legacy Lending MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR ACCURACY.

We do not warrant that:

• The website will operate uninterrupted or error-free.

• Defects will be corrected.

• The content is accurate, reliable, or current.

• The website or its servers are free from viruses or harmful components.

You assume full responsibility for your use of this website and any linked sites. Your sole remedy for dissatisfaction with the site is to discontinue use.

Limitation of Liability

To the fullest extent permitted by law, Loans With Lety and Legacy Lending are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

• Use or inability to use the website or its content;

• Unauthorized access to or alteration of your data;

• Errors, omissions, or interruptions in website services;

• Reliance on information obtained from the site; or

• Any linked third-party websites.

This limitation applies regardless of the legal theory under which damages are sought.

Modification of Terms

We reserve the right to revise or update these Terms of Use at any time without notice.

Your continued use of this website following such changes constitutes acceptance of the revised Terms. For this reason, we encourage you to review this page periodically.

All content and features on the website are subject to change or removal at our discretion.

Indemnification

You agree to indemnify, defend, and hold harmless Loans With Lety, Legacy Lending, their affiliates, officers, directors, employees, agents, and service providers from any claims, damages, liabilities, costs, or expenses (including attorneys’ fees) arising out of your:

• Violation of these Terms of Use;

• Misuse of the website or content; or

• Infringement of any rights of another person or entity.

Waiver and Severability

No waiver by Loans With Lety or Legacy Lending of any provision of these Terms shall constitute a continuing waiver.

If any term or provision is found invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

Governing Law

These Terms are governed by and construed under the laws of the State of California, without regard to its conflict of laws principles.

Any disputes arising out of or related to these Terms shall be brought exclusively in state or federal courts located in Sacramento County, California.

This website and its services are intended for U.S. residents only. Users outside the United States should not rely on or use the information contained herein.

Privacy Policy

To learn how Loans With Lety and Legacy Lending collect, use, and protect your information, please review our Privacy Policy.