Email and Text Policy
Howard Davies has adopted the following terms and conditions regarding Email, and they are incorporated into all Emails sent and received by Howard Davies. His communication with you via Email is conditioned upon you agreeing to the following terms.
Emails may not necessarily represent the full, final disposition of a matter nor the official business records of Howard Davies. Communications on any particular topic or matter are often exchanged through multiple channels at different times. For example when a voice message responds to an email etc. For this reason Email, by itself, may not always reflect the complete intent or communication by Howard Davies with regards to the subject matter referred to within the communication. In addition it does not constitute an official business record of Howard Davies. All official matters should be subsequently confirmed in signed documents.
Emails from Howard Davies do not contain or constitute an electronic signature, even if the sender’s name appears in the Email. Email communications are not intended to be construed by Howard Davies as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement to lend unless statements are made in the email to the contrary.
Emails and attachments sent by Howard Davies are confidential and are to be reviewed and/or disclosed only to the entity or individual to whom they are intended and addressed. By reviewing and accepting emails from Howard Davies, you agree to indemnify and hold Howard Davies harmless against any and all losses, expenses, liabilities, claims or expenses including attorney’s fees that Howard Davies may incur as a result of the contents of those emails.
Do not communicate time-sensitive instructions or official company matters through Email; they may not be reviewed or received by Howard Davies in a timely manner. All Emails are processed through spam and virus filters which may reject or delay the delivery of an Email completely. Urgent matters should be communicated in person via telephone and then confirmed in writing with Howard Davies via Email or fax. Howard Davies reserves the right to block any Email he deems inappropriate.
Email is typically sent over the Internet which is an open network. Howard Davies cannot guarantee that all sent or received Emails are free of error’s, secure, uncorrupted, virus free, or complete and/or that they won’t be destroyed, lost, delayed misdelivered, or intercepted or decrypted. Therefore you are advised against sending personally identifiable or sensitive information via Email. Howard Davies takes no responsibility for any liability with respect to Emails and the contents or attachments they contain or if they are destroyed, lost corrupted, misdelivered, delayed, decrypted, incomplete, intercepted, or otherwise misappropriated by others.
Howard Davies is not responsible for any damage or loss arising from the transmission, receipt, storage or use of Emails. If Howard Davies forwards or replies to an Email or prior Email, the original contents may have been produced by someone other than Howard Davies for which Howard Davies assumes no liability whatsoever. HOWARD DAVIES DISCLAIMS ANY REPRESENTATION, CLAIMS OR WARRANTIES THAT HIS EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any disabling code, virus or malware to otherwise interfere with Howard Davies’s telecommunications, Email transmissions or computer networks or is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.
Howard Davies disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and Howard Davies makes no warranties, express or implied, with respect to such data or information.
Howard Davies disclaims any U.S. federal tax advice contained in or furnished through Email (including any attachments) or on this website. You agree not to rely upon such tax advice for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) furnishing any tax advice to any other person including tax professionals, to the IRS or any other state or federal agency.
In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into Howard Davies’s Emails, and that any disputes pertaining to such Emails will be governed by and construed in accordance with the laws of the State of California. You agree that any law action arising from or relating to these Terms and Conditions may only be filed in the state of California.
Howard Davies’s Emails may contain solicitations or advertisements under U.S. law. If you do not wish to receive advertising and promotional messages from Howard Davies at this Email address please specify your preference by using the Contact Howard page.
Howard Davies is an Equal Housing Lender. Howard Davies does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
Howard Davies Inc. is a licensed NMLS loan originator.