Company Licenses: Carlyle Financial, Inc. (NMLS ID #1680556) is a California corporation licensed by the California Department of Real Estate (Broker License #01941702). Carlyle Financial is an Equal Housing Lender. All loans are offered and arranged through third-party lenders and are subject to credit approval and other conditions. This website and our services are intended for residents of California and are not a solicitation to extend credit or conduct business in jurisdictions where we are not licensed.
Quick Summary: By using our website, you agree to these Terms of Use. If you don’t agree, don’t use the site. We can update these terms, and continued use means you accept the changes.
By accessing or using Carlyle Financial’s website (the “Site”), you agree to be bound by the following Terms of Use (“Terms”). These Terms constitute a legal agreement between you and Carlyle Financial, Inc. (“Carlyle Financial,” “we,” “us,” or “our”). If you do not agree with any part of these Terms, please do not use this Site. Navigating beyond the homepage or clicking any link on our Site signifies your acceptance of these Terms. We reserve the right to update or modify the Terms at any time. If we make changes, we will post the latest version on this page and update the "Effective Date" above. Your continued use of the Site after any changes constitutes acceptance of the new Terms.
Consent to Communications: By providing your contact information (such as phone number or email) through the Site, you consent to receive communications from Carlyle Financial. This includes emails, phone calls, and SMS/text messages (which may be sent via automatic telephone dialing systems) about your inquiries, transactions, and our services. You agree that we may send you marketing messages (e.g., interest rate updates, new services) unless you opt out. Message and data rates may apply for SMS. You can opt out of promotional emails by using the unsubscribe link in the email, and you can opt out of texts by replying “STOP” or contacting us at any time. (Even if you opt out of marketing messages, we may still send you important transactional or service-related communications, such as updates on an active loan application.)
Quick Summary: You can use our Site for personal, lawful purposes (like learning about loans or contacting us). You must be an adult and use the Site responsibly.
We grant you a personal, non-transferable, non-exclusive, revocable license to access and use our Site for lawful purposes and for your personal or internal business use. By using this Site, you represent and warrant that: (a) You are at least 18 years old and legally capable of entering into a binding contract; (b) You will use the Site only for its intended services in the normal course of our business (for example, to learn about mortgage options, to contact us for information, or to apply for a loan); (c) You will provide truthful, accurate, and current information if submitting any forms or applications on the Site; (d) You will not use the Site for any unlawful, fraudulent, or malicious activities, or in any manner that could damage, disable, or impair our servers or networks; and (e) You will comply with all applicable laws and regulations while using our Site.
If you choose to create an account or provide contact information on our Site (for example, to start a loan application or sign up for updates), you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us promptly of any unauthorized use of your account or any other breach of security.
Quick Summary: Don’t misuse our Site. This means no hacking, no spamming, no introducing viruses, and no illegal or abusive behavior.
You agree that you will not engage in, or attempt to engage in, any of the following activities while using our Site:
Violation of any of the above can result in termination of your access to the Site (without prejudice to any other remedies available to us by law).
Quick Summary: We own the content on our Site (or have rights to use it). You can’t use our content for commercial purposes without permission.
All content on the Site – including but not limited to text, images, graphics, logos, videos, design elements, software, and other materials (collectively, “Content”) – is the property of Carlyle Financial or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. Carlyle Financial™ and our logos, slogans, and trade dress are our trademarks and may not be used without our prior written consent.
You are authorized to view, download, and print Content from the Site for your personal, non-commercial use only, provided you do not remove or obscure any copyright or trademark notices. Any other use of the Content (such as reproducing it for publication, modifying it, distributing it, or creating derivative works) requires our express prior written permission. You may not use any meta tags or other “hidden text” utilizing our name or trademarks without our express consent.
If you believe any Content on the Site infringes your copyright or other intellectual property rights, please notify us with detailed information so we can address the issue (see Contact Us section below for how to reach us).
Quick Summary: Information on our Site (blog posts, calculators, etc.) is for general info only, not legal or financial advice. Also, any loan quotes or pre-qualifications are tentative, not guaranteed offers.
The information provided on our Site (including blog articles, calculators, FAQs, and any interactive tools or AI-powered chat features) is for general informational purposes only. It should not be considered financial, legal, or professional advice. You should consult with appropriate professionals for advice tailored to your situation. Using our Site or tools does not create a client relationship or any fiduciary duty between you and Carlyle Financial.
Any mortgage rate quotes, pre-qualifications, or other estimations you may receive through the Site are preliminary and not binding. These are provided for your convenience to give you a general idea of possible loan terms. They do not constitute a commitment to lend. A formal and binding offer of credit requires a full application, verification of your information, and approval by the actual lender under their specific underwriting criteria. We make no guarantee that you will be offered a loan, nor do we guarantee any specific rates or terms until they are locked in a written agreement with a lender.
Quick Summary: We may link to third-party sites or use third-party tools (like a chat or calculator). Those are not under our control, and we aren’t responsible for what they do. Be careful and review their terms and policies if you use them.
Our Site may contain links to third-party websites or integrate third-party services (for example, links to credit education resources, mortgage calculators, or our social media pages). These links and tools are provided for your convenience. Carlyle Financial does not own or control these third-party sites and is not responsible for their content, products, services, or privacy practices. If you choose to click on an external link and visit a third-party site, you do so at your own risk. We encourage you to review the terms of use and privacy policies of any third-party websites you visit via our Site. Inclusion of any third-party link does not imply our endorsement or recommendation of that site or its offerings.
Similarly, if our Site uses any embedded third-party plugins or tools (such as a live chat feature powered by a third-party provider, an interactive rate calculator from a partner, or an AI-driven assistant), those tools may be subject to the third party’s terms of service. We strive to select reputable providers and will inform you when you are interacting with such tools, but Carlyle Financial is not liable for any issues arising from third-party tools. Any data you provide to third-party services via our Site (for example, information entered into a chat widget run by a third-party AI service) will be handled in accordance with our Privacy Policy and the third party’s privacy policy as applicable.
Quick Summary: Our Privacy Policy (separate document) explains how we collect and use your info. By using the Site, you agree to that Privacy Policy. We work hard to protect your data but no system is 100% secure.
Your use of our Site is also governed by our Privacy Policy (see the separate Privacy Policy document), which describes how we collect, use, share, and protect your personal information. By using the Site, you consent to the collection and use of information as outlined in the Privacy Policy. Carlyle Financial is committed to safeguarding your personal information from unauthorized disclosure or use. We employ industry-standard security measures – including physical, electronic, and procedural safeguards – to protect your data in compliance with federal regulations (such as the Gramm-Leach-Bliley Act’s Safeguards Rule for financial institutions).
However, please note that no website or data transmission can be guaranteed 100% secure. Despite our efforts to protect your information, we cannot warrant absolute security of data. By using our Site, you acknowledge and accept that there is some security risk inherent in online activities. We recommend you take precautions as well: use strong, unique passwords, safeguard your account credentials, and log out or close your browser after using any secure areas of the Site, especially when on a shared or public device.
Quick Summary: We provide the Site “as is” without warranties. Using the Site is at your own risk; we don’t guarantee it will always be available, accurate, or error-free.
Use at Your Own Risk: Carlyle Financial strives to keep the Site up-to-date and accurate, but the Site and all Content are provided “as is” and “as available,” without any warranty of any kind. To the fullest extent permitted by law, we disclaim all express or implied warranties regarding the Site and its Content. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties that may arise from course of dealing or usage of trade.
For example, we do not warrant that: (a) the Site will be available at all times or operate uninterrupted or error-free; (b) the information on the Site will be accurate, complete, or up-to-date; (c) any defects or errors on the Site will be corrected; or (d) the Site or the servers that make it available will be free of viruses or other harmful components.
You assume full responsibility for your use of the Site. We are not responsible for any damage to your computer system or loss of data that results from downloading or accessing any material from the Site. Any reliance you place on information from the Site is strictly at your own risk.
Quick Summary: We’re not liable for damages arising from your use of the Site. To the extent allowed by law, we won’t be responsible for various categories of damages (like lost profits or data), and any liability on our part will be limited.
To the extent permitted by law, Carlyle Financial and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of (or inability to use) the Site or any Content on the Site. This includes, without limitation, damages for lost profits, lost opportunities, lost data, or business interruption, even if we have been advised of the possibility of such damages.
In addition, our total liability to you for any and all claims arising from or related to the Site or these Terms will be limited to $100 or the amount you paid to us (if any) in the past six months for services via the Site, whichever is greater. Some jurisdictions do not allow certain limitations of liability, so some of these limits may not apply to you. In any case, our liability will be the minimum allowed by applicable law.
This limitation of liability is a fundamental part of the agreement between you and us, and shall apply to the maximum extent permitted by law, even if a remedy fails of its essential purpose.
Quick Summary: If you do something that gets us sued or causes us harm while using the Site (like breaking the law or these Terms), you agree to defend and compensate us for the damage.
You agree to defend, indemnify, and hold harmless Carlyle Financial, its parent, affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees and costs) arising out of or in any way connected to: (a) your access to or use of the Site or Content; (b) your violation of these Terms; or (c) your violation of any applicable law or regulation in connection with your use of the Site.
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. If we do so, you agree to cooperate with our defense of such claim as reasonably requested. You will not settle any claim that affects Carlyle Financial without our prior written approval.
Quick Summary: PLEASE READ THIS SECTION CAREFULLY. You agree that most disputes will be resolved through binding arbitration on an individual basis (not in court, and no class actions), unless you opt out of arbitration within 30 days. California law will govern these Terms.
Governing Law: These Terms and your use of the Site are governed by the laws of the State of California, U.S.A., without regard to its conflict of laws principles. This means that the interpretation and enforcement of these Terms will be under California law, even if you access the Site from outside California.
Agreement to Arbitrate: Except where you exercise the opt-out option described below or where prohibited by law, you and Carlyle Financial agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site exclusively through final and binding arbitration. This includes disputes about the validity, enforceability, or scope of this arbitration agreement. You are thus waiving your right to a court trial and to have any dispute heard by a judge or jury (except for matters that can be taken to small claims court as noted below).
Arbitration Procedures: The arbitration will be administered by a neutral arbitration provider, such as the American Arbitration Association (AAA), under its Consumer Arbitration Rules, unless otherwise agreed. The arbitration may be conducted in person in Los Angeles, California, or another mutually agreed location. At your election, arbitration can also be conducted remotely by telephone or video conference. The arbitrator will have authority to award the same damages and relief that a court could, except that the arbitrator may not award relief on a class, collective, or representative basis (see “Class Action Waiver” below). The arbitrator will issue a written decision explaining the essential findings and conclusions. Judgment on the arbitration award may be entered in any court having jurisdiction.
Class Action Waiver: All arbitrations shall proceed on an individual basis. You and Carlyle Financial waive any right to bring or participate in a class action, consolidated, or representative proceeding against each other. The arbitrator is authorized to resolve only your individual disputes and may not combine or consolidate claims of other individuals. If this class action waiver is found unenforceable, then the entirety of the arbitration agreement shall be null and void (but the rest of these Terms will remain in effect).
Opt-Out Rights: You have the right to opt out of this arbitration agreement. If you do not wish to be bound by the agreement to arbitrate, you must send a written opt-out notice to us within 30 days of the date you first accept these Terms (for example, the first time you use our Site after these Terms go into effect). Your opt-out notice must include your name, address, phone number, and a clear statement that you do not agree to arbitrate disputes with Carlyle Financial. You should send your opt-out notice by email to info@carlylefinancial.com or by mail to: Carlyle Financial, Inc., 10880 Wilshire Blvd. Ste 2100, Los Angeles, CA 90024, Attn: Arbitration Opt-Out. If you opt out of arbitration, you will retain your right to pursue remedies in court, and neither you nor Carlyle Financial can insist on arbitration for the matter.
Exceptions: Notwithstanding the above, either party may choose to bring an individual action in a small claims court for disputes or claims within that court’s jurisdiction. In addition, nothing in this arbitration agreement will prevent either you or us from seeking injunctive relief (e.g., a court order to stop misuse of intellectual property or unauthorized access to data) in a court of law.
Enforcement and Severability: This Section 11 is governed by the Federal Arbitration Act and evidences a transaction involving interstate commerce. Except as provided in the Class Action Waiver above, if any portion of this Section is found unenforceable, that portion shall be severed, and the remainder shall be enforced.
Quick Summary: We follow fair lending laws and do not discriminate. We’re an Equal Housing Lender and comply with federal and state mortgage regulations. We display our licenses and legal disclosures on our site.
Carlyle Financial is committed to fair lending and ethical business practices. We do not discriminate in any of our lending or brokering activities on the basis of race, color, religion, national origin, sex, marital status, age, the receipt of income from public assistance, or any other characteristic protected by law. Our policies and practices are consistent with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act, among other laws. We are proud to be an Equal Housing Lender, conducting our business in compliance with all applicable federal and state regulations for mortgage lending and brokerage.
All required licensing and disclosure information is provided at the top of this document and in the footer of our Site. For reference, Carlyle Financial, Inc. is licensed by the California Department of Real Estate (Broker License #01941702) and maintains a Nationwide Mortgage Licensing System (NMLS) ID #1680556 (which can be verified on the NMLS Consumer Access website).
Geographic Restrictions: This Site and its content are not intended as an offer to provide mortgage brokerage services in any jurisdiction where Carlyle Financial is not licensed or operating. We currently conduct residential mortgage brokerage primarily in California. If you are located outside of California, our services may not be available to you except as permitted by applicable law and licensing; please contact us directly to confirm whether we can assist with your mortgage needs in your location.
Quick Summary: We want everyone to be able to use our website. We aim to meet accessibility standards. If you have trouble using our Site due to a disability, let us know and we will help.
Carlyle Financial is committed to making our website and services accessible to all individuals, including those with disabilities. We strive to design and maintain our Site in compliance with recognized guidelines such as the Web Content Accessibility Guidelines (WCAG) 2.1 (Level AA) and to meet obligations under the Americans with Disabilities Act (ADA) and similar laws. This means we work to ensure text is readable, images have appropriate descriptions, the site can be navigated by keyboard, and other accessibility best practices are followed.
Despite our efforts, if you encounter any accessibility barriers on our Site or have difficulty using any part of it, please contact us so that we can assist you. You can reach us by phone or email (see the Contact Us section below). We will do our best to provide you the information or service you need through an alternative method, if needed. We welcome feedback on how we can improve the website’s accessibility and user experience for everyone.
Quick Summary: If you have questions or concerns about these Terms, here’s how you can contact us.
If you have any questions, concerns, or comments about these Terms of Use, please contact us at:
Carlyle Financial, Inc.
10880 Wilshire Blvd., Suite 2100
Los Angeles, CA 90024
Phone: 310-276-7400
Email: info@carlylefinancial.com
We value our users and will do our best to address your inquiries promptly and resolve any issues to your satisfaction.
Carlyle Financial, Inc. (NMLS ID #1680556) is licensed by the California Department of Real Estate (Broker License #01941702) and is an Equal Housing Lender. All loans are offered and arranged through third-party lenders and are subject to credit approval and other conditions. This website and our services are intended for California residents only.