Terms of Service

1. Acceptance of Terms

By accessing and using the website and services provided by Michael Di Lucca, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Michael Di Lucca's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display
• Attempting to decompile or reverse engineer any software contained on the website
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server

3. Disclaimer

The materials on Michael Di Lucca's website are provided on an 'as is' basis. Michael Di Lucca makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall Michael Di Lucca or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Michael Di Lucca's website, even if Michael Di Lucca or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on Michael Di Lucca's website could include technical, typographical, or photographic errors. Michael Di Lucca does not warrant that any of the materials on its website are accurate, complete, or current. Michael Di Lucca may make changes to the materials contained on its website at any time without notice.

6. Links

Michael Di Lucca has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Michael Di Lucca of the site. Use of any such linked website is at the user's own risk.

7. Modifications

Michael Di Lucca may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of UT, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. SMS Messaging Terms

The Canopy Mortgage, LLC messaging program, including messages from Michael Di Lucca, provides non-marketing text messages concerning mortgage inquiries and requested loan-service updates. Messages may include responses to your questions, appointment coordination, follow-up information, and status or service updates you request.

By separately opting in, you authorize Canopy Mortgage, LLC and Michael Di Lucca to send these text messages to the mobile number you provide. Consent is not a condition of purchasing products or services. Message frequency may vary. Message and data rates may apply.

You may cancel SMS messages at any time by replying STOP. After you send STOP, you may receive one final message confirming your opt-out. For assistance, reply HELP, call +1 (208) 410-1703, or email mdilucca@canopymortgage.com. We will honor other reasonable requests that clearly communicate your desire to stop receiving texts.

Carriers are not liable for delayed or undelivered messages. Message delivery is subject to your wireless carrier's network availability and terms. Our handling of mobile information and messaging consent is described in our Privacy Policy.

Mortgage Lending Disclaimer

All mortgage products are subject to credit and property approval. Rates and terms may vary with credit score, loan amount, down payment, and other factors. Not all applicants qualify for all loan programs. Rates may change without notice. Website information is educational and is not an offer to lend.

Contact Information

If you have any questions about these Terms of Service, please contact Michael Di Lucca: