Terms and Conditions


This website and any of the services provided by UCLS in connection with this website are subject to these Terms and Conditions which govern your use of the website.  

UCLS offers financial services for businesses which can be offered to you directly by Universal Component Lender Services, LLC, and other services by independent third-party service providers sometimes accessed through links on our website. By using or accessing this website you agree to be bound by UCLS’s Terms and Conditions of use and access. 

This website is directed at residents of the United States and UCLS’s services are limited to users in the states and jurisdictions in which UCLS is authorized to conduct business. Persons outside of these authorized and intended areas should not rely or act upon any such information on this website. UCLS may require proof of residence from users who access our website or wish to use our services.  



You agree that:

  • Your use of this site is subject to and governed by these terms of use; 
  • you will only access or use this site and transact business with us if you are at least 18 years old; 
  • you will comply with and be bound by these terms of use as they appear on this site each time you access and use this site; 
  • each use of this site by you indicates and confirms your assent to and agreement to be bound by these terms of use; 
  • these terms of use are a legally binding agreement between you and UCLS that will be enforceable against you. 


You agree to abide by all applicable laws and regulations in your use of the site and our services. In addition, you agree that you will not do any of the following: 

  • Apply for a service on behalf of an individual other than yourself or on behalf of any group or entity without a proper third party authorization; 
  • post or otherwise make available content, or take any action on the site, that may constitute libel or slander or that infringes or violates someone else's rights or is protected by any copyright or trademark, or otherwise violates the law; 
  • post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful or otherwise objectionable; that restricts or inhibits any other person from using or enjoying the site; or that may expose us or our users to any harm or liability of any type; 
  • post or otherwise make available any unsolicited or unauthorized advertising, solicitations or promotional materials, or any other form of solicitation; 
  • use the information or content on our site to send unwanted messages to any other user; 
  • impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity; 
  • harvest or collect email addresses or other contact information of our users from the site by electronic or other means, including via the use automated scripts;  
  • post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment. 


You also agree to be bound by UCLS’s privacy policy and the Terms and Conditions of any supplemental privacy policies or terms and conditions that may apply to services for which you may register or use, as provided on or via our website. 

Federal and state law (“the Law”) requires us to tell you how we collect, use, share and protect your personal information. The Law also limits how we can use your personal information. Please read our online privacy policy carefully to understand what we do with the personal information we collect both online and offline. UCLS takes your online privacy seriously. Protecting the online privacy and security of consumers’ personal information is an important part of the way UCLS demonstrates trustworthiness and care for our clients and users of this website. 


You are granted a non-exclusive, non-transferable revocable license to access and use UCLS’s website strictly in accordance with these terms of use. As a condition of your use of the website, you warrant to UCLS that you will not use the website for any purpose that is unlawful or prohibited by these terms. You may not use the website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of the website. You may not obtain or attempt to obtain any materials or information through any means not initially made available or provided for the website. Each page on this website is owned and controlled by UCLS unless stated otherwise. The information on our website, including but not limited to text, images, design, graphics, software, source code, appearance, and content is protected by U.S. copyright laws and international treaties. 

This protection includes usage or copy of the likeness or appearance of UCLS’s name and house graphic located next to the UCLS name, and other registered or unregistered trademarks and service marks owned by UCLS. 

Unless we authorize the use in writing, you are not allowed to use, copy, display, distribute, modify or reproduce any of the trademarks, service marks, or copyrighted information found on our website. 

We authorize you limited personal non-commercial use, or restricted internal business use, such as usage among employees of your organization for the dissemination of services provided to you by UCLS. Such authorized use is in no way intended as a transfer of title, ownership, or rights by UCLS to you. UCLS reserves the right to terminate your limited authority if misused or if otherwise in violation of the terms of usage, with or without notice or as required by applicable law. Please submit copyright complaints to:  



UCLS provides links to other websites owned and controlled by third-party service providers and service partners not affiliated with UCLS. These links are provided for your convenience only and is not an indication that UCLS recommends or endorses such third parties. 

UCLS is not liable for any other company’s website, including but not limited to the policies, security, products, or services pertaining to those third-party websites. When you click on a third-party link available on our website, you agree to read the policies and terms of usage and access provided by such third parties. 

UCLS is not liable for the advice, information, recommendations, opinions, services, or any experience you may have with such third parties, and you assume all risks involved with the use of such third-party websites. 


The information, software, products, and services included in or available through the website may include inaccuracies or typographical errors. Unless the law or this term of use notice prevents or restricts modification or exclusion, there is no warranty of any kind, regardless of services and offers made available through this website, including any and all representations and warranties provided by UCLS and its subsidiaries, or by this website. Services are offered on an “as is,” “where is” and “where available” basis, with no warranty of any kind, whether express, implied, or statutory including, but not limited to, warranties of title or the implied warranties of merchantability or fitness for a particular purpose. You acknowledge that neither UCLS, its subsidiaries, affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that the services or the website will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the services or the website, or as to the timeliness, sequence, accuracy, reliability, completeness or content of any information or service provided through the services and the website. To the maximum extent permissible under applicable law, UCLS will not be responsible to you or any third party claiming through you for any direct, indirect, special or consequential, economic, or other damages arising in any way out of the installation or use of the services, the website, any on-line services or internet browser software, including liability associated with any computer viruses which may infect your computer system, and any other matter relating to our website even if UCLS or its representatives, affiliates, and agents are advised of the possibility of such damages, losses or expenses. 


UCLS reserves the right, in its sole discretion, to change the terms under which this website is offered. The most current version of the terms will supersede all previous versions. UCLS encourages you to periodically review the terms to stay informed of our updates. In addition, there may be changes in the law or technology that require these changes, and when these events occur, you may also experience changes on our website. Your use of our website includes your agreement to be bound by such changed Terms and Conditions. 


This section details your rights under the California Consumer Privacy Act.

Data Collection and Data Sharing 

These are the types of data we might collect about you:

  • Identifiers 
  • Any personal data described in subdivision (e) of Section 1798.80 of the California Consumer Privacy Act 
  • Characteristics of protected classifications under California or federal law 
  • Commercial data 
  • Biometric data (for employees only as required by law) 
  • Internet or other electronic network activity data 
  • Geolocation data 
  • Sensory data 
  • Professional or employment data 
  • Education data 
  • Inferences drawn from any of the data used to create a customer profile 

Sources of collected data:

  • Information collected through our websites 
  • Information you provided when getting a product or a service from us 
  • Information you provided when signing up for communications from us 
  • Information you provide when entering promotions or sweepstakes 
  • Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback 
  • Information you provided when applying for a position with us 
  • Information provided by third parties such as lead buy partners, data brokers and credit bureaus 
  • Information collected using web technologies 

Ways we might use your data:

  • Marketing (unless you've opted out) 
  • Auditing 
  • Fraud detection 
  • Debugging 
  • Providing services 
  • Quality control 

Reasons we might share your data with third parties:

  • Business purposes 
  • Auditing 
  • Detecting fraud 
  • Debugging 
  • Providing services 
  • Internal research 
  • Quality control 

With your consent, we might share your personal data with third parties, including our affiliates, mortgage partners and service providers, for these reasons: 

  • Business purposes 
  • Marketing 
  • Analytics 
  • Pre-populating your information to make your experience easier