Terms of Use
Effective Date: September 16, 2026
These Terms of Use govern your use of bisonventures.com and any Bison Ventures webpages that link to these terms (collectively, the “Website”). The Website is operated by Bison Ventures LLC, NMLS #2257632 (“Bison Ventures,” “we,” “us,” or “our”).
By using the Website, you agree to these Terms of Use. If you do not agree, please discontinue use of the Website.
1. Website Purpose
Our Website provides information about Bison Ventures, mortgage products, and home financing. Website content is provided for general educational and informational purposes and does not constitute personalized legal, tax, investment, or financial advice.
Consult an appropriate professional regarding your individual circumstances.
2. Mortgage Products and Availability
Mortgage products and services are available only in jurisdictions where Bison Ventures and the applicable mortgage loan originator are properly licensed or otherwise authorized to conduct business.
All loans are subject to applicable eligibility requirements, credit approval, underwriting, and program guidelines. Not all applicants will qualify. Product availability, rates, fees, and terms may change, subject to applicable law and any binding written agreement.
Nothing on this Website constitutes a commitment to lend, a loan approval, or a rate-lock agreement.
3. Rates, Estimates, and Calculators
Any rates, payments, savings illustrations, or calculator results displayed on the Website are estimates based on stated or assumed information. Actual terms depend on factors such as credit profile, income, property type, occupancy, loan amount, loan-to-value ratio, and market conditions.
Unless expressly included, estimates may exclude property taxes, homeowners insurance, mortgage insurance, association dues, closing costs, or other expenses. An interest rate is not the same as an annual percentage rate (APR).
Website estimates do not replace a Loan Estimate, Closing Disclosure, or other required mortgage disclosure. A rate is locked only as confirmed under a written rate-lock agreement.
4. Inquiries and Applications
Submitting an inquiry or requesting information does not guarantee approval or obligate you to obtain a loan from Bison Ventures.
Whether information you submit constitutes a mortgage application is determined by applicable law. Nothing in these terms limits our obligation to provide required disclosures or comply with applicable application requirements.
You agree to provide accurate information when communicating with us and to update material information as needed during the application process.
5. Privacy and Sensitive Information
Our applicable privacy notices explain how we collect, use, and share personal information. You may request a copy by contacting [email protected].
Do not submit Social Security numbers, bank account information, passwords, or sensitive financial documents through general contact forms or unsecured email. Use the secure application or document-delivery methods we provide.
6. Communications and Electronic Consent
When you request information or assistance, we may respond using the contact information you provide, consistent with applicable law and your communication preferences.
Using this Website does not, by itself, constitute consent to receive automated marketing calls or text messages. Any applicable marketing consent will be requested separately. Consent to marketing communications is not a condition of obtaining a loan or purchasing services.
These Terms of Use do not replace any separate consent required for electronic delivery of mortgage disclosures or electronic signatures.
7. Third-Party Websites and Services
The Website may link to third-party websites or services, including application portals and other resources. Those services may have their own terms and privacy policies.
We do not control third-party content or guarantee its accuracy, security, or availability. A link does not necessarily constitute an endorsement. Nothing in this section limits responsibilities we have under applicable law for service providers acting on our behalf.
8. Permitted Use
You may use the Website for lawful purposes and to evaluate our services.
You may not:
- Submit false, fraudulent, or misleading information.
- Impersonate another person or misrepresent your identity.
- Attempt to gain unauthorized access to systems, accounts, or data.
- Introduce malware or interfere with Website functionality or security.
- Collect personal information about others without authorization.
- Copy, sell, or commercially exploit Website content without permission, except as permitted by law.
9. Intellectual Property
Website text, graphics, logos, designs, and other content are owned by Bison Ventures or used with permission and are protected by applicable intellectual property laws.
You may view, download, or print reasonable portions for personal, noncommercial use, provided you retain applicable ownership notices. Other uses require permission from the relevant rights holder.
10. Website Availability and Accuracy
We make reasonable efforts to maintain accurate and useful information, but Website content may contain errors or become outdated. We may update, modify, suspend, or discontinue Website features.
To the extent permitted by law, the Website is provided “as is” and “as available,” without warranties regarding uninterrupted availability, completeness, or freedom from technical errors. This provision does not alter obligations arising under applicable law or a separate written agreement.
11. Limitation of Liability
To the extent permitted by applicable law, Bison Ventures is not liable for indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Website.
This limitation does not exclude liability that cannot lawfully be excluded, including liability for fraud, willful misconduct, or other conduct for which applicable law prohibits a limitation. Nothing in these terms waives your rights under applicable consumer protection or mortgage lending laws.
12. Separate Agreements
Mortgage applications, rate locks, electronic consent, and loan transactions may be governed by separate disclosures and agreements. If these terms conflict with a transaction-specific agreement or required disclosure, that agreement or disclosure controls for the relevant subject matter, subject to applicable law.
13. Governing Law
These terms are governed by the laws of the State of Arizona and applicable federal law, without depriving you of mandatory protections available under the laws of your state of residence.
If any provision is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
14. Changes to These Terms
We may revise these terms periodically and will update the effective date when changes are posted. Changes apply prospectively. We will provide additional notice or obtain agreement where required by law.
15. Contact Information
For questions about these terms, please contact:
Bison Ventures LLC
Company NMLS #2257632
9221 East Via de Ventura
Scottsdale, Arizona 85258
Phone: 480-992-9920
Email: [email protected]
Website: https://bisonventures.com