These Terms of Service ("Terms") govern your relationship with GALAXYONE MORTGAGE LLC ("we," "us," "our," or "the Company") when you apply for, obtain, or use any of our financial products or services, visit our website, or otherwise interact with us. By applying for or using our products or services, you accept these Terms in full.
If you do not accept these Terms, you should not apply for or use our products or services. If you are applying on behalf of a business, partnership, trust, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms.
These Terms apply in addition to any specific loan agreement, credit card agreement, lease agreement, account agreement, or other product-specific agreement we provide. Where a specific agreement conflicts with these Terms, the specific agreement controls for that product or service.
In these Terms, the following terms have the following meanings:
GALAXYONE MORTGAGE LLC is a diversified financial services company. We provide products and services across eight families: mortgage and real estate lending; credit card and consumer finance; sales financing and leasing; agricultural credit; secondary market financing; international trade financing; industrial and nondepository banking; and specialty lending including factoring, pawnshops, and car title lending. We structure, underwrite, fund, and service products across the full spectrum of credit and lending.
The specific terms of each Product — including the interest rate, fees, repayment schedule, collateral requirements, and covenants — are stated in the Product Agreement for that Product. These Terms govern the general relationship between you and us; the Product Agreement governs the specific Product.
When you apply for a Product, we collect the information necessary to underwrite your application. We verify your identity, income, employment, assets, debts, and credit history. We obtain credit reports from consumer reporting agencies and may verify information through third-party sources.
We make credit decisions based on our underwriting standards, applicable law, and the information available at the time of decision. We may approve, deny, or condition your application. We will provide notice of our decision as required by applicable law, including the Equal Credit Opportunity Act and the Fair Credit Reporting Act.
If your application is denied, we will provide the reason for denial and information about your rights under applicable law. If your application is approved with conditions, we will state the conditions in the Product Agreement.
For mortgage and real estate lending products — including mortgage banking, home equity credit, reverse mortgage, construction, farm mortgage, and real estate credit lending — the following additional terms apply:
For credit card and consumer finance products — including credit card issuing, charge card issuing, consumer lending, personal loans, and student loans — the following additional terms apply:
For sales financing and leasing products — including automobile financing, equipment leasing, machinery leasing, truck leasing, sales financing, and insurance premium financing — the following additional terms apply:
For agricultural credit products — including agricultural lending, Federal Land Banks, Federal Agricultural Mortgage Corporation, and Commodity Credit Corporation programs — the following additional terms apply:
For secondary market financing products — including FNMA, FHLMC, GNMA, FHLB, REMICs, and private conduit transactions — the following additional terms apply:
For international trade financing products — including Export-Import banking, Edge Act corporations, agreement corporations, and export trading companies — the following additional terms apply:
For specialty lending products — including factoring accounts receivable, pawnshops, and car title lending — the following additional terms apply:
The interest rate, fees, and payment schedule for each Product are stated in the Product Agreement. Unless the Product Agreement states otherwise:
You are in default if you fail to make a payment when due, breach a covenant in the Product Agreement, provide false information in your application, or otherwise fail to comply with the Product Agreement. In the event of default, we may:
We will provide notice of default and an opportunity to cure as required by applicable law and the Product Agreement before exercising remedies.
All content on our website — including text, graphics, logos, and design — is the property of GALAXYONE MORTGAGE LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our website content without our written permission.
We warrant that we will provide our products and services in accordance with the Product Agreement and applicable law. We do not warrant specific business outcomes, investment returns, or loan performance, as those depend on factors outside our control.
Except as expressly stated in the Product Agreement or in these Terms, we disclaim all other warranties — express, implied, or statutory — including warranties of merchantability and fitness for a particular purpose.
We do not provide legal, tax, or investment advice. Where you require such advice, you should engage a licensed professional in the relevant field.
To the maximum extent permitted by law, our total liability under any Product or under these Terms is limited to the amount of fees paid by you for the Product that is the subject of the claim during the twelve months preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential, special, or punitive damages, except where such exclusion is not permitted by applicable law.
This limitation applies even if we have been advised of the possibility of such damages. It does not apply to liability that cannot be limited by law — such as liability for fraud, willful misconduct, or violations of consumer protection law where such liability is non-waivable.
You agree to indemnify and hold harmless GALAXYONE MORTGAGE LLC from claims arising out of your misrepresentation in your application, your breach of the Product Agreement, your failure to maintain insurance on the Collateral, or your violation of applicable law — except to the extent a claim arises from our own breach or willful misconduct.
Neither party is liable for failure to perform under a Product where the failure is caused by an event beyond the party's reasonable control, including:
The affected party must give prompt notice and use reasonable efforts to resume performance.
Our collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By applying for or using our products, you consent to the practices described in our Privacy Policy.
These Terms and any Product Agreement are governed by the laws of the Commonwealth of Massachusetts, United States, without regard to conflict-of-laws principles, except where federal law preempts state law. The parties submit to the jurisdiction of the courts of Massachusetts for any dispute that is not resolved by agreement.
Before litigation, the parties agree to attempt good-faith resolution through negotiation. If the dispute is not resolved within 60 days, either party may initiate arbitration under the rules of a mutually agreed arbitration body, or file suit in a court of competent jurisdiction.
Nothing in these Terms limits any consumer protection rights you may have under applicable law, including the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, and state consumer protection laws. If any provision of these Terms is found to be unenforceable in a consumer protection context, that provision will be modified to the minimum extent necessary to make it enforceable.
Our website may reference or link to third-party websites, such as government-sponsored enterprises, regulators, or industry resources. We are not responsible for the content, accuracy, or availability of those third-party resources.
These Terms, together with any Product Agreement for a specific Product, constitute the entire agreement between the parties regarding that Product and supersede all prior discussions, proposals, and communications. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
We may update these Terms from time to time. When we make material changes, we will update the "Effective Date" at the top of these Terms and, where appropriate, provide notice to customers. The version of these Terms in effect at the time you apply for or obtain a Product governs that Product, unless the Product Agreement states otherwise.
If you have questions about these Terms, about a Product, or about any other aspect of our business, please contact us: