The following Terms of Use and Privacy Policy are effective February 1, 2016 and remain in effect until amended. Elias Joseph Karam reserves the right to amend the Terms of Use and Privacy Policy and/or alter its content at its sole discretion without notice to you. Any alterations to the Terms of Use and Privacy Policy will be posted on our web site immediately.

Terms of Use
By using this website (mobile, web or otherwise), you agree to be bound by the following terms of use:

Elias Joseph Karam is a licensed mortgage Broker. Elias Joseph Karam collects an application, offers and negotiates mortgage loans.
Elias Joseph Karam is an administrative platform providing consumers the tools to easily search, apply and close a loan entirely online.
You apply directly with Elias Joseph Karam. Elias Joseph Karam controls the rates displayed, service providers and Elias Joseph Karam has relationships with lender partners who are responsible for making a credit decision.
You agree not to remove or modify any copyright or other intellectual property that appears in the Elias Joseph Karam website. You will not use the functions and tools available within the website for resale.
You agree not to use the services Elias Joseph Karam provides in any way that is unlawful, or harms Elias Joseph Karam, its service providers, suppliers or any other user. You agree not to distribute or post spam, chain letters, pyramid schemes, or similar communications through the Services. You agree not to impersonate another person or misrepresent your affiliation with another person or entity.
These Terms of Use do not provide you a license to use, reproduce, distribute, display or provide access to any portion of the website on third-party Web sites. You agree that you will not, nor will you permit or encourage any third party to, reproduce, publicly display, or otherwise make accessible on or through any other Web site, application, or service any reviews, ratings, and/or profile information.
Automated queries (including screen and database scraping, spiders, robots, crawlers and any other automated activity with the purpose of obtaining information from the website) are strictly prohibited on the website, unless you have received express written permission from Elias Joseph Karam.
As a limited exception, publicly available search engines and similar Internet navigation tools (“Search Engines”) may query the services Elias Joseph Karam provides and provide an index with links to the website pages, only to the extent such unlicensed “fair use” is allowed by applicable copyright law. Search Engines are not permitted to query or search information protected by a security verification system (“captcha”) which limits access to human users.
You acknowledge that, by submitting your contact information or other request form on the website or by electing to request pre-approval or approval, you may receive calls from or on behalf of the lender at the telephone number(s) you provide to assist you in the mortgage process.
You agree to defend and hold Elias Joseph Karam, its affiliates, and their respective directors, officers, employees, and agents harmless from any and all claims and demands made by any third party due to or arising out of your breach of these Terms of Use, your use of the website and it’s offerings, your violation of any law or the rights of a third party, or any submission of information and documents made through your user account on the website or that you otherwise make available through the website and its offerings.
You release Elias Joseph Karam, its affiliates, and their respective directors, officers, employees and agents from all liability related to any and all claims and demands you may assert against any third party arising out of the website and it’s offering. If you are a California resident, you waive California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

Privacy Policy
Elias Joseph Karam takes online privacy seriously. This statement is one way of maintaining your trust in our company, our products, and our services. Our privacy policy describes how we collect, protect, and use information about you during your visit to our web site.
Elias Joseph Karam holds data confidentially and securely, adhering to standard privacy policies banks and lenders adhere to, including, but not limited to 128 bit encryption technology provided by DigiCert.
Personal information about you is collected from the information you provide to us when you sign up, fill out an application or any other form on our site required for your chosen lender to offer, process, approve and complete your mortgage transaction.
If you sign up, fill out an application or other form on our site, you will be asked for a variety of information which will help lenders communicate with you, and help the lenders you choose to evaluate your need(s) and to determine eligibility for the products or services that may be right for you.
We collect personal information about you when you sign up, fill out an application with your chosen lender or other form on our site.
We use cookies, but only to maintain session status as you complete forms. We do not and will not use cookies to collect or gather information as to your activities on our website or other sites you may have visited.
We will only share your information insomuch as it is required to help your chosen lender process your application and/or form.
We restrict access to the information obtained from our web site and web pages to our employees and only those lenders and parties needed to process your information. We log all activity on the website and we periodically review that activity to determine the use of the site and will report malicious and or inappropriate activity to the appropriate law enforcement authorities. We maintain physical, electronic, and procedural safeguards designed to protect your personal information at all times.
Elias Joseph Karam will never sell or make your personal identifiable information public.
Contact Elias Joseph Karam
Elias Joseph Karam
259 Rockhill Dr.
San Antonio, TX 78209
NMLS# 2063335

Email: eliasjkaramlouie@gmail.com
Phone: 210-828-5187