Privacy & Policy
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.
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 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.”
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 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