Terms of service
Last Updated: January 1, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE (THE “SITE”) OR ANY SERVICES PROVIDED BY CONTRACT TO CLOSE PROCESSING, LLC, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL POLICIES INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO ALL TERMS, DO NOT USE THIS SITE OR SERVICES.
These Terms of Service (“Agreement” or “Terms”) constitute a legally binding agreement between you (“you,” “user,” or “customer”) and Contract to Close Processing, LLC, a Colorado limited liability company with its principal place of business at 512 4th Ave Ste 103, Longmont, CO 80501. This Agreement supersedes all prior agreements.
OVERVIEW
The Site is operated by Contract to Close Processing, LLC. Throughout the Site, the terms “we,” “us,” and “our” refer to Contract to Close Processing, LLC.
By visiting our Site and/or purchasing services from us, you engage in our “Service” and agree to be bound by these Terms, including any additional terms, policies, or notices referenced herein. These Terms apply to all users of the Site, including browsers, customers, vendors, and contributors of content.
We reserve the right to update or modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of those changes.
SECTION 1 – GENERAL TERMS
You represent that you are at least the age of majority in your state of residence or have consented to allow any minor dependents to use this Site.
You may not use the Site or Services for any unlawful purpose or in violation of any applicable laws. You may not transmit viruses, malware, or destructive code.
We reserve the right, at our sole discretion and without notice, to:
- Restrict, suspend, or terminate access to the Site
- Modify or discontinue any portion of the Site or Services
- Remove content
- Deactivate or delete accounts
- Establish limits on Site usage
You agree we are not liable for exercising these rights.
Your content (excluding payment information) may be transferred unencrypted across networks. Payment information is always encrypted during transmission.
You may not reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission.
SMS TERMS AND CONDITIONS
SMS Consent
Phone numbers collected for SMS consent are not shared with third parties for marketing purposes.
Types of Messages
If you consent to receive SMS messages from Contract to Close Processing, LLC, you may receive messages related to:
- Appointment reminders
- Follow-ups
- Billing inquiries
- Promotions (if applicable)
Example:
“Hello, this is a reminder of your upcoming appointment. Reply STOP to opt out.”
Message Frequency
Message frequency may vary. You may receive up to 2 messages per week depending on your account activity.
Fees
Standard message and data rates may apply based on your carrier plan.
Opt-In Methods
You may opt in by:
- Verbal consent
- Submitting an online form
- Completing a paper form
Opt-Out
Reply STOP to any SMS message or contact us directly to be removed.
Help
Reply HELP for assistance or review our Privacy Policy and Terms.
SECTION 2 – CREATING AN ACCOUNT
When creating an account, you agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials.
You may not transfer your account to another party. We are not responsible for unauthorized access resulting from theft or misuse.
Providing false or incomplete information may result in suspension or termination of your account.
SECTION 3 – USER CONDUCT
You are solely responsible for any content you submit or transmit. You agree not to use the Site to:
- Post unlawful, abusive, defamatory, obscene, or hateful content
- Harm minors
- Impersonate any person or entity
- Infringe intellectual property rights
- Distribute spam or unsolicited messages
- Upload malware or disruptive code
- Interfere with Site operations
- Violate any local, state, federal, or international laws
We reserve the right to remove content and disclose information as required by law or to protect our rights and users.
SECTION 4 – GLOBAL USE AND COMPLIANCE
You agree to comply with all applicable export, import, and online conduct laws, including U.S. export regulations. You may not use the Site for prohibited military or weapons-related purposes.
SECTION 5 – SUBMITTED CONTENT
You retain ownership of content you submit. However, you grant Contract to Close Processing, LLC a worldwide, royalty-free, non-exclusive license to use, display, reproduce, and distribute such content for Site operation and promotion.
Publicly accessible areas include forums or message boards. Private areas include account messaging systems.
CONTRIBUTIONS
Any feedback, suggestions, or ideas you submit become the sole property of Contract to Close Processing, LLC, without obligation to compensate you.
SECTION 6 – INDEMNIFICATION
You agree to indemnify and hold harmless Contract to Close Processing, LLC and its affiliates from any claims arising out of your use of the Site, violation of these Terms, or infringement of third-party rights.
SECTION 7 – COMMERCIAL REUSE
You may not use any portion of the Site or Services for commercial purposes without written consent.
SECTION 8 – MODIFICATIONS TO SERVICES
We reserve the right to modify or discontinue Services at any time without liability.
SECTION 9 – TERMINATION
We may suspend or terminate your account at any time for violations, nonpayment, inactivity, security concerns, or legal requests. Termination includes deletion of account data and denial of access.
SECTION 10 – LINKS TO THIRD-PARTY SITES
We are not responsible for third-party websites or content linked through our Site.
SECTION 11 – PROPRIETARY RIGHTS
All Site content, trademarks, and software are owned by Contract to Close Processing, LLC or its licensors and protected by law. No license is granted except as expressly stated.
SECTION 12 – WARRANTY DISCLAIMERS
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
SECTION 13 – LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SITE OR SERVICES.
SECTION 14 – RELEASE
You release Contract to Close Processing, LLC from any claims arising from disputes related to the Site or Services.
SECTION 15 – NOTICE
Notices may be provided via email, SMS, website postings, or other reasonable means.
SECTION 16 – INTELLECTUAL PROPERTY RIGHTS
All trademarks and branding belong to Contract to Close Processing, LLC. Unauthorized use is prohibited.
Copyright Complaints
Send notices to:
Contract to Close Processing, LLC
Attn: Copyright Agent
512 4th Ave Ste 103
Longmont, CO 80501
Phone: 303-834-7796
Email: jkimsey@ctocprocessing.com
SECTION 17 – ENTIRE AGREEMENT
These Terms constitute the entire agreement between you and Contract to Close Processing, LLC.
SECTION 18 – GOVERNING LAW AND VENUE
This Agreement is governed by the laws of the State of Colorado, without regard to conflict-of-law principles. Venue shall lie exclusively in Colorado courts.
SECTION 19 – WAIVER AND SEVERABILITY
Failure to enforce any provision does not constitute a waiver. Invalid provisions do not affect the remainder of the Agreement.
SECTION 20 – NON-TRANSFERABILITY
Accounts are non-transferable and terminate upon the user’s death.
SECTION 21 – STATUTE OF LIMITATIONS
Any claim must be filed within six (6) months of the event giving rise to the claim.
SECTION 22 – VIOLATIONS
Report violations to:
Contract to Close Processing, LLC
512 4th Ave Ste 103
Longmont, CO 80501
Phone: 303-834-7796
Email: jkimsey@ctocprocessing.com
SECTION 23 – GOVERNMENT REQUESTS
We may disclose information as required by law in accordance with our Privacy Policy.
SECTION 24 – FOREIGN ACCESS
The Site is operated from the United States. Users accessing from outside the U.S. are responsible for local law compliance.
SECTION 25 – ERRORS AND OMISSIONS
We reserve the right to correct errors or inaccuracies without notice.
SECTION 26 – PRIVACY POLICY
Your use of the Site is subject to our Privacy Policy, which governs collection and use of personal information.
Contract to Close Processing LLC
512 4th Avenue #103, Longmont, CO, USA
**All Processing fees are paid at closing through Title at disbursement as borrower-paid fees. Pricing is dependent on package type. A la carte services are due at time of service or can be billed on a monthly basis.
Copyright © 2024 Contract to Close Processing LLC - All Rights Reserved.
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