This website is intended for personal, non-commercial use. You may print, copy and download any information or portion of this website for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without DFS' prior written approval. Unauthorized use of this website and or any DFS systems, including, but not limited to, unauthorized entry into the DFS' systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any DFS site or service or interfere with any other party's use and enjoyment of any DFS site or service. You may not attempt to gain unauthorized access to any DFS site or service, computer systems or networks connected to any DFS site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.
DFS reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this website may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and DFS does not undertake any obligation or responsibility to update or amend any such information. DFS may discontinue or change any product or service described in or offered on this website at any time.
The information, products and services on this website are provided on an "AS IS," and "AS AVAILABLE" basis. DFS does not warrant the information or services provided herein or your use of this website generally, either expressed or implied, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. DFS will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, DFS cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither DFS, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of DFS or of any vendor providing software or services. In no event will DFS or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if DFS or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g, you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. DFS cannot and does not guarantee continuous, uninterrupted or secure access to the website.
All rights, titles and interest in this website and any content contained herein is the exclusive property of DFS, except as otherwise stated. Unless otherwise specified, this website is for your personal and non-commercial use only and you may print, copy and download any information or portion of this website for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without DFS' prior written approval. If you copy or download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.
DISCOVER, CASHBACK BONUS, and other trademarks, logos, and service marks displayed on this website (collectively the "Trademarks") are the trademarks of DFS or their respective third-party owners. Under no circumstances may you alter, modify, or change these Trademarks. You are prohibited from using the Trademarks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of DFS or such third party, which may own Trademarks.
Pursuant to Section 512(c)(2) of the Copyright Act, DFS designates the following agent to receive notifications of claimed copyright or intellectual property infringement: Sheila Lehr, Discover, 2500 Lake Cook Road, Riverwoods, IL 60015; fax: (224) 405-3555; email@example.com
Some products and services of DFS or its affiliates may be covered by U.S. Patent Numbers 6,405,181; 6,567,791; 6,718,313; 7,143,063; 7,346,576; 6,324,524; and 6,795,812.
DFS uses certain technology known as "Web beacons" and "Web cookies" on its websites and in some of its e-mails to collect information from visitors and compile aggregate statistical information about how visitors use our websites and e-mails, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit, and the effectiveness of advertising on our websites and e-mails. DFS uses this information to improve the website content and performance. No personally identifiable information is shared with any third party.
DFS also uses a permanent cookie file to uniquely identify your computer as you visit the website from time to time. No personally identifiable information is collected or shared with any third party using this cookie. If you ask us to "remember" your user ID, we will also create a permanent cookie for this purpose. In addition, DFS uses a temporary cookie file to recognize your computer as you move from page to page on the website. The cookie is deactivated when you conclude your session. Because this cookie is stored only in your computer's temporary memory, it is deleted when you close your browser software. Most Web browser software allows you to modify your preferences to be notified when a cookie is set, or to reject all cookies. If you choose to reject our cookies, some areas of our website may not function properly.
Discover Home Equity Loans offers a mortgage loan request service (referred to as "mortgage loan request service", "loan request", "request" or "service") that begins when you complete the loan request form found on Discover Home Equity Loans's website.
Discover Home Equity Loans is a Division of Discover Bank, member FDIC, NMLS ID # 684042.
Discover Home Equity Loans offers loan origination services for borrowers and is generally compensated for such services by the borrower. You should rely on your own judgment in deciding which available loan product and terms best suits your needs and financial means. You understand that Discover Home Equity Loans may keep your loan request information and any other information provided by you in the processing of your loan request, whether or not you are qualified for a loan or if you obtain a loan with Discover Home Equity Loans. You agree to notify Discover Home Equity Loans directly if you no longer want to receive communications
The websites and the services provided by Discover Home Equity Loans are available in connection with mortgage loans made on real property located in the states in which Discover Home Equity Loans is offering loans. Discover Home Equity Loans expressly reserves the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the websites at any time, without prior notice.
The data and other information you may provide Discover Home Equity Loans in the loan request is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. Discover Home Equity Loans does not guarantee acceptance into any particular loan program or specific loan terms or conditions; loan approval standards are established and maintained by us . Likewise, Discover Home Equity Loans does not guarantee that the loan terms or rates offered are the best terms or lowest rates available in the market. A loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios.
Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan offer, loan commitment or interest rate lock-in agreement. Discover Home Equity Loans may not offer all products as well as not offer products in all states. To help the government fight identity theft, the funding of terrorism and money laundering activities, Discover Home Equity Loans will obtain, verify and record information that identifies each person who opens an account with Discover Home Equity Loans. Discover Home Equity Loans may ask for your name, Social Security Number, address, date of birth and other important information that will allow them to properly identify you. During the application process, Discover Home Equity Loans may also ask to see your driver's license or other identifying documentation.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Discover Home Equity Loans. Through submission of your loan request, you are extending an express invitation to Discover Home Equity Loans to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call (or similar) list, or by email at the email address you provided or at another address that may be associated with you and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. Further, through submission of your loan request, you are extending an express invitation to Discover Home Equity Loans to contact you about your loan request, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system when contacting you, even if you are charged for the call under your phone plan.
By saving your information with Discover Home Equity Loans or by completing a submission of the loan request, you give Discover Home Equity Loans permission to retain all such provided information and to make live calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete. You also authorize Discover Home Equity Loans to request from one or multiple credit bureaus / reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history.
Discover Home Equity Loans may choose to electronically deliver information related to its services and your requests. Through submission of your loan request, you expressly consent to receive communications from Discover Home Equity Loans ("Communications") in connection with your loan request in electronic form. You can choose to withdraw your consent to receive Communications in electronic form at any time as described below. Communications may transmit or convey information about the status of your loan request as well as other information. You agree to receive all current and future Communications and to do business electronically with Discover Home Equity Loans. This means that Discover Home Equity Loans may communicate with you by sending a message to the email address you provided. You agree that you meet the below hardware and software requirements and are able to access and retain copies of Communications made available electronically.
Before you decide to do business electronically with Discover Home Equity Loans, you should consider whether you have the required hardware and software capabilities described below. While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements:
Access to the Internet and an Internet browser which supports 128-bit SSL encryption, such as:
Most Communications are provided in either HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 7.0 or later version is required. A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at . Communications are provided by email. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. To print or download Communications you must have a printer connected to your computer or sufficient hard-drive space (approximately 1 MB) to store the Communications.
You may withdraw your consent to do business electronically in connection with your Discover Home Equity Loans loan request at no cost to you. If you choose to withdraw your consent in connection with your loan request, you can receive future Communications in paper form, by U.S. mail at no charge to you by contacting 1-855-361-3435. If you decide to withdraw your consent, the legal validity and enforceability of electronic Communications previously provided to you will not be affected.
You should keep us informed of any change in your email or U.S. postal mailing address. You may contact Discover Home Equity Loans by telephone at 1-855-361-3435 regarding any such changes.
Discover Home Equity Loans Attn: Customer Relations PO Box 29029 Phoenix, AZ 85038-9029 Customer Service: 1-855-361-3435