Last updated: April, 2026

These Terms of Use govern your access and use of the website at www.concordfinance.com (the “Website”), the platform at link.concordapps.com, our mobile applications, and our other online services (collectively, the “Platform”) operated by Concord Servicing LLC and all of its affiliates and subsidiaries (collectively, “Concord,” “we,” “us,” and “our”). By accessing, browsing, and/or using this Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (also referred to as the “Agreement”) and the Privacy Policy on your own behalf and on behalf of any organization you represent (collectively, “you” or “your”). Please review them carefully.

Table of Contents

1. Introduction
2. Definitions
3. Modification of Terms
4. Use License
5. Authorized Access and Security
6. Password Responsibility and Account Security
7. Communications with Concord
8. Warranties and Limitations of Liability
9. Direct or Indirect Links to Other Sites
10. Indemnification
11. Dispute Resolution
12. Class Action Waiver
13. Miscellaneous Provisions

1. Introduction

You will comply with all applicable U.S., foreign and international laws and regulations, including but not limited to U.S. export and re-export control laws and regulations and U.S. and international Copyright laws. If you do not agree to the terms and conditions of this Agreement, you are prohibited from using the Platform and must immediately cease accessing and using the Platform.

Concord may modify this Agreement at any time, and such modifications shall be effective immediately upon either posting of the modified agreement or notifying you. You agree to review the Agreement periodically to be aware of such modifications and your continued access or use of the services shall be deemed your conclusive acceptance of the modified agreement and all terms and conditions therein.

This Platform is not targeted towards, nor intended for use by, anyone under the age of 18. By using the Platform, you represent and warrant that you are 18 years of age or older. If you are not at least 18 years of age, do not access, use or register for an account on the Platform. You also represent and warrant that you (a) have not previously been suspended or removed from the Platform; and (b) that you have full power and authority to agree to all terms and conditions of this Agreement, and in doing so will not violate any other agreement to which you are a party.

This Platform is controlled and operated by Concord from its offices within the United States. Concord makes no representation that materials on the Platform are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited.

2. Definitions

“Access” or “Accessing” means accessing, using, viewing the content or otherwise obtaining information on, the Platform.

“Agreement” or “Terms” refers to these Terms of Use and any subsequent modifications.

“User” refers to any person or entity that Accesses the Platform. If you are Accessing the Platform as an employee or agent of another, “User” refers to you and your employer or principal.

“You” or “Your” refers to the User. If you are Accessing the Platform as an employee or agent of another, “You” or “Your” refers to the User and the User’s employer or principal.

3. Modifications of Terms

Concord reserves the right, at any time and without prior notice, to change, modify, alter or update (collectively, “modify” or “modifications”) the terms and conditions of this Agreement. Modifications shall become effective immediately upon being posted at the Platform. Except as provided for in this paragraph, this Agreement may not be modified or amended.

4. Use License

4.1 Concord grants to the User a limited, non-exclusive, non-sub licensable, non-transferable and revocable license to Access the Platform subject to the terms and conditions in this Agreement. You may temporarily download one copy of the materials on the Platform for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title or ownership.

4.2 Access and Use of this Platform is subject to all applicable international, federal, state and local laws and regulations. Copyright laws protect all information and content in this Platform. Unless expressly permitted, Users of the Platform are prohibited from modifying, copying, displaying, distributing or transmitting, selling, licensing, or creating derivative works from any content in this Platform.

4.3 User expressly agrees to refrain from doing, either personally or through an agent, any of the “Prohibited Conduct” listed below. The following are non-limiting examples of Prohibited Conduct:

• Transmit, install, upload or otherwise transfer any virus, advertisement, communication, or other item or process to the Platform that in any way affects the use, enjoyment or service of the Platform or adversely affects Concord’s computers, servers or databases.
• Capture, download, save, upload, print or otherwise retain information and content available on the Platform other than what is expressly allowed by these Terms.
• Copy, modify, reverse engineer, disassemble, decompile, redistribute, republish, alter, create derivative works from, assign, license, transfer or adapt any of the software, information, text, graphics, source code or HTML code, or other content available on the Platform.
• Remove or modify any copyright, trademark, legal notices, or other proprietary notations from the content available on the Platform.
• Transfer the Platform content to another person, “frame,” “mirror,” “in-line link,” or employ similar navigational technology to the Platform content, or “deep link” to the Platform content.
• Violate or attempt to violate Concord’s security mechanisms, access any data or server you are not authorized to access, or otherwise breach the security of the Platform or corrupt the Platform in any way.
• Engage in any other conduct which violates the Copyright Act or other laws of the United States or other countries.
• Use any device (such as a “web crawler” or other automatic retrieval mechanism) or other means to harvest information about other Users, the Platform or Concord.
• Use the Platform to violate a third party’s intellectual property, personality, publicity or confidentiality rights.
• Misrepresent your identity or personal information when Accessing the Platform.
• Post obscene, harassing, defamatory, filthy, violent, pornographic, abusive, threatening, objectionable or illegal material on the Platform.

4.4 The license granted pursuant to this Agreement: (a) Shall immediately and automatically terminate without notice if you violate or attempt to violate this Agreement; and (b) May be terminated by Concord at any time and without notice for any reason or no reason.

5. Authorized Access and Security

5.1 Access to password-protected and secure areas of the Platform is limited exclusively to authorized users. Concord reserves the right to pursue legal action against any unauthorized individuals who attempt to access restricted areas of the Platform.

5.2 Users are prohibited from obtaining or attempting to obtain unauthorized access to protected portions of the Platform or any other confidential materials or information through any means not expressly provided by Concord for such user’s authorized use.

5.3 Concord maintains physical, electronic, and procedural safeguards in compliance with applicable federal standards to protect clients’ non-public personal information, as detailed in our Privacy Policy.

6. Password Responsibility and Account Security

6.1 If you have been provided with password credentials for accessing non-public areas of the Platform, you bear sole responsibility for maintaining the confidentiality and proper use of such password and all associated security data, methods, and devices.

6.2 Concord shall have no obligation to verify the authority or propriety of any instructions received from you or through your password credentials and is authorized to act upon any such instructions. Concord shall not be liable for any loss, cost, expense, or other liability arising from reliance upon such instructions.

6.3 You must take appropriate measures to protect the confidentiality of your password. You must notify Concord immediately upon becoming aware of any unauthorized activity, disclosure, loss, theft, or unauthorized use of your password.

6.4 You represent and warrant that all information provided to Concord during account registration through our website or mobile applications is true, accurate, current, and complete.

7. Communications with Concord

7.1 In connection with the Platform, you may receive notifications, alerts, emails, or other communications regarding the Platform, including but not limited to two-factor verification messages, suspicious activity alerts, and transaction confirmations.

7.2 Concord will never include your password in any communications but may include your name, email address, and account information.

7.3 It is your responsibility to update or change the contact information registered with Concord as appropriate. If you become aware of any unauthorized use of your information, please contact us immediately.

7.4 Concord may send you communications that you are required to read. You may unsubscribe from marketing-oriented emails at any time.

7.5 When you access the Platform through a mobile network, your network or roaming provider’s messaging, data, and other rates and fees may apply. Concord is not liable for delayed or undelivered messages.

7.6 Authorized employees or agents of Concord may monitor and record all or portions of your telephone calls, emails, text messages, chats, and other communications with Concord for quality control, customer service, employee training, security, legal, compliance, and other lawful purposes. You hereby consent to such recording.

8. Warranties and Limitations of Liability

8.1 All information and materials on the Platform are provided “as is”, and Concord makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

8.2 In no event shall Concord be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Platform, even if Concord or its authorized representative has been notified orally or in writing of the possibility of such damage.

9. Direct or Indirect Links to Other Sites

The inclusion of any link does not imply endorsement by Concord of any linked site. Use of any such linked sites is at the User’s own risk. Because third-party sites are owned and operated independently, Concord is not responsible or liable for the practices, actions or policies of these third-party sites.

10. Indemnification

You agree to indemnify, defend and hold harmless Concord (and its officers, directors, agents, employees, subsidiaries, successors, assigns and affiliates) harmless from and against any claim or demand and all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement or any activity related to your use of the Platform.

11. Dispute Resolution

If a dispute should arise between you and Concord relating to this Agreement, please contact our customer service team by calling toll free to 1-866-493-6393 or by sending an email to [email protected]. In the event that a dispute cannot be resolved informally, then you and Concord agree that the dispute shall be resolved by mandatory binding arbitration.

PLEASE CAREFULLY REVIEW THIS SECTION. IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS AND MAY PREVENT YOU FROM FILING A LAWSUIT IN COURT AND HAVING A JURY HEAR YOUR CLAIMS.

This Agreement shall be governed by and construed in accordance with the laws of the State of Arizona, excluding its conflict of law rules. You and Concord expressly agree that any arbitration or court action shall be held in Maricopa County, Arizona.

OPT-OUT OF AGREEMENT TO ARBITRATE
You can decline this agreement to arbitrate by sending an email to [email protected] that provides: (1) Your Name; (2) Your Address; (3) Your Phone Number; (4) the URL of this Terms of Use Agreement; and (5) a clear statement that you wish to opt out of this arbitration provision. The Opt-Out Notice must be emailed no later than 30 days after the date you first accept the Terms of Use.

12. Class Action Waiver

You understand and agree that you will waive your right to have any dispute or claim brought, heard or arbitrated as a class action, collective action or representative action. Any claim that all or part of this Class Action Waiver is invalid, unenforceable, unconscionable, void or voidable must be determined only by a court of competent jurisdiction and may not be determined by an arbitrator.

13. Miscellaneous Provisions

13.1 Period of Limitation
Should you bring a claim against Concord for any alleged act or omission relating to or arising from this Agreement, such action must be brought within one year from the date of the alleged conduct giving rise to the cause of action.

13.2 Waiver
The failure of Concord to partially or fully exercise any rights or remedies that may be available to it shall not prevent a subsequent exercise of such rights by Concord and shall not be deemed a waiver by Concord of any subsequent breach.

13.3 Entire Agreement
This Agreement constitutes the entire agreement of the parties with respect to this subject matter and your use of the Platform.

13.4 Severability
In the event any provision of these Terms of Use is found to be partially or wholly invalid, illegal or unenforceable, such provision shall be modified or restricted to the extent and in the manner necessary to render it valid, legal, and enforceable.

13.5 Survivability
The provisions of paragraphs 4.3 (Prohibited Conduct), 8 (Warranties, Limitation of Liability), 9 (Links to other Sites), 10 (Indemnification), 11 (Dispute Resolution), 12 (Class Action Waiver) and 13 (Misc.) shall survive termination or expiration of this Agreement.