Terms of Use


Website Ownership

This website is owned and operated by Nations Reliable Lending, LLC doing business as Modi, 4400 Post Oak Parkway, Suite 1000 Houston, TX 77027.

Access to this Website

Modi always reserves the right, in its sole discretion and without notice to you, to deny your access to and use of this website.

Permitted Use

You agree that:

  1.      Your use of this website is subject to and governed by these Terms of Use;
  2.      You will only access or use this website and transact business with us if you are at least 18 years old;
  3.      You will use this website solely for its services offered in the normal course of business;
  4.      You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website;
  5.      Each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
  6.      These terms of Use are a legally binding agreement between you and Modi

You further agree to not use this site in any way that:

  1.     Interferes with or induces a breach of the contractual relationships between Modi and its employees;
  2.      In any way is unlawful or prohibited, or that is harmful or destructive to anyone or their property;
  3.     Transmits any advertisements, solicitations, schemes, spam, flooding , other unsolicited email, or unsolicited commercial communications;
  4.      Transmits any harmful or disabling computer codes or viruses;
  5.      Harvests email addresses from this site;
  6.      Transmits unsolicited email to this site or to anyone whose email address included the domain name under on this website;
  7.      Interferes with our network services;
  8.      Attempts to gain unauthorized access to our network services;
  9.      Suggests an express or implied affiliation with Modi without the express written permission of Modi;
  10.   Impairs or limits our ability to operate this website or any other person’s ability to access and use this website;
  11.   Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
  12.   Transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
  13.   Dilutes or depreciates the name and reputation of Modi or any of its affiliates;
  14.   Harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
  15.   Transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy; or
  16.   Unlawfully transmits or uploads any confidential, proprietary or trade secret information.

Links to Third-Party Sites

The Site may contain links to web sites controlled or offered by third parties which are not maintained by Modi. Modi hereby disclaims liability for any other company’s Web site content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. Links to other internet services and websites are provided solely for the convenience of users and you may access them at your own risk. A link to any service or website is not an endorsement of any kind of the service, website, its content, or its sponsoring organization.

Application of Additional Terms

You acknowledge that certain features of this website, as well other products and services of Modi, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

User IDs and Passwords

If you have been given the option to gain access to password protected portions of the Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and username. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify Modi of any unauthorized use of your account or any other breach of security of which you become aware, and (b)exit completely from your account at the end of each online session. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.  You acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your username, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your username, password or other identifying information has been lost, stolen or otherwise compromised.

Intellectual Property

Trademarks, service marks, logos, emblems, slogans, designs and copyrighted works appearing on the Websites are the property of Modi or the party that provided them to Modi. Modi and those third parties retain all rights associated with any of the respective trademarks, service marks, logos, emblems, slogans, designs and copyrighted works appearing on the Websites.

All content, web pages, source code, calculations, products, materials, data, information, text, screens, photos, video, music and sound, functionality, services, design, layout, screen interfaces, design, functionality, and the operation of the Websites (collectively”Content”) is the proprietary information of Modi or the party that provided or licensed the Content to Modi, and is protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks. All rights associated with theContent are owned by Modi, our licensors, or our content providers. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation ofContent will be permitted without our express, authorized written permission and/or the express, authorized written permission of the copyright owner.

The availability of any Content through theWebsites shall under no circumstances constitute a transfer of any copyrights, trademarks, or other intellectual property rights. You do not acquire any license or ownership rights by downloading or viewing any Content or by any other means. You will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Content.

All testimonials submitted to us will also become and remain our exclusive property, even if the provisions of this agreement are later modified or terminated. This means that you irrevocably grant to us the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that we may use any percentage or part of your testimonial, image, likeness and/or works ,in any way that we see fit, and may exclude your name or use a fictional name or other identifier at our sole discretion.

Revisions and Modifications

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you.


You agree to defend, indemnify, and hold harmless Modi and its affiliates, vendors licensors, service providers, and all of its and their respective employees, officers, directors, agents and representatives, subsidiaries, successors, affiliates, contractors, agents from and against any claims, liabilities, damages, judgements, awards, costs, expenses, or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.

No Warranty

The information and materials contained in the Modi website including text, graphics, links, or other items are provided “as is”. Modi does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express, or statutory, including but not limited to, the warranties of merchantability, title, non-infringement of intellectual property, fitness for any particular purpose, and freedom from computer virus, is given in conjunction with the information and materials.

You acknowledge and agree that Modi is not, shall not be, responsible for the results of any defects that may exist in the website or their operation. Modi makes no representation or warranty that (a) the operation of this website will meet your or any other user’s requirements; (b) access to the website will not be uninterrupted, timely, secure, or free of errors, viruses, or other harmful components; or (c) any defects in this website will be corrected. You agree that you and not Modi, will bear the entire costs of servicing, repair, correction, or restoration that may be necessary for your data, software programs, or computer equipment because of any viruses, errors, or other problems you may have as a result of using or visiting this website, and/or any linked website. Your sole remedy for dissatisfaction with this website is to stop using the website and/or related service.

Waiver and Severability

No waiver by Modi of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition, and any failure of Modi. to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is found to be void, invalid, illegal, or unenforceable for any reason, such provision shall be deemed severable from the other provisions of these Terms ofUse and shall not affect the validity or enforceability of such other provisions.

Governing Law and Dispute Resolution

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this Website shall be filed only in the state courts, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Mobile Terms and Conditions

Effective Date: 7/7/2020

Modi Mortgage Alerts

Opt in to receive transactional and promotional messages about mortgage services from Modi Mortgage.   Opt-in by Web www.modimortgage.com/start or Text JOIN to 55012. Message frequency varies. Message and data rates may apply.

By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.

By signing up, you are confirming you are over the age of 18.

Stop Information

Text STOP to 55012 to stop receiving Modi Mortgage Alerts messages from Modi Mortgage (you will receive a confirmation text).

Help Information

For additional information, text HELP to 55012 or contact 1-800-675-6423.

Supported Carriers:

AT&T, Sprint, T-Mobile®,Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile,Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), AppalachianWireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, Cable Vision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of EastCentral Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP,Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (ChatMobility), Hawkeye (NW Missouri Cellular), i Wireless (IOWA Wireless), IllinoisValley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One(Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless,Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless,Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless,Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.

We take your privacy seriously. Please visit https://www.modimortgage.com/privacy-policy to review our privacy policy.