Terms and Conditions

Last Updated: March 2026

Credence Financial Services LLC ("Credence," "CFS," "we," "us," or "our") operates the website at www.credencefins.com and related digital properties. Please read these Terms and Conditions carefully before using our website or submitting your information through any Credence form or portal.

By using this website or submitting your information, you agree to these Terms and Conditions. If you do not agree, please do not use this website or submit your information.

1. Use of This Website

You may use this website for lawful purposes only. You agree not to:

  • Use this website in any way that violates applicable federal, state, or local law or regulation
  • Transmit any material that is false, misleading, defamatory, or harmful
  • Attempt to gain unauthorized access to any portion of this website or any related system
  • Use any automated means to access, scrape, or collect information from this website without our express written permission
  • Interfere with the proper functioning of this website

We reserve the right to suspend or terminate access to this website for any user who violates these terms.

2. Services and Information

The content on this website is provided for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of any specific rate, term, or product availability. All loan applications are subject to underwriting review, credit approval, and applicable regulatory requirements.

Rates, products, and program availability are subject to change without notice. Any rate or payment example shown on this website is illustrative only and may not reflect the terms available to you.

3. Consent to Receive Communications

By providing your contact information and affirmatively checking the applicable consent box on any Credence form, you consent to receive communications from Credence Financial Services LLC as described below. Consent is not a condition of purchase or of receiving any service.

Transactional Communications

If you check the transactional consent box, you consent to receive SMS text messages from Credence Financial Services LLC regarding your inquiry, application, or account, including appointment reminders, status updates, and service-related information.

Marketing Communications

If you check the marketing consent box, you consent to receive marketing and promotional text messages and other communications from Credence Financial Services LLC, including special offers, rate alerts, and relevant financial information.

All Communications

The following apply to all SMS communications from Credence:

  • Automated SMS messages may be sent using an automatic telephone dialing system (ATDS). Phone calls from Credence will generally be made by a loan officer or staff member directly. In limited circumstances, calls may use automated dialing or prerecorded messages; where required by law, separate consent will be obtained.
  • Message frequency varies depending on your inquiry or account activity.
  • Message and data rates may apply depending on your carrier and service plan.
  • You represent and warrant that the phone number you provide is your own.
  • If your phone number or email address changes, please notify us promptly.

4. Opt-Out and Your Choices

You may opt out of communications at any time:

  • SMS: Reply STOP to any text message to unsubscribe. You will receive a single immediate confirmation message confirming unsubscribe — no links, no offers, no additional content. No further SMS of any type will be sent without a new affirmative written opt-in. Reply HELP for assistance.
  • Email: Click the unsubscribe link in any marketing email. Once unsubscribed, you will no longer receive marketing emails but may continue to receive transactional or service-related emails as permitted by law.
  • Phone: Inform us during a call or contact us directly using the information in Section 13.

To re-enroll in SMS communications after opting out, you must provide new affirmative written consent through a Credence form or portal.

5. Data Collection and Use

By submitting your information through any Credence form or portal, you acknowledge that Credence Financial Services LLC may collect and use your personal data for the purposes described in our Privacy Policy.

For forms collecting contact information only, data collected includes first name, last name, phone number, and email address. Loan applications collect additional information as described in the Privacy Policy, including financial data and other nonpublic personal information.

Your data will not be sold or shared with third parties for marketing purposes without your express consent. Data may be shared with service providers as necessary to deliver the communications you have consented to receive, under strict confidentiality obligations.

For complete information on how we collect, use, store, and share your personal information, and to understand your privacy rights, please review our Privacy Policy.

6. Disclaimer of Warranties

The website and its content are provided for informational purposes only. Credence makes no warranties, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any information on this site.

7. Limitation of Liability

Credence is not liable for any damages arising from your use of or reliance on this website or its content. To the extent any liability is found, Credence's total liability for any claim arising from use of this website shall not exceed one hundred dollars ($100).

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Credence Financial Services LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without our express written permission.

9. Third-Party Links

This website or our communications may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites and encourage you to review their terms and privacy policies independently before providing any personal information.

10. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

11. Governing Law

These Terms and Conditions are governed by the laws of the Commonwealth of Pennsylvania and applicable federal law, without regard to conflict of law principles.

12. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in our practices, services, or applicable law. Updates will be posted on this website with a revised Last Updated date. Your continued use of this website following notice of changes constitutes acceptance of the updated terms.

13. Contact Us

If you have questions about these Terms and Conditions, please contact us:

Credence Financial Services LLC
53 Darby Road, Suite K
Paoli, PA 19301

Website: www.credencefins.com
Email: privacy@credencefins.com
Office: (610) 477-0858
Toll-Free: 1-888-862-1720
NMLS ID #: 2461963

Credence Financial Services LLC is a licensed mortgage lender. NMLS ID #2461963. Equal Housing Opportunity. This document does not constitute legal advice. If you have questions about your rights under applicable law, we recommend consulting a qualified attorney.