Terms

Terms of Service

Last Updated: February 2026

Welcome to the website of Kensington Lending Services, Inc. (“Company,” “we,” “us,” or “our”), NMLS ID 2569909. These Terms of Service (“Terms”) govern your access to and use of this website and any related services, communications, or inquiries. By accessing this website or submitting your information, you agree to be bound by these Terms. If you do not agree, please do not use this website.

Use of Website

This website is provided for informational purposes related to residential mortgage services, loan consultations, and related inquiries. You agree to use this website only for lawful purposes and in compliance with all applicable federal and state laws and regulations.

No Financial, Legal, or Credit Advice

Information provided on this website is general in nature and is not intended to constitute legal, financial, tax, or credit advice. Mortgage programs, interest rates, terms, fees, and qualifications vary and are subject to change without notice. You should consult appropriate licensed professionals before making any financial decisions.

No Loan Application or Credit Decision

Submission of information through this website does not constitute a loan application, credit decision, approval, commitment to lend, or rate lock. All mortgage applications, approvals, and loan terms are subject to underwriting review, verification, lender guidelines, and applicable laws.

SMS Messaging Terms

By providing your mobile phone number and opting in through our website forms, landing pages, scheduling tools, or direct inquiries, you consent to receive SMS text messages from Kensington Lending Services, Inc., including messages sent on behalf of or by its licensed mortgage loan officers, related to your mortgage inquiry.

Informational / Transactional Messages

With your consent, you may receive SMS messages including, but not limited to:

Responses to inquiries

Appointment confirmations or reminders

Application or document status updates

Service-related communications

Message frequency may vary. Message and data rates may apply.

Marketing and Promotional Messages

Marketing or promotional SMS messages will only be sent when separate, explicit consent has been provided through a dedicated, unchecked opt-in checkbox or equivalent consent mechanism.

Marketing messages may include:

Special offers

Rate or program information

Follow-up communications

Promotional updates

Message frequency may vary. Message and data rates may apply.
Consent to receive marketing messages is not a condition of purchase or service.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP.
For assistance, reply HELP or contact us using the information provided on this website.

Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

Age Restriction

By opting in to receive SMS messages, you confirm that you are at least 18 years of age.

Mobile Information Sharing Policy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of personal information exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Consent Records

SMS consent is obtained through clear, conspicuous, and voluntary opt-in methods and is documented and retained for compliance purposes. Consent to receive SMS messages is not required to submit an inquiry or receive services.

Privacy Policy
Your privacy is important to us. Personal information is collected, used, and protected in accordance with our Privacy Policy, which also governs SMS communications you consent to receive through this site.

By using this website and submitting information, you agree to the terms of our Privacy Policy, including how we collect, use, share, and safeguard your data. The Privacy Policy describes your rights to access, correct, delete, or withdraw consent regarding personal information we hold.

Please review our Privacy Policy here: https://kensingtonlending.com/privacy-policy 

Third-Party Links

This website may contain links to third-party websites provided for convenience only. We do not control and are not responsible for the content, policies, or practices of any third-party websites.

Intellectual Property

All content on this website, including text, graphics, logos, images, and other materials, is the property of Kensington Lending Services, Inc. or its licensors and may not be copied, reproduced, distributed, or used without prior written permission.

Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, availability, or reliability of the website or its content.

Limitation of Liability

To the fullest extent permitted by law, Kensington Lending Services, Inc. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to your use of this website or reliance on any information provided herein.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.

Modifications to These Terms

We may update these Terms at any time. Any changes will be posted on this page with an updated “Last Updated” date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Contact Information

If you have questions about these Terms or our services, please contact us using the information provided on this website.