Last Updated: September 8, 2026
Effective Date: September 8, 2026
These Terms of Service (the “Terms”) are a binding agreement between you and From Stark to Finish Inc., doing business as Stark Processing (“Stark Processing,” “we,” “us,” or “our”), a Florida corporation with offices at 115 Laurel Way, Royal Palm Beach, FL 33411.
They govern your access to and use of www.starkprocessing.com (the “Site”), our quote and contact forms, our document upload portals, our SMS text messaging program, and any loan processing or consulting services we provide (together, the “Services”).
By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services. If you are using the Services on behalf of a company or other entity, you represent that you have authority to bind that entity, and “you” refers to both you and that entity.
Stark Processing provides third-party contract loan processing and back-office support to mortgage brokers, loan officers, lenders, and their clients. Our work includes file setup, document collection and review, data entry, condition tracking, and coordination with lenders and settlement providers.
You acknowledge and agree that:
We are not a lender. We do not originate, fund, purchase, or service loans, and we do not make credit decisions.
We are not a mortgage broker and do not negotiate loan terms, rates, or fees on your behalf.
We do not guarantee approval. Whether a loan is approved, and on what terms, is determined solely by the lender.
Nothing on the Site is an offer of credit or a commitment to lend. Rates, payments, and results shown by any calculator or wizard on the Site are illustrative estimates only, based on the inputs provided, and are not quotes, pre-qualifications, pre-approvals, or offers.
We do not provide legal, tax, accounting, or investment advice. Consult your own qualified professional.
You must be at least 18 years old and legally able to enter into a contract to use the Services. The Services are intended for use in the United States. You may not use the Services if applicable law bars you from doing so, or if we have previously terminated your access.
Use of the Site alone does not create a service engagement. A processing engagement begins only when we and you agree in writing (including by email or a signed service agreement) on the scope, fees, and turnaround for a specific file or ongoing work. If a separate written service agreement exists between you and Stark Processing, that agreement controls where it conflicts with these Terms.
Fees for processing services are set out in your engagement, quote, or fee schedule. Unless stated otherwise there, invoices are due on receipt, and fees are earned for work performed regardless of whether a loan closes. We do not collect payment card or bank account information through this Site. You are responsible for any taxes other than taxes on our income.
You agree to:
Provide information and documents that are accurate, complete, current, and not misleading.
Obtain any consent or authorization required before sending us information about a borrower or other third party, and to have the legal right to share it.
Respond promptly to requests for missing documents or conditions, and to understand that turnaround times depend on your responsiveness and on third parties we do not control.
Keep your account credentials and upload links confidential, and notify us immediately of any unauthorized use.
Comply with all applicable laws, including RESPA, TILA, ECOA, the Fair Housing Act, GLBA, the TCPA, and applicable state licensing and mortgage laws.
You agree not to: submit false, fraudulent, or altered documents; impersonate any person or entity; upload malware or attempt to gain unauthorized access to the Site or our systems; scrape, crawl, or harvest data from the Site by automated means; interfere with or overload the Site; reverse engineer any part of the Services; or use the Services for any unlawful purpose.
You retain ownership of the documents and data you submit. You grant us a limited, non-exclusive license to store, process, transmit, and use those materials solely to perform the Services and as described in our Privacy Policy. We handle nonpublic personal financial information in accordance with the Gramm-Leach-Bliley Act and the safeguards described in that Policy. You are responsible for maintaining your own copies of anything you send us; we are not a records-retention service.
If you provide your mobile number and check the SMS consent box on one of our forms, you consent to receive SMS text messages from Stark Processing regarding loan processing updates, document extraction statuses, and account notifications.
Consent is not a condition of purchase or of receiving any service from us.
Message frequency varies depending on activity on your file.
Message and data rates may apply. Your mobile carrier’s standard rates apply.
Reply STOP to any message to opt out at any time. You will receive one confirmation message and no further texts unless you opt in again.
Reply HELP for assistance, or contact us at laurie@starkprocessing.com or (561) 374-4384.
Supported carriers include the major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
You must be the subscriber of, or the customary user with authority over, the mobile number you provide, and you agree to notify us if that number is reassigned.
We do not share mobile information or SMS opt-in data with third parties or affiliates for marketing or promotional purposes. See Section 5 of our Privacy Policy for the full mobile data-sharing exclusion.
By using the Services, you consent to receive communications from us electronically, by email, by SMS where you have opted in, and by notices posted on the Site. You agree that electronic communications, agreements, and signatures satisfy any legal requirement that such communications be in writing. You may withdraw this consent by contacting us, though doing so may prevent us from providing some Services.
The Site and its contents, including text, graphics, logos, layout, software, and the Stark Processing name and marks, are owned by us or our licensors and are protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-transferable license to access and use the Site for its intended purpose. You may not copy, reproduce, republish, frame, sell, or create derivative works from the Site without our prior written permission.
Each party agrees to keep the other’s non-public business information confidential and to use it only for the purposes of the engagement, except where disclosure is required by law or is necessary to perform the Services (for example, sharing a file with the lender you have engaged). This obligation survives termination.
The Site may link to or integrate with third-party services, including lender portals, hosting providers, analytics and advertising platforms, and document upload tools. We do not control those services and are not responsible for their content, availability, or practices. Your use of a third-party service is governed by that party’s own terms and privacy policy.
THE SITE AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CALCULATOR, ESTIMATE, OR RESULT PRODUCED BY THE SITE IS ACCURATE OR SUITABLE FOR YOUR CIRCUMSTANCES. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STARK PROCESSING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST BUSINESS, LOST DATA, OR A LOAN THAT FAILS TO CLOSE OR CLOSES LATE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US FOR THE SPECIFIC FILE OR ENGAGEMENT GIVING RISE TO THE CLAIM IN THE SIX MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow these limitations, so parts of this section may not apply to you.
You agree to indemnify, defend, and hold harmless Stark Processing and its officers, directors, employees, and contractors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: your use of the Services; information or documents you submit; your breach of these Terms or of any law; or your violation of the rights of any third party, including a borrower whose information you provided to us.
These Terms apply while you use the Services. We may suspend or terminate your access at any time, with or without notice, if we believe you have breached these Terms, if required by law, or to protect the Services or other users. You may stop using the Services at any time. Sections 6, 7, 10, 11, and 13 through 19 survive termination.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Before filing any claim, you agree to contact us at laurie@starkprocessing.com and attempt to resolve the dispute informally for at least thirty (30) days. Any dispute not resolved informally will be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the personal jurisdiction of those courts. Each party waives any right to a jury trial and to participate in a class or representative action, to the extent permitted by law.
We may update these Terms from time to time. The revised version is indicated by an updated “Last Updated” date and takes effect when posted. Material changes will be identified where required by law. Your continued use of the Services after a change takes effect means you accept the revised Terms.
These Terms, together with our Privacy Policy and any written service agreement between us, are the entire agreement on this subject. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between us. Neither party is liable for delays caused by events beyond its reasonable control.
Questions about these Terms:
From Stark to Finish Inc. (d/b/a Stark Processing)
115 Laurel Way
Royal Palm Beach, FL 33411
United States
Email: laurie@starkprocessing.com
Phone: (561) 374-4384
