The Network Site Owners may make changes at any time to the Network Sites or these Terms of Use. Any modifications to these Terms of Use will be effective upon posting. Your continued use of the Network Sites following the posting of any revised Terms of Use will constitute your acceptance of and agreement to be bound by the modified Terms of Use.

Use of Site
You may use the Site as a resource for information and to access and facilitate your permitted use of the Site. Consistent with the terms set forth above, you may download, view, copy and print information, documents and other materials on or from the Site (i) solely for personal, informational, and non-commercial purposes; and (ii) provided that neither the materials, nor any proprietary notices therein, are modified or altered.

You agree to access the Network Sites through a web browser, and specifically agree not to use any third party applications to access the Network Sites, any page of the Network Sites or any linked Web Site. You further agree that you will not use any robot, spider or other automatic device, manual process or application to access, monitor, copy or use the Network’s Web Sites or any linked Web Site. You agree not to take any other action that imposes an unreasonable or disproportionate large load on the Network’s Web Sites or any linked Web Site.

Unauthorized Use of the Network’s Web Sites
The Network Site owners and operators reserve the right to investigate and take legal action against any illegal and/or unauthorized use of the Network’s Web Sites including but not limited to, unauthorized access to the Network’s Web Sites through a third party application, robot, spider, automated devise, or other unauthorized means, interference with the Network’s Web Sites, action that imposes an unreasonable load on the Network’s Web Sites, or link to any page of the Site other than the home page. The Network Site owners and operators decision not to pursue legal action for any violation of the Terms of Use shall not be construed as a waiver of the Terms of Use or The Network Site owners and operators legal rights.

Passwords
You acknowledge you are fully responsible for all activities which occur through the use of the password you are granted upon registering to use any portion of the Site, including, but not limited to, Financial Loan Applications and the Network’s Web Sites.

If a password is required for any particular portion of the Site, or to gain access to particular information, you agree not to access or attempt to access without an authorized password or through any means other than by submitting your authorized password on the appropriate web page or web tools.

Proprietary Rights
Nothing in these Terms of Use shall be deemed to grant to you or any other user any license or right in or to any patent, copyright, trademark, trade secret or other proprietary right of The Network Site owners or any other entity that has licensed such property for The Network Site owner’s use on the Site.

Children
In compliance with the Children's Online Privacy Protection Act, 15 U.S.C. §§ 6501-06 and 16 C.F.R. §§ 312.1-312.12, The Network Site owners do not permit children under 18 years of age to become users of the Site. By using the Site, you represent and certify that you are not under 18 years of age.

Feedback
Except where expressly provided otherwise by The Network Site owners, all comments, feedback, information or materials submitted to The Network Site owners through or in association with the Site (collectively, "Feedback") shall be considered non-confidential and The Network Site owner’s property. By submitting such Feedback to us, you agree that you assign to us, without charge, all worldwide rights, title and interest, including copyrights and other intellectual property rights, in and to the Feedback. We shall be free to use such Feedback on an unrestricted basis.

Third Party Advertisements and Links
Site users acknowledge that The Network Site owners provide to you a free service supported by sponsors and that, at any time, We may display on this web site advertisements from sponsors, such as banner advertisements and pop-up texts, and links to third party sites. The Network Site owners are not responsible for the contents of such advertisements or links, any products, services or other materials relating to such advertisements, any linked site, or any link contained in a linked site. The display of any advertisement or link does not imply endorsement by The Network Site owners of the advertisement or linked site. IN NO EVENT WILL WE BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGE OR LOSS ARISING FROM OR RELATING TO ANY USE, CONTINUED USE OR RELIANCE ON ANY ADVERTISEMENT DISPLAYED ON OUR WEB SITE, ANY PRODUCTS, SERVICES OR OTHER MATERIALS RELATING TO ANY SUCH ADVERTISEMENT, ANY LINKED THIRD PARTY SITE, OR ANY LINK CONTAINED IN A LINKED SITE.

Promotional Mailings and Newsletters
You agree to receive occasional promotional mailings and e-mail newsletters (i) relating to the Network Sites; and (ii) network participants engaged in servicing your requests.

Privacy

This section discloses our information gathering and dissemination practices for our network websites:

We use your IP address to help diagnose problems with our server, and to administer our Web site. This gives us an idea of which parts of our site users are visiting. We do link IP addresses to anything personally identifiable. This means that a users session will be tracked, but the user will be anonymous* but users submitting forms for information requests WILL have their IP captured for security and verification purposes.

Our site uses a form for customers to request information and services.

We collect visitor's contact information (like your email address) and nonpublic personal information (for example: account balances, payment history, available down-payment, source of funds, Income, Debts, Social security numbers and dates of birth) about you from the following sources: (i) information we receive from you on applications or other forms submitted by you in accordance with the terms of use policy.  

The submission of any information, including Non public financial information by you is completely voluntary.  By submitting a request with non-public financial data, you are authorizing its release to our network participants in accordance with our policies.  You are also requesting telephone and email contact even if you are on any "do not call" or "do not solicit" lists.

Your contact information is used to get in touch with you when necessary.

Financial information and other Non public financial information that is collected is used to check the your qualifications, it is shared with our affiliates and their correspondent banks, mortgage, and other service providers to the extent necessary to obtain your loan and/or any other services necessary or requested by you. 

We are a mortgage aggregation and lead generating service.  Mortgage loans are referred to lenders and brokers in our participating network.  We operate in the USA only.  Canadian and UK visitors are referred to lenders in their countries.

We are a 100% advertiser supported loan search engine. We are not a lender or broker.

When you choose to inquire with lenders or brokers who advertise on our network of sites, your information will be released to them.  Advertisers are solely responsible for keeping their information current. Rates, points and programs cannot be guaranteed and are subject to change without notice.

Additional Disclosure of Data
You agree The Network Site Owners may disclose to third parties any Data you store on the Site upon order of court, administrative or regulatory body or other tribunal of competent jurisdiction, or as otherwise required by law. In that event, The Network Site Owners will provide you notice of such disclosure to the extent possible and permitted by law.

Disclaimer of Warranties

The Network Site Owners shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this website, including, without limitation to, any agent referrals, loan recommendations, application, approval, prequalification, loan or interest rate analysis. Nothing on this website contains an offer, promise or otherwise, either to make a specific loan or that any participating lender will make any loan for any purpose or on any specific terms.

Lenders and brokers who advertise their services on with us are wholly responsible for maintaining their information, posting accurate rates and keeping their information updated. The network and site owners do not endorse, warrant or guarantee service or products of any lender or broker.

We do not guarantee and make no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

Rates and APR's, if posted, are based on loans of $150,000 for Conforming Loans and $300,701 for Jumbo Loans. All loans shown are based upon a 30 Day Lock (if applicable). We shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender will make any loan for any purpose or on any specific terms.

Information Is Not Warranted or Guaranteed In Any Way. We do not warrant or guarantee, express or implied, the accuracy, adequacy, quality, currentness, validity, completeness, or suitability of any Information for any purpose.
 

Limitation of Liability
No site owner liability. In no event shall the site owners be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the Information or the transmission or delivery of all or any part thereof, for any damage arising there from or occasioned thereby, or for the results obtained from the use of the Information. The site owners will not be responsible if any information infects or contaminates a user's system or information. The entire risk as to the quality and performance of the network sites and the accuracy, adequacy, completeness, correctness, validity and quality of any Information is with the user. In no event will the site owners be liable to any party for any direct, indirect, special, punitive or consequential damages (including, but not limited to, damages for loss of business profits, business interruption, loss of programs or information, and the like), or any other damages arising in any way out of the availability, use, reliance on, or inability to use the network sites or any 'information', even if the site owners shall have been advised of the possibility of such damages or is negligent, and regardless of the form of action, whether in contract, tort, or otherwise; or (ii) for any claim attributable to errors, omissions, or other inaccuracies in, or destructive properties of any 'information.'

Indemnification
You agree to indemnify and hold the network site owners, its subsidiaries, affiliates, officers, directors, agents, employees and representatives, and each of their subsidiaries, affiliates, officers, directors, agents, employees and representatives, from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including without limitation reasonable attorneys' fees and disbursements and court costs) arising from or in connection with your use of the network sites any Data you store, retrieve or share on, to or via the network sites; your violation of these Terms of Use; or your violation of any rights of any third party.

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact us via the number above, the contact us form or write to us at 640 South Miami Avenue, Suite 1000 Miami, Florida 33130