By using this website you agree that:
1. your use of this Web site is subject to and governed by these Terms of Use,
2. you will only access or use this Web site and transact business with us if you are at least 18 years old,
3. you will comply with and be bound by these Terms of Use as they appear on this Web site each time you access and use this Web site,
4. each use of this Web site by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
5. these Terms of Use are a legally binding agreement between you and 123Loans that will be enforceable against you.
You agree that you will not use or attempt to use this Web site for any purpose other than conducting mortgage banking related business with 123Loans as a bona fide client of 123Loans; you may not use or attempt to use this Web site or any part of this site for any purpose:
1. that interferes with or induces a breach of the contractual relationships between 123Loans and its employees,
2. that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
3. that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications,
4. that transmits any harmful or disabling computer codes or viruses,
5. that harvests e-mail addresses from this site,
6. that transmits unsolicited e-mail to this site or to anyone whose e-mail address included the domain name under on this Web site,
7. that interferes with our network services;
8. that attempts to gain unauthorized access to our network services,
9. that suggests an express or implied affiliation with 123Loans or broker relationship with 123Loans(without the express written permission of 123Loans),
10. that impairs or limits our ability to operate this Web site or any other person's ability to access and use this Web site, and/or
11. that uses any methods, means or devices to click on to this Web site or cause a visit to this Web site for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with 123Loans as a bona fide client of 123Loans.
ACCESS TO THIS WEB SITE
123Loans reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Web site.
USE OF THIS WEB SITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this Web site and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this Web site.
INTELLECTUAL PROPERTY RIGHTS
All marks used on this Web site are the property of their respective owners.
Web Page Content: You acknowledge and agree that:
1. all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this Web site (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
2. all rights associated with the Web Page Content are owned by 123Loans, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that 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 Web Page Content.
You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this Web site, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this Web site, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names,e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this Web site:
1. in or as any meta-tag or hidden text;
2. in or as part of any contextual marketing directory, index, or triggering term;
3. as content or advertising related to any other Web site including, but not limited to, comparative/informational Web sites; and/or
4. as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company's Web site or controls the content of any other Internet browser window.
Submissions: You acknowledge and agree that all submissions to 123Loans containing any comments, improvements, suggestions, and ideas regarding this Web site will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge 123Loans' unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.
Testimonials: You acknowledge and agree that all testimonials submitted to 123Loans will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to 123Loans 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 123Loans may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.
LINKING
Not Responsible For Links to Other Web sites: For your convenience, this Web site may provide links to other Web sites on the World Wide Web. Unless expressly stated otherwise on this Web site, 123Loans does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any Web sites to which this Web site may provide a link. By using this Web site you acknowledge and agree that 123Loans will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links. 123Loans does not permit third-party advertising on this Web site. Except with the written permission of 123Loans, you agree that you will not create links from any Web site or Web page to this Web site or any Web page within this Web site.
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 Web site at the time you access this Web site. 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 Web site are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President of 123Loans.
USER IDs AND PASSWORDS
Certain areas or features of this Web site may be restricted to users who have obtained a user identification and password by completing a registration process described on this Web site. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this Web site. You agree to notify 123Loans immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this Web site by any person to whom you have provided your user identification, 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 Web site that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
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