Agreement to Terms of Use
Please carefully read the following terms and conditions
of use (the “Terms of Use”) of this web
site (the “Site”) as they govern your use
of the Site. Please review the Terms of Use each time
you visit or use the Site because LendEthics, LLC,
an Arizona limited liability company (the “Company”)
may amend the Terms of Use at any time without notice.
By entering or using the Site, you agree to comply
with, and agree to be bound by, the Terms of Use, as
they may be modified from time to time. If you do not
agree with these Terms of Use, please do not access
the Site.
Terms Applicable to All Loan Services
You should rely on your own judgment in deciding which
available loan product best suits your needs and financial
means. The lender is solely responsible for its services
to you, and you agree that the Company shall not be liable
for any damages or costs of any type arising out of or
in any way connected with your use of such services.
You understand that lenders may keep your loan request
form, whether or not you are qualified for a loan with
them.
The Site and the services provided by the Company herein
are available only in connection with (a) mortgage loans
made on real property located in the fifty states and
the District of Columbia, unless otherwise specified,
and (b) non-mortgage loans made to citizens and residents
of the United States. The Company and/or the participating
lenders expressly reserve the right to discontinue, suspend,
or terminate the offering of any loan product in any
specific state through the Site.
The Company does not guarantee acceptance into any particular
loan program or specific loan terms or conditions with
any participating lender. Further, the Company does not
guarantee that the loan terms or rates offered and made
available by participating lenders through the Site are
the best terms or lowest rates available in the market.
Unless expressly stated in writing, nothing contained
herein shall constitute an offer or promise for a loan
commitment or interest rate lock-in agreement.
By hitting submit or requesting to be matched with lenders
under any program available through the Site, you understand
and agree that you are submitting an inquiry as to a
lending product with the Company and each of the lenders
to whom your loan request is transmitted. By submitting
the loan request containing your electronic signature,
you are extending an express invitation to each of the
lenders making you loan offers to contact you by telephone,
e-mail, or certified or registered mail, so that they
may assist you with your transaction, and you hereby
consent to any such telephone calls even if your phone
number is on any “Do Not Call” list. By saving
your information with the Company and/or submitting a
loan request, you give the Company permission to make
recorded calls to remind you of any deadlines or issues
in connection with your loan request.
Prohibited Acts
You agree not to access the Site in any way in order
to: (a) upload, post, email, or otherwise transmit in
any way any data, software, or other material that contains
any computer code, files, or programs designed to interrupt,
destroy, or limit the functionality of any computer software
or hardware or telecommunications equipment; (b) violate
any applicable international, federal, state, or local
law or regulation; or (c) download, obtain, sell, distribute,
or incorporate into any email or other products or services,
any private data, either manually or through automated
means, from the Site or any of the Company’s databases.
Representations
In connection with your access to and use of the Site,
you represent and warrant that: (a) you are at least
18 years of age; (b) your access to and use of the Site
does not violate the Terms of Use, any laws or rules
of the jurisdictions from which you use or access the
Site, or any other applicable laws and regulations; (c)
any information provided by you to the Company is true
and correct; and (d) you possess the legal right and
ability to agree to these Terms of Use and to use the
Site in accordance with these Terms of Use.
Creating an Account
By creating an account or otherwise registering with
the Site, you understand that you have established a
business relationship between you and the Company, the
owner of the Site. As such, you agree that. the Company
may contact you using information you provided with offers
for products or services that are available through the
Company. You hereby consent to any such communication.
In addition, each lender in which you come into contact
with as a result of your use of the Site may contact
you with offers for products or services that they provide.
If, at any time, you desire to “opt-out” or “unsubscribe” from
receiving ongoing communications from lendethics, please
email us at remove@lendethics.com. please note that to
opt out or unsubscribe from receiving communications
from lenders in which you come into contact with as a
result of your use of the site, you will need to conact
the individual lenders.
Site Content
The Site and all content, including all images, graphics,
data, text, links, design, technical information and
transmissions, and any other matters related to the Site
(the “Site Content”) are and remain the sole
and exclusive property of the Company and are protected
under copyright, trademark, and other proprietary rights
laws. The Company grants you a limited, nonexclusive,
non-transferable license to view, print and download
the Site Content for your own personal use only. Any
copying, redistribution, use, publication by you, of
the Site Content, for any other purpose, is strictly
prohibited.
Indemnification
By accessing or using the Site, you agree to indemnify,
defend, and hold the Company and any of its affiliates,
shareholders, members, partners, directors, managers,
officers, employees, agents, suppliers, and attorneys
(collectively, the “Indemnified Parties”)
harmless for, from and against any and all liabilities,
losses, claims, damages, and expenses, including, without
limitation, attorneys’ fees, related to your
(i) failure to comply with any of these Terms of Use,
or (ii) use or misuse of the Site.
Disclaimers
THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS AND IMPLIED,
INCLUDING, ANY AND ALL IMPLIED WARRANTIES OF NON-INFRINGEMENT,
MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.
ALTHOUGH THE CONTENT OF THE SITE MAY BE UPDATED FROM
TIME TO TIME, IT MAY BE OUT-OF-DATE AND/OR MAY CONTAIN
INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DOES
NOT MAKE ANY REPRESENTATION OR WARRANTY REGARDING THE
COMPLETENESS, ACCURACY, RELIABILITY, TIMELINESS, OR APPROPRIATENESS
OF ANY INFORMATION OR SERVICE PROVIDED BY THE COMPANY
OR INDIVIDUALS THAT PROVIDE REVIEWS OR COMMENTS IN A
SURVEY PROVIDED BY THE COMPANY, NOR WILL IT BE RESPONSIBLE
FOR OR BE DEEMED TO BE COMMITTED TO THE TERMS OR INFORMATION
CONTAINED ON THE SITE, WHETHER SUCH INFORMATION IS ACCURATE
OR INACCURATE. POSTINGS ARE MADE AT SUCH TIMES AS DETERMINED
BY THE COMPANY IN ITS SOLE AND ABSOLUTE DISCRETION. YOU
SHOULD NOT ASSUME THAT THE INFORMATION CONTAINED ON THIS
SITE HAS BEEN UPDATED OR OTHERWISE CONTAINS CURRENT INFORMATION.
THE COMPANY DOES NOT REVIEW PAST POSTINGS TO DETERMINE
WHETHER THEY REMAIN ACCURATE, AND INFORMATION CONTAINED
IN SUCH POSTINGS MAY HAVE BEEN SUPERSEDED.
THE COMPANY WILL NOT BE RESPONSIBLE FOR NOR WILL IT
HAVE ANY LIABILITY RELATED IN ANY WAY TO YOUR INABILITY
OR FAILURE (FOR ANY REASON WHATSOEVER) TO ACCESS THE
SITE OR OTHERWISE USE OR RECEIVE INFORMATION FROM OR
REGARDING THE SITE.
NEITHER THE COMPANY NOR ANY OF ITS AFFILIATES, SHAREHOLDERS,
MEMBERS, PARTNERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES,
AGENTS, SUPPLIERS, OR ATTORNEYS SHALL HAVE LIABILITY
FOR YOUR USE OR ACCESS TO THE SITE. NEITHER THE COMPANY
NOR ANY OF ITS AFFILIATES, SHAREHOLDERS, MEMBERS, PARTNERS,
DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS,
OR ATTORNEYS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT,
SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER
BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT,
OR OTHERWISE, EVEN IF YOU ADVISE THE COMPANY OF THE POSSIBILITY
OF SUCH DAMAGES.
Links
The Site may contain links to other web sites. The Company
is not responsible for and does not investigate or monitor
the content, accuracy, or opinions expressed in such
web sites. Your access to these third-party sites is
at your own risk. Inclusion of links to other web sites
does not imply approval or endorsement of the linked
web site by the Company. You may only make links to the
Site available on other web sites with the Company’s
prior, express, and written consent.
Miscellaneous
These Terms of Use and your use of the Site shall be
governed by and construed in accordance with the laws
of the State of Arizona, without regard to conflicts
of law principles.
Any cause of action by you against the Company concerning
the Site must be instituted within one (1) year after
the cause of action arose or be forever barred. All legal
proceedings arising out of, or in connection with, the
Site shall be brought only in a federal or state court
of competent jurisdiction located in Maricopa County,
Arizona.
If any term of these Terms of Use is declared unlawful,
void, or for any reason unenforceable in any jurisdiction,
then such term will be deemed severable from the remaining
terms in that jurisdiction and will not affect the validity
and enforceability of such remaining terms.
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