TERMS OF USE AGREEMENT

THE NATURE OF MORTAGE-LOAN-CENTER

The Website acts solely as a source of financial information and an online marketplace for you to find and transact with other users, members, consumers or sellers (collectively referred to as the "Users") business transactions related to the products or services displayed on the Website. Mortgage-Loan-Center.com is not a broker, lender or seller. Mortgage-Loan-Center is not a party to any agreement you may make with a lender or broker with regard to any loan or other product or service available or advertised on the Website. Any information you provide to a lender or broker in connection with an application for a loan or other service remains with that lender or broker and is not transferred from said lender or broker to Mortgage-Loan-Center.com.

By using the Website, you agree that Mortgage-Loan-Center is not responsible and you agree that Mortgage-Loan-Center will bear no liability for any products, services, information or other materials displayed, purchased, or obtained by you from the Website. Nothing on the Website contains an offer, promise or otherwise from Mortgage-Loan-Center to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms. You acknowledge that Mortgage-Loan-Center is not a lender, broker or financial intermediary and that your ability to secure any loan or complete any transaction with any other User of this Website is solely a matter between you and said User.

Mortgage-Loan-Center does not endorse, warrant or guarantee the products or services of any User of the Website. Advertisers who choose to place advertisements on the Website are solely responsible for the content of their advertisements. As such, Mortgage-Loan-Center does not endorse, warrant or guarantee the products or services of companies placing advertisements on the Website.

Mortgage-Loan-Center is not liable for any delays, inaccuracies, errors or omissions with respect to the information posted on the Website, information submitted to the Website or the transmission or delivery of all or any part thereof. Mortgage-Loan-Center is not liable for any damage arising from use of the Website, any third party advertising or linked to Mortgage-Loan-Center, or for the results obtained from the use of the information provided. You assume complete risk as to the accuracy, completeness, validity and content of any information. All information on the Website is subject to change without notice.

LOAN INFORMATION INQUIRY SERVICES

When you complete a loan information request form at the Website, you may be matched with up to four lenders who may respond with loan offers. You represent that all of the information you have provided is true and complete. By submitting the loan information request, you authorize Mortgage-Loan-Center to provide your information to third party service providers and for them to share your information with participating businesses that provide products and services to facilitate fulfillment of your request, including but not limited to, participating lenders that offer the types of loan and financial products you identify in the loan information request process.

TERMS APPLICABLE TO LENDER SERVICES

Mortgage-Loan-Center is not a lender or broker and does not make loans or credit decisions in connection with loan information requests. Mortgage-Loan-Center does not endorse or recommend the products of any particular lender on the Website or the websites of third party service providers. Mortgage-Loan-Center is not an agent of either you or any participating lender. Mortgage-Loan-Center's services are intended for informational purposes only. You should rely on your own judgment in deciding which services and service providers advertising on the Website best suits your needs and financial means. In the case of loan offers provided by third party advertisers, the lender or broker advertising on Mortgage-Loan-Center is solely responsible for its services to you, and you agree that Mortgage-Loan-Center 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 third party services.

Mortgage-Loan-Center does not guarantee acceptance into any third party loan program or specific loan terms or conditions with any participating advertiser; loan approval standards are established and maintained solely by individual lender/broker/advertiser. Likewise, Mortgage-Loan-Center does not guarantee that the loan terms or rates offered and made available by participating service providers through this Website 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 to make a loan or to guarantee interest rates.

It is the sole responsibility of advertisers to comply with all State and Federal advertising regulations, including, but not limited to, licensed lender/broker laws.

Mortgage-Loan-Center does not charge you a fee to use our website. Mortgage-Loan-Center may indirectly be paid a fee by advertisers for the goods, facilities and services provided. Your use of this Website and/or Mortgage-Loan-Center's services constitutes your agreement with these compensation arrangements.

By hitting submit on any information request forms located on the Website, you understand and agree that you are submitting an inquiry for a product or service offered by third party providers who are advertising through the Website. By submitting the information request you are extending an express invitation to each of the advertisers/service providers that may make offers to contact you by telephone, email or US mail service based on the information you have provided for the express purpose assisting you with your transaction. Furthermore, you agree and consent to any such calls, regardless of whether or not you are listed on any Do Not Call list.

INDEMNITY

As a condition of use of this Website, and or Mortgage-Loan-Center services, you agree to indemnify and hold Mortgage-Loan-Center, its subsidiaries, affiliates, officers and employees, service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Website, the violation of this Agreement by you, or the infringement by you, or other user of the Website using your computer, of any intellectual property or other right of any person or entity. Even though prohibited by this agreement, Users may provide information that is offensive, false, harmful, or deceptive. Mortgage-Loan-Center and its service providers assume no responsibility whatsoever for such content or actions.

ERRORS, OMISSIONS AND DELAYS

Mortgage-Loan-Center is not responsible for any errors, omissions or delays in responding to an information request form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

DISCLAIMER

The services offered at this Website are provided "as-is", with no warranties of any kind, expressed or implied. In no event will Mortgage-Loan-Center or its affiliates be liable to any party for any direct, indirect, special or other consequential damages for use of or reliance upon the information found at this Website, or on any other website that is linked to Mortgage-Loan-Center, including, without limitation, lost profits, business interruption, loss of programs, data, or personal information, even if Mortgage-Loan-Center is expressly advised of the possibility of such damages.

NON-MORTGAGE-LOAN-CENTER LINKS

Mortgage-Loan-Center makes no representations, warranties or endorsements with respect to any website that may be accessed from the Website through links or advertisements. When you access a non-Mortgage-Loan-Center website through a link or advertisement on the Website, you agree and understand that Mortgage-Loan-Center has no control over the content or information at that site. Mortgage-Loan-Center cannot be held liable for any content or services offered or located on a third party site. It is your sole responsibility to protect your computer from viruses, worms, Trojan horse programs and other items of a destructive nature.

INTELLECTUAL PROPERTY RIGHTS

The Website contains trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by Mortgage-Loan-Center Inc. and its affiliated companies, including but not limited to, the registered mark "Mortgage-Loan-Center"; any unauthorized use is strictly prohibited and all rights are reserved by Mortgage-Loan-Center Inc. and its affiliated companies. Other products and company names mentioned in the Website may be the trademarks of their respective owners.



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