HomeMortgageMatch.com - TERMS AND CONDITIONS ("the Terms of Use")

1. You should carefully read the Terms of Use before using Our Site. By using Our Site, and/or clicking "continue" on any page, you agree to be bound by the Terms of Use. This is a legally binding agreement. If you do not agree with the Terms of Use you should not use Our Site.

2. We agree to provide you access to Our Site in accordance with the Terms of Use.

3. You agree to use Our Site in a manner consistent with any and all applicable rules and regulations.

4. You accept that Our Site is provided on an "as is, as available" basis.

5. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON OUR SITE ARE FOR INFORMATION ONLY AND ARE NO SUBSTITUTE FOR SPECIFIC ADVICE.

6. YOUR ACCESS TO AND USE OF OUR SITE MAY BE TERMINATED AT ANY TIME FOR ANY REASON OR FOR NO REASON BY YOU OR BY US BY THE SENDING OF NOTICE TO THE OTHER PARTY.

7. WE MAY FOR MARKETING PURPOSES COLLECT, PROCESS AND TRANSMIT DATA OBTAINED FROM AND ABOUT YOU IN THE COURSE OF YOUR ACCESSING OUR SITE. WE WILL NOT RELEASE ANY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION TO ANY THIRD-PARTY EXCEPT WHERE REQUIRED BY LAW.

8. You may not modify, copy, distribute, republish or upload any of the material on our Site without our prior consent in writing. No intellectual property or other rights shall be transferred to you.

9. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS OUR SITE OR ANY WEB SITE WITH WHICH IT IS LINKED. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.

10. HomeMortgageMatch.com, its directors, affiliates, officers, employees, agents, contractors, successors and assigns do not accept any liability:

- for any investment or financial decisions made on the basis of this information. This web site does not constitute financial advice and should not be taken as such.

- HomeMortgageMatch.com urges you to obtain professional advice before proceeding with any investment or financial decision.

- for any damages or losses whatsoever, arising out of, or in any way related to, the use of this site and any other site lined to this site.

11. The limitation on liability contained in paragraph 4 applies to direct, indirect, consequential, special, punitive or other damages that you or others may suffer, as well as damages for loss of profit, business interruption or the loss of data or information.

12. HomeMortgageMatch.com is not a lender or mortgage professional

HomeMortgageMatch.com does not make loans or related credit decisions.

HomeMortgageMatch.com does not endorse or recommend products of any

particular Lender or mortgage professional.

HomeMortgageMatch.com is not an agent of you, the User, or any participating Lender or mortgage professional.

13. HomeMortgageMatch.com services are informational only. You should decide for yourself which loan product is best for you financially and personally. You agree that the mortgage professional is solely responsible for its services to you. You also agree that HomeMortgageMatch.com 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.

14. Lenders and mortgage professionals can offer their products as per licensing requirements by state. HomeMortgageMatch.com does not guarantee acceptance of the User into any loan program. HomeMortgageMatch.com does not guarantee specific loan terms and does not guarantee conditions with any participating Lender or mortgage professional. The User understands that an individual Lender establishes and maintains loan approval standards. HomeMortgageMatch.com does not guarantee that any of the participating lenders mortgage professionals participating on this web site offer the best terms or lowest rates available in the market.

15. The User understands that HomeMortgageMatch.com or any related material contained herein shall not constitute an offer or promise for a loan commitment or interest rate.

16. HomeMortgageMatch.com does not charge you, the User, a fee to use our service. Mortgage professionals and lenders pay HomeMortgageMatch.com for the goods, facilities and services provided. Your use of HomeMortgageMatch.com services constitutes your agreement with this compensation arrangement.

17. Where we provide hypertext links to other sites we do so for information purposes only, and such links are not endorsements by us of any products or services in such sites and we accept no liability nor make any endorsement or approval of the same.

18. The Terms of Use contain the entire understanding between us with respect of Our Site and no representation, statement, inducement oral or written, not contained herein shall bind either of us.

Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

This Agreement is governed by the laws of the State of North Carolina, without regard to principles of conflict of laws.

To the extent you have in any manner violated or threatened to violate HomeMortgageMatch.com and/or its affiliates' intellectual property rights, HomeMortgageMatch.com may seek injunctive or other appropriate relief in any state or federal court in the State of North Carolina, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Charlotte. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Charlotte, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.