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Terms of Use



This site and the materials and information on this site are provided by Mortgage Loan Request ("Mortgage Loan Request" or "we") and may be used for informational purposes only. By using this site, you represent that you have read and understand these terms and conditions and agree to be bound by these terms and conditions. Furthermore, by using this site, you represent that (i) you have the capacity to be bound by these terms and conditions and (ii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity.

If you do not agree to these terms and conditions, do not use this site or download any materials from this site.

Mortgage Loan Request may amend or revise these terms and conditions at any time. By using this site, you agree to be bound by these terms and conditions as in effect from time to time. Please review these terms and conditions regularly. Your continued access and use of www.mortgageloanrequest.com following the posting of any such changes shall automatically be deemed your acceptance of the same.


Disclosure

Mortgage Loan Request does not act in the capacity as a lender or mortgage broker in any transaction. Any credit decisions, approvals, loan terms and rates offered, are the sole responsibility of the mortgage lenders and brokers that are participating, and vary according to your loan request and is determined by the mortgage lenders and brokers that you are matched with. Not all consumers will be matched with the advertised rates and loan terms. You may not always be matched with a mortgage lender or broker, and we make no warranty that any broker or lender will present you with a loan offer. Mortgage Loan Request, simply matches borrowers with lenders, so that multiple loan offers may be made through out network of non-affiliated mortgage lenders and brokers.


Fees to Use Our Services

There are no fees to submit a Mortgage Loan Request through our network, in order to be matched with lenders and receive loan offers. You may review and consider the loan offers made by the mortgage lenders and talk with them at no cost. Lenders may charge a fee to process a loan, if you decide to accept their offer, but it varies from lender to lender, and some may charge no fees whatsoever. Until you agree to accept a mortgage loan offer and pay a loan processing fee to the mortgage lender or broker (if any is required), you may shop the lenders at no cost. Mortgage Loan Request does not receive any loan processing fees charged by lenders.

There are no fees to search the homes listed within our network. There are also no fees to search our network of realtors and contact them.


Ownership of Materials

Except as otherwise indicated, this site and its entire contents (collectively, the "Materials"), including, but not limited to, the text, information, material, software and graphics contained on this site, are owned by Mortgage Loan Request and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. Viewing, reading, printing, downloading or otherwise using the Materials does not entitle you to any ownership or intellectual property rights to the Materials. Mortgage Loan Request makes no proprietary claim to any third-party names, trademarks or service marks appearing on this site. Any third-party names, trademarks, and service marks are the properties of their respective owners.

You shall be solely responsible for any damage resulting from your infringement of Mortgage Loan Request's intellectual property rights regarding service marks, and/or the Materials, and/or any other harm incurred by Mortgage Loan Request or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of these terms and conditions.

Except as provided in the next sentence, the Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way without Mortgage Loan Request's prior written permission. You may download one (1) copy of the Materials on a single computer only for your personal, noncommercial, internal use. You may not (i) modify the Materials or use them for any commercial purpose, or any other public display, performance, sale, or rental, (ii) decompile, reverse engineer, or disassemble software materials, (iii) remove any copyright notice or other proprietary notices from the Materials, or (iv) transfer the Materials to another person.

By posting a message or contributing in anyway to this site, including, but not limited to, sending comments and e-mail, to this site, you expressly grant Mortgage Loan Request the right to use in any way, copy, republish or sell your message or other contribution as part of its property.

Mortgage Loan Request reserves the right to change, update, discontinue, or restrict or prevent access to this site or the Materials at any time without notice.


Your Access and Use of this Site

You are only entitled to access and use www.mortgageloanrequest.com for lawful purposes and pursuant to these terms and conditions and our Privacy Policy. Your access and use of www.mortgageloanrequest.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of www.mortgageloanrequest.com or other actions that Mortgage Loan Request, in its sole discretion, may elect to take. Mortgage Loan Request reserves the right to suspend or discontinue the availability of www.mortgageloanrequest.com and/or any portion or feature of www.mortgageloanrequest.com for access and use at any time in its sole discretion and without prior notice.

Mortgage Loan Request makes no representation, warranty or guarantee that the Materials that may be available for downloading from www.mortgageloanrequest.com is free of infection from any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.


Your Compliance with These Terms and Conditions

Any action by you that, in Mortgage Loan Request's sole discretion, (i) violates these terms and conditions and/or our Privacy Policy, (ii) restricts, inhibits or prevents any access, use or enjoyment of www.mortgageloanrequest.com, or (iii) through the use of www.mortgageloanrequest.com, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use www.mortgageloanrequest.com. You shall not metatag, provide links to, or frame www.mortgageloanrequest.com without the prior express written permission of Mortgage Loan Request


Disclaimer and Limitation on Liability

BY USING THIS SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE AND THE INTERNET GENERALLY. THE MATERIALS ARE PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FREEDOM from ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. IN NO EVENT SHALL Mortgage Loan Request BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING from LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED SITE, EVEN IF Mortgage Loan Request OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This site is intended to assist visitors by providing financial data, research and editorial information on financial products. Mortgage Loan Request will not be responsible for any errors or omissions in the Materials or information provided on this site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this site or in a hyperlinked site.

This site provides information and advice based on our editorial content and advice of financial professionals. While Mortgage Loan Request believes such information and advice to be reliable, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on this site is intended only to assist you with financial decisions. However, by nature such information is broad in scope and does not consider your personal financial situation. Your financial situation is unique and our information and advice may not be appropriate for your situation. Accordingly, Mortgage Loan Request recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this site. Any reliance by you on any information or advice will be at your own risk. You are responsible for your own financial decisions.


Links to Third-Party Sites

This site contains links to third-party sites. These links are provided for convenience purposes and are not under the control of Mortgage Loan Request Mortgage Loan Request does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by Mortgage Loan Request with respect to any third party, any third party's site, the content of any third party's site, or any products or services provided by a third party.


Your Indemnification of Mortgage Loan Request

You shall defend, indemnify and hold harmless Mortgage Loan Request and its officers, directors, partners, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (i) any breach or violation of these terms and conditions by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested pursuant to registration; (iii) your access or use of www.mortgageloanrequest.com; and/or (iv) access or use of www.mortgageloanrequest.com under any password that may be issued to you.


Governing Law; Arbitration

These terms and conditions are governed by and construed in accordance with the internal laws of the State of New Jersey, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to these terms and conditions, except for an injunctive action regarding a breach or threatened breach of any provision of these terms and conditions by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Camden County, New Jersey. You and Mortgage Loan Request shall select the arbitrator, and if you and Mortgage Loan Request are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Mortgage Loan Request and your and Mortgage Loan Request's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Mortgage Loan Request be entitled to punitive damages and both you and Mortgage Loan Request hereby waive your and Mortgage Loan Request's respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.


Miscellaneous

If any portion of these terms and conditions is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these terms and conditions as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these terms and conditions that is unlawful, void or unenforceable shall be stricken from these terms and conditions.

The headings contained in these terms and conditions are for convenience of reference only, are not to be considered a part of these terms and conditions, and shall not limit or otherwise affect in any way the meaning or interpretation of these terms and conditions.

All covenants, agreements, representations and warranties made in these terms and conditions, as may be amended by Mortgage Loan Request from time to time, shall survive your acceptance of these terms and conditions and the termination of these terms and conditions.

These terms and conditions and our Privacy Policy located at the URLS www.mortgageloanrequest.com/tos.html and www.mortgageloanrequest.com/privacy.html represent the entire understanding and agreement between you and Mortgage Loan Request regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

 

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