MortgageSum Terms and Conditions

This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability. 

Your Compliance with this Agreement

You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity.  In order to determine your compliance with this Agreement, your access of the Site may be monitored and used in accordance with the Site’s Privacy Policy.

Your Access and Use of the Site

Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of this Agreement and the Site’s Privacy Policy.

Your access and use of the Site 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 the Site or other actions that are taken. The right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time and without prior notice is hereby reserved.

Any action by you that: (i) violates the terms and conditions of this Agreement and/or the Site’s Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site.  You shall not metatag, provide links to or frame the Site without prior express written permission.

Public Forums

The Site may act as a venue, through its chat rooms, bulletin boards and other forums (collectively, the “Forums”), allowing the public to contribute information and make statements. The actual transmission of information and statements provided for in the Forums is independent of the Site and therefore there is no approval or endorsement of any information or statements in the Forums. You hereby acknowledge and agree that the quality, correctness, timeliness, safety, truth, accuracy or legality of any information provided for by you or any other person or entity in the Forums will not be controlled.  You may find information posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive.  Please use caution and common sense, and do not rely solely on information or statements published in the Forums.  Without limiting the generality of the foregoing, and although information provided for in the Forums is not regularly reviewed, the right, but not the obligation, to remove or edit any information in the Forums is hereby reserved.

Transmissions, Submissions and Postings to the Site

If you transmit, submit or post information to the Site that is not Federally trademarked and/or copyrighted, you automatically grant a worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below).  Provided that you have obtained prior written permission to transmit, submit or post information to the Site that is Federally trademarked and/or copyrighted, you automatically grant a worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.

You shall not transmit, submit or post the following to the Site:

  • Information that infringes any party’s copyright, patent, trademark, trade secret or other proprietary rights;
  • Information that violates any law, statute, ordinance or regulation;
  • Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to any party or that infringes on any party’s rights of publicity or privacy;
  • Information that contains 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;
  • Information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam”;
  • Information that is false, inaccurate or misleading;
  • Commercial advertisements or solicitations without written permission; or
  • Federally Trademarked and/or Copyrighted information without written permission.

Although your transmissions, submissions or postings are not regularly reviewed, the right (but not the obligation) to edit, refuse to post or remove your transmissions, submissions or postings is hereby reserved.  Pursuant to the Site’s Privacy Policy, transmissions, submissions or postings made by you may be reviewed to determine your compliance with this Agreement.

Intellectual Property Rights

The names "MortgageSum.com", and the Site’s graphics, logos, page headers, button icons, scripts, and service names are licensed trademarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”).  You may not use the Proprietary Marks without prior express written permission, which permission may be withheld.  Any third-party names, trademarks, and service marks are property of their respective owners and therefore there is no proprietary claim to any third-party names, trademarks or service marks appearing on the Site.

The information, advice, data, software and content viewable on, contained in, or downloadable from, the Site (collectively, the "Content"), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons, renditions and floor plans, are copyrighted, or otherwise licensed.  A copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the “Collective Work”) is also owned. All software used on the Site (the “Software”) is protected by United States and international copyright laws.  Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software. 

You shall be solely responsible for any damage resulting from your infringement of any party's intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred 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 this Agreement.

Your Use of the Content

You are granted a limited license to access, print, download or otherwise make personal use the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity.   

Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission, which permission may be withheld for any reason.

You may not use any meta tags or any other “hidden text” utilizing the name or trademarks without express written permission, which permission may be withheld for any reason.

Access and Interference

The Site contains robot exclusion headers.  You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without express written permission which may be withheld for any reason.  Additionally, you agree that you will not: (i) take any action that imposes, or may impose an unreasonable or disproportionately large load on the Site’s infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from the Site without the prior written permission or the permission of the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iv) bypass the Site’s robot exclusion headers or other measures that are used to prevent or restrict access to the Site.

Electronic Communications

When you visit the Site or send email through the Site, you are communicating electronically. You consent to receive communications electronically.  Although communication with you may be done by regular mail, communication with you may be done by e-mail or by posting notices on the Site.  You agree that all agreements, notices, disclosures and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.

Your Responsibility for Equipment and Related Costs

You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of the Site.

Third Party Links

There may be provided on the Site links to other Web sites belonging to advertisers, business partners, affiliates and other third parties.  Such links do not constitute an endorsement of those Web sites, nor the products or services listed on those Web sites.  There shall be no responsibility for the activities or policies of those Web sites.  There is no endorsement or recommendation as to the products of any particular advertiser, business partner, affiliate or other third party.  There is no guarantee that the loan terms or rates offered by any particular advertiser, business partner, affiliate or other third party on the Site are the best terms or lowest rates available in the market.

MortgageSum is not acting as a lender or a broker. The information provided by you to MortgageSum is not an application for credit or a mortgage loan and the information will not be used to pre-qualify you with any lender. MortgageSum will not check your credit history or verify the information you provide.  If you are contacted by a lender or broker within our network, that lender or broker may provide a rate quote based on property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors.  MortgageSum does not distribute the products of all lenders or brokers in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market.

Copyright Infringement

Our policy is to comply with the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws.  In appropriate circumstances, the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of any party shall be disabled and/or terminated.

Pursuant to Title 17, United States Code, Section 512(c)(3), to be effective, the Notification must include the following:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner (“Complaining Party”) of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single Notification, a representative list of such works at that site;
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the location of the material;
  4. Information reasonably sufficient to permit the Complaining Party to be contacted, such as an address, telephone number, and if available, an electronic mail address at which the Complaining Party may be contacted;
  5. A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement that the information in the Notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Upon receipt of the written Notification containing the information as outlined in 1 through 6 above, and pursuant to Title 17, United States Code, Section 512:

  1. The material that is alleged to be infringed upon will removed or access to such material will be disabled;
  2. Written Notification will be forwarded to the alleged infringer ("Subscriber"); and
  3. Reasonable steps will be taken to promptly notify the Subscriber that the material has been removed or access to such material has been disabled.

Counter Notification:

Pursuant to Title 17, United States Code, Section 512(c)(3), a Subscriber may counter a Notification by providing a written communication (“Counter Notification”) to the designated agent that includes substantially the following:

  1. A physical or electronic signature of the Subscriber;
  2. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  3. A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
  4. The Subscriber's name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber's address is outside of the United States, for any judicial district in which our headquarters are located, and that the Subscriber will accept service of process from the person who provided the Counter Notification or an agent of such person

Upon receipt of a Counter Notification containing the information as outlined in 1 through 4 above, and pursuant to Title 17, United States Code, Section 512:

  1. The Complaining Party will be promptly notified with a copy of the Counter Notification;
  2. The Complaining Party will be informed that the removed material will be replaced or access to the removed material will be restored within ten (10) business days; and
  3. The removed material will be replaced or access to the removed material will be restored not less than ten (10), nor more than fourteen (14) business days following receipt of the Counter Notification, provided the designated agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain the Subscriber from engaging in infringing activity relating to the removed material on the network or system.

No Representations or Warranties Regarding the Content

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE PROVIDED TO YOU ON AN "AS-IS" AND “AS AVAILABLE” BASIS. NO REPRESENTATIONS OR WARRANTIES ARE MADE OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK.

NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE HEREBY MADE. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE 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 IS HEREBY MADE.

The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation.  Accordingly, before making any final decisions or implementing any financial strategy, you should obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.

Limitations on Liability

IN NO EVENT SHALL WE BE RESPONSIBLE TO, OR LIABILE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT; (II) YOUR ACCESS AND USE OF THE SITE; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE THE SITE FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; (V) YOUR RELIANCE UPON OR USE OF THE CONTENT OR THE COLLECTIVE WORK, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF WE AND/OR OUR SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages.  If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

Indemnification

You shall defend, indemnify and hold harmless all affiliates of this Site, including officers, directors, shareholders, 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 this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required; (iii) your access or use of the Site; and/or (iv) access or use of the Site under any password that may be issued to you.

Amendments of this Agreement

The right to update, amend and/or change this Agreement at any time and without notice is hereby reserved. Updates to this Agreement will be posted here. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The last update to this Agreement was August 11, 2006. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Remedies

You acknowledge that we may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, we shall be entitled, in addition to all other rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement.  For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Palm Beach County, Florida, or the United States District Court, Southern District of Florida. You consent to the jurisdiction of such court and waive any objection to the laying of the venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.

Governing Law; Arbitration

This Agreement is to be governed by and construed in accordance with the internal laws of the State of Florida, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Agreement, except for an injunctive action regarding a breach or threatened breach of any provision of this Agreement 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 Palm Beach County, Florida.

THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING THE SITE YOU CONSENT TO THESE RESTRICTIONS.

The parties shall select the arbitrator, and if the parties 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. 
Should a Dispute or any lawsuit arise and should the arbitration provisions herein become inapplicable or unenforceable, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Palm Beach County, Florida.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon the parties and their 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 party be entitled to punitive damages and both parties hereby waive their 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 this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

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

All covenants, agreements, representations and warranties made in this Agreement, as may be amended from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement and the Site’s Privacy Policy located at the URL http://www.mortgagesum.com/privacy.php represent the entire understanding and agreement regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

If you have questions, comments, concerns or feedback regarding this Agreement or the Site, please contact us.

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