Terms & Conditions

Terms & Conditions

Agreement between user and Mortgageloanamerica.com.

THE FOLLOWING AGREEMENT (the “Agreement”) governs your use of the Mortgageloanamerica.com Website (the “Website”). The Mortgageloanamerica.com Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Mortgageloanamerica.com Website constitutes your agreement to all such terms, conditions, and notices.

We may change the Terms and Conditions from time to time, and at any time without notice to you, by posting such changes on the Website. By using the Website following any modifications to the Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions.

If you do not agree to be bound by the Agreement, you may not use the services provided on the Website.

You may only use the Website if you are 18 years old or older and if you live in the United States.

Services Offered on the Website

The Website provides a service primarily from google ads, that run throughout the top of our site, tables powered by Informa Research Services, Mortgage Loan America makes money from click thoughs on ads. We are not paid by any lenders or brokers directly. We do not have partnerships with any lenders or brokers. We do not receive any type of commissions or receive any sort of fee for lenders to appear on our site, for loan applications, or for funding etc. We are only compensated for click throughs on the google ads and on the “local rate search” tables.

Mortgageloanamerica.com is not a broker, seller, or a lender, and does not make loans or obtain your credit report. Mortgageloanamerica.com is not a party to any agreement you may make with a lender or broker with regard to any loan product or other product or service. Any information you provide to a broker or a lender in connection with your application remains with that lender or broker and is not transferred from such lender or broker to Mortgageloanamerica.com. You acknowledge that Mortgageloanamerica.com is not a lender, broker or financial intermediary and that your ability to secure any loan or consummate any transaction with any other user of this Website or the Service is solely a matter to be resolved between you and such other user.

Mortgageloanamerica.com is not responsible in any way for the conduct of the lenders, brokers, representatives, and companies that you are matched with via your online quote form submission. We do not endorse or recommend any specific mortgage lenders, mortgage loans, or loan programs. The lender or mortgage broker is solely responsible for its services to you, and you agree that the Website shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of any lender or mortgage broker’s services.

Mortgageloanamerica.com is not responsible and you agree that Mortgageloanamerica.com 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 a promise, offer or otherwise from Mortgageloanamerica.com to make a specific loan or interest rate or that any lender or broker will be able to make any loan for any purpose or on any specific terms.

Mortgageloanamerica.com does not warrant, guarantee or endorse the products or services of any user of the Website or the Service. Nothing on the Website constitutes an advertisement for credit as defined by Paragraph 226.24 of Regulation Z issued by the Board of Governors of the FDIC pursuant to authority contained in the Federal Truth In Lending Act, as amended.

Mortgageloanamerica.com is not liable for any inaccuracies, delays, errors or omissions with respect to the information posted on the Website or submitted to the Website or the transmission or delivery of all or any part thereof, for any damage arising there from or occasioned thereby, or for the results obtained from the use of the information. You assume the entire risk as to the accuracy, adequacy, currency, completeness, validity and quality of any information.

Personal Information

Mortgageloanamerica.com may use your personal information to the extent necessary to provide you with the services available on the Website.  Personal information includes information you submit to us via your completion of our mortgage quote form. You acknowledge and agree that you are solely responsible for the accuracy and content of the Personal Information you provide.

Links to Third Party Sites

Mortgageloanamerica.com may provide links to external websites or resources for your convenience and reference only.  Mortgageloanamerica.com does not endorse and is not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the operators of these external websites or resources are at your own risk. You cannot make any claim against Mortgageloanamerica.com arising out of your use of external websites or resources.

Proprietary Rights

All of the material included on the Website, including but not limited to trademarks, text, graphics, logos and service marks (collectively, the “Content”), is the property of Mortgageloanamerica.com. U.S. and international copyright laws protect all Content available on the Website. Your use of the Website and the Content does not transfer to you any ownership or other rights in the Website or the Content. You may download Content displayed on the Website for your personal, noncommercial use only, provided you also retain all copyright and other proprietary notices contained on the Content. You may not modify, copy, distribute, transmit, display, publish, sell, license, or create derivative works using any of the Content for commercial or public purposes.

Website Security and Privacy

Although Mortgageloanamerica.com has taken reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, Mortgageloanamerica.com cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted. Please review our Privacy Policy for more information on what data we collect and how your information might be used.  By submitting your quote request, you acknowledge receipt of our Privacy Policy and agree to its terms.

Acceptable Use of the Website

Your use of the Website must be lawful and consistent with the security and reliability of the Website and the World Wide Web. In addition, the following rules apply to your use of the Website:
1)  You certify that you are at least 18 years of age.
2)  You assume full responsibility for the use of the Service by any minors utilizing computers owned or operated by you or for any minors use of any password assigned to you by Mortgageloanamerica.com

3)  Membership registration is open only to residents of the 50 United States and the District of Columbia.
4)  Your use of the Website is subject to all applicable local, state, national and international laws and regulations. Your conduct is also subject to applicable laws, regulations, policies and procedures related to Internet use.
5)  You are solely responsible for the content of your transmissions and the products you buy or sell through the Website. You acknowledge and agree that Mortgageloanamerica.com does not endorse the actions, the contents of communications, or the products of the Users.
6)  You must obtain and maintain, at your own expense, any equipment or ancillary services needed to connect to, access or otherwise use the Website, including, without limitation, modems, hardware, software, and long distance and local telephone service. You are responsible for ensuring that such equipment and ancillary services are compatible with the Website.
7)  You must complete all transactions you agree to complete in connection with the Website.
8)  You must abide by all of the-then current terms of Mortgageloanamerica.com Privacy Policy as set forth on the Website and as updated from time to time by Mortgageloanamerica.com in its sole discretion.

Prohibited Conduct

You warrant and agree that while using this website you will not: (a) use the Website for any illegal purpose or for the transmission of any material that is unlawful, harassing, libelous, invasive of another’s privacy, abusive, threatening, harmful, vulgar, obscene, tortuous, or otherwise objectionable, or that infringes or may infringe the intellectual property or other rights of another, including the sale of pornography, firearms and ammunition, living creatures and parts of endangered species, stocks and other securities, drugs and drug paraphernalia, human body parts and remains; (b) directly or indirectly interfere or attempt to interfere with the proper working of the Website, any account, or any communication or transaction being conducted on our Website; (c) use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or Website content without our prior expressed written permission; (d) take any action which imposes an unreasonable or disproportionately large load on our infrastructure, (e) use or disclose (to anyone except Mortgageloanamerica.com) any information you obtain about or from other users of the Website, or you obtain from Mortgageloanamerica.com if such information is marked confidential, for any purpose except fulfillment of orders initiated by the Users or negotiating prices with the Users, (f) conduct fraud, hide or attempt to hide your identity, represent yourself as someone else, or manipulate or attempt to manipulate prices, compromise or attempt to compromise the security of any account, interfere or attempt to interfere with the proper working of the Service, or (g) send any unsolicited e-mail or advertising to any known User.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR OWN RISK. Mortgageloanamerica.com PROVDIES THE WEBSITE ON AN “AS IS” BASIS. Mortgageloanamerica.com EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Mortgageloanamerica.com MAKES NO WARRANTY THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, OR THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES Mortgageloanamerica.com MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE, AS TO CONFIDENTIALITY OR PRIVACY OF ANY OF USER’S INFORMATION REGISTRATION DATA, EXCEPT AS SET FORTH IN THE Mortgageloanamerica.com PRIVACY POLICY, OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE WEBSITE. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. Mortgageloanamerica.com MAKES NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE WEBSITE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE AND ARE NOT RESPONSIBLE FOR ANY USE OF CONFIDENTIAL OR PRIVATE INFORMATION BY MERCHANTS SELLING THROUGH THE WEBSITE OR OTHER USERS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Mortgageloanamerica.com, SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
While Mortgageloanamerica.com takes commercially reasonable steps to safeguard and to prevent unauthorized access to your information and Registration Data, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL Mortgageloanamerica.com BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY’S UNAUTHORIZED ACCESS TO YOUR INFORMATION OR REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER Mortgageloanamerica.com WAS GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.

Limitation of Liability

You understand and agree that Mortgageloanamerica.com SHALL NOT BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE WEBSITE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF Mortgageloanamerica.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL Mortgageloanamerica.com EVER BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT OR UNDER OTHER FAULT OR WRONGDOING BY Mortgageloanamerica.com IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO Mortgageloanamerica.com FOR THE USE OF THE WEBSITE WHICH IS THE SUBJECT OF THE CLAIM. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST Mortgageloanamerica.com WITH RESPECT THIS AGREEMENT OR THE WEBSITE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

Indemnification

You agree to indemnify and hold Mortgageloanamerica.com, its subsidiaries, officers, contractors, and employees 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, people may provide information that is offensive, false, harmful, or deceptive. Mortgageloanamerica.com assumes no responsibility whatsoever for such content or actions.

Release

YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE Mortgageloanamerica.com AND ITS PARTNERS, SERVICE PROVIDERS, CLIENTS, VENDORS, AND CONTRCTORS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE WEBSITE.

Termination

If you breach any provision of this Agreement, you may no longer use the Website. Mortgageloanamerica.com may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, the Website or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. If Mortgageloanamerica.com terminates this Agreement for any reason, it continues to apply and bind you with respect of your prior use of the Website, including payment of any charges accrued in connection with use of the Website. Upon termination, Mortgageloanamerica.com may remove from the Website and permanently delete and destroy any Content that you or others may have posted or submitted without any prior notice or liability to you or any other person.

Errors and Delays

Mortgageloanamerica.com is not responsible for any errors or delays in responding to an information form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

Headings

Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such action.