Terms of Use
IMPORTANT! These Terms of Use govern your (the User or You) use of the www.CommunityLendingGroup.com website provided by Community Lending Group. If you do not agree to the Terms of Use of this Site, you should immediately cease all usage of the Site. These Terms of Use are subject to change by the Company at any time in its discretion. Your use of the Site after such changes are implemented constitutes your acceptance of the changes. Please consult these Terms of Use regularly.
1. PERMITTED USE
The Company is providing User with access to inquire about the likelihood of being approved for various mortgage programs. The Site is not intended to provide you with tax, legal or investment advice. User has a nonexclusive, nontransferable, limited, and revocable right to use the Site solely for User’s personal, educational, informational, and entertainment use. User will not use the Site for any other purpose, including any commercial purpose, without the Company’s express prior written consent. For example, User will not, and will not authorize any other person to, (i) Co-brand the Site or portion thereof, or (ii) frame the Site or portion thereof (whereby the Site or portion thereof will appear on the same screen with a portion of another web site). Co-branding means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner reasonably likely to give a User the impression that such other party has the right to display, publish, or distribute the Site or content accessible within the Site (the Content). User agrees to cooperate with the Company in causing any unauthorized Co-branding, framing or linking to immediately cease.
2. PROPRIETARY INFORMATION
User acknowledges and agrees that the content accessible within the Site is the proprietary information of the Company and its content providers, and the Company and its content providers retain all right, title, and interest in the Content. Accordingly, User will not reproduce, transmit, publish or distribute such Content to any third party without the express written consent of the Company or the applicable content provider except that User may print out a copy of Content solely for User’s personal use. In doing so, User will not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.
Community Lending Group and CommunityLendingGroup.com are proprietary marks of the Company. The Company’s trademarks may not be used in connection with any product or service that is not provided by the Company, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company.
You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the Content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to bypass, to interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. User agrees not to use the Site for purposes other than Users personal, education, informational and entertainment, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Site, in the event of such prohibited use Users account will be terminated and You will be subject to damages and other penalties, including criminal prosecution where available.
3. GENERAL DISCLAIMER
While the Company makes every effort to ensure that the information on its Site is accurate, we can make no representations or warranties as to the accuracy or reliability of any information provided on the Site. Additionally, User will have access to a variety of sources of content through the Internet. The Company has made no effort to verify the accuracy or suitability of any information contained in any such sources. Accordingly, the Company will have no liability or responsibility whatsoever for any content contained within any such sources. User accesses, uses, and relies upon such content at User’s own risk. User understands further that the Internet contains unedited materials, some of which are sexually explicit or may be offensive. The Company has no control over and accepts no responsibility whatsoever for such materials. User accesses the Internet at User’s risk.
You understand that, except for information, products or services clearly identified as being supplied by the Company, the Company does not operate, control or endorse any information, products or services on the Internet in any way. You also understand that the Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. Each User is responsible for implementing sufficient procedures and checkpoints to satisfy User’s particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data. The Company does not assume any responsibility or risk for User’s use of the Internet.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE AND THE MATERIALS PROVIDED BY THE COMPANY ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, THE INFORMATION, CONTENT, OR MATERIALS INCLUDED ON THIS SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICIABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, PRODUCTS, UNINTERRUPTED ACCESS, SECURITY, ACCURACY OF INFORMATION OR CONTENT PROVIDED THROUGH OR IN CONNECTION WITH THE SITE. NO ORAL ADVICE OR WRITTEN INFORMATION GIVEN BY THE COMPANY OR ITS AFFILIATES, NOR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PROVIDERS, OR THE LIKE, SHALL CREATE A WARRANTY; NOR SHALL USER RELY ON ANY SUCH INFORMATION OR ADVICE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, AS TO THE RESULTS OR BENEFITS ASSOCIATED WITH THE SERVICES AND/OR PRODUCTS PROVIDED BY THIS SITE OR THE COMPANY.
THE COMPANY DOES NOT WARRANT THAT THE SITE AND THE MATERIALS PROVIDED ON THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.
THIS SITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY THE COMPANY. THE COMPANY IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY THE COMPANY OF THE WEBSITES OR THE CONTENT THEREOF.
THE CONTENT OF THIS SITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO PURCHASE ANY SECURITY, FUTURE OR OTHER FINANCIAL INSTRUMENT OR PRODUCT. THE INFORMATION CONTAINED ON THIS SITE (INCLUDING HISTORICAL DATA OR VALUES) HAS BEEN OBTAINED FROM SOURCES THAT THE COMPANY CONSIDERS TO BE RELIABLE; HOWEVER, THE COMPANY MAKES NO REPRESENTATION AS TO, AND ACCEPTS NO RESPONSIBILITY OR LIABILITY FOR, THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED ON THIS SITE. SUCH INFORMATION IS PRESENTED AS OF THE DATE AND, IF APPLICABLE, TIME INDICATED. THE COMPANY DOES NOT ACCEPT ANY RESPONSIBILITY FOR UPDATING ANY SUCH INFORMATION. ANY PROJECTIONS, VALUATIONS AND STATISTICAL ANALYSES CONTAINED ON THIS SITE HAVE BEEN PROVIDED TO ASSIST THE RECIPIENT IN THE EVALUATION OF RELATED MATTERS; SUCH PROJECTIONS, VALUATIONS AND ANALYSES MAY BE BASED ON SUBJECTIVE ASSESSMENTS AND ASSUMPTIONS AND MAY UTILIZE ONE AMONG ALTERNATIVE METHODOLOGIES THAT PRODUCE DIFFERING RESULTS; ACCORDINGLY, SUCH PROJECTIONS, VALUATIONS AND STATISTICAL ANALYSES ARE NOT TO BE VIEWED AS FACTS AND SHOULD NOT BE RELIED UPON AS AN ACCURATE REPRESENTATION OF FUTURE EVENTS. THE COMPANY IS NOT AN ADVISOR AS TO LEGAL, TAXATION, ACCOUNTING, REGULATORY OR FINANCIAL MATTERS IN ANY JURISDICTION, AND IS NOT PROVIDING ANY ADVICE AS TO ANY SUCH MATTER. EACH PERSON THAT ACCESSES THIS WEBSITE SHOULD DISCUSS SUCH MATTERS WITH SUCH PERSON’S ADVISORS OR COUNSEL AND MAKE AN INDEPENDENT EVALUATION AND JUDGMENT WITH RESPECT TO THEM.
4. RESULTS DISCLAIMER
No representation is being made that any Equity Growth Account will achieve results similar to those quoted or discussed. There is no guarantee that, even with the best advice available, the Equity Growth Account will work for you. The Equity Growth Account discussed may be unsuitable for you depending upon your specific financial position. You must make your own financial decisions in light of your own objectives, risk profile, and circumstances. Use independent advisors as you believe necessary. Therefore, the information provided herein is not intended to be specific advice as to whether you should engage in the Equity Growth Account. Financial requirements, tax considerations, and other transaction costs may significantly affect the economic consequences of the Equity Growth Account or transactions discussed and you should review such requirements with your own legal, tax and financial advisors.
Before engaging in the Equity Growth Account, you should understand the nature and extent of your rights and obligations and be aware of the risks involved. All testimonials are unsolicited and are potentially non-representative of all clients. Your results may vary from quotes or case studies detailed on the Site. Your actions and the results of your actions in regard to anything you receive from CommunityLendingGroup.com or the Company are entirely your own responsibility. The Company cannot and will not assume liability for any losses that may be incurred by the use of any information received from the Company or the Site. Any such liability is hereby expressly disclaimed.
All results are considered to be hypothetical unless otherwise specified: hypothetical performance results have many inherent limitations. Unlike an actual performance records, simulated results do not represent actual results. No representation is being made that any Equity Growth Account or customer will or is likely to achieve results similar to those shown. In fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any customer using the Equity Growth Account program. There are numerous other factors related to financial requirements, markets in general or to the implementation of any specific Equity Growth Account method or system, which cannot be completely taken into consideration with hypothetical performance results that will affect results.
5. LIMITATION ON LIABILITY
The ENTIRE LIABILITY OF THE COMPANY AND ITS REPRESENTATIVES (AS DEFINED BELOW) FOR ANY REASON SHALL BE LIMITED TO THE AMOUNT PAID BY THE USER TO THE COMPANY FOR THE APPLICABLE CONTENT, SERVICE OR PRODUCT OUT OF WHICH LIABILITY AROSE. The Company, its service providers, content providers, LICENSORS, employees, agents, officers and directors (REPRESENTATIVES) will not be liable for any incidental, indirect, consequential, or special damages, including loss of revenue or income, pain and suffering, emotional distress or similar damages, even if the Company has been advised of the possibility of such damages. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
6. INDEMNITY
User will indemnify and hold the Company, its licensees, content providers, service providers and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by User, including any use of Content other than as expressly authorized in these Terms of Use. User agrees that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and agrees to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. User will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of User’s use of the information accessed from the Site.
7. LEGAL DISPUTES
In the event a dispute arises between You and the Company, our goal is to provide You with a neutral and cost effective means of resolving the dispute quickly. Accordingly, You and the Company agree to act in good faith and use reasonable efforts to resolve any controversy or claim at law or equity that arises out of this Agreement or use of the Site (Claims) through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
In the event a dispute arises between You and the Company, our goal is to provide You with a neutral and cost effective means of resolving the dispute quickly. Accordingly, You and the Company agree to act in good faith and use reasonable efforts to resolve any controversy or claim at law or equity that arises out of this Agreement or use of the Site (Claims) through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
In the event a dispute arises between You and the Company, our goal is to provide You with a neutral and cost effective means of resolving the dispute quickly. Accordingly, You and the Company agree to act in good faith and use reasonable efforts to resolve any controversy or claim at law or equity that arises out of this Agreement or use of the Site (Claims) through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
In the event a dispute arises between You and the Company, our goal is to provide You with a neutral and cost effective means of resolving the dispute quickly. Accordingly, You and the Company agree to act in good faith and use reasonable efforts to resolve any controversy or claim at law or equity that arises out of this Agreement or use of the Site (Claims) through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
In the event a dispute arises between You and the Company, our goal is to provide You with a neutral and cost effective means of resolving the dispute quickly. Accordingly, You and the Company agree to act in good faith and use reasonable efforts to resolve any controversy or claim at law or equity that arises out of this Agreement or use of the Site (Claims) through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
8. PRIVACY POLICY
The Company respects the privacy of its Users and hereby incorporates by reference the terms of CommunityLendingGroup.com’s Privacy Policy. User hereby consents to the Companys use of Users personal information in the manner set forth in the Privacy Policy.
9. MISCELANEOUS
Applicable Law. This Site is created and controlled by the Company in the State of Utah. As such, the laws of the State of Utah will govern these Terms of Use, without giving effect to any principles of conflicts of laws. We make no representation that our Site or other services are appropriate, legal or available for use in other locations. Accordingly, if you choose to access our Site you agree to do so subject to the internal laws of the State of Utah. The Company reserves the right to make changes to the Site and these Terms of Use at any time. User hereby irrevocably and unconditionally consents to submit to the exclusive jurisdiction of the courts of the State of Utah and the United States of America located in the State of Utah for any litigation arising out of or relating to use of or purchase made through this Site (and agrees not to commence any litigation relating thereto except in such courts), waives any objection to the laying of venue of any such litigation in the Utah Courts and agrees not to plead or claim in any Utah Court that such litigation brought herein has been brought in an inconvenient forum.
Severability. The provisions of these Terms of Use are intended to be severable. If for any reason any provision of these Terms of Use shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision, shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.
Illegal Activities. You agree not to use the Site in any way for any illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), an invasive of another’s privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Internet Service Provider. The Company acts as an Internet service provider by creating, hosting, maintaining and providing the Site to You via the Internet. The Company has no obligation to monitor the use of the Site. However, You acknowledge and agree that the Company has the right to monitor the use of the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site properly, or to protect itself or its users. The Company reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of this Agreement.
Assignability. You may not transfer any rights or obligations You may have under this Agreement without the prior written consent of the Company. The Company reserves the right to transfer this Agreement or any right or obligation under this Agreement without Users consent.
Electronic Communications. You agree that this Agreement constitutes a writing signed by you under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Site (Communications), may be provided to You electronically and You agree to receive all Communications from the Company in electronic form. Electronic Communications may be posted on the pages within the Site and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in writing, and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. The Company reserves the right, but assumes no obligation, to provide Communications in paper format.
Entire Agreement. ACKNOWLEDGMENT the Terms of Use, including all documents referenced herein, represents the entire understanding between you and the Company regarding your relationship with the Company and supersedes any prior statements or representations. YOU AGREE TO BE BOUND BY THE TERMS OF USE by creating a customer account and by using the Site.
