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| Web Site Terms |
| PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS
AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. |
Copyright © 2006 1st Advantage Mortgage, LLC. All Rights Reserved..
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is
owned by 1st Advantage Mortgage, LLC unless otherwise indicated. |
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| "Site" refers to this Internet web site (www.pamcorose.com) and its related services. "You" or "User" refers to a registered user
of this Site. "1st Advantage Mortgage." or "We" refers to 1st Advantage Mortgage.. |
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This Site contains links to other sites.
1st Advantage Mortgage is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are
linked. We encourage You to read the posted privacy statement whenever interacting with any web site.
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The Work Space.
This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and
the exchange and sharing of information. The information contained in private work spaces shared between Users and 1st Advantage Mortgage is
not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.
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Information We Gather.
Registration.
If You register to use or provide services using 1st Advantage Mortgage, we may collect and store information that specifically identifies You or
your account ("Personally Identifiable Information"). The required information may include your User ID, password, first name, last name,
business name, address, city, state, zip/postal code, phone, fax, email and web site address. We may, in the future, include other optional
requests for information from You, to help us to tailor the Site for You and deliver personalized information to You. |
Online Surveys and Contests.
1st Advantage Mortgage may conduct online user surveys to collect information about our Users preferences. These surveys are optional and if
You choose to respond, your responses will be kept anonymous. Similarly, we offer contests to qualifying Users in which we ask for contact
and demographic information such as name, email address and mailing address. |
Automatically Gathered Information.
1st Advantage Mortgage automatically collects your browser type and browser software version to tailor the presentation of the services to your
platform and to maintain a record of your activity on the Site. 1st Advantage Mortgage may also use cookies to enable users to specify
unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences.
If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably
slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address
information but do not ordinarily link IP addresses to Users Personally Identifiable Information. However, We can and will use IP addresses
to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of
Use or to protect our service, Site, customers or others. |
Your Public Profile.
As part of registration, You may be required to provide contact information such as name, address, city, state, zip, phone, fax and email
address, some of which can be displayed to other users of our service in an effort to simplify communication between members. |
How We Use Information.
Registration Information.
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to
our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required
by law. We do not rent or sell our Users Personally Identifiable Information to third parties. |
Advertising.
At this time we do not display banner advertising on our site, but we may send You email communications including information that we think
may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member,
or at any time thereafter by contacting us. |
No Warranty
The information and materials contained in this site, including text, graphics, links or other items - are provided "as is," "as available".
1st Advantage Mortgage, LLC does not warrant the accuracy, adequacy or completeness of this information and materials and expressly
disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory,
including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular
purpose and freedom from computer virus, is given in conjunction with the information and materials. |
Demographic Information, Surveys and Contests.
The demographic information that 1st Advantage Mortgage collects in the registration process and through online surveys may be used to help
us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services.
Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any
contest or similar offering. |
Comments Submitted by Users.
1st Advantage Mortgage constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your
input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have
regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will
only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in
marketing or promotional materials. |
Use of Calculators / Estimated Payments
Although your borrower's aggregate monthly debt payment may decrease, this loan may increase both your borrower's aggregate number of monthly
debt payments and the aggregate amount paid by your borrower over the term of the loan. |
Limitation of Liability
In no event will 1st Advantage Mortgage, LLC be liable for any damages, including without limitation direct or indirect, special,
incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any
party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer
virus or line or system failure, even if 1st Advantage Mortgage, LLC, or representatives thereof, are advised of the possibility of such
damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and
other links provided by these resources are not investigated, verified, monitored, or endorsed by 1st Advantage Mortgage, LLC. |
E-Signature
Neither 1st Advantage Mortgage, LLC, nor any officer, employee or agent of 1st Advantage Mortgage, LLC is authorized to enter into any
agreement or other obligation for 1st Advantage Mortgage, LLC by e-mail, facsimile or any other electronic means without specific
authorization. Such authorization has not been granted in the case of any e-mail communication or the transaction or matter to which it
relates. Any e-mail message and all other related communications may not be relied upon by the recipient for any purpose, and are not
legally binding, valid or enforceable pursuant to the federal e-sign act or state counterpart. |
Security.
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Please note that
with current technology, we cannot guarantee the security of your data as it travels over the Internet. |
Terminating Your Membership.
We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, contact us. If
You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email communications
for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable
Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual
information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.
| Correcting/Updating Your Information.
To correct and/or update your information, please contact us. |
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