Terms of Use

General

Reverse Mortgage Loan Experts and its subsidiaries operate a family of Web sites and associated Web pages. Any person accessing or using the Reverse Mortgage Loan Experts Family Websites is referred to as "you".

Acceptance of Terms

By accessing or using any part of this website or the services provided on it or other Web sites as set forth below (collectively, the "Services"), you agree to accept and comply with the terms, conditions, and notices stated herein and as may be modified by Reverse Mortgage Loan Experts from time-to-time without notice to you (the "Terms of Use"). These Terms of Use constitute a binding contract between Reverse Mortgage Loan Experts and you. You are responsible for regularly reviewing the Terms of Use. You can review the most current version of the Terms of Use at any time. If you do not wish to be bound by these Terms of Use, please do not access or use any part of the website or network.

Additional terms may govern the use of certain Web sites or Web pages within the Reverse Mortgage Loan Experts Family. In the event that any provision, term or guideline contained on a particular Web site or Web page in the Reverse Mortgage Loan Experts Family conflicts with the Terms of Use, the terms of such Web site or Web page shall control over the Terms of Use except with respect to the General Terms set forth below, which shall at all times control.

General Use of Reverse Mortgage Loan Experts Family

Unless specified otherwise, Reverse Mortgage Loan Experts offers you access to the Reverse Mortgage Loan Experts Family solely for your personal and non-commercial uses. You agree to only access or use the Reverse Mortgage Loan Experts Family only for legal purposes that are permitted by the Terms of Use. Among other things, you agree not to:

except with the express written permission of Reverse Mortgage Loan Experts, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Reverse Mortgage Loan Experts Family, including without limitation, engaging in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information; damage, disable, overburden, or impair the Reverse Mortgage Loan Experts Family or interfere with any other party’s use and enjoyment of the Reverse Mortgage Loan Experts Family; obtain or attempt to obtain any materials or information through any means not made readily accessible by Reverse Mortgage Loan Experts through the Reverse Mortgage Loan Experts Family.

Except with the express written permission of Reverse Mortgage Loan Experts, you agree that you will not access or attempt to access password-protected, secure or non-public areas of the Reverse Mortgage Loan Experts Family.

Except with the express written permission of Reverse Mortgage Loan Experts, you agree that you will not create links from any Web site or Web page to any page within the Reverse Mortgage Loan Experts Family; provided however upon prior written notice to Reverse Mortgage Loan Experts, you may create a link directly to any of the Reverse Mortgage Loan Experts Family home pages. The origin of any link to any Reverse Mortgage Loan Experts Family home page must be accompanied by a clear and prominent attribution indicating that the link is connected to the Reverse Mortgage Loan Experts Family home page. By creating a link to the Reverse Mortgage Loan Experts Family, you agree that (a) you will not employ any technology that results in the placement of content from the Reverse Mortgage Loan Experts Family in a frame and/or a reduced pop-up window and/or any other display mechanism which changes appearance of the Reverse Mortgage Loan Experts Family from how it would appear if a user typed the URL in a typical browser line, (b) your site shall not display content or link to other web sites that contain content that is illegal, obscene, indecent, disparaging, discriminating or otherwise offensive, (c) you have duly registered your domain name and possess all rights necessary to use the same, and (d) you shall not in any manner access, collect, store, disclose, transfer or use any information obtained or derived from a user’s access to or use of the Reverse Mortgage Loan Experts Family. Reverse Mortgage Loan Experts reserves the right to revoke your permission to create such link at any time in its sole discretion and you agree to immediately cease using the link at any time that Reverse Mortgage Loan Experts so requests.

You agree that Reverse Mortgage Loan Experts may in its sole discretion and at any time terminate your access to and use of the Reverse Mortgage Loan Experts Family, or any part thereof, with or without notice. You further agree that use of the Reverse Mortgage Loan Experts Family and any of its Services shall be immediately terminated if you violate these Terms of Use. In addition, Reverse Mortgage Loan Experts reserves the right, in its sole discretion, to modify or discontinue the Services or any portion thereof, with or without notice, and without liability to you.

The Services provided through the Reverse Mortgage Loan Experts Family may also be located on third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these Services is an offer or promise by Reverse Mortgage Loan Experts to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. In addition, Reverse Mortgage Loan Experts does not make any representation or warranty with respect to such third party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You are responsible for confirming the sufficiency and reliability of any third party Services, and you hereby release Reverse Mortgage Loan Experts from any and all claims, demands, liability and damages (actual or consequential) of every kind and nature, known and unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with your use of such Services. Further, please note that certain of the Interactive Services may be financial or mortgage tools that provide information and customized information based on user-inputted data. These tools are for the purpose of performing calculations and are not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary.

Please note that you may be subject to additional and/or different terms, conditions, and privacy policies when you use third party Services, Content (as defined below), software or sites.

Content Contained in the Reverse Mortgage Loan Experts Family

The Reverse Mortgage Loan Experts Family and all of its contents including, but not limited to, all information, text, messages, images, photos, illustrations, designs, icons, video clips, sounds, files, trademarks, copyrighted material, trade dress, software, specifications, catalogs, literature, technical information, advertisements and other content or materials on the Reverse Mortgage Loan Experts Family (collectively, "Content") is owned by Reverse Mortgage Loan Experts and/or third parties with all rights reserved unless otherwise noted.. Reverse Mortgage Loan Experts grants you a limited license to access and use the Reverse Mortgage Loan Experts Family and Content solely for informational, personal and non-commercial purposes (including printing individual pages from the Reverse Mortgage Loan Experts Family provided that you retain all copyright and other proprietary notices contained thereon). You are strictly prohibited from downloading (other than page caching) modifying, or making any other use of the Reverse Mortgage Loan Experts Family or Content, except with express written consent of Reverse Mortgage Loan Experts. You understand that all third party Content posted on, transmitted through, or linked from the Reverse Mortgage Loan Experts Family, is the sole responsibility of the third party originator of such Content. Content is provided through the Reverse Mortgage Loan Experts Family AS IS, and you agree that the use of and reliance on any Content is at your own risk and that under no circumstances shall Move be liable for any Content or for any loss or damage of any kind incurred as a result of the use of any Content made available via the Services.

You acknowledge that Reverse Mortgage Loan Experts does not screen or approve third-party Content and that Reverse Mortgage Loan Experts shall have the right (but not the obligation) in its sole discretion to refuse, modify, delete or move any Content that is available via the Reverse Mortgage Loan Experts Family, for any reason.

Content You Provide

To the extent that you post, upload, input, submit or otherwise transmit (collectively, "Transmit" or "Transmitting" as appropriate) Content on or through the Reverse Mortgage Loan Experts Family, you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity. You are entirely responsible for all Content that you provide or otherwise make available via the Reverse Mortgage Loan Experts Family. You also warrant and represent that you own or otherwise control all of the rights to such Content including, without limitation, all the rights necessary for you to Transmit such Content, and to transfer your or others’ interests in such Content to Reverse Mortgage Loan Experts as provided below.

You promise that you will not use the Reverse Mortgage Loan Experts Family to:

Transmit any Content not related to appropriate subject matters; which is misleading to others, including consumers; that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable; that you do not have a right to post and transmit under any law or under contractual relationships; such that such posting, uploading, or transmission constitutes the infringement of any patent, trademark, trade secret, copyright or other proprietary rights of any party; and materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law, including the Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act.

By Transmitting Content to the Reverse Mortgage Loan Experts Family, you grant, and you represent and warrant that you have the right to grant, to Reverse Mortgage Loan Experts an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute the Content and to prepare derivative works of, or incorporate into other works, the Content, and to grant and authorize sublicenses (through multiple tiers) of the foregoing. Furthermore, by posting Content to any public area of the Reverse Mortgage Loan Experts Family, you grant Reverse Mortgage Loan Experts all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content on the Reverse Mortgage Loan Experts Family by any party for any purpose.

Reverse Mortgage Loan Experts is committed to maintaining the privacy and security of any and all such information that you provide to Reverse Mortgage Loan Experts through the Reverse Mortgage Loan Experts Family in accordance with its Privacy Policy. Please click here to review the Reverse Mortgage Loan Experts Privacy Policy.

Applicable Law

This Terms of Use is governed by the laws of the State of California, U.S.A. without regard to conflicts of laws principles. You hereby consent to the exclusive jurisdiction and venue of courts sitting in California, County of Temecula and/or Central District of California in all disputes arising out of or relating to accessing or using of the Reverse Mortgage Loan Experts Family. Access or use of the Reverse Mortgage Loan Experts Family is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Reverse Mortgage Loan Experts as a result of the Terms of Use or accessing or using the Reverse Mortgage Loan Experts Family. Reverse Mortgage Loan Experts’s performance under the Terms of Use is subject to existing laws and legal process, and nothing contained in the Terms of Use is in derogation of Reverse Mortgage Loan Experts’s right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the Reverse Mortgage Loan Experts Family or information provided to or gathered by Reverse Mortgage Loan Experts with respect to such use.

Interpretation of the Terms of Use

If any part of the Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations contained herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Unless otherwise specified herein (or in any other definitive written agreement between you and Reverse Mortgage Loan Experts), the Terms of Use constitutes the entire agreement between you and Reverse Mortgage Loan Experts with respect to the Reverse Mortgage Loan Experts Family and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Reverse Mortgage Loan Experts with respect to the Reverse Mortgage Loan Experts Family. A printed version of the Terms of Use and any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE UPON ANY AND ALL OF THE Reverse Mortgage Loan Experts FAMILY, SERVICES AND/OR CONTENT IS AT YOUR SOLE RISK AND IS MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. MOVE MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES concerning THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF THE Reverse Mortgage Loan Experts FAMILY, SERVICES AND/OR CONTENT. Reverse Mortgage Loan Experts 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 AND NON-INFRINGEMENT.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD Reverse Mortgage Loan Experts, ITS THIRD-PARTY VENDORS, CORPORATE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS’ FEES, MADE BY ANY THIRD-PARTY DUE TO OR ARISING OUT OF ANY CONTENT, SUBMITTED, POSTED, OR OTHERWISE PROVIDED BY YOU TO THE Reverse Mortgage Loan Experts FAMILY AND/OR Reverse Mortgage Loan Experts AND/OR ITS THIRD PARTY ADVERTISERS AND ANY BREACH BY YOU OR YOUR AFFILIATES, EMPLOYEES, AGENTS AND REPRESENTATIVES OF THESE TERMS OF USE.

Limitation of Liability

IN NO EVENT SHALL MOVE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE Reverse Mortgage Loan Experts FAMILY, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE Reverse Mortgage Loan Experts FAMILY OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE Reverse Mortgage Loan Experts FAMILY, OR OTHERWISE ARISING OUT OF THE USE OF THE Reverse Mortgage Loan Experts FAMILY, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MOVE HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. ANY SERVICES OR CONTENT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE Reverse Mortgage Loan Experts FAMILY, AND ALL OTHER USE OF THE Reverse Mortgage Loan Experts FAMILY, IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS THEREFROM. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE MOVE NETWORK, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE Reverse Mortgage Loan Experts FAMILY.

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Copyright

All materials on the Reverse Mortgage Loan Experts Family (as well as the organization and layout of the Reverse Mortgage Loan Experts Family) are owned and copyrighted or licensed by Reverse Mortgage Loan Experts, its corporate affiliates or its third-party vendors. © Reverse Mortgage Loan Experts 2012 all rights reserved. No reproduction, distribution or transmission of the copyrighted materials on the Reverse Mortgage Loan Experts Family is permitted without the written permission of Reverse Mortgage Loan Experts. Any rights not expressly granted herein are reserved.

Under Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to Reverse Mortgage Loan Experts’s Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.

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