Description of Services
This website provides reviews posted by other users of this website related to various loan providers. LoanReviewHQ is not responsible for the activities and practices of any entities that are referenced on this website, including the lenders reviewed by our users. While some of the lenders reviewed may be affiliated with LoanReviewHQ, LoanReviewHQ does not make any representations or warranties related to such affiliates. All of the information contained in this website and third party websites are for your information only and should not be considered financial advice.
No Unlawful or Prohibited Use
As a condition of your use of the website, you warrant to LoanReviewHQ that you will not use the website for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use the website automatically ends without prior notification to you.
You may not without our prior written permission use any computer code, data mining software, “robot,” “bot,” “spider,” “scraper” or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on the website or accessed through the website. You may not introduce viruses, spyware, or other malicious code to the website. You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access our website is virus free.
You will not (nor cause any third party to) use the website to perform any illegal activities (including without limitation defaming, abusing, harassing, stalking, threatening or otherwise violating the legal rights (such as rights of privacy) of others), immoral activities, or any of the following types of activities, without limitation:
- transmitting information that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
- transmitting any material that contains software viruses, trojan horses, worms, time bombs, cancelbots, or any other computer code, files, or programs which may interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
- impersonating anyone or any entity, falsely stating or otherwise misrepresenting your affiliation with a person or entity;
- placing advertising or commercial content, except as agreed upon by LoanReviewHQ and you;
- interfering with or disrupting the website;
- disrupting the activities or enjoyment of the website for other users; or
- collecting, or storing personal data about other users.
You agree to abide by all applicable local, state, and federal laws and regulations and are solely responsible for all acts or omissions that occur during your access and/or use of the website.
No Use by Children
This website does not intend to market any products or services to children under thirteen years of age. LoanReviewHQ does not knowingly gather or solicit data from such individuals. By using the website, you represent that you are not under thirteen years of age.
If you use this website, you are responsible for restricting access to your computer, and you agree to accept responsibility for all activities that occur via your computer’s access to our website. If your status as a user of this website is terminated, you will (i) stop using the website and any information obtained from the website, and (ii) destroy all information, if any, obtained from this website.
LoanReviewHQ Intellectual Property
All materials on the website (as well as the organization and layout of the website) are owned and copyrighted, licensed by, or used with permission that is granted to LoanReviewHQ. No reproduction, distribution, transmission, or creation of derivative works of the copyrighted materials at the website is permitted without the prior written permission of LoanReviewHQ.
LoanReviewHQ and other logos, product and service names are trademarks and service marks owned by or licensed to LoanReviewHQ (the “Marks”). Without the prior written permission of LoanReviewHQ, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.
Links to Third Party Website
Links to Our Website
Use of Submissions
Any information posted on this website, including questions, comments, suggestions, or the like shall be deemed to be non-confidential. We will have no obligation of any kind with respect to such information and will be free to reproduce, use, disclose, and distribute the information to others without limitation. We will be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including but not limited to developing and marketing products and services incorporating such information.
Infringement Claims/Copyright Agent
If you believe that any material contained on the website infringes your copyright or other intellectual property rights, you should notify LoanReviewHQ of your copyright infringement claim in accordance with the following procedure. Company will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA) and other applicable intellectual property laws. The DMCA requires that notifications of claimed copyright infringement should be sent to this website's Designated Agent who is:
By mail: Donna P. Gonzales, Stinson Leonard Street LLP
c/o LoanReviewHQ, LLC
6400 South Fiddlers Green Circle
Greenwood Village, CO 80111
By phone: (303) 376-8400
By email: Donna.Gonzales@Stinson.com
To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c)(3)):
- Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
- 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;
- 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 service provider to locate the material;
- Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
- 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
- A statement, made under penalty of perjury, that the information in the notification is accurate and that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Emails sent to LoanReviewHQ for purposes other than communication about copyright claims may not be acknowledged or responded to.
We will, in appropriate circumstances, terminate repeat infringers. If you believe that an account holder or subscriber is a repeat infringer, please follow the instructions above to contact LoanReviewHQ and provide information sufficient for us to verify that the account holder or subscriber is a repeat infringer.
Changes to Website
We may make improvements or changes in the information, services, products, and other materials on the website, or terminate the website at any time. We may modify this Agreement at any time, and such modifications will be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of the website will be deemed your acceptance of the modified Agreement.
Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SITE AND SERVICES OFFERED AT THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. LOANREVIEWHQ 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.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE 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 FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT LOANREVIEWHQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITES OR SERVICES; (ii) THE COST OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO ON THE SITES OR THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITES; OR (v) ANY OTHER MATTER RELATING TO THE SITES OR THE SERVICES. IN NO EVENT WILL OUR MAXIMUM LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US FOR THE SUBJECT SERVICES OR $100, WHICHEVER IS GREATER.
The website are intended to and directed to residents of the United States and all advertising claims contained in the website are valid only in the United States. This Agreement and the resolution of any dispute related to this Agreement or the website will be governed by and construed in accordance with the laws of Missouri, without giving effect to any principles of conflicts of law. Failure by LoanReviewHQ to insist upon strict enforcement of any provision of this Agreement will not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the website or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between LoanReviewHQ and you related to this Agreement will be brought exclusively in a federal or state court of competent jurisdiction sitting in the State of Missouri. If any of these terms will be deemed invalid, void, or for any reason unenforceable, that term will be deemed severable and will not affect the validity and enforceability of any remaining term. You may have greater rights, or some of the provisions may be prohibited, by virtue of state or federal consumer protection laws. In such a case, to such extent, the subject provisions shall not apply to you.
Effective Date: March 31, 2018
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