These Terms of Service are an integral part of using our Service, and you must completely agree to them in order to use our Service.
"You" refers to you, the person who is entering into this Agreement with FHALoan.com.
First Click Mortgage, Inc. operates the Site. The websites operated by First Click Mortgage, Inc. provide news and information about mortgage products generally. First Click Mortgage, Inc., does not offer or sell mortgage credit products. Advertisers on First Click Mortgage, Inc.'s websites may generate leads and referrals for mortgage credit products through their advertisements.
Once a User reaches the Site, the User is able to review news and information provided by the site at no cost. Users may also enter information regarding their mortgage needs and their contact information into a secure hosted advertising form that transmits this information to one of several advertisers. A User may also view advertisements that, if clicked, connect the User to the advertiser's website. In addition, advertisers may also utilize a telephone number displayed on the site that will connect a User directly to the advertiser.
You must not be in violation of any embargoes, export controls, or other laws of the United States or other countries having jurisdiction over this Agreement, FHALoan.com, and yourself. For example, if the Office of Foreign Assets Control prohibits conducting financial transactions with nationals, residents, or banks of your country, you must not use our Service.
You must not use our Service to facilitate mortgage applications which involve fraud or other misrepresentations, or fail to make required disclosures in order to obtain credit.
FHALoan.com acts online as an information provider and medium for advertisers. We make no warranties or any other representations as to the reliability or honesty of any advertiser, nor do we recommend relying on any content that we post as the basis of any financial decisions. The posted content contained on FHALoan dot com is for general information purposes only and is accurate and true to the best of our knowledge. The information should not be seen as financial advice and you should consult with a licensed mortgage professional prior to taking any action. FHALoan dot com assumes no responsibility for errors or omissions in the contents on the Service. You agree that you are solely responsible for your own financial decisions, and release FHALoan dot com from any liability whatsoever regarding our Service or any causes of action arising from or relating to our Service.
In no event shall FHALoan dot com be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. FHALoan dot com reserves the right to make additions, deletions, or modification to the contents on the Service at any time without prior notice. FHALoan dot com does not warrant that the website is free of viruses or other harmful components.
Post or send anything violent, threatening, pornographic, racist, hateful, or otherwise objectionable according to the opinion of FHALoan.com or its delegates (including submitting such content to advertisers).
Be fraudulent or negligent in your representations when making credit applications with third parties.
Hack, crack, phish, SQL inject, or otherwise compromise the security or integrity of the FHALoan.com Site, Service, or its Users' computers.
Do anything else which, at our sole discretion, is objectionable, or which a reasonable person would conclude is or will constitute a violation of any person's rights.
FHALoan.com is a largely content-based service. You agree not to copy, distribute, display, disseminate, or otherwise reproduce any of the information on the Site, including advertisements submitted by third parties to FHALoan.com, without receiving our prior written permission.
FHALoan.com must be assured that it has the right to use the content that is posted to its Site by its Users. Such content may include, but is not limited to, information submitted to us through our online forms. Whenever submitting content to our Service, you agree that you are granting us a non-exclusive, universal, perpetual, irrevocable, sublicensable, commercial and non-commercial right to use, distribute, sell, publish, and otherwise make use of the content that you submit to us. You warrant to us that you have the right to grant us this right over the content, and that you will indemnify us for any loss resulting from a breach of this warranty and defend us against claims regarding the same.
"FHALoan.com" and "First Click Mortgage, Inc." are trademarks used by us, First Click Mortgage, Inc., to uniquely identify our Site, Service, and business. You agree not to use this phrase anywhere without our prior written consent. Additionally, you agree not to use our trade dress, or copy the look and feel of our website or its design, without our prior written consent. You agree that this paragraph goes beyond the governing law on intellectual property law, and includes prohibitions on any competition that violates the provisions of this paragraph, including starting your own mortgage-related service.
WE ARE NOT RESPONSIBLE FOR ANY FAILURE ON THE PART OF A THIRD PARTY (INCLUDED BUT NOT LIMITED TO MORTGAGE ADVERTISERS) TO DELIVER GOODS OR SERVICES AS PROMISED OR EXPECTED. YOU AGREE TO ASSUME ANY RISK INVOLVED IN DEALING WITH ADVERTISERS OR THE GOODS OR SERVICES THAT THEY PROMOTE.
You agree that any dispute arising from or relating to this Agreement will be heard solely by a court of competent jurisdiction in the State of Texas. Specifically, where the subject matter of a dispute is eligible for it, you agree that any disputes shall be heard solely within the lowest court of competent jurisdiction having the authority to hear civil matters ("Small Claims Court").
If two or more provisions of this Agreement are deemed to conflict with each other's operation, FHALoan.com shall have the sole right to elect which provision remains in force.
FHALoan.com reserves all rights afforded to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.