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Mortgage Computer offers to you on its Web site an extremely large amount of information, documents, screens, reports, graphics, and software (hereafter referred to as "Information/Knowledge") and various services operated by Mortgage Computer ("Services") for you to view, download, and use, subject to the terms and conditions set forth in this document ("Terms of Use").

Mortgage Computer reserves the right to change the Terms of Web Use Policy from time to time at its sole discretion. Your use of the Mortgage Computer's Web site is subject to the most current version of the Terms of Web Use Policy posted site at the time of such use. You should review this Policy periodically so that you are aware of the most current Terms.

Use of any Information/Knowledge from this Web site is prohibited without the prior written permission of Mortgage Computer, unless otherwise noted.

The Information/Knowledge at this Web site is copyrighted, and any unauthorized use of the Information/Knowledge may violate copyright, trademark, and other laws.

Mortgage Computer does not guarantee that your use of the Information/Knowledge will not infringe upon the rights of third parties not owned or associated with Mortgage Computer.

If you breach any of these Terms of Use, your authorization to use this Web site automatically terminates and you must immediately destroy any Information/Knowledge downloaded or printed from this Web site.

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Disclaimer
Trademarks
Customer Information
Export Laws
Privacy
References and Links to Other Web Web Sites
Access to Secure Areas
Virus Protection
Forward Looking Statements Protection
Principles of Law
Limitation of Liability

1. Disclaimer

The Information/Knowledge and Services provided at this Web site are provided "AS IS" without any warranties of any kind including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

Mortgage Computer does not warrant the accuracy and completeness of the Information/Knowledge or Services at this Web site. Mortgage Computer may make changes to the Information/Knowledge and Services at this Web site, or to any products, services or prices described in them, at any time without notice. The Information/Knowledge and Services at this Web site may be out of date. Mortgage Computer makes no commitment to update the Information/Knowledge and Services at this Web site.

The Information/Knowledge and Services at this site may be unavailable for periods of time. Mortgage Computer makes no warranty for the availability of the Information/Knowledge and Services, or that the Information/Knowledge and Services will be uninterrupted, timely, secure or free from errors.

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2. Trademarks

The trademarks, logos and service marks ("Marks") displayed on this Web site are registered, common law trademarks and are the property of Mortgage Computer or other third parties. You are not permitted to use the Marks without the prior written consent of Mortgage Computer or such third party which may own the Marks. Nothing on this Web site should be interpreted, by implication or otherwise, as granting permission or license to use the Marks, whether Mortgage Computer Marks or those of a third party.

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3. Customer Information

Any questions, comments, suggestions, or data transmitted to this Web site by electronic mail or any other method is, and will be treated as, non-confidential and non-proprietary. Information and data posted or transmitted becomes the property of Mortgage Computer and may be used for any purpose. This includes, but is not limited to the following: reproduction, publication, transmission, disclosure, and posting. Additionally, Mortgage Computer reserves the right to use any communication, concepts, ideas, and information sent to this Web site for any purpose, including product creation, development, or marketing.

Mortgage Computer may monitor discussions, postings, and transmissions on this Web site, but Mortgage Computer assumes no responsibility for the content of these communications. Mortgage Computer is not obligated to monitor such communications and is not liable for any defamation, slander, libel, threat, error, omission, inaccuracy, falsehood, profanity, or obscenity in any communications contained within such locations on the Web site.

The posting or transmitting of any Information/Knowledge that can be regarded as defamatory, libelous, threatening, profane, obscene, pornographic, or that violate any law, or can be considered a criminal offense, is strictly prohibited. Mortgage Computer will cooperate with court orders and law enforcement officials requesting the disclosure of the identity of anyone posting or transmitting this type of information.

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4. Export Laws

The Information/Knowledge on this Web site may be subject to United States Export Control. Mortgage Computer does not sanction the exportation or downloading of software or technical information from this Web site to any jurisdiction prohibited by United States Export Laws. United States Export Control laws prohibit the export of certain software and technical data to specific territories. Information/Knowledge from this Web site may not be exported or downloaded to the following countries or the nationals and residents of these countries: Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods. In addition, the United States government does not allow information or software to be exported to anyone on the United States Treasury Department's list of Specially Designated Nationals or the United States Commerce Department's Table of Denial Orders.

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5. Privacy

To learn about how Mortgage Computer protects your personal information, refer to our published Privacy Policy.

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6. References and Links to Other Web Sites

References and Links to third-party Web sites on this Web site are provided solely as a convenience to you. If you use these links, you will leave this Web site. Mortgage Computer has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites or their content. Mortgage Computer does not endorse or make any representation about them, or any information, software or other products or Information/Knowledge found there, or any results that may be obtained from using them. If you decide to access any of the third-party sites linked to this Web site, you do this entirely at your own risk.

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7. Access to Secure Areas

You are responsible for the confidentiality of the usernames and passwords to use to access Information/Knowledge and Services on this Web site. You are responsible for all see, access and use this Information/Knowledge while online or downloaded from this Web site, with or without your personal or company authorization.

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8. Virus Protection

Mortgage Computer's ftp server is protected with current anti-virus software that is updated weekly. MC's Web server is hosted by a professional hosting company that protects its servers with current software/hardware.

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9. Forward-Looking Statements Protection

This Web site may now or in the future contain "forward-looking" statements as contemplated by the Private Securities Litigation Reform Act of 1995 Title I -Reduction of Abuse Litigation, Sec. 102. Safe harbor for forward-looking statements.

Such forward-looking statements are subject to risks and uncertainties, whether written or oral, which could cause actual results to differ materially from those projected or implied in the forward-looking statements. There may be other factors not mentioned above that may cause actual results to differ materially from any forward-looking information.

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10. Principles of Law

This Web site is controlled by or in behalf of Mortgage Computer of Ogden, Utah. By accessing this Web site, you and Mortgage Computer agree that all matters relating to your access to, or use of, this Web site will be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of laws.

You further agree to indemnify and hold Mortgage Computer, and its subsidiaries, affiliates, officers, employees, agents, or other business partners, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post to or transmit through the Web site, your use of the Web site, your connection to the Web site, your violation of the Terms of Use, or your violation of any rights of another person or entity.

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11. Limitation of Liability

MC does not and cannot warrant the information, documentation, or software (including any fixes and updates) included in this distribution service or the performance or results obtained by using this information, documentation, or software.

This information, documentation, and software is provided "as is."

MC makes no warranties of any kind, either expressed or implied, including but not limited to, noninfringement of third-party rights, merchantability, or fitness for a particular purpose with respect to the product and the accompanying written materials. To the extent you use or implement this information, documentation, or software in your own setting, you do so at your own risk.


In no event will Mortgage Computer, its suppliers, or other third parties mentioned at this site be liable for any damages whatsoever (including, without limitation, those resulting from lost profits, lost savings, lost data, incidental or consequential damages or business interruption) arising out of the use, inability to use, Information/Knowledge documentation or software, or the results of use of this site, any Web sites linked to this site, or the Information/Knowledge or services contained at any or all such sites, whether based on warranty, contract, tort or any other legal theory and whether or not advised of the possibility of such damages. If your use of the Information/Knowledge or services from this site results in the need for servicing, repair or correction of equipment or data, you assume all costs thereof. Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.


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Additional Information

Questions regarding this Terms of Web Use Policy statement should be directed to termsofuse@mcoffice.com. If you do not receive acknowledgment or if your inquiry has not been satisfactorily addressed, you should contact us by mail:

    Mortgage Computer - Terms of Web Use Policy
    2650 Washington Blvd., Suite 203
    Ogden, Utah 84401

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Updated January 7, 2005 at 2:58 p.m.