Have you taken out a home loan with a down payment of 20% or less?…
Terms & Conditions
ACCEPTANCE OF TERMS:
DESCRIPTION OF SERVICE:
The site has the following description:
Financial services, namely, mortgage refinancing; Mortgage banking; Mortgage brokerage services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage lending; Mortgage refinancing.
These Terms shall be construed in accordance with and governed by the laws of the United States and the State of Michigan, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of the state or federal courts in Michigan in all disputes arising out of or related to the use of the site.
To register and become a “member” of Company, you must be 18 years of age to enter into and form a legally binding contract. In addition, you must be in good standing and not an individual that has been previously barred from receiving Company’s Services under the laws and statutes of the United States or other applicable jurisdictions:
Further, the registering party hereby acknowledges, understands and agrees to:
a) furnish factual, correct, current and complete information with regards to yourself as may be requested by the data registration process;
b) maintain and promptly update your registration and profile information in an effort to maintain accuracy and completeness at all times.
If anyone knowingly provides any false, untrue, inaccurate or incomplete information, Company will have sufficient grounds to suspend or terminate the member in violation of this Agreement, and as such refuse any and all current and future use of Company’s Services, or any part thereof.
After completion of registration, you will be responsible for maintaining secrecy and confidentiality of your password and for all activities that transpire within your account. It shall be your responsibility to notify Company immediately if you notice unauthorized access or use of you account or password or any other breach of security. Company shall not be held liable for any loss or damage arising from failure to comply with this term or the terms. It is also members
Company’s priority is to ensure the safety and privacy of all its visitors, users, and members, especially that of children. Therefore the site is intended only for users aged 18 or older. Individuals under the age of 18 are strictly prohibited from using the site and the accounts for any such person shall be terminated upon discovery.
USE OF SOFTWARE:
The Company may make certain software available to you from the Site. If you download software from the Site, the software, including all files and images contained in or generated by the software, and accompanying data (collectively, “Software”) are deemed to be licensed to you by Company, for your personal, noncommercial, home use only. The Company does not transfer either the title or the intellectual property rights to the Software, and Company retains full and complete title to the Software as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. All trademarks and logos are owned by Company or its licensors and you may not copy or use them in any manner.
You grant Company a license to use the materials you post to the Site or Service. By posting, downloading, displaying, performing, transmitting, or otherwise distributing information or other content (“User Content”) to the Site or Service, you are granting Company, its affiliates, officers, directors, employees, consultants, agents, and representatives a license to use User Content in connection with the operation of the Internet business of Company, its affiliates, officers, directors, employees, consultants, agents, and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. You will not be compensated for any User Content. You agree that Company may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the Site or Service, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.
COMPLIANCE WITH INTELLECTUAL PROPERTY LAWS:
When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, “Content”) in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.
You shall not make the following types of Content available. You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that:
(a) is libelous, defamatory, obscene, pornographic, abusive, unlawful, harassing, invasive of another’s privacy, hateful, vulgar, tortious, or threatening;
(b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation;
d) you do not personally have any right to offer pursuant to any law or in accordance with any contractual or fiduciary relationship;
e) impersonates an individual or entity, including but not limited to Company officials forum leader, guides, host or falsify state or otherwise misrepresent and affiliation or entity;
f) offers unsolicited or unauthorized advertising, promotions flyers, “junk mail,” “spam,” or any other form of solicitation except in any such are that may have been designated for such purpose;
g) infringes upon any patent, copyright, trademark, or any other proprietary or intellectual right of any other party;
h) attempts to collect or store personal information or data relating to other members or users in connection with the prohibited conduct and/or activities which have been set forth.
i) may contain a software virus or other computer code any files and or programs which have been designed to interfere, destroy, and or limit the operation of any computer software, hardware or telecommunication equipment.
j) disrupts the normal flow of communications, or otherwise acting in a manner that would negatively affect other users’ ability to participate in real-time interactions:
i) that “stalks” or ith the intent to otherwise harass another individual.
k) intentionally or unintentionally violates any local, state, federal, national or international rules, laws, or regulations decreed by the U.S. Securities and Exchange Commission, in addition to any rules of any nation with other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQm and any regulations having the force of law.
The Company does not guarantee the accuracy, integrity or quality of such content and reserves the right to pre-screen, refuse and or delete any content currently available through our services. In addition, we reserve the right to remove any such content that would violate the TOS or which would otherwise be considerable to other visitors, users and or members.
COMMERCIAL REUSE OF SERVICE:
The member or user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any commercial reason any part, use of, or access to Company’s Sites.
YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:
a) COMPANY HEREBY DISCLAIMS ALL WARRANTIES. COMPANY IS MAKING THE SITE AVAILABLE “AS IS” AND/OR “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR THE SERVICE.
b) TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.
c) COMPANY AND/OR SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS PARTNERS, LICENSORS DOES NOT WARRANT THAT THE SITE OR THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE SITE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
d) NO ADVICE AND/OR INFORMATION DESPITE WRITTEN OR ORAL, THAT MAY BE OBTAINED BY YOU FROM COMPANY OR BY WAY OF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
COMPANY’S LIABILITY TO YOU IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR ANY OTHER MATERIALS OR SERVICES PROVIDED TO YOU BY COMPANY.
This limitation shall apply regardless of whether the damages arise out of breach of contract, tort, or any other legal theory or form of action.
Any correspondence or business dealings with, or the participation in any promotions of advertisers located on or through our Services, which may include the payment and/or delivery of such related goods/and or services, and any such other term, condition, warranty and/or representation associated with such dealings, are and shall be solely between you and any such advertiser. Moreover, you herein agree that Company shall not be held responsible or liable for any loss or damage of any nature or manner incurred as a direct result of any such dealings or as a result of the presence of such advertiser on Site.
Either Company or any third parties may provide links to other websites and/or resources. Thus, you acknowledge and agree that we are not responsible for the availability of any such external site or resources, and as such, we do not endorse nor are we responsible or liable for any content, products, advertising or any other materials, on or available from such third party sites or resources. Furthermore, you acknowledge and agree that Company shall not be responsible or liable, directly or indirectly for any such damage or loss which may be a result of, caused by or in connection with the use of r the reliance on any such content, good or services made available on or through any such site or resources.
Company imposes certain restrictions on your permissible use of the Site and the Service. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation,
(a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access;
(b) attempting to probe, scan, or test the vulnerability of the Service, the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site or Service, overloading, “flooding,” “spamming,” “mailbombing,” or “crashing;”
(d) using the Site or Service to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services;
(e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Service; or
(f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by Company in providing the Site or Service. Any violation of system or network security may subject you to civil and/or criminal liability.
ADMONITION RELATED TO FINANCIAL MATTERS:
Should you intend to create or join any service, receive or request any such news, messages, alerts or other information from our Services concerning companies, stock quotes, investments or securities. In addition, for the particular type of information, “Let investors beware” is appropriate. Company’s content is provided primarily for informational purposes, and no content that shall be provided or included in our Services is intended for trading or investing purposes. Company and our licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted and/or made available by way of our services, and shall not be responsible or liable for any trading and or investment decisions based on any such information.
You herein acknowledge, understand and agree that all of Company’s trademarks, copyright, trade name, service marks, and other Company logos and any brand features, and or product and service marks, and other Company logos and any brand features, and/or product and service names are trademarks and as such, are and shall remain the property of Company. You herein agree not to display and/or use in any manner the Company logo and marks.
The Company will always respect the intellectual property of others, and we ask that all of our users to the same.
All contents of Site or Service are Copyright © 2021 Fadi Sankari and Best Rate Loan, LLC, 1935 Villa Rd, Birmingham, Michigan 48009. All rights reserved.
All users herein agree not to replicate, duplicate copy, trade, resell nor exploit for any commercial reason any part, use of, or access to Company sites.
If you feel that your work has been duplicated in such a way that would constitute copyright infringement, or if you believe intellectual property right have been otherwise violated, you should provide us with the following information:
a) The electronic or the physical signature of the individual that is authorized on behalf of the owner of the copyright or other intellectual property interest;
b) A description of copyrighted work or other intellectual property you believe has been infringed upon;
c) A description of the location of the site which you allege has been infringing upon your work;
d) The physical address, telephone number, and email address;
e) A statement, in which you state that the alleged and disputed use of your work is not authorized by the copyright owner, and its agents or the law.
f) A statement, made under penalty of perjury, that the aforementioned information in your notice is the truth and accurate, and that you are the copyright or intellectual property owner, representative or agent authorized to act on behalf of the owner.
The Company Agent for Notice of claims of copyright or other intellectual property infringement can be contacted as follows:
Best Rate Loan LLC
DBA (Doing Business As) Best Rate
1935 Villa Rd
Attn: Copyright Agent
Company shall reserve the right at any time it may deem fit to modify, alter and or discontinue, whether temporarily or permanently, services, or any part thereof, with or without prior notice. In addition, Company shall not be held liable to you or to any third party for any such alteration, modification, suspension and or discontinuance of service or any part thereof.
As a member or subscriber of Best Rate Loan, you may cancel or terminate your account, associated email address and/or access to our service by submitting a cancellation or termination request to email@example.com.
As a member or subscriber, you agree that Best Rate Loan may, without prior written notice, immediately suspend, terminate, discontinue, and/or limit your account, any email associated with you account, and access to any of our Services. The cause for such termination, discontinuance, suspension and/or limitation of access shall include, but is not limited to:
a) any breach or violation of our TOD or any other incorporated agreement, regulation, and/or guideline;
b) by way of request from law enforcement or any other governmental agency;
c) the discontinuance, alteration, and/or material modification to our Services, or any part thereof;
d) unexpected technical or security issues.
e) any extended periods of activity;
f) any engagement by you in any fraudulent or illegal activities:
g) the nonpayment of any associated fees that may be owed by you in connection with Best Rate account Services.
Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, and or limitations access for cause shall be made at our sole discretion and that we shall not be liable to you or any other third party with regard to the termination of your account, associated email, address and/or access to any of our service.
The termination of your account with the Company, shall include any/or all of the following:
a) removal of any access to all or part of the services offered within Company;
b) the deletion of your password and any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof;
c) the barring of any further use of all or part of our Services.
Nothing contained on the Site should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by Company or by any third party.
UNITED STATES USE ONLY:
The Site is controlled and operated by Company from its offices in the State of Michigan. The domain of the website is registered in the United States and the Site is hosted in the United States. The intended audience for this site consists of individuals in the United States only. The Company makes no representation that any of the materials or the services to which you have been given access are available or appropriate for use in other locations. Your use of or access to the Site should not be construed as Company’s purposefully availing itself of the benefits or privilege of doing business in any state or jurisdiction other than Michigan and the United States.
Company reserves the right to amend these Terms. Should Company seek to make such an amendment and we, in our sole discretion, consider the amendment to be material in nature, we shall:
(a) Clearly publish on the home page the fact an amendment is being made. You may contact us to discuss and contact information so you may discuss the proposed changes with us.
Should a court of competent jurisdiction rule this Amendment provision invalid, then this Amendment clause shall be terminated as part of this agreement with the agreement between us reverting to the previous set of terms applicable to the website. All amendments to the Terms shall be forward looking.
This TOS is an agreement between you and Company and shall govern the use of our Services, superseding any prior versions of this TOS with respect to Company Services. You may also be subject to additional terms and conditions that may apply when you use or purchase certain other Company Services, affiliate services, third-party content or third-party software.
CHOICE OF LAW AND FORUM:
It is a mutual agreement of both you and Company with regard to the TOS that the relationship between the parties shall be governed by the laws o the Company without regard to conflict of law provisions and that any and all claims, causes of action and/or disputes arising out of or relating to TOS, or the relationship between you and Company shall be filed in the courts having jurisdiction within the County of Oakland, Michigan or the U.S. District Court located in said state. You and Company agree to submit to the jurisdiction of the courts as previously mentioned and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to the venue in such courts.
WAIVER AND SERVABILITY OF TERMS:
At any time should Company fail to exercise or enforce any right tor provisions of the TOS, such failure shall not constitute a waiver of such right or provisions. If any provisions of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties; intentions as reflected in the provisions, and the other provisions of the TOS remain in full force and effect.
NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITY
You acknowledge, understand and agree that your account is non-transferable and any right to your ID and/or contents within your account shall terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.
STATUE OF LIMITATIONS
You acknowledge understand and agree that regardless of any statutes or law to the contrary, any claim or action arising out of related to the use of our services or the TOS must be filed within 3 years after said claim or cause of action arose or shall be forever barred.
Please report ant and all violations of this TOS to Company as follows:
Best Rate Loan, LLC
1935 VIlla Rd
Attn: Copyright Agent