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TERMS OF USE AGREEMENT


YOUR USE OF THIS SITE CONSTITUTES ACCEPTANCE AND AGREEMENT OF THE FOLLOWING TERMS.

Terms of Use Agreement sets forth the terms and conditions for your use of this web site. The site is owned and operated by United Pacific Lending Incorporated "UPL". By using the site , you agree to be bound by this Agreement. If you do not agree to be legally bound by this Agreement, you should exit this site immediately.

UPL reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the site . You should check this Agreement periodically for changes. Changes shall be effective upon posting. Your continued use of the site after any changed to this Agreement constitutes your agreement to be bound by any such changes. UPL may terminate, suspend, change, or restrict access to all or any part of the site without notice or liability.

RESTRICTIONS ON THE USE OF SITE CONTENT

All programming, code, text, data, articles, photos, images and other information on the site is owned by UPL and is protected by U.S. and International copyright laws and treaties. All users acknowledge the content is and shall remain the property of UPL. You may not copy, modify, transmit, participate in the sale or transfer of, or create derivative works based on any code, programming, or content in whole or in part. Except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. - 107), as amended, and then, only with notices of our proprietary rights.

COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the site infringe your copyrights, notifications of claimed copyright infringement should be sent, in accordance with Title 17, United States Code, Section 512(c)(2) (under the "Digital Millennium Copyright Act") to the UPL's designated agent. Notification should include:

  • original physical signature of the person authorized to act on behalf of the owner of the copyright interest
  • description of the copyrighted work that you claim has been infringed
  • description of where the material you claim is infringing is located on the site
  • statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law
  • statement made under penalty of perjury, that the above information in your notice is accurate
  • proof of copyright owner and/or proof of duly authorized to act on the copyright owner's behalf

NO WARRANTY AND LIMITATION OF LIABILITY

Under no circumstances will UPL parties be liable for any damages including general, special, direct, indirect, incidental, consequential, punitive or any other damages. Including, without limitation, loss profits or business interruption, of any kind. weather in an action in contract or negligence arising out of, or relating to in any way to your use, or inability to use, the site, including 3rd party sites providing service. The UPL parties shall not be liable for any defamatory, offensive or illegal conduct of any user or servicer of the site. If the foregoing limitation is found to be invalid, you agree that all UPL parties are without liability for any/all damages, losses, or causes of action of any kind or nature shall be limited to the greatest extent permitted by applicable law.

INDEMNIFICATION

You agree to indemnify and hold harmless UPL from and against any and all claims, losses, expenses, demands or liabilities, including attorneys' fees and costs, incurred by UPL. Parties in connection with any claim by a third party (including any intellectual property claim arising out of (i) materials and content you submit, post to or transmit through the site , or (ii) your use of the site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate as reasonably required in the defense of any such claims. UPL reserves the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of UPL. You further agree to indemnify and hold harmless UPL from any claim arising from a third party's use of information or materials of any kind from service providers on the site.

Mortgage Loan Services

The Website may include services for mortgage loans made on real property. Loans may only be made on residents of and secured by real property located in states where we are licensed or authorized.

UPL does not guarantee acceptance into any particular loan program or specific loan terms or conditions. UPL does not guarantee that the loan terms or rates presented are the best terms or lowest rates available in the market. UPL encourages you to shop and make specific comparisons for the best product that suit your personal needs. All offers are generally subject to market conditions, submission of a full application, loan approval, and qualification. The rates and fees may be higher or lower than initially quoted depending on your complete credit profile, Debt to Income Ratio "DTI", Fair Isaac and Company "FICO" Score, Loan to Value "LTV", income, collateral, asset considerations and other considerations on a case by case basis. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock agreement.

Limitation of Liability

You expressly agree that your use of the UPL site is at your sole risk. Under no circumstances shall UPL or its parents, affiliates, subsidiaries, officers, employees, agents, partners, and licensees be liable for any cost, claims damages, losses, or expenses of any kind arising in connection with your access to, us of, or inability to use the UPL site or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, including, but not limited to: direct, indirect, incidental, consequential, and punitive damages. Even if UPL or an authorize representative have been advise of the possibility of such damages.

Any attempt to discover or view source code is a violation of this site and will be viewed as an intent to violate your agreement. All Code is proprietary, copying proprietary software is illegal any modification and use of the source code is grounds for legal and/or criminal prosecution. You agree to use the content as intended, any other attempt will be considered an attempt to violate or "hack" the site for unlawful purposes. Any attempt to access code, make erroneous submissions, hijack sessions will be considered a violation of site usage and precieved as breach of disclosure. You are prohibited from any use of the content , code, or programming on the site that would constitute an illegal offense, give rise to liability or otherwise violate any applicable local, state, national or international law or regulation.

UPL makes much asserted effort to keep Internet traffic outside of the United States from access. UPL also makes considerable effort to restrict bot access.

TERMINATION

This Agreement is effective until terminated by UPL and may occur any time without notice. UPL may suspend or terminate your access and use of the site at any time, with or without cause or justification to you, in UPL 's absolute discretion with or without notice. The following paragraphs of this Agreement shall survive termination of your use or access to the site : paragraphs concerning indemnification, warranty, limitations of liability, applicable law and dispute resolution, and any other provision that by its terms survives termination of your use or access to the site .

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