Your access to and use of the site is subject to the following terms and conditions and all applicable laws. By accessing and browsing this site, you accept, without limitation or qualification, the terms and conditions and acknowledge that the terms of any other agreements between you and $company_name that are contrary to these terms of use are superseded and of no force or effect.

TERMS & CONDITIONS

1. You should assume that everything you see or read on the site is copyrighted by $company_name unless otherwise noted and may not be used except as provided in these terms and conditions or in the text on the site without the written permission of $company_name. $company_name does not warrant nor represent that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with $company_name.

2. While $company_name uses reasonable efforts to include accurate and up-to-date information in the site, $company_name makes no warranties or representations as to its accuracy. $company_name assumes no liability or responsibility for any errors or omissions in the content of the site. Calculations may not match actual mortgage figures due to rounding procedures, mortgage insurance, and other finance charges.

3. Your use of and browsing in the site are at your risk. Neither $company_name or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of the site. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE SITE IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. $company_name also assumes no responsibility, and shall not be liable for, any damages to, or viruses, or other harmful components that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site. Please note that some jurisdictions may not allow the exclusion of implied warranties or the limitation of liability, so some of the above exclusions or limitations may not apply to you.

4. Any communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, nonconfidential and nonproprietary, unless otherwise specifically indicated on our Privacy Policy. Anything you transmit becomes the property of $company_name , and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, $company_name is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

5. Images of people or places displayed on the site are either the property of, or used with permission by $company_name . The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos, and service marks (collectively the "trademarks") displayed on the site are registered and unregistered trademarks of $company_name . Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the written permission of $company_name or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that $company_name will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. $company_name has not reviewed any or all of the sites linked to the site and is not responsible for the content, advertising, products, services or material on or available from any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages or other sites is at your own risk.

8. $company_name reserves the right in its sole discretion to revise or delete any documents or content of this web site.

9. $company_name 's Privacy Policy, as it may be changed from time to time, is part of these Terms of Use.

10. The loans offered through this web site are residential mortgage loans and are available only to creditworthy citizens and other legal residents of the United States, aged 18 years of age or older. The property that will secure the loan must be a single-family residential property located in one of the 50 United States or the District of Columbia. Although $company_name is authorized to make single-family residential mortgage loans in all 50 United States and the District of Columbia, not all loans are available at all times in all geographic areas. $company_name reserves the right to determine the eligibility for any loan or other product or service.

11. These Terms of Use and your use of this web site shall be governed by the laws of the State of Colorado exclusive of conflicts of laws principles, and venue for any action relating to this site or these terms of Service shall be located in Denver, Colorado. These Terms of Use are the entire agreement between you and $company_name concerning your use of this site. If any provision of these Terms of Use is held invalid or unenforceable, the remaining provisions will remain in effect.

12. $company_name maintains this site for your personal entertainment, information, education and communication. Please feel free to browse the site. You may not distribute, modify, transmit, reuse, post to, repost, or use the content of the site for public or commercial purposes, including the text and images, without written permission from $company_name . Any downloading, printing or copying from this site must be for your personal use only

13. $company_name may at any time revise these terms of use by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms of use to which you are bound.