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TERMS OF USE AND DISCLOSURES
Agreement Between You and Prime Lend America Mortgage Corporation
By accessing this website you (meaning any individual whose name is
used in the prequalification pages, jointly and severally; also
referred to herein as "your") agree to and accept, without
modification, the terms, conditions, and notices contained in this
Agreement. We reserve the right to revise these Terms of Use and
Disclosures from time to time without notice by posting such change on
the site. Any such change will be effective immediately upon posting
on this website. If you do not wish to be bound by these terms and
conditions, you may not access or use this website. Further, these
terms and conditions apply exclusively to your access to, and use of,
this website and do not alter in any way the terms and conditions of
any other agreement you may have with us. Notwithstanding any of these
terms and conditions, we reserve the right, without notice and in our
sole discretion, to block or prevent future access to and use of this
website.
You acknowledge that this is NOT an application for credit.*YOU
UNDERSTAND THAT YOU WILL HAVE TO COMPLETE AN APPLICATION WITH US AND
FULFILL ALL OF THE REQUIREMENTS OF THE APPLICATION BEFORE WE WILL
CONSIDER THAT AN APPLICATION HAS BEEN MADE TO US AND BEFORE WE WILL
EXTEND TO YOU A LOAN OFFER.*
You authorize Prime Lend America Mortgage Corporation to contact you
regarding your online mortgage request.
Federal Disclosures
As mandated by federal law, we are required by the Truth in Lending
Act (TILA) and, for loans secured by real property, the Real Estate
Settlement Procedures Act (RESPA) to provide the following information
to you only if an application, as described above, is made:
* Good faith estimates of your settlement cost
* Federal booklet entitled "Consumer Handbook on Adjustable-Rate
Mortgages" and our ARM Loan Program Disclosure Statement
* Notices concerning possibility of your mortgage loan servicing
being transferred to another institution
* Your right to a copy of any appraisal, if any, performed on your
home
The federal Equal Credit Opportunity Act prohibits creditors from
discriminating against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age (provided the
applicant has the capacity to enter into a binding contract); because
all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith
exercised any right under the Consumer Credit Protection Act. The
federal agency that administers compliance with this law concerning
this creditor is The Office of the Comptroller of the Currency,
Customer Assistance Unit, 1301 McKinney Street, Suite3450, Houston, TX
77010-9050.
Security Policy
We are committed to protecting the security of your information. We
use sophisticated secure technology to protect your data and
transmissions.
* Information sent to us is scrambled by utilizing Secure Socket
Layers (SSL). This allows us to protect the information you send
and receive from us or our providers.
* All sensitive personal information sent or received will be
encrypted in our database.
* Our database is physically separated from our web server and is
protected by a physical firewall.
Although we have taken these steps to ensure that your personal
information is delivered and disclosed only to us, we cannot guarantee
that the personal information you provide will not be intercepted by
others.
Disclaimers and Limitations
We do not warrant that the information contained in this website is at
all times accurate and reliable; an error sometimes occurs. We
expressly disclaim any obligation to update the contents of this
website or to maintain uninterrupted access to this website. Reference
to any products, services, processes, or other information, by trade
name, manufacturer, supplier, or otherwise does not constitute or
imply endorsement, sponsorship or recommendation thereof by us.
*THIS WEBSITE AND THE MATERIALS CONTAINED ON THIS WEBSITE ARE PROVIDED
ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND,
WHETHER EXPRESS OR IMPLIED BY US. WE DISCLAIM ALL WARRANTIES, EXPRESS
OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND
NON-INFRINGEMENT. WE DO NOT REPRESENT OR WARRANT THAT MATERIALS IN
THIS WEBSITE ARE ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE. WE DO NOT
REPRESENT OR WARRANT THAT THIS WEBSITE OR ITS SERVER(S) ARE FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS. WE SHALL NOT BE LIABLE FOR ANY
DAMAGES, SERVICES, REPAIRS, OR CORRECTIONS THAT MUST BE PERFORMED ON
YOUR COMPUTER CAUSED BY YOUR USE OF THIS WEBSITE, INCLUDING ANY
INFECTION OF VIRUSES.*
*IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, OR
CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING BUT
NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER
IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO
NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH
THE USE OF THIS WEBSITE OR THE MATERIALS CONTAINED IN, OR ACCESSED
THROUGH, THIS WEBSITE.*
Links to Third Party Websites
From time to time, this website may contain links to other websites
maintained by third parties. We do not own, operate, or endorse these
websites. These links are provided for your convenience and reference
only. We have not reviewed all websites linked to this website and are
not responsible for the content of off-website pages. Linking to any
other websites is at your own risk. We do not make any representations
about, accept any liability for, or sponsor any of the programs,
information, content, or advertisements contained on, distributed
through, or linked, downloaded, or accessed from any linked websites,
nor the quality of any products, information, or other materials
displayed, purchased, or obtained by you therefrom or as a result of
an advertisement or offer thereon.
Errors and Delays
We are not responsible for any errors or delays in responding to a
prequalification form caused by incorrect information provided by you
or by other technical problems beyond our reasonable control.
Applicable Law
This Agreement shall be subject to the laws of the United States as
applicable to correspondent mortgage lenders , and to the extent said
laws do not apply, then this Agreement is governed by the laws of the
State of Florida, applicable to agreements made and entirely to be
performed within such state, without resort to its conflict of law
provisions. You agree that any action at law or in equity arising out
of or relating to these terms and conditions shall be filed only in
Florida state court or federal court located in Florida and you
hereby irrevocably and unconditionally consent and submit to the
exclusive jurisdiction or such courts over any suit, action or
proceeding arising out of this Agreement or the terms and disclosures.
Reservation of Rights
The availability of any logos, graphics, or icons through this website
shall under no circumstance constitute a transfer of any copyrights,
trademarks, or other intellectual property rights of us to any website
user or third party. The Prime Lend America and Iknowmyscore.com
website logo may not be copied, imitated, or used without the express
prior written permission of Prime Lend America . Other products and
companies referred to herein are trademarks or registered trademarks
of their respective companies or mark holders.
Copyright and Trademark Notices
All contents of this website are: Copyright ¿ 2006 PLAMCO. All rights
reserved.
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