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Terms Of Use

Home Mortgage Alliance, LLC NMLS# 1137507 (www.nmlsconsumeraccess.org) operates only under its legal name in Colorado and Wyoming and also under the trade name of Equity Mortgage Group in Oregon and Washington. Headquarters: 4601 DTC Blvd, Suite 150, Denver, CO 80237. This is not a commitment to lend. Program restrictions apply. Equal Housing Lender. Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act RMLA #41-FBO-59336. Washington Consumer Loan Company License #CL-1137507.

The following Terms of Use ("Terms") relate to www.homemortgagealliance.com (the "Website") and any pages within the Website. Please read these Terms carefully. By accessing the Website and any pages within the Website, you agree to be bound by these Terms. IF YOU DO NOT AGREE WITH ANY OF THE TERMS, DO NOT USE THIS WEBSITE.

The information on the Website, including the Terms, is subject to change at the sole discretion of Home Mortgage Alliance, LLC. Any change to the Terms is effective upon posting to the Website and the continued use of the Website after such change indicates that you agree to be bound by the revised Terms.

Content

The Website is owned and operated by Home Mortgage Alliance, LLC. Any and all content on the Website, exclusive of linked websites owned and operated by third parties, is the property of Home Mortgage Alliance, LLC and is protected by copyrights, trademarks, service marks and/or other intellectual property rights. You may not republish in any medium any trademark, service mark or copyrighted material appearing on the Website without the prior written consent of an officer of Home Mortgage Alliance, LLC. You may not alter the content of the Website in any way, nor may you use the Website in a manner that could damage or disrupt the operation of the Website.

The Website is intended to provide users with information about mortgage products offered by Home Mortgage Alliance, LLC. Not all products and services are available in all geographic areas. The Website does not constitute a solicitation by Home Mortgage Alliance, LLC to any person to obtain any product or service that is prohibited by law, including, but not limited to, geographic areas where Home Mortgage Alliance, LLC is not licensed to provide such products or services.

The Website also contains tools and articles that may assist users in identifying their mortgage lending needs. No information contained on this Website constitutes legal advice or tax advice. Home Mortgage Alliance, LLC does not guaranty the accuracy or applicability of any of the calculations performed by the self-help tools accessed through the Website.

By using the Website, you agree that you will not use the Website or any information generated by or through the Website for any purpose that is unlawful or prohibited by the Terms.

Links to Third Party Websites

The Website may allow you to access information from third party websites. These websites are governed by their own terms of use and policies, and Home Mortgage Alliance, LLC makes no warranties concerning the accuracy, completeness, reliability or suitability of such sites. Links to third party websites from the Website do not constitute an endorsement of any opinions, products or services offered on such sites.

HIPPA

Disclosure

Medical and Health Information We do NOT share any medical or health information among our family of companies or with third parties, except to process transactions or to provide services you have requested or initiated.

Reporting Incorrect Information

If you believe any information we have about you or your relationship with us is incorrect, please notify us at once. We will take prompt action in making the appropriate corrections. You may contact us by phone at (972) 599-5510, or by mail at the following address: Guaranteed Rate, attn: Chief Legal Officer or Deputy General Counsel, 401 E. Corporate Drive, Suite 150, Lewisville, TX 75057

Warranty and Liability Disclaimer

THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE ARE PROVIDED "AS IS." HOME MORTGAGE ALLIANCE, LLC DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

YOU EXPRESSLY AGREE THAT NEITHER HOME MORTGAGE ALLIANCE, LLC NOR ANY OF ITS EMPLOYEES OR AGENTS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPEICAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES BASED ON OR RESULTING FROM THE USE OR ATTEMPTED USE OF THE WEBSITE OR ANY LINKED SITE.

Jurisdiction and Venue

The Website is operated by Home Mortgage Alliance, LLC from its offices in Denver, Colorado. Access to, and use of, the Website, including these Terms, are governed by all applicable Federal law and the laws of the State of Colorado. The user agrees that any action related to the content or use of the Website will be brought in state or federal court located in Denver, Colorado. If any provision of these Terms is found to be unlawful, void or unenforceable, the provision will be deemed severable from the Terms and shall not affect the validity and enforceability of the remaining Terms.

Access, Registration, and Submissions of Information

In order to access this Site or some of the resources offered herein, you may be invited to register personal or business information. This will allow Home Mortgage Alliance to tailor its Services to your personal needs and alert you to other products and Services that may be helpful to you and/or your business.

Your continued use of this Site is conditioned upon the correct, current, and complete provision of any such information. If Home Mortgage Alliance believes that the information you provide is not correct, current, or complete, Home Mortgage Alliance retains the right to refuse you access to this Site or to any of its resources, and to terminate or suspend your access at any time and without prior notice.

As a convenience to you, any information you provide through this Site may be kept in a profile for you and/or your business. This profile and any of the information you provide will be protected to the extent described in our Privacy Policy.

If you are enrolled in any online services provided by Home Mortgage Alliance, your use of those Services is governed by the agreement executed upon consummation of your enrollment (the “Agreement”), which incorporates these Terms of Use by reference. If there is any conflict between these Terms and the Agreement, the Agreement controls.

You hereby grant to Home Mortgage Alliance the royalty-free, perpetual, irrevocable, complete, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, distribute, and display all content, remarks, suggestions, ideas, or other information communicated by you to Home Mortgage Alliance through this site, (together, “Submissions”), and to incorporate any Submissions in other works in any form, media, or technology now known or later developed. Notwithstanding the provisions set forth in the Privacy Policy, Home Mortgage Alliance will not be required to treat any Submission as confidential, and may use any Submission in its business without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Home Mortgage Alliance operations.

Home Mortgage Alliance reserves the right to modify or terminate the Services and this Site or to modify or terminate your access to the Services and Site, in whole or in party, at any time and without prior notice.

Restrictions on Use

You may use this site for purposes expressly permitted in this Agreement. As a condition of this Agreement, you warrant to Home Mortgage Alliance that you will not use the Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices or state or federal law.

You may not participate in or authorize any party to participate in activities including but not limited to co-branding, framing, or hyperlinking to this Site without the express prior written permission of an authorized representative of Home Mortgage Alliance. “Co-branding,” for the purposes of this Agreement, means the display of a name, logo, trademark, or other means of attribution or identification of one party in such a manner as is reasonably likely to give a viewer the impression that such other party has the right to display, publish, or distribute content from or accessible within this Site. You may not use the Site or Services in any way which could disable, overburden, damage, or impair the Site, or interfere with any other party’s use and enjoyment of the Site.

This Site is for your personal and non-commercial use, except where otherwise specified. You may not use this site for any purpose other than those specifically allowed in this Agreement. You may not modify, copy, distribute, display, send, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, content, software, products or services obtained from or otherwise connected to this Site. You may not obtain or attempt to obtain any materials, content, or information through any means not intentionally made available or provided for through the Site.

Trademarks, Copyrights, and Other Proprietary Information

All of the pages, screens, material, and content accessible from this Site (the “Content”) is the proprietary information of Home Mortgage Alliance or the party that provided or licensed the Content to Home Mortgage Alliance, whereby Home Mortgage Alliance or the providing party retains all rights, title, and interest in the Content. The Content is protected by United States copyright laws and international treaties. The Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Home Mortgage Alliance.

The above provisions do not affect your right to print a copy of the Content solely for personal use. In doing so, however, you may not remove, alter, or cause to be removed or altered, any trademark, trade name, service mark, or other proprietary notice or legend appearing on the Content. Modification or use of the Content except as expressly provided in this Agreement is a violation of Home Mortgage Alliance’ intellectual property rights. Neither title nor intellectual property rights are transferred to you by granting you access to this Site.

Trademarks, service marks, logos, and copyrighted works appearing on the Site are property of Home Mortgage Alliance or the party that provided the trademarks, service marks, logos, or copyrighted works to Home Mortgage Alliance. Home Mortgage Alliance and such parties retain all rights associated with any of the respective trademarks, service marks, logos, and copyrighted works appearing on the Site.

If you believe in good faith that materials available on this or any other Home Mortgage Alliance Site infringe your copyright, you may send Home Mortgage Alliance a notice requesting removal of such material. If you believe in good faith that Home Mortgage Alliance or one of its third-party affiliates has wrongfully filed a notice of copyright infringement against you related to this Site, the Digital Millennium Copyright Act provides that you may send to Home Mortgage Alliance a counter-notice. Details on notices and counter-notices are available on the United States Copyright Office website at www.copyright.gov.

The Site may be hyper-lined to other sites which are not maintained by or related to Home Mortgage Alliance. Such hyper-links are provided as a Service to users and are not sponsored by or affiliated with Home Mortgage Alliance. Home Mortgage Alliance has not reviewed any or all of such sites and is not responsible for the content of those sites.

Use of Communication Services

The Site may contain or provide access to forums, bulletin or chat services, message boards, and/or other message or communication facilities (collectively, “Communication Services”). Home Mortgage Alliance makes no warranty that these Communication Services will be available at any particular time or will be free of fault or error. These Communication Services are provided as a convenience to facilitate your understanding and use of Home Mortgage Alliance’ products and services. You will not use these Communication Services to send any abusive, defamatory, dishonest, or obscene message, to transmit any proprietary material belonging to another party, that violates any law or may be considered to violate any law, or that advertises or engages in commercial activity. Violation of this section may result in terminating your use of the Communication Services.

Home Mortgage Alliance reserves the right to monitor use of this site to determine compliance with this Agreement, as well as the right to remove or refuse any information for any reason. Home Mortgage Alliance reserves the right to terminate your access to any and/or all Communication Services at any time, for any reason, and without advance notice. Home Mortgage Alliance also reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process of governmental request, or to edit or remove any information transmitted through the Communication Services, in whole or in part, in its sole discretion. Materials submitted through a Communication Service may be subject to limitations on use, reproduction, and dissemination and you are responsible for abiding by such limitations.

Notwithstanding the above provisions, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Home Mortgage Alliance nor any third party affiliate of GR Alliance will assume any liability related to any action or inaction by Home Mortgage Alliance or such third party with respect to your submissions and use of the Communication Services. Home Mortgage Alliance specifically disclaims any liability with respect to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Home Mortgage Alliance spokespersons, and their views do not necessarily reflect those of Home Mortgage Alliance.

Limitations on Liability

Home Mortgage Alliance, its subsidiaries, affiliates, employees, agents, officers, and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages. Even if Home Mortgage Alliance has been advised of the possibility of such damages, in no event will the collective liability of Home Mortgage Alliance and its subsidiaries, affiliates, employees, agents, officers, and directors to any party exceed the greater of $100 or the amount you have paid to Home Mortgage Alliance for the applicable content or service out of which liability arose.

You will indemnify and hold Home Mortgage Alliance, it subsidiaries, affiliates, employees, agents, officers, directors and contractors (the “Indemnified Parties”) harmless from any breach of this Agreement by you, including any use of Content other than expressly authorized I this Agreement. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. The Indemnified Parties shall also be held harmless from and against any claims brought by third parties arising out of your use of this site.