Terms of Use
This Web site is provided by Exclusive Loan Consultants or “ELC” for general informational purposes only. By continuing your use of our Web site or downloading information or materials from our Web site, you agree to abide by these Terms of Use.
Changes to the Terms of Use
The effective date of these Terms of Use is October 4, 2009. We reserve the right, at our sole discretion, to change, update, add or remove any portion of the Terms of Use at any time by posting the changes to the Terms of Use on our Web site, which will be effective immediately. Please review the Terms of Use each time you visit our Web site. Your continued use of our Web site after any changes to the Terms of Use are posted will be considered acceptance of such changes.
Intellectual Property Rights - Limited License
We grant you a revocable, non-exclusive, non-transferable, limited right to access, use and display our Web site and the information and materials provided on our Web site (“Information”) only pursuant to the terms and conditions of the Terms of Use. Title to the Information remains with us or with the respective owners of such Information at all times. The rights-free images used on the Web site were purchased from iStock Photography for use by Exclusive Loan Consultants. These images cannot be copied from our site for another use, and must be purchased directly from the owner, iStock Photography.
We authorize you to access, use and display the Information only for your personal use. This authorization is not a transfer of title in the Information or any copies of the Information.You must retain, on all copies of the Information downloaded, all copyright, trademark, logo and other proprietary notices contained in the Information, and you may not modify the Information in any way or reproduce or publicly display, distribute or otherwise use the Information for any public or commercial purpose. You agree to abide by all additional restrictions displayed on our Web site as it may be updated from time to time. Our Web site, including the Information, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of our Web site and to prevent any unauthorized copying of the Information. Except as expressly provided herein, we do not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. We reserve all rights not expressly granted to you herein.
You agree not to transmit any data to our Web site that you have reason to believe is infringing, obscene, threatening, libelous, or otherwise unlawful or tortious, including but not limited to material that is harmful to children or violative of third party privacy rights.Hacking, spamming, denial-of-service attacks and similar disruptive actions are prohibited.You agree not to imply any affiliation between you and Exclusive Loan Consultants without our prior written consent.You agree to remove any links you have to our Web site upon our request.
Proprietary Information
You agree not to send any confidential or proprietary information to us through our Web site. You agree that any information or materials that you or individuals acting on your behalf provide to us will not be considered confidential or proprietary. By providing any such information or materials to us, you grant to us (and to our successors and assigns) an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, display, publish, transmit and distribute such information and materials, and you further agree that we (and our successors and assigns) are free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to us through ours Web site. We do not want you to, and you warrant that you shall not, provide any information or materials to us that incorporates the proprietary information or material of any other party. Any personally identifiable information you may provide to us through our Web site is governed by our Privacy Policy.
Third Party Links
Our Web site may contain links to Web sites not operated by us. These links are provided for your convenience, but we do not review, control, or monitor the materials on any other Web sites. We make no warranty or representation regarding, are not responsible for, and do not endorse, any linked Web sites or any information appearing on, products or services described on, or security or privacy practices employed by such linked Web sites. Links do not imply that we endorse or are affiliated or associated with the entities operating the linked Web sites, or are legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked Web site is authorized to use any trademark, trade name, logo or copyright symbol of Exclusive Loan Consultants.
Disclaimer and Limitation of Liability
OUR WEB SITE AND THE INFORMATION MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL OR OTHER ERRORS. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION OR ANYTHING ON OUR WEB SITE OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED, DISTRIBUTED OR ACCESSED THROUGH OUR WEB SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT OR INFORMATION SHALL BE AT YOUR SOLE RISK. WE RESERVE THE RIGHT, IN OUR SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF OUR WEB SITE. WE MAY MAKE ANY OTHER CHANGES TO OUR WEB SITE AND THE INFORMATION AT ANY TIME WITHOUT NOTICE.
WE PROVIDE OUR WEB SITE AND ALL CONTENT, INFORMATION, AND DATA CONTAINED HEREIN ON AN “AS IS” BASIS, AND WE EXPRESSLY DISCLAIM ANY WARRANTY OR CONDITION, EXPRESS, MPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.
YOU AGREE THAT IN NO EVENT SHALL WE OR ANY OF OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR SUPPLIERS BE LIABLE TO ANY PERSON OR ENTITY UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) RELATED TO YOUR USE OR INABILITY TO USE OUR WEB SITE OR THE INFORMATION, CONTENT OR FUNCTIONS OF OUR WEB SITE OR ANY LINKED WEB SITE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Your sole and exclusive remedy under these Terms of Use is to discontinue accessing and using our Web site if we breach these Terms of Use or if you are dissatisfied with our Web site or with any term or condition of these Terms of Use.
Web site Availability and Changes
Our Web site may be unavailable from time to time due to mechanical, technical, software, hardware or third party vendor failures, updating or construction. We cannot predict or control when such downtime may occur and cannot control the duration of such downtime. We may terminate, change, suspend or discontinue any aspect of our Web site, including the availability of any features of our Web site, at any time. We may also impose limits on certain features and services or restrict your access to parts or all of our Web site without notice or liability. We may terminate the authorization, rights and license given above at any time.
Choice of Law
Our Web site is administered from our offices within the United States of America. We make no representation that any of the Information is appropriate or available for use at locations outside of the United States. Access to our Web site or the Information from territories where the content of our Web site is illegal is prohibited. You may not use our Web site or export the Information in violation of U. S. export laws and regulations. If you access our Web site from a location outside of the United States, you are responsible for compliance with all local laws, rules and regulations. These Terms of Use and our Privacy Policy shall be governed by the laws of the State of Florida, without giving effect to its conflict of laws provisions. You agree and irrevocably consent to the exclusive and sole jurisdiction of and venue in the federal or state courts located in Tampa, Florida. If any provision of these Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
Contact Information
If you have any questions about our Terms of Use, please click on the Contact link. We welcome any questions and suggestions about our Terms of Use.