Contents of LoanGal.com are © Copyright 2000 - 2005, all rights are reserved, and may not be reproduced in any form in part or whole without permission. Any trademarked names mentioned without accompanying trademark symbol in this website are the property of their respective owners and are used only in editorial fashion without intent of infringement of such trademarks. LoanGal.com are totally independent of, and do not endorse any company or product. LoanGal.com and its activities, including this site, are supported financially solely by LoanGal.com.

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LoanGal.com cannot vouch for reported product or service claims. All stated product and services, including prices, unless stated otherwise, are list prices in U.S. dollars, and are current as of the initial time of publication.  LoanGal.com is provided free to our readers for personal use, information, education, and communication. You may download material displayed on this site for non-commercial and personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, re-post, or use the content of the Site for public or commercial purposes, including the text, images, audio, and video without the express permission from LoanGal.com.

You should assume that everything you see, read or hear at LoanGal.com is copyrighted unless otherwise noted and may not be used without the written permission of LoanGal.com. Also, LoanGal.com neither warrants nor represents that your use of materials displayed on this site will not infringe on rights of third parties not owned by or affiliated with LoanGal.com.

While LoanGal.com uses reasonable efforts to include accurate and up to date information in this publication, LoanGal.com makes no warranties or representations as to its accuracy. LoanGal.com assumes no liability or responsibility for any errors or omission in the content of the Site. Your use of and browsing of LoanGal.com are at your risk. Neither LoanGal.com nor any other party involved in creating, producing, or delivering this site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of LoanGal.com.

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READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE.

By using this site, you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use the site. We reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. Please check these terms periodically for changes. Your continued use of LoanGal.com following the posting of changes to these terms will mean you accept those changes.

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Restrictions on Use of Materials

This site is owned and operated by LoanGal.com (referred to as "LoanGal.com," "we," "us," or "our" herein). No material from LoanGal.com) may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, non-commercial home use only, provided you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of LoanGal.com copyright and other proprietary rights. For purposes of these terms, the use of any such material on any other Web site or networked computer environment is prohibited. All trademarks, service marks, and trade names are proprietary to LoanGal.com and/or their respective authors

In the event you download software from the site, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are licensed to you by LoanGal.com. LoanGal.com does not transfer title to the Software to you. You own the medium on which the Software is recorded, but LoanGal.com retains full and complete title to the Software, and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-perceivable form.

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Forums and Public Communication

"Forum" means a chat area, bulletin board, or e-mail function offered as part of LoanGal.com. You shall not upload to, distribute through, or otherwise publish through LoanGal.com any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offense, violate the rights of any party, or that would otherwise give rise to liability or violates any law.

The Forums shall be used only in a noncommercial manner. You shall not, without our express approval, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other LoanGal.com guests or customers to join or become members of any commercial online service or other organization is expressly prohibited.

It is our policy to respect the privacy of all guests. Therefore, in addition to the privacy of Registration data, (see our Privacy Policy), we will not monitor, edit, or disclose the contents of a guest's e-mail unless required in the course of normal maintenance of LoanGal.com and its systems or unless required to do so by law or in the good-faith belief that such action is necessary to: (1) comply with the law or comply with legal process served on LoanGal.com; (2) protect and defend the rights or property of LoanGal.com; or (3) act in an emergency to protect the personal safety of our guests or the public. Guests shall remain solely responsible for the content of their messages.

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Jurisdictional Issues

This site is controlled and operated by LoanGal.com from its offices within the State of California, United States of America. LoanGal.com makes no representation that materials in the site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Software from this site is further subject to United States export controls. No software from this site may be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list.

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Termination

These terms are effective until terminated by either party. You may terminate these terms at any time by destroying all materials obtained from LoanGal.com and all related documentation and all copies and installations thereof, whether made under the terms of these terms or otherwise. These terms will terminate immediately without notice from LoanGal.com if in LoanGal.com's sole discretion you fail to comply with any term or provision of these terms. Upon termination, you must destroy all materials obtained from this site and all copies thereof, whether made under the terms of these terms or otherwise.

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Disclaimer

THE MATERIALS IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, LoanGal.com DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LoanGal.com DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. LoanGal.com DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT LoanGal.com) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

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Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL LoanGal.com BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS SITE, EVEN IF LoanGal.com AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL LoanGal.com's TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

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Other Terms and Conditions

These terms shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the state or federal courts located in Los Angeles County and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between us relating to the subject matter herein and shall not be modified except in writing, signed by both parties.

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Online Privacy Policy

The policies below are applicable to LoanGal.com, a site on the World Wide Web, owned and operated by LoanGal.com.

LoanGal.com collects personally identifying information only during (i) contest or sweepstakes registration, (ii) online loan applications and (iii) subscription registration for sites which require subscription. In addition, information is collected in certain portions of sites in which guests specifically and knowingly provide such information along with content submissions, community postings (i.e., chat or bulletin boards), suggestions, or voting. LoanGal.com may use such information for editorial and feedback purposes. Guests' e-mail addresses are never posted on Loangal.com

Information submitted at the time of registration or submission may be used for marketing and promotional purposes by LoanGal.com. If a guest objects to such use for any reason, he / she may stop that use - either by e-mail request or by modifying his/her registration information online.

By using this site, you signify your assent to the LoanGal.com's Privacy Policy. If you do not agree to this policy, please do not use the site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page periodically for changes. Your continued use of LoanGal.com following the posting of changes to these terms will mean you accept those changes.

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