PRIVACY POLICY

MortgageAmerica, Inc knows you expect privacy and security for your personal financial information.  Our Privacy Policy is our pledge to safeguard the personal information you entrust to us and to inform you of the type of information we collect, how we use the information and the circumstances under which we share that information.

Information we collect:

MortgageAmerica, Inc. will collect nonpublic personal information about you only where we reasonably believe the information will be necessary or useful in processing or administering your loan, or providing products, services or other opportunities that we think will be of interest to you.  In this notice, the term nonpublic personal information refers to information about you that we receive from the sources described below and that is not otherwise lawfully available to the general public.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on application or other forms;
• Information about your transaction with us or others;
• Information we receive from a consumer reporting agency.

Information we disclose:

We may disclose all of the information that we collect as described above.  After you are no longer a customer of MortgageAmerica, Inc., we will continue to treat the nonpublic personal information we have about you as if you were still our customer.

Persons to whom we disclose:

We may disclose nonpublic information to the following types of third parties:

• Financial service providers such as mortgage bankers, securities broker-dealers and insurance agents.
• We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.
• We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Protecting your information:

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Terms of Use and Legal Notices

ATTENTION:  PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEB SITE.  USING THIS WEB SITE INDICATES THAT YOU ACCEPT THESE TERMS.  IF YOU DO NOT ACCEPT THESE TERMS (TERMS), DO NOT USE THIS SITE.

Use of Site.  MortgageAmerica, Inc. authorizes you to view and download the materials at this web site and other  MortgageAmerica web sites that are linked to this site or affiliated with this site (Site), under the condition that all the information, communications, software, scripting, photos, text, video, graphics, sounds, images and other materials and services found on the Site (collectively Content), is intended only for your personal, non-commercial use, and provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials.  You may not modify the Content at this Site in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose. For purposes of these Terms, any use of this Content on any other Web site or networked computer environment for any purpose is prohibited. 

Copyright Notice.  Copyright 2006 MortgageAmerica, Inc.  All Rights Reserved. The copyright in all material provided within the Site is held by MortgageAmerica or is used under license from the original creator of the work.  Except as stated herein or otherwise noted on the web pages within the Site, none of the Content may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise without the prior written permission of the copyright owner.

Trademarks and Service Marks.  There are a number of proprietary logos, service marks, trademarks, slogans and product designations found on this Site.  By making them available on this Site, MortgageAmerica is not granting you a license to use them in any fashion.  Access to this Site does not confer upon you any license under any of MortgageAmerica or any third partys intellectual property rights.  MortgageAmerica trademarks may be used publicly with permission only from MortgageAmerica.  Fair use of MortgageAmerica trademarks in advertising and promotion of MortgageAmerica's products or services requires proper acknowledgment.  No MortgageAmerica trademark or service mark may be used as a hyperlink without MortgageAmerica's prior written permission.

User Submissions.  Other than personally identifiable information, which is covered under the MortgageAmerica's Privacy Policy, any material, information or other communication you transmit or post to this Site will be considered non-confidential and non-proprietary (Communications). MortgageAmerica will have no other obligations with respect to the Communications, other than the understanding that your personally identifiable information you submit to us shall be treated in accordance with our Privacy Policy.  For any Communications you do send, you hereby grant MortgageAmerica and its designees an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute the Communications for any and all commercial or non-commercial purposes, and agree that MortgageAmerica is free to use any ideas, concepts, know-how or techniques that you send MortgageAmerica for any purpose whatsoever without compensation to you or any other person sending the Communication.  You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or any other material that would violate any law, or that could give rise to any civil or criminal liability under the law.

Links to Third Party Web Sites.  This Site may provide links to other third-party web sites or resources.  Such links to third party web sites on this Site are provided solely as a convenience to you, and do not constitute or imply an endorsement, sponsorship or recommendation of, or affiliation with the third party or its products and services.  MortgageAmerica has not reviewed all of these third party sites and does not control and is not responsible for any of these sites or their content.  Thus, MortgageAmerica makes no representations whatsoever about any other web site which you may access through this Site, or any information, software or other products or materials found there, or any results that may be obtained from using them.  If you decide to access any of the third party sites linked to this Site, you acknowledge and agree that MortgageAmerica is not responsible for the availability of such external sites or resources and is not responsible or liable for any Content, advertising, products, services or other materials on or available from such sites or resources.  It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature, and you do so entirely at your own risk.  Accordingly, you agree that MortgageAmerica shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party materials, content, products or services available on or through any such site or resource.

Disclaimer.  THE MATERIALS AND SERVICES PROVIDED AT THIS SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY.  MortgageAmerica DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE AVAILABILITY, USE, TIMELINESS, SECURITY, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECITING, THE CONTENT OF THE SITE OR ANY OTHER WEB SITE LINKED TO OR FROM THE SITE.  BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.  Any material downloaded or otherwise obtained through the use of the site is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, or use of this site.  Information published at this Site may refer to products, programs or services that are not available in your country.

Limitation of Liability.  IN NO EVENT WILL MORTGAGE America, OR OTHER THIRD PARTIES MENTIONED AT THIS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION, OR CAUSED BY OR RELATED TO ERRORS, OMISSIONS, INTERRUPTIONS, DEFECTS, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE FAILURE, AND ALL OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS, INFORMATION OR SERVICES FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.  NOTWITHSTANDING THE FOREGOING, MORTGAGE America TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION, INCLUDING BUT NOT LIMITED TO THOSE BASED ON CONTRACT, TORT OR OTHERWISE, ARISING OUT OF YOUR USE OF THIS SITE, ITS CONTENT OR LINKS, SHALL NOT EXCEED THE AMOUNT YOU PAID TO ACCESS THIS SITE.

GENERAL TERMS

Applicable Laws.  This Site is controlled by MortgageAmerica from its offices within the United States of America.  MortgageAmerica makes no representation that the Content in this Site is appropriate or available for use in locations other than the United States, and access to them from territories where their content is illegal is prohibited.  Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws.  You may not use or export the Content in violation of U.S. export laws and regulations.  Any claim relating to the Content shall be governed by the internal substantive laws of the State of Alabama.  By using this Site, and agreeing to the Terms, you agree to be subject to personal jurisdiction in the Federal and State courts of the State of Alabama.

Termination.  MortgageAmerica, in its sole discretion, may terminate or restrict your use or access to this Site (or any part thereof) for any reason, including, without limitation, if MortgageAmerica believes you have violated or acted inconsistently with the letter or spirit of these Terms, or if you are in breach of the terms of these Terms.  Upon termination, you will immediately destroy any copies of Content of this Site, whether in printed or software format.

Notices.  Notices to you may be made via either email or regular mail.  MortgageAmerica may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you generally on the Site.

Revisions.  MortgageAmerica may make changes to the materials and services at this Site, or to the products and prices described in them, at any time without notice. You should visit this page from time to time to review the then-current Terms because they are binding on you.  Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site.  The materials and services at this Site may be out of date, and MortgageAmerica makes no commitment to update the materials and services at this Site.