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PRIVACY
- SECURITY AND DISCLAIMER STATEMENT
All materials presented on LoanResolve Technologies /LoanResolve.com are
presented as an author, publisher, distributor and seller of information
subject to Federal copyright protection. The views and opinions are
specifically presented from a mortgage lender's or servicer's perspective.
LoanResolve Technologies /LoanResolve.com does not attempt to collect debts and
does not provide bankruptcy assistance. The material is for informational
purposes only and the information is not to be construed or relied upon in any
way as legal or professional advice. LoanResolve Technologies /LoanResolve.com
strongly encourages you to consult legal counsel and other appropriate industry
professionals including working with your lender before adopting any of the
ideas or suggestions in this material, The information may or may not be
applicable to your specific situation. LoanResolve Technologies
/LoanResolve.com does not guarantee the accuracy of the information, and is not
liable for any damages, losses or other detriment that may result from the use
of the LoanResolve Technologies /LoanResolve.com website. In addition,
LoanResolve Technologies /LoanResolve.com does not guarantee the availability
and 100% functionality of the LoanResolve Technologies /LoanResolve.com website
at any time.
USER POLICY AND AGREEMENT
Please note: You have already accepted these Terms and Conditions. Your
acceptance was made prior to your initial visit to the LoanResolve Technologies
/LoanResolve.com Site.
Unless otherwise noted, the Materials and any intellectual property and other
rights relating thereto are and will remain the property of LoanResolve
Technologies /LoanResolve.com and its licensors and suppliers. The Materials
and the selection, compilation, collection, arrangement and assembly thereof
are protected by U.S. and international copyright, trademark and other laws,
and You acknowledge that these rights are valid and enforceable. The Materials
may be used solely to the extent necessary for Your authorized use of the Site,
as provided in the Rules or as expressly authorized in writing by LoanResolve
Technologies /LoanResolve.com or, if so indicated in writing by
LoanResolve.com, its licensors or suppliers.
The trademarks, logos, and service marks displayed on the Site (collectively
the "Trademarks") are the registered and unregistered trademarks of
LoanResolve.com, LoanResolve.com's licensors and suppliers, and others. The
Trademarks owned by LoanResolve Technologies /LoanResolve.com, whether
registered or unregistered, may not be used in connection with any product or
service that is not LoanResolve Technologies / LoanResolve.com's, in any manner
that is likely to cause confusion with customers, or in any manner that
disparages LoanResolve.com. Nothing contained on the Site or within the
Materials should be construed as granting by implication, estoppel or
otherwise, any license or right to use any Trademark without the express
written permission of LoanResolve Technologies /, LoanResolve.com's licensors
or suppliers, or the third party owner of any such Trademark. Misuse of any
Trademarks or any other Material is prohibited, and LoanResolve Technologies
/LoanResolve.com will aggressively enforce its intellectual property rights in
such Trademarks and Material, including via civil and criminal proceedings.
Confidentiality of Materials
The Site includes Materials that are confidential to LoanResolve Technologies
/LoanResolve.com and its licensors and suppliers. You should assume that the
Materials are confidential and proprietary unless otherwise indicated on the
Site or apparent from the nature of such Materials (for example, publicly
available forms or documents). You agree to maintain such Materials in
confidence, to use such Materials only as provided hereunder, and not to
disclose such Materials to third parties. This obligation will not apply to
Materials that LoanResolve Technologies /LoanResolve.com has made generally
available to the public.
Information Gathered From You By LoanResolve.com
All uses of any information collected by LoanResolve Technologies
/LoanResolve.com through the Site are subject to the terms of LoanResolve
Technologies /LoanResolve.com Privacy Policy.
Non-Personally Identifiable Information
LoanResolve Technologies /LoanResolve.com collects and aggregates information
indicating, among other things, the LoanResolve Technologies /LoanResolve.com
courses or lessons in which visitors to the Site enroll, whether or not
visitors to the Site complete the courses or lessons in which they enroll and
the degree of successful completion of the courses or lessons, the places
visited at the LoanResolve Technologies /LoanResolve.com web site and the
interactions with various people and material. The information LoanResolve
Technologies /LoanResolve.com collects helps LoanResolve Technologies
/LoanResolve.com identify the most popular areas of the Site, determine the
effectiveness of the LoanResolve Technologies /LoanResolve.com program and
build quality, more useful online services. LoanResolve Technologies
/LoanResolve.com uses this to perform statistical analyses of the collective
characteristics and behavior of visitors to the Site. LoanResolve Technologies
/LoanResolve.com may disclose some of this statistical information to others
involved in the mortgage industry to inform them of the number of people who
have participated in the LoanResolve Technologies /LoanResolve.com program and
to provide statistical data on the success of the LoanResolve Technologies
/LoanResolve.com program in achieving its goal of providing borrowers with
information on loss mitigation alternatives.
Personally identifiable information
In certain areas of the Site - for example, when registering to enroll in a
resolution or an educational course - LoanResolve Technologies /LoanResolve.com
requests that You provide LoanResolve Technologies /LoanResolve.com with
personally identifiable information. Specifically, if You seek to obtain
recognition from LoanResolve Technologies /LoanResolve.com or completing a
LoanResolve Technologies /LoanResolve.com course, You must submit to
LoanResolve Technologies /LoanResolve.com certain information. This may
include, without limitation, Your social security number, loan number,
telephone number, street address and e-mail address. LoanResolve Technologies
/LoanResolve.com uses this information to process and report Your progress to
various entities involved in the mortgage banking industry. LoanResolve
Technologies /LoanResolve.com will not provide this personally identifiable
information to any third party other than those third party contractors
responsible for the maintenance, care and support of this web site and the
mortgage banking entities related to your loan. In addition, LoanResolve
Technologies /LoanResolve.com requires that you provide LoanResolve
Technologies /LoanResolve.com with an email address at which LoanResolve
Technologies /LoanResolve.com may contact You. LoanResolve Technologies
/LoanResolve.com uses this information solely to allow LoanResolve Technologies
/LoanResolve.com employees or agents, and those mortgage banking entities or
those you contract with related to your loan, to contact you about your loan or
to help you with the use of this web site.
Your Submissions
Other than as specifically precluded from release as stated above, any
communication or material You send to the Site, electronically or otherwise,
including but not limited to responses to lesson exercises and tests, data,
questions, comments, suggestions or submissions (but excluding Your social
security number) (collectively, "Submissions"), is and will be
treated as non-confidential and non-proprietary. By making a Submission to
LoanResolve Technologies /LoanResolve.com on the Site, You agree to grant and
hereby grant to LoanResolve Technologies /LoanResolve.com and any party
authorized by LoanResolve Technologies /LoanResolve.com a non-exclusive,
worldwide, perpetual, irrevocable, assignable and transferable license to reproduce,
distribute, perform or display (publicly or otherwise), create derivative works
from and otherwise use and exploit the Submissions (and to authorize others who
you communicate with to do the same), in whole or in part and as may be edited
or modified by LoanResolve Technologies /LoanResolve.com or any party
authorized by LoanResolve.com, for any purpose whatsoever, commercial or
otherwise, in any form or media now existing or hereafter devised, without
obligation of any kind. You also agree not to make any Submissions that violate
or infringe in any way upon the rights of others (including, without
limitation, any copyright, trademark or other intellectual property right) or
that are otherwise unlawful. You will be solely liable for (and will indemnify and
hold harmless LoanResolve Technologies /LoanResolve.com and any party
authorized by LoanResolve Technologies /LoanResolve.com from) any damages
arising from and relating to the Submissions or the use thereof, in whole or in
part, by LoanResolve Technologies /LoanResolve.com or any party authorized by
LoanResolve.com.
Information Provided By LoanResolve Technologies /LoanResolve.com to You
Although LoanResolve Technologies /LoanResolve.com strives to provide Materials
that are both useful and accurate, laws, regulations, data and other
information change frequently and are subject to varying interpretations. In
addition, the facts and circumstances of every situation differ. Accordingly,
the Materials may not be up-to-date, accurate or complete. In particular, the
Materials may not reflect current legal developments, nor will they necessarily
reflect the rules applicable to each jurisdiction or factual circumstance.
LoanResolve Technologies /LoanResolve.com does not make any representations or
warranties with respect to the sufficiency, adequacy, accuracy, currency or
reliability of the Materials and will not be liable for any lack of the
foregoing.
Links
The Site contains links to other Internet web sites, including affiliated web
sites which may or may not be owned or operated by LoanResolve.com. LoanResolve
Technologies /LoanResolve.com has not regularly reviewed all of the web sites
which are linked to the Site, and LoanResolve Technologies /LoanResolve.com has
no control over such sites. Unless otherwise explicitly stated, LoanResolve
Technologies /LoanResolve.com is not responsible for the content of such web
sites, any updates or changes to such sites, or the privacy or other practices
of such sites, and the fact that LoanResolve Technologies /LoanResolve.com
offers such links does not indicate any approval or endorsement of any material
contained on any linked site. LoanResolve Technologies /LoanResolve.com is
providing these links to You only as a convenience. Accordingly, we strongly
encourage You to become familiar with the terms of use and practices of any
linked site. Further, it is up to You to take precautions to ensure that
whatever links You select or software You download (whether from the Site or
other sites) is free of such items as viruses, worms, trojan horses, defects,
date bombs, time bombs and other items of a destructive nature.
No Financial, Credit-Related or Other Professional Advice
LoanResolve Technologies /LoanResolve.com hopes and believes that the Materials
will be helpful as an educational tool and for background reference, but they
should not be construed as financial, legal, accounting or other professional
advice on any subject matter. LoanResolve Technologies /LoanResolve.com has
endeavored to comply with legal and ethical requirements known to the
LoanResolve Technologies /LoanResolve.com personnel who compiled this Site, but
LoanResolve Technologies /LoanResolve.com is not engaged in rendering
financial, legal, accounting or other professional services, and availability
or use of the Materials is not intended to create, and does not create, any
fiduciary, client, accounting-client or other professional services
relationship. Specifically, LoanResolve Technologies /LoanResolve.com is not
and does not hold itself out to be a licensed debt collector, collection
agency, a credit reporting agency, a budget counseling agency or a consumer
credit counseling agency. Use of the Materials is not an adequate substitute
for obtaining financial, legal, accounting or other professional advice from a
professional licensed in your jurisdiction. You agree you will not act or
refrain from acting based on any of the Materials without first seeking the
services of a competent professional.
No Forbearance or Delay of Foreclosure or other Action
LoanResolve Technologies /LoanResolve.com hopes and believes that the Materials
contained on this Site will be helpful to You and that the information will
assist in the resolution of the default under Your mortgage loan. However, Your
use of this Site and/or the completion of the material on this Site, will not
cause any type of delay, in any way, of the foreclosure process. Despite Your
use of this Site, the mortgage entity responsible for your mortgage loan will
proceed with its processes in the same manner as if you made no use of this
site and nothing contained in the Site shall be construed as any agreement for
the delay and/or extension of the foreclosure process, or the delay and/or
extension any other process being pursued by any mortgage banking entity.
No Warranties
Neither LoanResolve Technologies /LoanResolve.com nor any of its licensors or
suppliers makes any representations or warranties, either express or implied,
of any kind with respect to the Site, the Materials, any linked web site or any
other content or information available on or through the Site. All Materials,
links and other content and information available on or through the Site are
provided "AS IS" with no warranty. You agree that use of the Site
and/or all Materials, links and other content and information available on or
through the Site is at Your sole risk. TO THE FULLEST EXTENT PERMISSIBLE UNDER
APPLICABLE LAW, LoanResolve Technologies /LoanResolve.com AND ITS LICENSORS AND
SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED,
WITH RESPECT TO THE SITE, THE MATERIALS, ANY LINKED WEB SITE OR ANY OTHER
CONTENT OR INFORMATION AVAILABLE ON OR THROUGH THE SITE, INCLUDING WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
Limitation on Liability
To the fullest extent permissible under applicable law, neither LoanResolve
Technologies /LoanResolve.com nor any of its licensors or suppliers, nor its or
their directors, officers, employees, consultants, agents or other
representatives ("Service Providers") will be liable for any damage,
loss or expense of any kind arising from or relating to Your access to or use
of the Site, the Materials, any linked web site or any other content or
information available on or through the Site, regardless of whether such
liability is based in tort, contract, or otherwise. In no event will
LoanResolve.com, any of its licensors or suppliers, or any of its or their
Service Providers be liable to any party for any indirect, special or
consequential damages arising from or relating to use of or access to the Site,
the Materials, any linked web site or any other content or information
available on or through the Site, including, without limitation, any damages
for loss of profits, business interruption, loss of programs or other data,
loss of goodwill, work stoppage, computer failure or malfunction or otherwise,
even if LoanResolve Technologies /LoanResolve.com or any of its licensors or
suppliers is expressly advised of the possibility of such damages.
No Agency. These Rules will not be construed as creating an agency,
partnership, joint venture or any other form of association between the
parties; and the parties will at all times be and remain independent
contractors. Except as expressly agreed by the parties in writing, neither
party will have any right or authority, express or implied, to assume or create
any obligation of any kind, or to make any representation or warranty, on
behalf of the other party or to bind the other party in any respect whatsoever.
Notices. Except as explicitly stated otherwise, any notices to LoanResolve
Technologies /LoanResolve.com will be given by email to info@LoanResolve
Technologies /LoanResolve.com or such other address as LoanResolve Technologies
/LoanResolve.com specifies. Any notices to you shall be to the email address
You provide to LoanResolve Technologies /LoanResolve.com during the
registration process or the most current email address on file for you with
LoanResolve.com. Notice will be deemed given twenty-four (24) hours after an
email is sent, unless the sending party is notified that the email address is
invalid or the email is undeliverable. Alternatively, LoanResolve Technologies
/LoanResolve.com may give You notice by certified mail, postage prepaid and
return receipt requested, to the address provided to LoanResolve Technologies
/LoanResolve.com during the registration process. In such case, notice will be
deemed given three (3) days after the date of mailing.
Export Administration. You agree to comply fully with all relevant export laws
and regulations, including but not limited to the laws and regulations of the
United States and other countries ("Export Laws"), to assure that
neither the Materials nor any direct product thereof are (1) exported, directly
or indirectly, in violation of Export Laws; or (2) are used for any purposes
prohibited by the Export Laws.
Governing Law. These Rules and the relationship between You and
LoanResolve.com, including, without limitation, Your use of or access to the
Site, the Materials, any linked web site or any other content or information
available on or through the Site, are to be construed in accordance with and
governed by the internal laws of the State of Florida without giving effect to
any choice of law rule that would cause the application of the laws of any
jurisdiction other than the internal laws of the State of Florida to the rights
and duties of the parties. Each party hereby submits to the exclusive
jurisdiction of the state and federal courts in Pinellas County, Florida , and waives any jurisdictional, venue or inconvenient forum objections to such
courts.
Severability. In the event that any provision of these Rules (or any portion
hereof) is determined by a court of competent jurisdiction to be illegal,
invalid or otherwise unenforceable, such provision (or part thereof) will be
enforced to the fullest extent possible consistent with the purpose of such
provision (or part thereof), or, if incapable of such enforcement, will be
deemed to be severed and deleted from these Rules, while the remainder of the
Rules will continue in full force and remain in effect according to its stated
terms and conditions.
No Waiver. No failure or delay by either party in exercising any right, power
or remedy under these Rules will operate as a waiver of any such right, power
or remedy. No waiver of any provision of these Rules will be effective unless
in writing and signed by the party against whom such waiver is sought to be
enforced.
Disclosures. The Site is operated by LoanResolve Technologies /LoanResolve.com
and all access to and use of the Site, the Materials or any other content or
information available on or through the Site shall be deemed to occur in Saint Petersburg, Florida . This Site is not operated by the various mortgage banking
entities related to the borrower. The terms of any agreement between a
LoanResolve Technologies /LoanResolve.com and the mortgage banking entity
related to the borrower will have no effect on or relation to these Rules.
Entire Agreement. These Rules constitute the complete agreement between the
parties and supersede all prior or contemporaneous agreements or
representations, written or oral, concerning the subject matter of these Rules.
Any amendments to these Rules by LoanResolve Technologies /LoanResolve.com will
be effective when posted on the Site for seven (7) days. Nothing in these Rules
will limit or supersede any of LoanResolve.com's By-Laws or Operating
Regulations (collectively the "Regulations"), all of which continue
to govern the relationship between LoanResolve Technologies /LoanResolve.com
and the government or mortgage banking entities that contract with
LoanResolve.com. In the event of any apparent conflict between the terms of these
Rules and the Regulations, the Regulations will govern.
If You have any questions, comments, criticisms, or complaints about
LoanResolve Technologies /LoanResolve.com or this Site, please email
LoanResolve Technologies /LoanResolve.com at info@LoanResolve.com.
BY REGISTERING AN ACCOUNT, YOU ACKNOWLEDGED THAT (1) YOU HAD READ AND REVIEWED
THESE RULES IN THEIR ENTIRETY, INCLUDING ANY RELATED THIRD-PARTY SOFTWARE
LICENSE AGREEMENTS, (2) YOU AGREED TO THESE RULES, (3) YOU AGREED THAT YOU HAD
THE POWER, AUTHORITY AND LEGAL RIGHT TO ENTER INTO THIS AGREEMENT ON BEHALF OF
YOU AND, BY SO CLICKING, THESE RULES CONSTITUTED BINDING AND ENFORCEABLE
OBLIGATIONS OF YOU.
Security
Policy - Privacy is a primary concern of LoanResolve.com. It is our goal to
protect your privacy, and to make sure you feel comfortable and secure using
this program. You can be assured that your personal information will remain
protected and encrypted. Below are some frequently asked security questions and
answers to put you at ease. Enjoy the program.
Q: What can I do to protect my personal information while I'm using
LoanResolve.com?
A: LoanResolve Technologies /LoanResolve.com takes numerous steps to keep your
information secure, but you also play a role in maintaining the security of
your information. Here's what you can do:
= Choose a secret password
= We recommend that you do not use your name or email as your password. Instead
use letters together with numbers in a password (for example: LoanHelp123).
= Memorize your password and store it in a safe place
= Your online password verifies your identity when you begin each LoanResolve
Technologies /LoanResolve.com session. You should memorize this password and
write it down in a place only you have access to. Don't reveal it to anyone.
= Change your password regularly
It's important to change your password regularly, which you can easily do after
you login to a LoanResolve Technologies /LoanResolve.com session. You may
change your password in the User Profile Edit section of your account.
Q: What security measures are taken to prevent sensitive information from being
intercepted online?
A: From the moment sensitive information leaves your computer, anytime
sensitive information is passed, then sessions are encrypted. This means your
password, as well as all other information relating to you employ some of the
best forms of cryptography that are commercially available for use over the
internet. If for any reason your secure session ends, your LoanResolve
Technologies /LoanResolve.com session will automatically terminate.
Q: Why can I only use certain browsers for LoanResolve.com?
A: LoanResolve Technologies /LoanResolve.com reviews browsers to see whether
they operate appropriately in regard to security and functionality. In particular,
we look closely at the following security features:
= No storage of sensitive information
= LoanResolve Technologies /LoanResolve.com requires that browsers not record
borrower's information on their computers' hard drives. Also, sensitive information
will not be downloaded to your local drive.
= Encryption
= LoanResolve Technologies /LoanResolve.com requires the browser to make use of
a superior type of encryption. While many browsers provide high levels of
security, very few browsers meet all of LoanResolve.com's security and
functionality requirements.
Q: What are LoanResolve.com's requirements for approved browsers?
A: LoanResolve.com's minimum requirement for approved browsers is the standard
128-bit encryption. The latest releases of Microsoft Internet Explorer, Mozilla
FireFox, Safari, and Netscape Navigator come with this encryption.
Q: What are cookies? Can I get rid of them?
A: Some sites may track your activity with a "cookie," a block of
text the site places in a file on your computer's hard drive. A code in the
cookie file enables the site to label you as a particular user. However, it
doesn't identify you by name or address unless you've provided the site with
such information or set up preferences in your browser to do so automatically.
Newer versions of browser software let you decide whether you want to receive
cookie files, and some programs notify you when a Web site is about to deposit
a cookie on your hard drive. You can check for cookies on your computer. If you
have a PC, look for a file on your hard drive called "cookies.txt" or
for a file labeled "magic cookies" if you have a Macintosh. There are
also utility software programs (called "cookie cutters" or
"anonymizers") that allow you to edit cookie files selectively within
Web browsers.
Q: How does encryption work?
A: Everything that travels through the internet during your online session-from
your password to your sensitive personal information-becomes a string of
unrecognizable numbers before entering the Internet. Both LoanResolve
Technologies /LoanResolve.com computers and the browser you use to surf the web
understand the mathematical formulas, called algorithms, which turn your
banking session into numeric secure encrypted computer code and back again into
meaningful information.
These algorithms serve as locks on the doors of your information. And while
LoanResolve Technologies /LoanResolve.com and your computer can easily
translate this code back to meaningful language, this process would be almost
impossible for unauthorized intruders. That's because there are billions of
possible keys that could potentially solve each formula-but only one that will
work. Every time you begin a LoanResolve Technologies /LoanResolve.com session,
your computer agrees on a random number that serves as the key for the rest of
the conversation. What that random number is depends largely on the strength of
encryption used by your browser.
Q: What type of encryption do I need?
A: LoanResolve Technologies /LoanResolve.com requires you to use 128-bit
encryption (also called "high" or "strong" encryption).
Note: Currently, browsers that offer 128-bit encryption can only be used by
citizens and permanent residents of the United States and citizens of Canada, and it can only be downloaded to locations in the United States or Canada.
Accessibility Statement
The LoanResolve Technologies /LoanResolve.com website has been designed with
Accessibility in mind.
Design
Where appropriate, all images have been assigned alternative text.
= Where appropriate, relative font sizes have been used; this will allow the
user to enlarge the text size in visual browsers.
= Where appropriate, all links are written to make sense out of the context.
= The use of headings/subheadings, lists and tables have been used to make this
site more usable.
= All forms use server side validation and where appropriate the <label>
element, making them more accessible by screen readers. Standards Compliance
= It is believed that this site meets all Priority 1 guidelines of the W3C Web
Content Accessibility Guidelines, and where possible most of the Priority 2
guidelines.
= All pages are HTML 4.01 validated for better cross browser compatibility.
= We have tried to use Cascading Style Sheets (CSS) as much as possible for
layout and presentation. All pages are CSS 2.0 validated.
Resizing the Text
Internet Explorer Users:
On your browser toolbar, select View and then Text Size.
MAC USERS - Mozilla FireFox Users: Safari Users:
On your browser toolbar, select View and then Text Size.
NetScape:
On your browser toolbar, select View and then Text Size.
Other Browsers:
Please refer to your user documentation.
Accessibility Tools
W3C
We have used the W3C accessibility guidelines to help make LoanResolve
Technologies /LoanResolve.com more accessible.
If you have difficulty accessing this site or have any comments, please
email us at info@LoanResolve.com.
