Legal Notices

Legal Notices - Privacy Policy, Disclaimer And Terms Of Use

Mortgage-Modification-Answers.com
Privacy Policy

We use third-party companies to serve ads and collect non-personally identifiable information (e.g., the pages you visit, and which links you click, which ads you see and click on, and the categories of search terms you enter) when you visit our web site. These companies may use the information outlined above (which does not include your name, address, email address or telephone number) about your visits to this and other web sites in order to provide advertisements about goods and services of interest to you. These companies often use a cookie or third party web beacon to collect this information. If you would like more information about this practice and to know your choices about not having this information used by these companies, NAI universal user opt-out (link to the NAI universal user opt-out).

We recognize that your privacy is important. This document outlines the types of personal information we receive and collect when you use Mortgage-Modification-Answers.com, as well as some of the steps we take to safeguard information. We hope this will help you make an informed decision about sharing personal information with us.

Mortgage-Modification-Answers.com strives to maintain the highest standards of decency, fairness and integrity in all our operations. Likewise, we are dedicated to protecting our customers', consumers' and online visitors' privacy on our website.

Personal Information

Mortgage-Modification-Answers.com collects personally identifiable information from the visitors to our website only on a voluntary basis. Personal information collected on a voluntary basis may include name, postal address, email address, telephone number and any mortgage and personal financial information that visitors submitted in forms.

This information is collected if you request information from us, sign up to join our email list or request some other service or information from us. The information collected is internally reviewed, used to improve the content of our website, notify our visitors of updates, and respond to visitor inquiries and requests.

Once information is reviewed, it is discarded or stored in our files. If we make material changes in the collection of personally identifiable information we will inform you by placing a notice on our site. Personal information received from any visitor will be used only for internal purposes and will not be sold or provided to third parties.

The search box on this web site ("Search Box") is powered by Google Inc ("Google"). You acknowledge and agree that Google's privacy policy (located at http://www.google.com/privacy.html) shall apply to your use of the Search Box and by using the Search Box you consent to Google using your personal data in accordance with its privacy policy.

Use of Cookies and Web Beacons

We may use cookies to help you personalize your online experience. Cookies are identifiers that are transferred to your computer's hard drive through your Web browser to enable our systems to recognize your browser. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize the sites pages, or register with any of our site's services, a cookie enables Mortgage-Modification-Answers.com to recall your specific information on subsequent visits.

You have the ability to accept or decline cookies by modifying your Web browser; however, if you choose to decline cookies, you may not be able to fully experience the interactive features of the site.

A web beacon is a transparent image file used to monitor your journey around a single website or collection of sites. They are also referred to as web bugs and are commonly used by sites that hire third-party services to monitor traffic. They may be used in association with cookies to understand how visitors interact with the pages and content on the pages of a web site.

We may serve third-party advertisements that use cookies and web beacons in the course of ads being served on our web site to ascertain how many times you've seen an advertisement. No personally identifiable information you give us is provided to them for cookie or web beacon use, so they cannot personally identify you with that information on our web site.

Some third-party advertisements may be provided by Google, which uses cookies to serve ads on this site. Google uses the DART cookie, which enables it to serve ads to our users based on their visits to this site and other sites on the web. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

Browsers can be set to accept or reject cookies or notify you when a cookie is being sent. Privacy software can be used to override web beacons. Taking either of these actions shouldn't cause a problem with our site, should you so choose.

Children's Online Privacy Protection Act

This website is directed to adults; it is not directed to children under the age of 13. We operate our site in compliance with the Children's Online Privacy Protection Act, and will not knowingly collect or use personal information from anyone under 13 years of age.

Non-Personal Information

In some cases, we may collect information about you that is not personally identifiable. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. The information collected is used solely for internal review and not shared with other organizations for commercial purposes.

Release of Information

If Mortgage-Modification-Answers.com is sold, the information we have obtained from you through your voluntary participation in our site may transfer to the new owner as a part of the sale in order that the service being provided to you may continue. In that event, you will receive notice through our website of that change in control and practices, and we will make reasonable efforts to ensure that the purchaser honors any opt-out requests you might make of us.

How You Can Correct or Remove information

We provide this privacy policy as a statement to you of our commitment to protect your personal information. If you have submitted personal information through our website and would like that information deleted from our records or would like to update or correct that information, please click on this link and use the Contact Me page.

Updates and Effective Date

Mortgage-Modification-Answers.com reserves the right to make changes in this policy. If there is a material change in our privacy practices, we will indicate on our site that our privacy practices have changed and provide a link to the new privacy policy. We encourage you to periodically review this policy so that you will know what information we collect and how we use it.

Agreeing to Terms

If you do not agree to Mortgage-Modification-Answers.com Privacy Policy as posted here on this website, please do not use this site or any services offered by this site.

Your use of this site indicates acceptance of this privacy policy.

Mortgage-Modification-Answers.com Disclaimer

Mortgage-Modification-Answers.com provides this website as a service.

While the information contained within the site is periodically updated, no guarantee is given that the information provided in this website is correct, complete, and/or up-to-date.

The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter. Mortgage-Modification-Answers.com does not accept any responsibility for any loss which may arise from reliance on information contained on this site.

Permission is given for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer. The contents of this site are protected by copyright under international conventions and, apart from the permission stated, the reproduction, permanent storage, or retransmission of the contents of this site is prohibited without the prior written consent of Mortgage-Modification-Answers.com.

Some links within this website may lead to other websites, including those operated and maintained by third parties. Mortgage-Modification-Answers.com includes these links solely as a convenience to you, and the presence of such a link does not imply a responsibility for the linked site or an endorsement of the linked site, its operator, or its contents unless specifically stated as such.

This website and its contents are provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Reproduction, distribution, republication, and/or retransmission of material contained within this website are prohibited unless the prior written permission of Mortgage-Modification-Answers.com has been obtained.

THIRD PARTY ADVERTISING PROVIDER INDEMNITY

The End User agrees to indemnify and hold harmless Publisher's third party advertising providers and their parent companies, subsidiaries, affiliates, divisions, shareholders, directors, officers, executives, employees, accountants, attorneys, insurers, agents, predecessors, successors and assigns from and against any and all losses, costs, expenses (including reasonable attorneys. fees), causes of action or other liabilities of any kind, whether known or unknown, arising out of, relating to, or otherwise in connection with the Advertisements.

Mortgage-Modification-Answers.com Terms Of Use

WEBSITE USE POLICY

Access to and use of Mortgage-Modification-Answers.com's web site (the "Site") is provided subject to the following Website Use Policy (the "Policy'), and the Site user, including, without limitation, any individual visiting or exploring the Site, (individually and collectively "you") waives any and all rights or claims against Mortgage-Modification-Answers.com.

USE OF THIS WEB SITE CONSTITUTES ACCEPTANCE OF THE FOLLOWING TERMS AND CONDITIONS:

The Policy is not exhaustive and Mortgage-Modification-Answers.com reserves the right to add, delete, or modify any provision of the Policy at any time without notice to yourself, effective upon the posting of the modified Policy to www.Mortgage-Modification-Answers.com Please check the Site periodically for changes to the Policy. By using Mortgage-Modification-Answers.com's services and/or using this Site after changes have been made to the Policy, you agree to the changes. Except when expressly agreed to the contrary in writing by an authorized representative of Mortgage-Modification-Answers.com, this Policy supersedes any other agreement with Mortgage-Modification-Answers.com, whether written, oral, by conduct, or otherwise.

1.USE OF MATERIALS

All materials, including, without limitation, information, artwork, images, pictures, text, video, audio, programs, and media files (the "Materials") contained on the Site are protected by copyright laws. You may access and use the Materials for personal and non-commercial purposes only. Any modification or use of the Materials for any other purpose without Mortgage-Modification-Answers.com's express prior written consent is strictly prohibited. Except as expressly provided herein, any reproduction, republishing, posting, transmission, or distribution of any Material on the Site is strictly prohibited.

2.COPYRIGHT AND TRADEMARK

You must not, without Mortgage-Modification-Answers.com's express written consent, use any Mortgage-Modification-Answers.com trademark, service mark, or copyrighted material. Copyright © Mortgage-Modification-Answers.com (including, without limitation, Mortgage-Modification-Answers.com's parent companies and subsidiaries) and/or its licensors, all rights reserved. All trademarks and logos contained in any and all materials and information are the property of their respective owners. Use of such trademarks and logos are strictly prohibited without the prior permission for use from the rightful owners.

3.PRINTING OF MATERIALS

Notwithstanding the foregoing, Mortgage-Modification-Answers.com authorizes the printing of Materials found on the Site for personal or educational purposes only, provided that any and all copyright notices originally included with the Materials is included in any and all copies.

4.LINKS AND THIRD PARTY CONTENT

Mortgage-Modification-Answers.com may itself, and working with a number of third parties, provide links to other websites or resources from the Site. Mortgage-Modification-Answers.com may also provide the opportunity for third parties to submit, post, transmit or otherwise make available information, data, text, photographs, sound, graphics, video, messages, reviews or other materials ("Third Party Content") though the Site. Because Mortgage-Modification-Answers.com has no control over the content and performance of any third party websites, resources or such Third Party Content, Mortgage-Modification-Answers.com makes no guarantees about the accuracy, integrity, content, availability or quality of the information or services provided by such websites, resources or Third Party Content, and Mortgage-Modification-Answers.com assumes no responsibility for unintended, objectionable, inaccurate, misleading or unlawful content that may be accessed. Under no circumstances will Mortgage-Modification-Answers.com be liable in any way for any Third Party Content or services provided by any third party referenced on or linked from the Site. Mortgage-Modification-Answers.com is providing these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by Mortgage-Modification-Answers.com of the site or any information contained therein. When leaving the Site, you should be aware that Mortgage-Modification-Answers.com's Policy no longer governs, and therefore you should review the applicable terms and policies, including privacy and data-gathering practices, of that website.

5.CUSTOMER RESPONSIBILITY

You are required to use the Site responsibly. Mortgage-Modification-Answers.com reserves the right to suspend and/or cancel access to any user who uses the Site in such a way that adversely affects other Mortgage-Modification-Answers.com users. While Mortgage-Modification-Answers.com may monitor its service electronically to determine that its facilities are operating satisfactorily, as a general practice, Mortgage-Modification-Answers.com does not monitor its users' activities to determine whether they are in compliance with the Policy. However, when Mortgage-Modification-Answers.com becomes aware of any violation of the Policy or other user agreements, Mortgage-Modification-Answers.com may take any action to stop or correct such violation, including, but not limited to, denying access to the Site. In addition, Mortgage-Modification-Answers.com may take action against you or a customer of yours because of the activities of you or such customer.

6.PROHIBITED USES

a) Use of the Site
You agree not to use the Site for any illegal or unauthorized activity. You agree that you will not use any device, software, or other technology to interfere or attempt to interfere with the proper working of the Site. You agree not to crawl, spider, scrape, or otherwise deploy automated agents or other technology to collect, harvest, mine, or otherwise interact with this site.

b) Compliance with Intellectual Property Laws
When accessing the Site, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree to abide by laws regarding copyright ownership and use of intellectual property.

7.ACTIONS TAKEN BY Mortgage-Modification-Answers.com

Mortgage-Modification-Answers.com will be the sole arbiter as to what constitutes a violation of the Policy. Mortgage-Modification-Answers.com reserves the right to remove any Third Party Content without prior notice and to refuse access to anyone at any time. When Mortgage-Modification-Answers.com becomes aware of an alleged violation of its Policy, Mortgage-Modification-Answers.com will initiate an investigation. During the investigation, Mortgage-Modification-Answers.com may restrict your access to the Site in order to prevent further potentially unauthorized activity. Depending on the severity of the violation, Mortgage-Modification-Answers.com may, at its sole discretion, restrict, suspend, or terminate to the Site and/or pursue other civil remedies. If such violation is a criminal offense, Mortgage-Modification-Answers.com will notify the appropriate law enforcement authorities of such violation. An unlisted activity may also be a violation of the Policy if it is illegal, irresponsible, or constitutes disruptive use of the Internet. If you are found to be in violation of the Policy, you are responsible, without limitations, for the cost of labor to rectify any damage done to the operation of the Site and business operations supported by the Site, and to respond to complaints incurred by Mortgage-Modification-Answers.com.

8.ADDITIONAL DISCLAIMER

The services, information, and data (collectively the "Information") made available on the Site are provided on an "as is", "as available" basis without warranties of any kind, either express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or regarding the quality, sequence, accuracy, timeliness, reliability, or validity of the Information. Mortgage-Modification-Answers.com expressly disclaims any representation or warranty that the Site will be error-free, secure or uninterrupted. No oral advice or written information given by Mortgage-Modification-Answers.com, its employees, licensors or the like, will create a warranty; nor may you rely on any such information or advice. Mortgage-Modification-Answers.com and its partners and suppliers will not be liable for any cost or damage arising either directly or indirectly from any transaction or use of the service.

YOU UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT YOU ARE TO USE Mortgage-Modification-Answers.com'S SERVICES AND THE SITE, AND ALL ASPECTS THEREOF, AT YOUR SOLE RISK. Mortgage-Modification-Answers.com FURTHER EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES THAT the Site OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Mortgage-Modification-Answers.com WILL HAVE ABSOLUTELY NO LIABILITY FOR DAMAGE TO your COMPUTER, ANY HARDWARE, DATA, INFORMATION, MATERIALS, AND BUSINESS RESULTING FROM your access of the site and/or THE INFORMATION, OR THE LACK OF INFORMATION, AVAILABLE ON THE SITE. Furthermore Mortgage-Modification-Answers.com WILL HAVE NO LIABILITY FOR:

ANY AND ALL LOSSES OR INJURIES CAUSED, IN WHOLE OR IN PART, BY Mortgage-Modification-Answers.com'S ACTIONS, OMISSIONS, OR NEGLIGENCE, OR FOR CONTINGENCIES BEYOND Mortgage-Modification-Answers.com'S CONTROL IN PROCURING, COMPILING, OR DELIVERING THE INFORMATION;
ANY AND ALL ERRORS, OMISSIONS, OR INACCURACIES IN THE INFORMATION REGARDLESS OF HOW CAUSED, OR DELAYS OR INTERRUPTIONS IN DELIVERY OF THE INFORMATION; OR
ANY DECISION MADE, OR ACTION TAKEN OR NOT TAKEN, IN RELIANCE UPON THE INFORMATION FURNISHED ON THE WEB SITE.

FOR THE PURPOSES OF THIS SECTION, "Mortgage-Modification-Answers.com" INCLUDES, WITHOUT LIMITATION, Mortgage-Modification-Answers.com'S DIVISIONS, SUBSIDIARIES, SUCCESSORS, PARENT COMPANIES, AND THEIR EXECUTIVES, DIRECTORS, OFFICERS, MANAGERS, EMPLOYEES, CONSULTANTS, CONTRACTORS, AGENTS, AFFILIATES, THIRD-PARTY PROVIDERS, MERCHANTS, LICENSORS OR THE LIKE.Â

9.THIRD PARTY PROVIDERS AND NON-Mortgage-Modification-Answers.com PRODUCTS

You agree that certain services may be provided by third party providers of Mortgage-Modification-Answers.com and that your use of such services may be subject to further agreements, policies, terms, and conditions in addition to those contained or referenced in this Agreement. Any mention of non-Mortgage-Modification-Answers.com products by Mortgage-Modification-Answers.com, its employees, executives, directors, officers, managers, consultants, agents, parent companies, and/or subsidiaries, or any third party entity related to Mortgage-Modification-Answers.com is for information purposes only and does not constitute an endorsement or recommendation by Mortgage-Modification-Answers.com. Mortgage-Modification-Answers.com disclaims any and all liabilities for any representation or warranty made by the vendors of such non-Mortgage-Modification-Answers.com products or services.

10.LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT, AND UNDER NO THEORY OF LAW OR EQUITY, WILL Mortgage-Modification-Answers.com (INCLUDING, WITHOUT LIMITATION, Mortgage-Modification-Answers.com'S EXECUTIVES, DIRECTORS, OFFICERS, ATTORNEYS, MANAGERS, EMPLOYEES, CONSULTANTS, CONTRACTORS, AGENTS, PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, THIRD-PARTY PROVIDERS, MERCHANTS, LICENSORS, OR THE LIKE) OR ANYONE ELSE INVOLVED IN CREATING, PRODUCING, OR DISTRIBUTING Mortgage-Modification-Answers.com'S SERVICES AND/OR THE SITE, BE LIABLE FOR ANY BUSINESS OR PERSONAL LOSS, REVENUES DECREASE, EXPENSES INCREASE, OR ANY OTHER LOSS OR DAMAGE WHATSOEVER, OR FOR ANY CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE OR INDIRECT DAMAGES OF ANY KIND ARISING OUT OF ANY USE OF, OR ANY INABILITY TO USE OR ACCESS THE SITE EVEN IF Mortgage-Modification-Answers.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY IS TO DISCONTINUE USE OF THE SITE.

11.PRIVACY

Mortgage-Modification-Answers.com is concerned with the privacy of on-line communications and websites. In general, the Internet is neither more nor less secure than other means of communication, including mail, facsimile, and voice telephone service, all of which can be intercepted and otherwise compromised. As a matter of prudence, however, Mortgage-Modification-Answers.com urges its customers to assume that all of their online communications are insecure. Mortgage-Modification-Answers.com cannot take any responsibility for the security of information transmitted over Mortgage-Modification-Answers.com's facilities. All information gathered by us from you in connection with your use of this site is subject to the provisions of our Privacy Statement. We do not control, nor are we responsible for, the privacy practices of those sites to which we link and, therefore, you agree to read the privacy policies of those sites.

12.INDEMNITY

You agree to protect, defend, hold harmless, and indemnify Mortgage-Modification-Answers.com, any third party entity related to Mortgage-Modification-Answers.com (including, without limitation, third party vendors), and Mortgage-Modification-Answers.com's executives, directors, officers, managers, employees, consultants, agents, parent companies, and subsidiaries from and against any and all liabilities, losses, costs, judgments, damages, claims, or causes of actions, including, without limitation, any and all legal fees and expenses arising out of or resulting from your use of the Site.

13.GENERAL INFORMATION

A. Jurisdiction and Severability
The Policy, and any other agreement for Mortgage-Modification-Answers.com's services, will be governed by and construed in accordance with the laws of the State of California, USA without reference to its conflicts of laws principles. Any litigation or arbitration between a customer and Mortgage-Modification-Answers.com will take place in California, USA, and the customer will consent to personal jurisdiction and venue in that jurisdiction. If any provision or portion of the Policy or other Mortgage-Modification-Answers.com agreement is found by a court of competent jurisdiction to be unenforceable for any reason, the remainder of the Policy or the agreement will continue in full force and effect.

B. No Waiver
Any failure to exercise or enforce any right or provision of the Policy will not constitute a waiver of such right or provision.

C. Construction and Interpretation
Wherever in this Policy the masculine, feminine, or neuter gender is used, it will be construed as including all genders, and wherever the singular is used, it will be deemed to include the plural and vice verse, where the context so requires. The division of the Policy into sections/paragraphs, and the insertion of headings/captions, are for convenience of reference only and will not affect the construction or interpretation of the Policy. Any rule of construction to the effect that any ambiguity is to be resolved against the drafting party will not be applicable in the construction or interpretation of the Policy.

D.Complete Agreement and Exclusivity
The Policy, and/or any other specific agreement for Mortgage-Modification-Answers.com's services, constitutes the complete understanding and agreement between yourself and Mortgage-Modification-Answers.com with respect to the subject matter hereof, and governs your use of the Site. You also may be subject to additional terms and conditions that may apply when you use affiliate services, Third Party Content or third-party software. Except when expressly agreed to the contrary in signed writing by an authorized representative of Mortgage-Modification-Answers.com, the Policy supersedes any other written (including digitized/computerized) agreement, oral agreement, and/or agreement by conduct. This Policy, and/or any other specific agreement for Mortgage-Modification-Answers.com services is between Mortgage-Modification-Answers.com and its customers only and will not confer any rights in any third party except as otherwise expressly provided by Mortgage-Modification-Answers.com.

Updated and Effective April, 2011

Apply for No-Upfront Fee Hardship Loan Modification
Find out for yourself. Apply for no-upfront fee hardship loan modification even if you do not qualify for the Government Making Home Affordable Modification Program. You may qualify for a No-Upfront Fee Hardship Loan Modification. (Currently available in California, Oregon and Washington more states being added)

Ask General Loan Modification Questions - Get Answers
Get answers to your own Mortgage Loan Modification questions. See what other visitors have asked and their answers. What do you want to know or need help with? Got a situation you need help with? Just Ask.

Bank of America Loan Modification Problems, Questions And Answers - Get Answers Get answers to your own Bank of America Mortgage Loan Modification problems and questions or just see what other visitors have asked and their answers.

Ask Wells Fargo Mortgage Loan Modification Questions - Get Answers Get answers to your own Wells Fargo Mortgage Loan Modification problems and questions, tell us your Wells Fargo horror story or just see what other visitors have asked and their answers. What do you want to know or need help with? Got a situation you need help with? Just Ask.

Ask Your Chase Loan Modification Questions Or Tell Us About Your Chase Mortgage Modification Experience Go ahead tell us your story about Chase Loan Modification experiences or ask your own questions. Feel free to read others Chase stories, questions and the answers