www.mortgage101.com ("the Site")

TERMS OF USE

Your Rights and Our Responsibilities

Our goal is to make your home financing and other personal loan experiences as simple, convenient and safe as possible. We also want each and every one of our users to be completely satisfied, so it's important for you to understand what we can and can't do.

Where to Find Us

We are a separate operating division of Internet Brands, Inc. ("Internet Brands"), a national company headquartered in Southern California. While our website can be accessed from almost anywhere you can find Internet service, we are bound to do business according to California law. Your state or country of residence has laws that may differ from those in California. However, when you use our website, you agree that the statutes and laws of the State of California govern all matters relating to the use of this Site.

For full legal information, please see the Terms and Conditions below. These Terms and Conditions include our policy for acceptable use of the Site and content posted on the Site, your rights, obligations and restrictions regarding your use of the Site and the Site's Privacy Policy found here.

By using this Site, you acknowledge your understanding and consent to these terms, so please read them carefully. We reserve the right to revise and update these terms and conditions, so please make sure that you've read the most recent version.

If you do not agree to all of the Terms and Conditions, please do not use the Site and email us at information@internetbrands.com.

Without limiting any other provisions of this Agreement, you may not use this Site for any purpose that is unlawful or prohibited by this Agreement and/or any applicable additional terms. Your access to this Site may be terminated immediately in our sole discretion, with or without notice, if you fail to comply with any provision of this agreement and/or additional terms, or for any other reason, or no reason. You expressly agree not to:

Terms and Conditions

While we make every effort to ensure that all of the content on our Site is up-to-date, readily available and clearly explained, we cannot guarantee that the Site will always be up or that its contents will always be accurate. Circumstances beyond our control may occasionally make the Site unavailable; data transmissions may be interrupted; and we may provide links to other sites whose content we cannot monitor or otherwise manage. Read on to learn more about the things we can't control and what our lawyers need us to say about them...

Things We Can't Control

We do not endorse any listed lender/broker. Information presented on this Site by lender/brokers are advertisements by the lenders/brokers, and we make no guarantee, explicit or implied that the posted information is accurate. Any dealings that you may have with a lender/broker listed on our website is governed by terms of the agreement that you enter into with that lender/broker. We expressly disclaim any liability or responsibility for the success of any transaction you have with that lender. You must make the final determination as to the value and appropriateness of the transaction.

If you submit a request to find a lender or a broker or submit a request for a quote, there is no cost or obligation. For home finance quote requests, we partner with LoanApp.com to fulfill your request. When you submit a request to this Site and we forward that request to LoanApp.com, you become a customer of LoanApp.com. LoanApp.com will assume responsibility to follow-up on your request. Similarly, when you submit a request for a car loan or student loan quote, we forward that request to partners who can fulfill that request, and you become a customer of that partner who assumes responsibility to follow-up on your request. Any transaction facilitated through a partner will be governed by that partner's separate terms of use. We expressly disclaim any liability or responsibility for the success of your transaction. You must make the final determination as to the value and appropriateness of the transaction.

Links to External Sites: This Site may provide links to other websites on the Internet that are owned and operated by third party vendors and other third parties not under our control. These links are provided for convenience and reference only and are not intended as an endorsement by this Site or Internet Brands of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website. By using this Site, you acknowledge that neither this Site nor Internet Brands are responsible for the availability of, services or products offered by, or the content located on or throughout such external site.

Typographical Errors: While we try to make sure that all rate information posted here is accurate at all times, we cannot be responsible for typographical and other errors that may appear on the Site. We reserve the right to refuse or cancel requests for products or services containing incorrect pricing.

Site Outages and Browser Incompatibilities: This is an e-commerce site, with security systems and multiple servers in a number of locations. It's our best connection to our customers, and we take pride in its overall reliability. Nonetheless, the Site may sometimes be inaccessible, or it may not function properly with your web browser and operating system. We cannot be held liable for any perceived or actual damages arising from the operation, content, or use of this Site.

Miscellaneous

Disclaimer and Limitation of Liability: The Site and the information and materials contained herein are provided "as is." We make no representations or warranties of any kind regarding this Site or its operation, contents or information available on this Site. We expressly disclaim all warranties, express or implied, of any kind, with respect to the Site. IN NO EVENT SHALL THIS SITE, ITS AFFILIATES, INCLUDING INTERNET BRANDS, OR THEIR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATION, CONTENT OR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

WE MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACKDOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODES OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

The content of the Site (the "Content") is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and advice from your accountant and other financial advisers who are fully aware of your individual circumstances.

Applicable Law and Venue: The site (excluding linked sites) is operated in the state of California. The Site can be accessed from all 50 states and the District of Columbia, as well as from other countries around the world. As each of these places has laws that may differ from those of California, by accessing this Site, both you agree that the statutes and laws of the State of California, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this Site. You also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of California with respect to such matters. We make no representation that materials on the Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to use or access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.

Copyright: This Site is owned and operated as a division of Internet Brands, Inc. Unless otherwise specified, all materials appearing on this Site, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements thereof are the sole property of Internet Brands, Inc., 2004, 2005 and 2006 Internet Brands, Inc., ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of this Site for the sole purpose of placing with a request through this Site for products or services described on this Site. Any other use of materials on this Site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication, without prior written permission is strictly prohibited.

Ownership of Web site: The design, text and images of this web site are owned or licensed by Internet Brands, and Internet Brands authorizes you to view or download a single copy of the material on the Site solely for your personal, noncommercial use, provided you retain all proprietary notices contained in the content. Elements of the Site are also protected by trade dress and other laws and may not be imitated in whole or in part on other Web sites.

Trademarks: The trademarks and service marks appearing on this Site are registered trademarks, trademarks or service marks of Internet Brands. All custom graphics, icons, logos and other items that appear on this Site, other than the vehicles and their make and model names, are trademarks, service marks or trade dress of Internet Brands. The use of any trademark or service mark without express written consent from Internet Brands is strictly prohibited.

www.mortgage101.com

January 1, 2008