INTRO

Your use of the NonProfitReferral.org web site is subject to the Terms and Conditions described below. By using the NonProfitReferral.org web site, you agree to accept such Terms and Conditions.

COPYRIGHT

The information provided on these pages is the copyright of Mortgage Keeper. All layout, design, original artwork, concepts and other Intellectual Properties remains the property and Copyright © 2005 - 2006 of Mortgage Keeper, Inc, of Ithaca, New York, and may not be used in any form or for any purpose whatsoever by any party without the express written permission of the copyright holders.

CONTENT AND LIABILITY DISCLAIMER

INFORMATION ON THIS WEB SITE IS 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. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Information on this web site may contain technical inaccuracies or typographical errors. We disclaim any responsibility for typographical errors and accuracy of the information that may be contained at this site.

Mortgage Keeper makes no representations whatsoever about any other web site, which you may access through this one. When you access a non-NonProfitReferral.org web site, please understand that it is independent from NonProfitReferral.org, and that Mortgage Keeper, Inc.has no control over the content on that web site. In addition, a link to a non-NonProfitReferral.org web site does not mean that Mortgage Keeper endorses or accepts any responsibility for the content, or the use, of such web site. 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.

IN NO EVENT WILL Mortgage Keeper BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEBSITE, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CONFIDENTIALITY

Mortgage Keeper has taken reasonable steps to ensure the confidentiality of information taken at this website and transmitted via the Internet. Nevertheless, the Internet brings certain risks that should be recognized and guarded against. We use industry standard security technology and practice to safeguard your accounts from unauthorized access. However, you too play a part in protecting your accounts. When you register and are accepted as a registered user of this website, you are asked to choose a unique user name and password. Please use caution to keep your user name and password confidential. If your user name or password is subject to unauthorized access, you should immediately inform Mortgage Keeper. In addition, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Any comments or materials sent to Mortgage Keeper including feedback data, such as questions, comments, suggestions, or the like regarding the content of any such documents (collectively "Feedback"), shall be deemed to be non-confidential. Mortgage Keeper shall have no obligation of any kind with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, Mortgage Keeper shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback.


CHANGE WITHOUT NOTICE

Mortgage Keeper reserves the right to change the Terms and Conditions and modify the contents of the web site without notice. Users are deemed to be apprised of and bound by any such changes.

CHOICE OF LAW

You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the State of New York, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of New York in all disputes arising out of or relating to the contents or use of this web site.

SEVERABILITY

If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.