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Privacy Policy and Terms of Use
Privacy Policy Statement
This is the Web site of Mobium Mortgage Group, Inc.
Our postal address is:
319 West Ontario Street
Chicago, IL 60610
We can be reached via e-mail at
clientcare@mobiumgroup.com or you can reach us by telephone at 312.440.4007.
For each visitor to our Web site, our Web server automatically recognizes only the
consumer's domain name, but not the e-mail address (where possible).
We collect only the domain name, but not the e-mail address of visitors to our Web
site, the e-mail addresses of those who communicate with us via e-mail, aggregate
information on what pages consumers access or visit and information volunteered
by the consumer, such as survey information and/or site registrations.
The information we collect is used to improve the content of our Web site and is
not shared with other organizations for commercial purposes.
With respect to cookies: We do not set any cookies.
If you do not want to receive e-mail from us in the future, please let us know by
sending us e-mail at the above address.
If you supply us with your postal address on-line you may receive periodic mailings
from us with information on new products and services or upcoming events. If you
do not wish to receive such mailings, please let us know by calling us at the number
provided above.
Persons who supply us with their telephone numbers on-line will only receive telephone
contact from us with information regarding orders they have placed on-line.
Persons who supply us with their telephone numbers on-line may receive telephone
contact from us with information regarding new products and services or upcoming
events. If you do not wish to receive such telephone calls, please let us know by
sending us e-mail at the above address.
With respect to advertising servers: We do not partner with or have special relationships
with any ad server companies.
From time to time, we may use customer information for new, unanticipated uses not
previously disclosed in our privacy notice. If our information practices change
at some time in the future we will post the policy changes to our Web site to notify
you of these changes and provide you with the ability to opt out of these new uses.
If you are concerned about how your information is used, you should check back at
our Web site periodically.
Customers may prevent their information from being used for purposes other than
those for which it was originally collected by calling us at the number provided
above.
Upon request we provide site visitors with access to a description of information
that we maintain about them.
With respect to security: We always use industry-standard encryption technologies
when transferring and receiving consumer data exchanged with our site. When we transfer
and receive certain types of sensitive information such as financial or health information,
we redirect visitors to a secure Web page and will notify visitors through a digital
certificate seal on our site. We have appropriate security measures in place in
our physical facilities to protect against the loss, misuse or alteration of information
that we have collected from you at our site.
If you feel that this site is not following its stated information policy, you may
contact us at the above addresses or phone number.
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WEB SITE LEGAL TERMS AND DISCLAIMER
IMPORTANT! YOUR ACCESS TO THIS WEB SITE IS SUBJECT TO LEGALLY BINDING TERMS AND
CONDITIONS. CAREFULLY READ ALL OF THE FOLLOWING TERMS AND CONDITIONS BEFORE PROCEEDING.
ACCESSING THIS WEB SITE BY HYPER-LINKING IS THE EQUIVALENT OF YOUR SIGNATURE, AND
INDICATES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS AND THAT YOU INTEND TO BE
LEGALLY BOUND BY THEM. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE
CLICK AWAY FROM THIS WEB SITE.
This is an agreement between you (You) and Mobium Mortgage Group, Inc. (the Company).
We and Us means both You and the Company. The effective date of this Agreement is
when You accept this Agreement in accordance with the procedure set out above. You
hereby consent to the exchange of information and documents between Us electronically
over the Internet or by e-mail, if to You to or if to Company and that this electronic
Agreement shall be the equivalent of a written paper agreement between Us.
1. OWNERSHIP AND COPYRIGHT
You acknowledge that any and all information, content, reports, data, databases,
graphics, interfaces, web pages, text, files, software, product names, company names,
trade-marks, logos and trade names contained on this web site (collectively the
Content.) including the manner in which the Content is presented or appears and
all information relating thereto, are the property of their respective owners as
indicated, the Company or its licensors, as the case may be.
2. PERMITTED USE
The Company hereby grants to You a personal, non-transferable and non-exclusive
license to access, read and download one copy of the Content.
3. RESTRICTIONS ON USE
You agree that You will not:
(i) distribute the Content for any purpose including without limitation compiling
an internal database, redistributing or reproduction of the Content by the press
or media or through any commercial network, cable or satellite system; or
(ii) create derivative works of, reverse engineer, decompile, disassemble, adapt,
translate, transmit, arrange, modify, copy, bundle, sell, sub-license, export, merge,
transfer, adapt, loan, rent, lease, assign, share, outsource, host, publish, make
available to any person or otherwise use, either directly or indirectly, the Content
in whole or in part, in any form or by any means whatsoever, be they physical, electronic
or otherwise. You shall not permit, allow or do anything that would infringe or
otherwise prejudice the proprietary rights of the Company or its licensors or allow
any third-party to access the Content. The restrictions set out in this Agreement
shall not apply to the limited extent the restrictions are prohibited by applicable
law.
4. LICENSE TO USE YOUR INFORMATION
With the exception of personal information, You hereby grant to the Company the
perpetual, unlimited, royalty-free, worldwide, non-exclusive, irrevocable, transferable
license to run, display, copy, reproduce, publish, bundle, distribute, market, create
derivative works of, adapt, translate, transmit, arrange, modify, sub-license, export,
merge, transfer, loan, rent, lease, assign, share, outsource, host, make available
to any person or otherwise use, any information or other content You provide on
or through this web site or which is sent to the Company by e-mail or other correspondence,
including without limitation, any ideas, concepts, inventions, know-how, techniques
or any intellectual property contained therein, for any purpose whatsoever. The
Company shall not be subject to any obligations of confidentiality regarding any
such information unless specifically agreed by the Company in writing or required
by law. You represent and warrant that you have the right to grant the license set
out above.
5. LIMITATIONS ON LIABILITY AND DISCLAIMERS
ALTHOUGH THIS WEB SITE USES ENCRYPTION SECURITY, THERE IS NO GUARANTEE THAT PERSONAL
INFORMATION AND TRANSACTIONS ON THIS WEB SITE OR ON THE INTERNET WILL BE MAINTAINED
CONFIDENTIAL AND SECURE. THE USE OF THIS WEB SITE AND THE CONTENT IS AT YOUR OWN
RISK AND THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY PERTAINING TO THE CONTENT,
YOUR USE OF THE WEB SITE OR THE RECEIPT, STORAGE, TRANSMISSION OR OTHER USE OF YOUR
PERSONAL INFORMATION.
This Web site and its Content are not to be construed as a form of promotion or
an offer to sell any product or service. This Web site may contain links to other
sites. The Company does not assume responsibility for the accuracy or appropriateness
of the information, data, opinions, advice, or statements contained at such sites,
and when You access such sites, You are doing so at Your own risk. In providing
links to the other sites, the Company is in no way acting as a publisher or disseminator
of the material contained on those other sites and does not seek to monitor or control
such sites. A link to another site should not be construed to mean that the Company
is affiliated or associated with same. THE COMPANY DOES NOT RECOMMEND OR ENDORSE
ANY OF THE CONTENT, INCLUDING WITHOUT LIMITATION ANY HYPER-LINKS TO OR CONTENT FOUND,
ON OTHER WEB SITES. The mention of another party or its product or service on this
Web site should not be construed as an endorsement of that party or its product
or service. The Company will not be responsible for any damages You or any third-party
may suffer as a result of the transmission, storage or receipt of confidential or
proprietary information that You make or that You expressly or implicitly authorize
the Company to make, or for any errors or any changes made to any transmitted, stored
or received information.
You are solely responsible for the retrieval and use of the Content. You should
apply Your own judgment in making any use of any Content, including, without limitation,
the use of the information as the basis for any conclusions.
THE CONTENT MAY NOT BE ACCURATE, UP TO DATE, COMPLETE OR UNTAMPERED, AND IS NOT
TO BE RELIED UPON.
THE CONTENT IS PROVIDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND SHOULD
NOT BE INTERPRETED AS A RECOMMENDATION FOR ANY SPECIFIC PRODUCT OR SERVICE, USE
OR COURSE OF ACTION. THE CONTENT ON THIS WEB SITE IS NOT INTENDED TO BE USED AS
A SUBSTITUTE OF ANY KIND FOR PROFESSIONAL ADVICE. IT IS YOUR DUTY TO OBTAIN0 PROFESSIONAL
ADVICE FROM A QUALIFIED REAL ESTATE EDUCATION PROFESSIONAL TO MEET YOUR REAL ESTATE
EDUCATION NEEDS. YOU SHOULD NOT ACT OR RELY ON ANY OF THE CONTENT WITHOUT SEEKING
ADVICE OF A QUALIFIED PROFESSIONAL.
EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THIS WEB SITE AND ALL CONTENT, PRODUCTS,
SERVICES AND SOFTWARE ON THIS WEB SITE OR MADE AVAILABLE THROUGH THIS WEB SITE ARE
PROVIDED .AS IS. WITHOUT ANY REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS,
OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT
LIMITED TO, WARRANTIES AS TO UNINTERRUPTED OR ERROR FREE OPERATION, AVAILABILITY,
ACCURACY, COMPLETENESS, CURRENTNESS, RELIABILITY, TIMELINESS, LEGALITY, SUITABILITY,
PRIVACY, SECURITY, ERCHANTABILITY, QUALITY, TITLE, NON-INFRINGEMENT OR FITNESS FOR
A PARTICULAR PURPOSE, OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE.
IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, OR THEIR
RESPECTIVE DIRECTORS OR EMPLOYEES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL,
PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED,
INCLUDING BUT NOT LIMITED TO: DAMAGES FOR LOSS OF USE, LOST PROFITS OR LOST SAVINGS,
EVEN IF THE COMPANY OR ANY OF ITS LAWFUL AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES OR CLAIM. IN NO EVENT WILL COMPANY, ITS AFFILIATES,
AGENTS, LICENSORS, SUPPLIERS, OR THEIR RESPECTIVE DIRECTORS OR EMPLOYEES, BE LIABLE
FOR DAMAGES OR LOSSES RESULTING FROM: VIRUSES, DATA CORRUPTION, FAILED MESSAGES,
TRANSMISSION ERRORS OR PROBLEMS; TELECOMMUNICATIONS SERVICE PROVIDERS; LINKS TO
THIRD-PARTY WEB SITES; THE INTERNET BACKBONE; PERSONAL INJURY; THIRD-PARTY CONTENT,
PRODUCTS OR SERVICES; DAMAGES OR LOSSES CAUSED BY YOU, OR YOUR RESPECTIVE EMPLOYEES,
AGENTS OR SUBCONTRACTORS; LOSS OF USE OR LACK OF AVAILABILITY OF FACILITIES INCLUDING
COMPUTER RESOURCES, ROUTERS AND STORED DATA; THE USE OR INABILITY TO USE THIS WEB
SITE OR THE CONTENT; ANY OTHER WEB SITE ACCESSED TO OR FROM THIS WEB SITE; OR EVENTS
BEYOND THE REASONABLE CONTROL OF THE COMPANY, EVEN IF THE COMPANY OR ANY OF ITS
LAWFUL AGENTS, OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
OR CLAIM.
IN NO CASE WILL THE COMPANY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, AND THEIR
RESPECTIVE DIRECTORS. AND EMPLOYEES CUMULATIVE TOTAL LIABILITY ARISING UNDER ANY
CAUSE WHATSOEVER (INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT, TORT, NEGLIGENCE,
GROSS NEGLIGENCE, OR OTHERWISE) BE FOR MORE THAN THE AMOUNT, IF ANY, PAID BY YOU
UNDER THIS AGREEMENT TO ACCESS THIS WEB SITE, IN THE YEAR IN WHICH THE CLAIM AROSE.
THE COMPANY ASSUMES NO OBLIGATION TO UPDATE THE CONTENT ON THIS SITE. THE CONTENT
ON THIS SITE MAY BE CHANGED WITHOUT NOTICE TO YOU. THE COMPANY IS NOT RESPONSIBLE
FOR ANY CONTENT OR INFORMATION THAT YOU MAY FIND UNDESIRABLE OR OBJECTIONABLE. THE
COMPANY DISCLAIMS ANY LIABILITY FOR UNAUTHORIZED USE OR REPRODUCTION OF ANY PORTION
OF THE WEB SITE. ACCESSING THE CONTENT FROM TERRITORIES WHERE IT MAY BE ILLEGAL
IS PROHIBITED.
6. TERMINATION
This Agreement is effective until terminated by the Company, with or without cause,
in the Company's sole and unfettered discretion. The Company may terminate this
Agreement without notice to You if You fail to comply with any of its terms. Any
such termination by the Company shall be in addition to and without prejudice to
such rights and remedies as may be available to the Company, including injunction
and other equitable remedies. The disclaimers, limitations on liability, ownership,
termination, interpretation, Your license to the Company, Your warranty and the
indemnity provisions of this Agreement shall survive the termination or expiry of
this Agreement.
7. INDEMNITY
You agree at all times to indemnify, defend and hold harmless the Company, its agents,
suppliers, affiliates and their respective directors and employees against all actions,
proceedings, costs, claims, damages, demands, liabilities and expenses whatsoever
(including legal and other fees and disbursements) sustained, incurred or paid by
the Company directly or indirectly in respect of:
(i) any information or other content You provide on or through this Web site or
which is sent to the Company by e-mail or other correspondence; or
(ii) Your use or misuse of the Content or this Web site, including without limitation
infringement claims.
8. GOVERNING LAW
The Company, this Web site and the Content (excluding linked Web sites or content)
are physically located within United States of America. This Agreement will be governed
by the laws of United States of America.
10. DISPUTE RESOLUTION
In the event of a dispute, We agree to submit to the jurisdiction of the United
States courts.
11. INTERPRETATION
The division of this Agreement into sections and the insertion of headings are for
convenience of reference only and shall not affect the construction or interpretation
of this Agreement. In this Agreement, words importing the singular number include
the plural and vice versa, words importing gender include all genders; and words
importing persons include individuals, sole proprietors, partnerships, corporations,
trusts and unincorporated associations. All references to money amounts in this
Agreement, unless otherwise specified, are in United States dollars.
12. ENTIRE AGREEMENT
These terms and conditions and any and all legal notices on this Web site constitute
the entire agreement between You and the Company with respect to the use of this
Web site and the Content. No supplement, modification or amendment to this Agreement
and no waiver of any provision of this Agreement shall be binding on the Company
unless executed by the Company in writing. No waiver of any of the provisions of
this Agreement shall be deemed or shall constitute a waiver of any other provision
(whether or not similar) nor shall such waiver constitute a continuing waiver unless
otherwise expressly provided.
13. SEVERABILITY
Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction
shall, as to that jurisdiction, be ineffective to the extent of such prohibition
or unenforceability and shall otherwise be enforced to the maximum extent permitted
by law, all without affecting the remaining provisions of this Agreement or affecting
the validity or enforceability of such provision in any other jurisdiction.
14. ENUREMENT
This Agreement shall inure to the benefit of and be binding upon each of Us and
our respective successors and permitted assigns. You acknowledge having read this
Agreement before accepting it, having the authority to accept this Agreement and
having received a copy of this Agreement.
©2005-2006 Mobium Mortgage Group, Inc.. All Rights Reserved.
Effective Date: September 2, 2005
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