1. Use of Site
Heritage Mortgage Corporation (“HMC”) authorizes you (“USER”) to view and download the materials at this website (“Site”), for the sole purpose of providing financing for our clients and contacting HMC, provided that you retain all copyright and other proprietary notices contained in the original materials and/or on any copies of the materials. You may not modify the materials at this Site in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any other purpose. Any use of these materials on any other website or networked computer environment for any other purpose is prohibited. The materials at this Site are copyrighted and any unauthorized use of any materials at this Site may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorization to use this Site automatically terminates and you must immediately destroy any downloaded or printed materials.
This site is provided by HMC on an "as is", "where is" and "where available" basis. Without warranties of any kind whether express, implied or statutory including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. This does not affect those warranties which are incapable of exclusion, restriction or modification under the laws applicable to this Agreement.
HMC will not be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages. You expressly agree that your use of this site is at your sole risk.
You acknowledge that neither HMC, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that the services or the site will be uninterrupted or error free; nor do they make any warranty as to this site, its servers, internet browser software, or e-mail sent from are free of viruses or other harmful components.
HMC does not endorse products or services appearing on linked sites or purchased via linked sites. (This does not affect any manufacturer’s warranties that the providers of the linked sites otherwise offer.)
3. Limitation of Liability
In no event will HMC, its suppliers, or other third parties mentioned at this site be liable for any damages whatsoever (including, without limitation, those resulting from lost profits, lost data or business interruption) arising out of the use, inability to use, or the results of use of this site, any websites linked to this site, or the materials or information or services contained at any or all such sites, whether based on warranty, contract, tort or any other legal theory and whether or not HMC has been advised of the possibility of such damages. If your use of the materials, information or services from this site results in the need for servicing, repair or correction of equipment or data, you assume all costs thereof. Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so these limitations or exclusions may not apply to you.
4. Copyrights/Trademarks/Service marks
All of the pages and screens on the Site are owned and controlled by HMC, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, look, feel, data, information, sound, or video materials, and the content on the Site. You are authorized to view the information available on the Site for the sole purpose of providing financing for our clients and contacting HMC only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any reason other then its intended purpose. Other featured words used on the Site to identify the source of goods and services are copyrights, and/or trademarks, and/or service marks owned by HMC or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the copyrights, trademarks, or service marks found on the Site except as authorized in this paragraph. You may not use any of the HMC trademarks as a link to the Site except pursuant to a written trademark license agreement.
HMC and its affiliates respect the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact HMC.
5. Links to Third-Party Websites
Links on this Site to third-party websites are provided solely as a convenience to you. If you use these links, you will leave this Site. HMC has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites or their content. Thus, HMC does not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to this Site, you do this entirely at your own risk.
6. Registration Information
7. Your Account
It is a condition of your use of any HMC Internet Service that you do not restrict or inhibit any other USER from using and enjoying the Service; post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation, any images or other material depicting nudity, or post or transmit comments containing harassing or offensive language. Visitors may submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. HMC reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.
HMC administers this Site from its offices in Roseville, California. HMC makes no representation that materials or services at this Site are appropriate or available for use outside the United States, and access to them from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials or services at this Site or any copy or adaptation in violation of any applicable laws or regulations including without limitation U.S. export laws and regulations. If you choose to access this Site from outside the United States, you do so on your own initiative and are responsible for compliance with applicable local laws. These Terms will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws.
12. Applicable Law
By visiting HMC, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and HMC or its affiliates.
Any dispute relating in any way to your visit to HMC or to products you purchase through HMC shall be submitted to a court of competent jurisdiction in Placer County, California, except that, to the extent you have in any manner violated or threatened to violate HMC's intellectual property rights, HMC may seek injunctive or other appropriate relief in any state or federal court in the state of California, and you consent to exclusive jurisdiction and venue in such courts.
14. Contact us
Heritage Mortgage Corporation
9706 Fair Oaks Blvd., Ste 160
Sacramento, CA 95628
15. Integration Clause
This Agreement, and any modification published on this website, states the entire and exclusive agreement of the parties with respect to the matters set forth in the Agreement, and supersedes all prior or contemporaneous oral or written understandings, statements or promises.
16. Changes to this policy
Rev. November 2008