YOUR USE OF OUR WEBSITE AND YOUR VIEWING OF OUR SITE WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS "TERMS OF USE". CLICKING ONTO WEB PAGES BEYOND THE WEBSITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION, FILLED OUT A FORM WITH THE COMPANY OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, TEXT, EMAIL, FAX OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE OUR WEBSITE.
WEBSITE OWNERSHIP
This website is owned and operated by Quick Mortgages & Refinancing®,3140 S Parker Rd Suite 2 Aurora, CO 80014, which is referred to below as "Quick Mortgages®" or "we" or "us" or "Company" or "our."
PERMITTED USE
You agree that:
1. Your use of this website is subject to and governed by these Terms of Use.
2. You will only access or use this website and transact business with us if you are at least 18 years old.
3. You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website.
4. Each use of this website by you indicates and confirms your assent to an agreement to be bound by these Terms of Use.
5. These Terms of Use are a legally binding agreement between you and Quicken Loans that will be enforceable against you.
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with Quick Mortgages & Refinancing® as a bona fide client of Quick Mortgages & Refinancing®; you may not use or attempt to use this website or any part of this site for any purpose:
1. That interferes with or induces a breach of the contractual relationships between Quick Mortgages & Refinancing® and its Mortgage Loan Officers or employees.
2. That is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property.
3. That transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email, unsolicited commercial communications.
4. That transmits any harmful or disabling computer codes or viruses.
5. That harvests email addresses from this site.
6. That transmits unsolicited Email to this site or to anyone whose email address included the domain name under this website.
7. That interferes with our network or service.
8. That attempts to gain unauthorized access to our network services and our database.
9. That impairs or limits our ability to operate this website or any other person's ability to access and use this website.
10. That uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with Quick Mortgages & Refinancing® as a bona fide client of Quick Mortgages & Refinancing®.
11. The unlawful impersonations or otherwise misrepresents your affiliation with any person or entities.
12. That harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct.
13. That transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images.
14. That harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities.
15. That dilutes or depreciates the name and reputation of Quick Mortgages & Refinancing®.
16. That transmits or uploads any content or images that infringes any third party's intellectual property rights or infringes any third party's right of privacy.
17. That unlawfully transmits or uploads any confidential, proprietary or trade secret information.
18. Quick Mortgages and Refinancing INC, does not resale any of your information provided via your contact information from our site to any third-party vendors.
ACCESS TO THIS WEBSITE
Quick Mortgages & Refinancing® always reserves the right, in its sole discretion and without notice to you, to deny your access to and use of our website.
USE OF THIS WEBSITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
CONTACT METHODS AND OPTING OUT
Agreement that Quick Mortgages & Refinancing and affiliates can contact you via cell phone, emails, mail, phone calls and text messages: If you submit to Quick Mortgages and Refinancing® through this website or otherwise you are making an inquiry as to lending programs and additional services offered by Quick Mortgages & Refinancing® and its mortgage vendors. You understand and agree that if you submit an inquiry to us, we may contact you to discuss mortgage purchase, refinancing loan options or for a mortgage review. In addition, our insurance affiliate may contact you to discuss home insurance, potential escrow savings and other insurance options. The information that you provide during the inquiry, including, but not limited to, your full name, address, birthdate, cell phone number, telephone number, and email will be provide to a Mortgage Specialist so that they may respond to your inquiry.
You authorize Quick Mortgages & Refinancing® to contact you via the provide information from your loan inquiry and to share your information, either as provided by you or as corrected by us.
Also, you authorize Quick Mortgages and Refinancing® to only share your information from the inquiry you submitted through this website within our organizations Quick Mortgages & Refinancing and with Mike Gibbs Insurance Agency, Inc., and its licensed mortgage & insurance employees. You acknowledge that Quick Mortgages & Refinancing® is not a party to any agreement that you may make with an affiliate, and that the affiliate is a separate entity that solely responsible for its services to you.
You understand that requirements for a particular loan product or service, including a mortgage via our affiliate, are determined by the affiliate and that Quick Mortgages & Refinancing® does not endorse, warrant, or guarantee the products or services of any of its affiliate. You agree that Quick Mortgage & Refinancing shall not be liable for any damages or costs which arise from your use of the affiliate goods and/or services including from Mike Gibbs Insurance Agency, Inc.
By submitting your inquiry through this website for a home loan product, you are consenting to be contacted by Quick Mortgages & Refinancing or by one of our Affiliates, including Mike Gibbs Insurance Agency, Inc., and by telephone (on a recorded line), cell phone, email, fax, home phone, mail, text messages or any means, even if you have opted into the National Do Not Call or Mail List, any state equivalent Do Not Call or Mail List or the internal Do Not Call List of any company. You understand that the Quick Mortgages & Refinancing® and Affiliate may maintain the information you provided and submitted to us through the website even if you decide not to use their services.
In the event you no longer want to receive communications from us or an Affiliate, you agree to notify us by calling this number: 720 749-5982 leave a voice message including the following: First and last name, property address and your phone number so we can confirm your information and remove you from our database. Please allow for 10-15 business days for our system to finalize your request. Nothing in these Terms of Use, inquiry submission or on this website constitutes an offer for a loan commitment, approval, or interest rate lock agreement. You must speak with one of our knowledgeable Mortgage Specialists directly to submit a Home Loan application.
Web Page Content: You Acknowledge and Agree That:
• all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and all rights associated with the Web Page Content are owned by Quick Mortgages & Refinancing®, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
• as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
• as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company's website or controls the content of any other Internet browser window.
Submissions:
You acknowledge and agree that all submissions to Quick Mortgages & Refinancing® containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge Quick Mortgages & Refinancing® unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.
Testimonials:
You acknowledge and agree that all testimonials submitted to Quick Mortgages & Refinancing® will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to Quick Mortgages & Refinancing® the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Quick Mortgages & Refinancing® may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.
