Mortgage Professionals, Inc

USER AGREEMENT AND COPYRIGHT NOTICE MORTGAGE PROFESSIONALS, INC.

Mortgage Professionals, Inc. web site is provided to the user on terms and conditions outlined below:

The "User"agrees without changes in terms and conditions and all notices placed herein that by using this website or accessing its contents in any manner or form directly or indirectly that all terms, conditions and notices contained herein are expressly understood and agreed upon.

Mortgage Professionals, Inc. reserves all rights to amend, change, revise or modify the terms and conditions unilaterally any time. The User will rely upon self to understand such changes in reviewing any changes.Any usage of the website after such changes are made ,will constitute an acceptance of the terms and conditions made.Mortgage Professionals, Inc. also reserves the right to deny, restrict or withhold access to the user anytime without notice or cause.

COPYRIGHT AND TRADEMARK NOTICES
All contents of the website www.mortgageprosinc.com is copyrighted © 1996-2003 by Mortgage Professionals, Inc. and or by its subsidiaries located at 5330 Stadium Trace Parkway, Suite 350, Birmingham, Alabama United States of America.

NON COMMERCIAL USAGE
The contents of this website are for personal consumption only and strictly for Noncommercial usage. All the text, mortgage applications, mortgage content, calculators graphics, page layouts, computer codes,logos and slogans are the property of Mortgage Professionals, Inc. and cannot be reproduced, copied, derived into another product, published, transferred, sold, hypothecated, licensed, transmitted, electronically altered, displayed or converted without written permission.

RIGHT TO CHANGE
Mortgage Professionals, Inc. reserves the right to make any and all changes to the contents of www.alliancemtg.com without notice to the user and at its sole discretion anytime.

USERS REPRESENTATIONS
User hereby represents and agrees that there is no direct or implied partnership, Co-branding agreement,employment contract, joint venture, economic arrangement,or an agency relationship as a result of the usage of this website between Mortgage Professionals, Inc. and the user. The user will not represent himself/herself as an employee if not employed at the time by Mortgage Professionals, Inc. or its subsidiaries, or as an agent of Mortgage Professionals, Inc..

Furthermore Mortgage Professionals, Inc. shall not be liable for any such representations made by any individuals or Businesses using its name on the Internet or otherwise in similar names to the likes of Mortgage Professionals, Inc. with or without Mortgage Professionals, Inc.'s knowledge.

DISCLAIMER NOTICE
Mortgage Professionals, Inc. will provide the user with best possible information in all Good faith and belief and will maintain high integrity of its content and data. The information published on this website sometimes may contain inaccuracies, typographical errors, missing data,incomplete content,and may be non functional and cannot be relied upon. All information is provided on a "as is" basis without any warranty. Mortgage Professionals, Inc. and/or its vendors, stockholders, directors hereby disclaim all warranties and conditions with regard to this information, products and services, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS AND RELIANCE FOR ANY PURPOSE, TITLE AND NONINFRINGEMENT.

Mortgage Professionals, Inc. and/or its vendors, owners, partners, suppliers, designers, stockholders, directors, employees, service providers, hosting companies, affiliates, associates, content providers in no event will be liable For any damages incurred directly, indirectly,incidental,special,punitive,or consequential whether such damages arise from the usage of this website or implied from the usage of this website, or from any other source, as a result of usage by third party or arise through tort,contract,strict liability or otherwise.

In no event such Mortgage Professionals, Inc.'s liability will exceed the fees it actually received in relation to the occurrence with the user where the user asserts such damages or claims exists. User also hereby agrees not to claim any amounts over and above what he paid for the actual services and will not sue Mortgage Professionals, Inc., its owners, stockholders, employees, directors, vendors, associates, service providers,hosting companies, staff or any parties related to Mortgage Professionals, Inc..

Furthermore Mortgage Professionals, Inc. makes no representations and warranties about the suitability of its web site content ,malfunctioning ,delayed services,products,loan information, rates changes, services provided ,or makes any promises to guarantee closure of any loans made through the web site.

INDEMNIFY
As a condition of the usage of this web site the user hereby agrees to indemnify Mortgage Professionals, Inc. and its subsidiaries,stockholders, directors, employees, associates, service providers and parties related to Mortgage Professionals, Inc. from and against any and all liabilities, damages, costs, ,expenses, attorney fees,costs, as a result of the usage of this web site or its content, malfunctions, materials, information or any other interaction.

GOVERNING LAW
This agreement is governed by the laws of the State of Alabama, United States of America. The user consents and agrees that any disputes arising out of the usage of this web site will be governed by the laws of the State of Alabama , and the exclusive jurisdiction and venue of courts will be held in Jefferson County, Alabama.

Usage of this web site is unauthorized in any other jurisdiction that does not provide all provisions of the terms and conditions set herein including and without limitations of this paragraph.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to any applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, the invalid or unenforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

ENTIRETY OF THIS AGREEMENT
This agreement contains the entire Agreement between Mortgage Professionals, Inc. and the user and it supersedes any prior versions and notices, written , oral and electronic between both parties.

A printed copy of this Agreement and any notice given in an electronic form will be admissible in any judicial or administrative proceeding to the same extent and subject to same conditions as other business documents in printed form.

This agreement holds all notices, policies, disclaimers and terms of usage and in the event of a conflict between such other terms and conditions the terms of this agreement will hold. Any rights not expressly granted herein in this Agreement are reserved.

PRIVACY POLICY MORTGAGE PROFESSIONALS, INC.
Mortgage Professionals, Inc. web site is provided to the user on terms and conditions outlined below:

Privacy Policy

Protecting your privacy is important to Mortgage Professionals, Inc. and our employees. The following is intended to explain our current internet privacy protection practices.

Mortgage Professionals, Inc. monitors overall site traffic to ensure users of Mortgage Professional's web site are able to access information in an effective manner. By monitoring overall site traffic, Mortgage Professionals, Inc. is able to continually improve the site to better suit the users needs. While Mortgage Professionals, Inc. monitors overall site traffic, it does not collect individual user information from those who only browse or download information.

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

     The name of your Internet service provider.
     The web site that referred you to us (if any).
     The date and time the pages were accessed.
     The page or pages you requested.

Mortgage Professionals, Inc. does not collect personal information about you unless you voluntarily participate in an activity that asks for information (i.e. sending an email, participating in a survey, or filing an online application). If personal information is requested on the web site or volunteered by the user, state law and the federal Privacy Act of 1974 may protect it. However, this information is a public record once you provide it, and may be subject to public inspection and copying if not protected by federal or state law.

We may share personal information with our mortgage affiliates as allowed by federal law, if that information is required to provide a product or service you request.

We do not share information with non-affiliated third parties concerning your loan request with us, except: a). to verify the condition and existence of your account for a third party (such as a credit bureau) b). to complete a transaction or perform a service you've requested; c). to comply with any court order or applicable laws or regulations; or d). when you give us your written permission.

Mortgage Professionals, Inc. does not sell, rent or otherwise distribute visitor information, including email addresses, to any outside company or organization. We do not reveal specific information about subscribers or other personally identifiable data to unaffiliated third parties for their independent use, except if required to do so law.

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

When you link to another site and you are no longer on the Mortgage Professionals, Inc.'s web site, this Privacy Notice will not apply.

What Information We Collect
We may use the information you provide about yourself to fulfill your requests for our products, programs, and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you. We may collect "nonpublic personal information" about you from the following sources:

     Information we receive from you on applications or other loan and account forms;
     Information about your transactions with us or others; and
     Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balances and payment history.

There are instances where you may elect to provide us with personal information. This is all governed by Mortgage Professional's privacy policy.

Please do not send account or social security numbers or any other private information to Mortgage Professionals, Inc. or anyone else in an email message.

Linking
Periodically, links may be established from this Web Site to one or more external web sites or resources operated by third parties (the "Third Party Sites"). These links are provided for your convenience only. In addition, certain Third Party Sites also may provide links to the Mortgage Professionals, Inc. Web Site. None of such links should be deemed to imply that Mortgage Professionals, Inc. endorses the Third Party Sites or any content therein.

Mortgage Professionals, Inc. does not control and is not responsible or liable for any Third Party Sites or any content, advertising, products, or other materials on or available from such Third Party Sites. Access to any Third Party Sites is at your own risk and Mortgage Professionals, Inc. will have no liability arising out of or related to such web sites and/or their content or for any damages or loss caused or alleged to be caused by or in connection with any purchase, use of or reliance on any such content, goods, or services available on or through any such Third Party Site.

DISCLAIMER
Website Content: You are hereby advised that any reliance upon materials on this web site shall be at your sole risk. Mortgage Professionals, Inc. has made every attempt to ensure the information on this site is correct. However, Mortgage Professionals, Inc. makes no representations or warranties as to the truth, accuracy, timeliness or completeness of any statements, information or materials that may be contained in the Mortgage Professionals, Inc. web site. Mortgage Professionals, Inc. reserves the right, in its sole discretion and without obligation, to make amendments to, or correct any error or omission in, any portion of these materials at any time. In no event will Mortgage Professionals, Inc. be liable for any direct, indirect, punitive, special, incidental or consequential damages arising from the use of Mortgage Professionals, Inc.'s web site. Should you find any information that is incorrect, please email Our Webmaster so that errors may be corrected.

BY VISITING OR USING THIS SITE, OR ANY PAGE OF THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE, AND YOU ACKNOWLEDGE THAT SUCH AGREEMENT CONSTITUTES A BINDING CONTRACT BETWEEN YOU AND  Mortgage Professionals, Inc. . IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.
THESE TERMS AND CONDITIONS MAY BE MODIFIED AT ANY TIME BY REVISING THIS PAGE WITH NO NOTICE TO YOU.