Privacy Policy

Updated: September 8, 2022

iMortgageDirect.com understands the importance of online privacy. The following Policy outlines how we do business, what information we collect and how, under what circumstances the information is shared with third parties, and your options to control what communications you receive from us and from our marketing partners. If you have any questions or concerns about this Privacy Policy, please contact us.

Information We Collect And How It Is Used

In order to participate in this promotion, you must first complete the registration information requested. We ask for an email address so that we may contact you if necessary and we ask for a mailing address so we know where to ship the products that you have chosen pertaining to our special offers.

Registering for this promotion automatically subscribes you to the iMortgageDirect.com newsletter, a periodic email communicating various offers that we think you might like based on the registration information you provided, and any offers that you selected in this promotion. Users may unsubscribe from this newsletter at any time by clicking on the automated link provided at the end of the email.

We request a limited amount of personally identifiable information from users who participate in the promotions on this site. This information includes, but is not limited to the following:

• email address
• name
• address, city, state, zip
• phone number

We use this information to communicate with you about the status of your premium and/or any offers you have selected from our sponsoring companies. We request your address and phone number for shipping purposes.

We use information provided by our users to enhance their experience on this and similar Web sites. We also use the information provided voluntarily to send out electronic mailings for offers that we think will be of interest to you. At all times, Users have the option to unsubscribe from such mailings by clicking on the unsubscribe link provided on each mailing.

We create internal reports on user demographics and traffic patterns to measure the effectiveness of our marketing campaigns and promotions, and to report results to our marketing partners. We do not use any personally identifiable information to compile these reports.

Participating lenders may request additional demographic and/or personally identifiable information for their use in subsequent marketing and promotion activities, and their privacy policies, and terms and conditions may differ from iMortgageDirect.com's. It is solely your responsibility to read our Sponsors privacy policies, and terms and conditions, and to determine whether you agree or disagree.

Some of the third party advertisers that we use have their own privacy policies and may allow you to opt out of having your information collected as discussed above.

How We Collect Information

The Company gathers information in the following ways:

Cookies

A cookie is a small text file stored on a user's computer for record-keeping purposes. The Company uses cookies only to enable users to be routed properly through our site. We also provide links to external advertisers and marketing Partner companies; these sites may choose to use cookies to better promote their products and services. These advertisers and marketing partner companies have their own privacy procedures and policies that are not controlled by the Company.

We encourage our users to be aware of the individual privacy policies of every Web site that the user contacts.

Clear Gif's (Web Beacons/Web Bugs)

The Company may also use a software technology called clear gif's that help us determine what content on our site is most effective. Clear gif's are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. We do not tie the information gathered by clear gif's to our customers' personally identifiable information.

We also use clear gif's in our HTML-based emails so that we know which emails have been opened. We use this information to monitor the effectiveness of our email campaigns and to validate our results to our marketing partners.

Notwithstanding anything else herein, we may partner with third party advertisers who may (themselves or through their partners) place or recognize a unique cookie on your browser. These cookies enable more customized ads, content or services to be provided to you. To trigger these cookies, we may pass an encrypted or "hashed" (non-human readable) identifier corresponding to your email address to a Web advertising partner, who may place a cookie on your computer. No personally identifiable information is on, or is connected to, these cookies. To opt-out of these cookies, please go to http://www.privacychoice.org/choose or http://www.networkadvertising.org/managing/opt_out.asp.

Log Files

Log files are also used to track and monitor traffic patterns on our site. They are not used to track or monitor personally identifiable information.

Tell-A-Friend

Users may forward the email address of another person who may also be interested in this particular offer. The information is used only to forward the information to that person and is not retained for any other purpose.

User Feedback/Inquiries

Users may contact the Company with any feedback, questions or comments. The Company uses contact information only to respond to the feedback.

Other Circumstances

Subsequent to this promotion, the Company may sponsor sweepstakes, contests or other events for which we need to collect and retain personally identifiable information. The Company may co-sponsor such events with other companies.

Information We Share

This Privacy Policy applies to consumers that have signed up on the iMortgageDirect.com website. We may sell, brand or share your personal information that you supply to us with other 3rd party businesses so they can bring selected retail opportunities via direct mail, e-mail, SMS text messaging, telemarketing, pre-recorded messages, or automated attendant telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing. For example, if you express interest in a particular product or service, you may be contacted by telephone from Interactive Impact, Inc. or one of its contracted affiliates regarding that particular product or service. The Company collects minimal demographic and personally identifiable information from many users. This information is aggregated and analyzed to help us tailor future offers and to help our marketing partners and advertising agencies understand the demographics of our customers in order to evaluate the potential effectiveness and profitability of doing business with us. Part of our business model involves sharing personally identifiable information, such as name and address, with third-party marketing concerns. While the Company cannot control the practices of our advertisers and third-party marketers, we endeavor at all times to do business with reputable partners who also follow a best practices model regarding your privacy.

All information provided to the Company by the users of this site may be used to support our suppression, validation and enhancement services to other marketing companies, advertising agencies, compilers and data companies.

As an example, opt-out information may be shared with other marketing partners so that those users opting out of further offers are suppressed from the partner's mailings or promotions, as well as our own. In addition to complying with our users' preferences, it simply makes good business sense to mail only to those customers who have indicated a desire to receive such mailings.

The Company's business model includes participating in affiliate network programs and other co-marketing partnerships to promote our site. We reserve the right to share with 3rd parties the information we collect on this site for any purpose.

The Company as a rule will not intentionally disclose personally identifiable information about its users to any third party without first receiving the user's permission. However, the Company may disclose personally identifiable information if required to do so by law, or in the good-faith belief that such action is necessary to (a) conform to edicts of law of comply with legal processes; (b) protect and defend the rights or property of the Company's advertising service, and (c) act under exigent circumstances to protect the personal safety of any user of the Company's advertising service.

WE MAY Sell, Rent or Share Any Identifiable Information provided by you to any 3rd party email list managers, and/email service providers. In addition, if you elect to register to receive daily emails, newsletters, you can expect to receive advertisements which will include third party promotional offer from one of iMortgageDirect.com's advertising/marketing partners. You also agree by clicking the “Get a free quote button” at http://www.iMortgageDirect.com you agree to our privacy policy and also further agree to share your information with participating lenders and for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. You also understand that consent is not a condition of purchase

Use of Information

This Privacy Policy applies to consumers that have signed up on the iMortgageDirect.com website, and or have submitted their email address through our affiliate network program and other co-marketing partnerships to promote our site. We may use the personal information that you supply to us and work with other third party businesses to bring selected retail opportunities to our members via direct mail, email, SMS text messaging, and telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.

Opt-out rights

For SMS text messages, you may remove your information by replying "STOP", "END", "QUIT" to the SMS text message you have received and we will remove your personal information within 10 days of receiving such request.

SPECIAL OFFER SERVICE SUBSCRIPTION & EXPRESS CONSENT TO RECEIVE MESSAGES.

By accepting of the terms and conditions of this website (and any associated offers, contests, giveaways or other programs), and providing your telephone number, you are subscribing to a free Special Offer Service ("SOS"). SOS subscribers receive pre-recorded telephone messages regarding various special product offers and purchase incentives, and are also automatically entered into various contests and sweepstakes whenever they receive such calls. The service is free of charge. For more information regarding the SOS and its associated sweepstakes and contests, including applicable rules, please visit www.specialofferservice.com.

By subscribing, such act constitutes your express written consent to be contacted by iMortgageDirect.com ("iMortgageDirect.com") via prerecorded telephone message for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), and the Electronic Signatures in Global and National Commerce Act (15 USC §96), as amended from time to time. The calls you are agreeing to receive describe goods and services offered by third parties through the SOS, and any goods or services described in the call are not sold by or through iMortgageDirect.com.

You are subscribing to receive calls only from iMortgageDirect.com, and only at the specific number(s) you have provided to us. Your consent will be effective if the number you have provided is a home, business, or cell phone line, or if the number is registered on any state or federal Do-Not-Call (DNC) list as of the date of this consent. iMortgageDirect.com reserves the right to refrain from calling any number registered on a DNC list in connection with any promotions. This consent shall remain in effect until you revoke your consent and cancel your subscription.

To unsubscribe: You may cancel your SOS subscription and revoke your consent to receive calls at any time by either (a) utilizing the opt-out procedure included in any message you receive; (b) by sending an e-mail that includes your telephone number to optout@iMortgageDirect.com; (a) or (b) by sending a written request to iMortgageDirect.com, 9858 Glades Road #221, Boca Raton, FL, 33434. We may take a reasonable period of time to respond to any request to opt out or cancel or modify a subscription. If you request the cancellation or modification of your subscription, such information may be retained for a period of time in our backup systems as a precaution against system failures. Some information may be retained for longer periods as required by law, contract or auditing requirements.

NOTE: iMortgageDirect.com does not send e-mail, and is unable to honor any unsubscribe requests regarding e-mail sent by other companies. If you are receiving offers via e-mail, please follow the unsubscribe instructions included therein.

Delete/Deactivate Policy

Users at any time may unsubscribe to our electronic mailings by following the instructions that we include at the end of every mailing. To correct, update or request that we delete information you provided, please contact us via email, or by writing

iMortgageDirect.com

ATTN: Unsubscribe Department

9858 Glades Road #221

Boca Raton, FL 33434

Notification Of Changes To Privacy Policy

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 these policy changes to our Web site to notify you and provide you with the opportunity 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.

General Security Policy

The Company endeavors at all times to meet and exceed standards of online privacy protection. When you submit information, your information is protected both on-line and off-line in accordance with applicable laws, regulations and industry standards. For example, without limitation, the company uses a Network Administrator, SSL to protect the confidentiality of the information you provide.

For additional information or specific questions, please contact us.

Terms & Conditions

Updated: September 8, 2022

The iMortgageDirect.com website and its associated services and content (collectively “Website”) is owned and operated by iMortgage Direct, LLC (“iMortgage”). iMortgage has adopted this Terms of Use Agreement (“Agreement”) to inform you of your rights and duties when using the Website. If you do not agree with the terms and conditions of this Agreement, you are expressly prohibited from using the Website and must discontinue your use immediately.

Please read this Agreement carefully before accessing, paying for, or using the Website and associated services. You agree that your accessing and use of the Website subject you to the applicable terms of this Agreement.

iMortgage MAY, FROM TIME TO TIME, AND RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION, TO MODIFY, UPGRADE, LIMIT, CHANGE, DISCONTINUE, OR REPLACE THE WEBSITE OR THIS AGREEMENT. IN THE EVENT iMortgage MODIFIES, LIMITS, CHANGES, OR REPLACES THE WEBSITE OR THIS AGREEMENT, YOUR USE OF THE WEBSITE AFTER SAID MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT CONSTITUTES YOUR MANIFESTATION OF ASSENT TO THE MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT. HOWEVER, iMortgage WILL MAKE REASONABLE EFFORT TO NOTIFY YOU BEFORE ANY MAJOR CHANGES ARE MADE TO THE WEBSITE.

Medicare Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

1. About the Site

iMortgage matches qualified loan applicants with appropriate partners/dealers/lenders in the industry. The Website provides applicants with the opportunity to complete online loan requests to get more information and quotes regarding mortgages and other credit offers.

Although the Website aims to provide reliable information and resources about mortgage loan applications, quotes, and financing, iMortgage does not guarantee the information provided about mortgage loans and mortgage loan applications. You understand and agree that iMortgage is not a lender and does not make credit decisions, so any pre-qualification, approval, finance terms, and APR will be at the sole discretion of the participating lenders or dealers. The Website is free for users and displays content various third-party advertisements related to, but not limited to car loans and credit scores. The Website also displays blogs, customer reviews, and other resources to appropriately match up qualified car applicants with dealers/lenders.

Even though iMortgage will use commercially reasonable efforts to enable the Website to be generally accessible, you understand that iMortgage is not obligated to provide any maintenance, technical or other support for the Website.

2. Warranties and Representations

You warrant and agree that you have the right and legal capacity to enter into this Agreement and to adhere to its terms and conditions. Persons under the age of eighteen (18) may not use the Website. You warrant that you are not prohibited from assenting to this Agreement by any preexisting Agreement.

You warrant and represent that any and all information that you provide to iMortgage and the Website is accurate and valid. You agree to comply in good faith with the terms of this Agreement.

Given the global nature of the Internet, you agree to comply with all laws and rules where you reside or where you use the Website. The Website is operated in the United States and iMortgage makes no representation that its Website or services are appropriate, lawful, or available for use in other locations. iMortgage does not offer the Website where prohibited by law. You agree that if it is illegal in your jurisdiction to use the Website, you are prohibited from doing so.

3. Ownership of Website and License

You acknowledge and agree that iMortgage is the owner of, or has rights in and to, the Website and its associated content, including but not limited to all intellectual property rights inherent therein. The Website is protected by all applicable laws, intellectual property or otherwise, and you are expressly prohibited from using the Website for any purposes not explicitly stated in this Agreement. Specifically, and except where otherwise allowed under this Agreement, you are prohibited from framing, scraping, aggregating, hacking, reverse engineering, crawling, reproducing, preparing derivative works of, distributing, performing publicly, or displaying publicly the Website, whether in whole or in part, without the prior written consent of iMortgage.

iMortgage hereby grants you a limited, non-exclusive, non-sublicensable, royalty free, non-assignable, and revocable license to use the Website for its customary and intended purposes. Use of the Website for a use outside of its customary and intended purposes or in violation of the terms of this Agreement will result in the termination of this license. Absent prior written permission from iMortgage, you are not permitted to reproduce, prepare derivative works, distribute copies, perform, display, or use for commercial purposes the Website or its content. This license is revocable at any time, and any rights not expressly granted herein are reserved to iMortgage.

4. Trademarks

All trademarks, common law or registered trademarks, displayed on this Website are the property of their respective owners. Specially, all iMortgage marks are owned by or licensed property of iMortgage, including, but not limited to iMortgage and iMortgage logos. The Website, including its look and feel, color selections, layout, and arrangement, is the trade dress of iMortgage. You are prohibited from using iMortgage’s trademarks, service marks, and trade dress, or any colorable imitation thereof, to indicate the source of, sponsorship of, approval of, affiliation with, connection with, or association with your goods or services without the prior written consent of iMortgage.

5. Our Web Service Is Free:

Use of the Website is free for all users. Any enhanced services or tools for advertisers can be purchased on terms included or displayed on the Website, including the terms posted herein.

Please see the Website’s Privacy Policy, which is incorporated into this Agreement by reference, regarding the collection and use of information about you. iMortgage does not endorse you or discriminate based upon any information provided by you to the Website.

iMortgage may change any terms, conditions, rates, fees, expenses, or charges regarding your use of the Website at any time. Your use of the Website shall constitute acceptance of any changes made to this Agreement.

You agree to provide iMortgage with accurate, up to date, and complete information. You understand and agree that you have an ongoing duty to update your personal information if and when it changes. You are expressly prohibited from impersonating another person or otherwise violates the rights of a third party. iMortgage reserves the right to restrict your access to the Website, in its sole discretion, and without prior warning.

iMortgage is under no obligation to preserve your data for any length of time and will not be responsible for any loss of data. iMortgage is under no obligation to provide you with any data associated with your use of the Website, except as otherwise provided in the Privacy Policy.

You agree that iMortgage, and its designees and agents, may contact you by any available means, including, but not limited to, by email.

6. Section 230 of Communications Decency Act

You acknowledge and agree that iMortgage is an interactive computer service provider under Section 230 of the Communications Decency Act. Though iMortgage may edit, remove, or control the content displayed through the Website, you agree that iMortgage will not be considered an information content provider and will not be held liable for the republication of defamatory or tortious content created by third parties, whether through the Website or otherwise.

7. Third Party Links

You understand that the Website may contain banners, pop-ups, and links to third party websites, applications, or services that iMortgage does not own or control. You agree that iMortgage will not be held responsible or liable for the content of banners, pop-ups, third party websites, applications, or services and that iMortgage’s inclusion of those websites, applications, or services within its Website does not constitute iMortgage’s endorsement of, recommendation of, or affiliation with any of those banners, pop-ups, websites, applications, or services.

8. SMS Campaigns:

Users may receive up to 5 daily SMS/Text Messages. Supporting carriers, include but are not limited to: AT&T, Sprint, Verizon, Carolina West, Nextel, Cellcom, Virgin Mobile, C Spire, Boost, Cincinnati Bell, T-Mobile, Cricket, U.S. Cellular. MetroPCS, T-Mobile and/or other Wireless carriers are not liable for any delayed or undelivered messages. Consumers may opt out of receiving text messages by replying “STOP”, “END”, or “QUIT” to any SMS text message they receive. Consumers may also reply with “HELP”. Message & Data Rates May apply to any text/sms communication.

9. No Endorsement

iMortgage does not endorse, recommend, or advise any commercial product, process, or service regarding car loan applications or credit decisions. The views and opinions of users, contributors, and others expressed on this Website do not necessarily state or reflect those of iMortgage and are not intended to be used for advertising or product endorsement purposes. The goods and services listed on this Website are not an offer to enter into a contract with iMortgage.

10. User Conduct

You expressly agree that you will not use the Website to violate any law, statute, ordinance, regulation, or treaty, to violate the rights of third parties, or for a use outside of the customary and intended purposes of the Website.

Specifically, you are expressly prohibited from: using a robot, spider, scraper, or other automated technology to access the Website; imposing a disproportionate load on the Website or its server infrastructure or otherwise attempting to interfere with the operation of the Website; circumventing iMortgage’s technological and physical security measures; impersonating another; posting or transmitting content that threatens or encourages bodily harm or destruction of property; posting or transmitting content that infringes upon the intellectual property rights of other users of the Website or third parties; posting or transmitting content that is offensive, derogatory, or obscene; posting or transmitting content that constitutes fraud, an unwanted commercial solicitation, a phishing scam, a pyramid scheme, or a chain letter; and posting or transmitting content intended to collect personal or personally identifiable information from users or third parties.

If you encounter content or witness behavior that you believe is inappropriate and violates this Agreement, you may report it to iMortgage by sending an email to info@imortgagedirect.com.

11. Term and Termination

This Agreement will remain in full force and effect so long as the Website is in operation. iMortgage may terminate this Agreement without liability at any time, without notice, and for any reason, including but not limited to for your violation of a term or condition of this Agreement.

12. Disclaimer of Warranties

CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED ON FOR FINANCIAL OR LOAN DECISIONS. YOU SHOULD NOT RELY UPON ANY SINGLE SOURCE OF INFORMATION IN MAKING ANY LOAN DECISIONS. CONTENT MAY CONTAIN INACCURACIES OR ERRORS AND MAY CHANGE. iMortgage MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE TRUTH OR FALSITY OF ANY INFORMATION SUBMITTED TO THE WEBSITE OR POSTED ON THE WEBSITE, OR THE ACCURACY OF ANY INFORMATION POSTED ON THE WEBSITE.

iMortgage DISCLAIMS ANY RESPONSIBILITY FOR ANY HARM OR LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES PURCHASED THROUGH THE WEBSITE. iMortgage PROVIDES THE WEBSITE AND THE SERVICES PROVIDED THROUGH THE WEBSITE ON AN AS-IS BASIS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, OR QUALITY. SOME JURISDICTIONS DO NOT ALLOW AN EXCLUSION OF IMPLIED WARRANTIES. IF YOU ARE LOCATED IN SUCH A JURISDICTION, THIS EXCLUSION MAY NOT APPLY.

iMortgage WILL NOT BE HELD LIABLE OR RESPONSIBLE FOR ANY CONTENT POSTED ON THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY ADVICE PROVIDED BY ANY THIRD PARTY, ANY THIRD PARTY LINKS POSTED ON THE WEBSITE, OR ANY CONTENT TRANSMITTED THROUGH THE WEBSITE. iMortgage IS A SERVICE PROVIDER AND DOES NOT ASSUME RESPONSBILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DESTRUCTION OF IDENTITY, OR ALTERATION THEREOF. iMortgage RESERVES THE RIGHT TO DISCONTINUE THE WEBSITE AT ANY TIME.

iMortgage WILL NOT BE HELD LIABLE FOR NETWORK, INTERNET, COMPUTER, HARDWARE, OR SOFTWARE PROGRAM MALFUNCTIONS, FAILURE, DELAYS, OR DIFFICULTIES WITH THE WEBSITE AT ANY TIME. YOU DOWNLOAD INFORMATION FROM THIS SITE AT YOUR OWN RISK. iMortgage MAKES NO WARRANTY THAT DOWNLOADS ARE FREE OF CORRUPTING COMPUTER CODES, INCLUDING, BUT NOT LIMITED TO, VIRUSES AND WORMS.

THE ENTIRE RISK ARISING OUT OF USE OR PERFORMANCE OF iMortgage’S WEBSITE OR RELATED SERVICES REMAINS WITH YOU.

13. Limitation of Liability

iMortgage WILL NOT BE LIABLE TO YOU UNDER ANY LEGAL THEORY FOR ANY DAMAGES, CLAIMS, INJURIES, JUDGMENTS, COSTS, OR LIABILITIES ARISING OUT OF OR RELATED TO YOUR USE OR MISUSE OF THE WEBSITE OR YOUR USE OF SERVICES OFFERED THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, LOSS OF BUSINESS, LOSS OF INCOME, SPECIAL DAMAGES, INCIDENTAL DAMAGES, CONSEQUENTIAL DAMAGES, PUNATIVE DAMAGES, OR EXEMPLARY DAMAGES. YOU UNDERSTAND AND AGREE THAT THE MAXIMUM AMOUNT THAT iMortgage CAN BE HELD LIABLE TO YOU UNDER ANY CIRCUMSTANCE IS THE AMOUNT THAT YOU PAID, IF ANY, FOR SERVICES PURCHASED THROUGH THE WEBSITE, AND IN NO CASE WILL THAT AMOUNT EXCEED $100. IF NO AMOUNT IS PAID BY YOU TO iMortgage, YOU AGREE THAT YOU WILL BE LIMITED TO INJUNCTIVE RELIEF ONLY UNLESS OTHERWISE PERMITTED BY LAW.

THE WEBSITE MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMISSIONS. iMortgage IS NOT RESPONSIBLE FOR ANY SUCH TYPOGRAPHICAL, TECHNICAL, OR PRICING ERRORS LISTED ON THE WEBSITE OR THE ACCURACY OR COMPLETENESS OF THE INFORMATION YOU PROVIDE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF DAMAGES. IF YOUR JURISDICTION DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF DAMAGES, YOU SHOULD SEEK LEGAL COUNSEL TO UNDERSTAND YOUR LEGAL RIGHTS UNDER THE LAW.

14. Indemnification

You agree to hold harmless, indemnify, and defend iMortgage, its officers, employees, agents, successors, and assigns, from and against any and all claims, demands, losses, damages, rights, and actions of any kind, including, but not limited to, property damage, infringement, personal injury, and death, that either directly or indirectly arise out of or are related to your use of the Website, your use or provision of any services purchased through the Website, your reliance upon advice provided through the Website, your violation of any term or condition of this Agreement, your violation of any applicable law, statute, ordinance, regulation, or treaty, whether local, state, national, or international, or your violation of the rights of a third party.

Your obligation to defend iMortgage under the terms of this Agreement will not provide you with the right to control iMortgage’s defense, and iMortgage reserves the right to control its defense and choose its counsel regardless of your contractual requirement to indemnify iMortgage.

15. Assignment

You acknowledge and agree that you are prohibited from assigning your rights and obligations under this Agreement. iMortgage may assign its rights and obligations under this Agreement at any time, including but not limited to in a sale of the Website.

16. Resolution of Disputes and Governing Law

This Agreement will be interpreted under and governed by the laws of the State of Florida without giving effect to any conflicts of laws principles. You agree that any claim or dispute that you may have against iMortgage will be exclusively resolved through arbitration.

YOU AND iMortgage AGREE THAT ARBITRATION WILL BE THE EXCLUSIVE FORUM AND REMEDY AT LAW FOR ANY DISPUTES ARISING OUT OF OR RELATING TO THIS AGREEMENT, YOUR USE OF THE WEBSITE, OR THE PURCHASE OF SERVICES FROM iMortgage, INCLUDING ANY DISPUTES CONCERNING THE VALIDITY, INTERPRETATION, VIOLATION, BREACH, OR TERMINATION OF THIS AGREEMENT. ARBITRATION UNDER THIS AGREEMENT WILL BE HELD IN THE STATE OF FLORIDA AND IN ACCORDANCE WITH THE MOST RECENTLY EFFECTIVE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION. THE ARBITRATION PROCEEDING WILL BE DECIDED BY A SINGLE ARBITRATOR AND THE ARBITRATOR WILL DECIDE THE ARBITRATION PROCEEDING BY APPLYING THE LAWS AND LEGAL PRINCIPLES OF THE STATE OF FLORIDA AND THE FEDERAL LAWS OF THE UNITED STATES. THE LOSING PARTY WILL BE REQUIRED TO PAY THE PREVAILING PARTY’S REASONABLE ATTORNEYS’ FEES. YOU AND iMortgage AGREE THAT THE SITUS OF THIS AGREEMENT IS IN THE STATE OF FLORIDA. YOU AND iMortgage AGREE TO SUBMIT TO THE EXCLUSIVE PERSONAL JURISDICTION OF ANY SUCH ARBITRATOR OR ARBITRATION PROCEEDING.

Severability

If any provision of this Agreement is found to be invalid or unenforceable for any reason whatsoever, the remaining provisions will remain valid and unimpaired and will continue in full force and effect.

Integration

iMortgage hereby incorporates its Privacy Policy into this Agreement. This Agreement and its incorporated Privacy Policy constitutes the entire agreement between the parties with respect to the use of the Website and its associated services. You acknowledge and agree that any additional provisions that may appear in any communication from you will not bind iMortgage.

No Waiver

You understand and agree that no term or provision of this Agreement will be deemed to have been waived and no breach will be deemed to have been consented to unless said waiver or consent is in writing and signed by the party to be charged.

Child Online Privacy Protection Act

The Website is not directed to persons under the age of eighteen (18) and iMortgage will not knowingly collect personally identifiable information from children under the age of eighteen (18). If iMortgage inadvertently collects such personally identifiable information, iMortgage will delete the personally identifiable information in accordance with its security protocols.

Limitation On Actions

iMortgage AND YOU BOTH AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE WEBSITE OR ANY SERVICES PURCHASED THROUGH THE WEBSITE MUST COMMENCE WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. FAILURE TO ASSERT SAID CAUSE OF ACTION WITHIN ONE YEAR WILL PERMANENTLY BAR ANY AND ALL RELIEF.

Reservation of Rights

All rights not expressly granted herein are reserved to iMortgage.

Notice

Any notice required by this Agreement must be in writing, and must be mailed by certified mail with return receipt requested to:

iMortgage Direct, LLC

A copy of any such notice must be emailed to info@imortgagedirect.com, but email notice alone shall not comply with the notice requirements of this Agreement.

This Agreement is enforced by the Internet lawyers

of Traverse Legal, PLC. website and its associated services and content (collectively “Website”) is owned and operated by iMortgage Direct, LLC (“iMortgage”). iMortgage has adopted this Terms of Use Agreement (“Agreement”) to inform you of your rights and duties when using the Website. If you do not agree with the terms and conditions of this Agreement, you are expressly prohibited from using the Website and must discontinue your use immediately.

Please read this Agreement carefully before accessing, paying for, or using the Website and associated services. You agree that your accessing and use of the Website subject you to the applicable terms of this Agreement.

iMortgage MAY, FROM TIME TO TIME, AND RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION, TO MODIFY, UPGRADE, LIMIT, CHANGE, DISCONTINUE, OR REPLACE THE WEBSITE OR THIS AGREEMENT. IN THE EVENT iMortgage MODIFIES, LIMITS, CHANGES, OR REPLACES THE WEBSITE OR THIS AGREEMENT, YOUR USE OF THE WEBSITE AFTER SAID MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT CONSTITUTES YOUR MANIFESTATION OF ASSENT TO THE MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT. HOWEVER, iMortgage WILL MAKE REASONABLE EFFORT TO NOTIFY YOU BEFORE ANY MAJOR CHANGES ARE MADE TO THE WEBSITE.

About Us

We make getting a home loan quote simple and quick for you. We have the most secure and state of the art technology running our mortgage loan quoting software. One quick and easy mortgage quote form will grant you multiple low rate quotes instantly.

Contact Us

For more information please email us info@imortgagedirect.com