TERMS & CONDITIONS OF SERVICE

PLEASE READ THESE TERMS & CONDITIONS OF SERVICE CAREFULLY

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1. Acceptance of Terms

Your access to and use of this website is conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. By accessing and using this site, you accept the following terms and conditions, without limitation or qualification.

2. Intellectual Property and Permitted Reproduction

The contents of all material available on this website are owned by Cambay Financial Services, LLC (Cambay) unless otherwise indicated. All trademarks used or referred to on this website are the property of their respective owners. All rights are reserved by CAMBAY and the content may not be reproduced, downloaded, disseminated, published, or transferred in any form or by any means, without the prior written permission of CAMBAY, except that you may download, display, or print the materials for the purposes of researching and submitting a loan to CAMBAY provided that you do not modify the material in any way and you keep intact all copyright, trademark and other proprietary notices.

3. Changes to Content; Availability of Products and Services

The information and materials contained within this website, including but not limited to the terms, conditions and descriptions that appear, are subject to change without notice. Not all products and services are available in all geographic areas, and eligibility for products and services is subject to final determination and acceptance by CAMBAY. The information provided on this website is free of charge and for informational purposes only and does not create a business or professional services relationship between you and CAMBAY.

4. Disclaimer of Warranties and Limitation of Liability

Information on this site is provided “as is” without warranty of any kind, either express or implied, including without limitation the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. CAMBAY (including its employees and agents) assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights to others. CAMBAY is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information.

5. Third-Party Links

From time to time, links may be established between this website and one or more websites operated, or content provided, by third parties. CAMBAY is not responsible for the contents of any linked site or any link contained in a linked site, or any updates or changes to such sites. Any links contained within our website are provided as a service to our users and do not necessarily imply endorsement by CAMBAY of the linked site. Links to other sites or internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by CAMBAY.

6. Permitted Use

As a condition of your use of the website, you warrant to CAMBAY that you will not use this website or any information contained on the website for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

7. Governing Law and Jurisdiction

By accessing this website, you have directed your system to a computer maintained in the State of Pennsylvania. You agree that disputes arising out of or relating to the contents or use of this website are to be governed by the laws of the State of Pennsylvania. You consent to the exclusive jurisdiction of courts sitting in the State of Pennsylvania in all disputes arising out of or relating to the contents or use of this website.

8. Severability

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, including without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in full force and effect.

9. Entire Agreement; Admissibility

This agreement constitutes the entire agreement between you and CAMBAY with respect to the use of this website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and CAMBAY with respect to this website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

10. Termination and Reservation of Rights

CAMBAY reserves the right to terminate this agreement at any time for any reason, including, but not limited to, violating any of the terms or conditions of this agreement. Any rights not expressly granted herein are reserved.