EXPERIENCEDHOMELOAN.COM Legal Information: Terms of Use, Privacy Policy, Social Media Disclaimer, FTC & DMCA Compliance, Copyright Notice, Anti-Spam Policy…
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TERMS OF USE
Introduction and Acceptance of Terms of Use.
EXPERIENCEDHOMELOAN.COM offers you a wide range of content, communication tools, forums, and information about its products and services (“Materials”) via this web site. By using this web site, you are agreeing to accept and comply with the terms and conditions of use as stated below (“Terms of Use”), which EXPERIENCEDHOMELOAN.COM may update at any time without notice. You should visit this page periodically to review the then-current Terms of Use. Please note that EXPERIENCEDHOMELOAN.COM may, at its sole discretion, terminate your access to this web site at any time without notice.
Limited Right to Use.
This web site is owned and operated by EXPERIENCEDHOMELOAN.COM. Unless otherwise specified, all Materials on this web site are the property of EXPERIENCEDHOMELOAN.COM and are protected by the copyright laws of the United States of America and, throughout the world by the applicable copyright laws. You may, view, print and/or download one copy of the Materials from this web site on any single computer solely for your personal, informational, non-commercial use, provided you keep intact all copyright and other proprietary notices. No Materials published by EXPERIENCEDHOMELOAN.COM on this web site, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from EXPERIENCEDHOMELOAN.COM. The use of any such Materials on any other web site or networked computer environment or for any other purpose is strictly prohibited and such unauthorized use may violate copyright, trademark and other similar laws.
Communications.
Except for any disclosure by you for technical support purposes, or as specified in our Privacy Statement, all communications from you to this web site will be considered non-confidential and non-proprietary. You agree that any and all comments, information, feedback and ideas regarding our company, products or services that you communicate to EXPERIENCEDHOMELOAN.COM (“Feedback”) will be deemed, at the time of communication to EXPERIENCEDHOMELOAN.COM, the property of EXPERIENCEDHOMELOAN.COM, and EXPERIENCEDHOMELOAN.COM shall be entitled to full rights of ownership, including without limitation, unrestricted right to use or disclose such Feedback in any form, medium or technology now known or later developed, and for any purpose, commercial or otherwise, without compensation to you. You are solely responsible for the content of your communications and their legality under all laws and regulations. You agree not to use this web site to distribute, link to or solicit content that is defamatory, harassing, unlawful, libelous, harmful to minors, threatening, obscene, false, misleading, or infringing a third party intellectual or privacy rights.
Access to Password Protected or Secured Areas.
Access to and use of password protected or secured areas of this web site is restricted to authorized users only. You will be asked to provide accurate and current information on all registration forms on this web site. You are solely responsible for maintaining the confidentiality of any username and password that you choose or is chosen by your web administrator on your behalf, to access this web site as well as any activity that occur under your username/password. You will not misuse or share your username or password, misrepresent your identity or your affiliation with an entity, impersonate any person or entity, or misstate the origin of any Materials you are exposed to through this web site.
Monitoring.
Although EXPERIENCEDHOMELOAN.COM is not obligated to do so, it will have the right to review your communications on this web site to determine whether you comply with our Terms of Use. EXPERIENCEDHOMELOAN.COM will not have any liability or responsibility for the content of any communications you post to this web site, or for any errors or violations of any laws or regulations by you. EXPERIENCEDHOMELOAN.COM will comply with any court order in disclosing the identity of any person posting communications on this web site. It is advisable that you review our Privacy Policy before posting any such communications. Please note that when you conduct transactions with other companies providing content via this web site, you will also be subject to their privacy policies.
Links to Other Sites.
The linked sites are not under the control of EXPERIENCEDHOMELOAN.COM and EXPERIENCEDHOMELOAN.COM is not responsible for the content of any linked site or any link contained in a linked site. EXPERIENCEDHOMELOAN.COM reserves the right to terminate any link at any time. EXPERIENCEDHOMELOAN.COM may provide links from this web site to other sites as a convenience to you and in no way should this be interpreted as an endorsement of any company, content or products to which it links. If you decide to access any of the third-party sites linked to this web site, you do this entirely at your own risk. EXPERIENCEDHOMELOAN.COM DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, TO ANY SUCH LINKED SITES, INCLUDING BUT NOT LIMITED TO ANY TERMS AS TO THE ACCURACY, OWNERSHIP, VALIDITY OR LEGALITY OF ANY CONTENT OF A LINKED SITE.
Trademarks.
The trademarks, service marks and logos of EXPERIENCEDHOMELOAN.COM and others used in this web site (“Trademarks”) are the property of EXPERIENCEDHOMELOAN.COM and their respective owners. You have no right to use any such Trademarks, and nothing contained in this web site or the Terms of Use grants any right to use (by implication, waiver, estoppel or otherwise) any Trademarks without the prior written permission of EXPERIENCEDHOMELOAN.COM or the respective owner.
Indemnity.
You agree to indemnify, defend and hold EXPERIENCEDHOMELOAN.COM harmless from and against any and all third-party claims, liabilities, damages, losses or expenses (including reasonable attorney’s fees and costs) arising out of, based on or in connection with your access and/or use of this web site.
Limitation of Liability.
IN NO EVENT SHALL EXPERIENCEDHOMELOAN.COM OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOSS PROFITS OR REVENUES, COSTS OF REPLACEMENT GOODS, LOSS OR DAMAGE TO DATA ARISING OUT OF THE USE OR INABILITY TO USE THIS WEB SITE OR ANY LINKED SITE, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION OR MATERIALS PRESENTED ON THIS WEB SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY EVEN IF EXPERIENCEDHOMELOAN.COM OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Disclaimer.
EXPERIENCEDHOMELOAN.COM assumes no responsibility for accuracy, correctness, timeliness, or content of the Materials provided on this web site. You should not assume that the Materials on this web site are continuously updated or otherwise contain current information. EXPERIENCEDHOMELOAN.COM is not responsible for supplying content or materials from the web site that have expired or have been removed. THE MATERIALS PROVIDED AT THIS WEB SITE ARE PROVIDED “AS IS” AND ANY WARRANTY (EXPRESS OR IMPLIED), CONDITION OR OTHER TERM OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE IS HEREBY EXCLUDED.
General.
If you have any questions regarding the Terms of Use, please contact EXPERIENCEDHOMELOAN.COM via our Contact page.
PRIVACY POLICY
EXPERIENCEDHOMELOAN.COM respects your privacy and is committed to protecting your personal information that you provide to us. This statement explains our policies and practices regarding the use and disclosure of your personal information by EXPERIENCEDHOMELOAN.COM. Please note that, EXPERIENCEDHOMELOAN.COM reviews and updates this Privacy Policy from time to time as needed without notice. Therefore, you should review the terms of this policy periodically to make sure that you are aware of how EXPERIENCEDHOMELOAN.COM collects and uses personal information. By using our web site, you consent to the collection and use of your personal information by EXPERIENCEDHOMELOAN.COM as explained below.
Personal Information.
You have complete control over your personal information. In general, you can visit our web site without providing us with any personal information. However, there are instances where we must have your personal information in order for us to grant you an access to our protected and secured sites. This information may include registration data (your name, address, email address, phone number, title, etc.), information request data and response data (“User Information”). When you receive your confirmation email or when you receive any email from the list server, you will be given instructions on how to remove yourself from the list.
Use of User Information.
We intend to use such information for purposes of supporting you and your employer’s relationship with EXPERIENCEDHOMELOAN.COM by designing a web site content that is suitable to your needs and alerting you to new product and service offerings as they become available. This User Information may be retained by EXPERIENCEDHOMELOAN.COM to verify compliance with the agreement between EXPERIENCEDHOMELOAN.COM and your employer, to keep track of the domains from which people visit us, to create a user profile to better serve you and your employer, or to simply contact you either electronically or otherwise. If you decide that we should not use your personal User Information to contact you, please let us know and we will not use that information for such purpose. However, please do not submit any User Information if you are less than 18 years of age.
Disclosure of User Information.
EXPERIENCEDHOMELOAN.COM does not sell, trade or transfer User Information to third parties. However, we may share User Information with our business partners for marketing, advertising or product/service offering purposes. For example, we provide User Information to our service providers for direct emailing of our newsletters, online surveys or notifications on EXPERIENCEDHOMELOAN.COM Offerings to our viewers. We also disclose User Information if: we have your consent; we need to share it in order to provide you with the products and/or services you requested; we respond to a court order or you violate our Terms of Use. You may separately agree to provide your personal information to third parties that provide content for EXPERIENCEDHOMELOAN.COM Offerings, in order to access and/or use their products and/or services. If you agree to provide such information to these third parties, then your personal information will be subject to their privacy policies.
Accuracy and Security.
The accuracy and security of the User Information is important to EXPERIENCEDHOMELOAN.COM. Currently, you may review and request updates to your User Information retained by contacting EXPERIENCEDHOMELOAN.COM. If you contact us to correct your User Information, we will attempt to correct such inaccuracies in a timely manner. EXPERIENCEDHOMELOAN.COM is concerned with the security of your User Information and is committed to taking reasonable steps to protect it from unauthorized access and use of that personal information. To that end, we put in place the appropriate physical, electronic and managerial policies and procedures to secure your personal User Information. We also continue to implement procedures to maintain accurate, complete and current User Information.
Usernames and Passwords.
Access to certain content on our web site may be allowed under a written agreement between you or your employer and EXPERIENCEDHOMELOAN.COM and will require a username and/or password. In some cases, failure to provide personal information may prevent you from accessing certain EXPERIENCEDHOMELOAN.COM web site(s) containing certain confidential information, products, services, or promotional offers (“EXPERIENCEDHOMELOAN.COM Offerings”). By accessing and using our protected and secured web site(s), you agree to maintain the confidentiality of the username and password you selected to access such site(s) and consent to our Terms of Use.
Cookies.
EXPERIENCEDHOMELOAN.COM uses “cookies”. A cookie is a small data file that a web site can transfer to a visitor’s hard drive to keep records of the visits to such site. A cookie contains information such as your username and password that helps us recognize the pages you have visited and improve future visits, but the only personal information a cookie can contain is the information that you provide yourself. A cookie cannot read data off of your hard drive or read cookie files created by other sites. Information stored in cookies may be encrypted, however, we do not store your credit card number in cookies. If you prefer not to accept a cookie, you can set your web browser (Microsoft Internet Explorer or Netscape Navigator) to warn you before accepting cookies or you can refuse all cookies by turning them off in your web browser. However, access to some of our secured web site(s) may require the use of cookies, which you must enable only cookies that get sent back to the originating server. Otherwise, you can still access most of the features on our web site even without accepting a cookie.
External Links.
EXPERIENCEDHOMELOAN.COM web site provides links to other third-party web sites. Even if the third party is affiliated with EXPERIENCEDHOMELOAN.COM through a business partnership or otherwise, EXPERIENCEDHOMELOAN.COM is not responsible for the privacy policies or practices or the content of such external links. These links are provided to you for convenience purposes only and you access them at your own risk.
Terms of Use.
Please also see our Terms of Use, which describes the restrictions, disclaimers, indemnification and limitation of liability governing the use of the entire EXPERIENCEDHOMELOAN.COM web site.
General.
If you have questions regarding our Privacy Statement, please contact EXPERIENCEDHOMELOAN.COM via our Contact page.
SOCIAL MEDIA DISCLAIMER
The following describes the Social Media Disclosure for our website.
Social Media Issue
We live in an interesting time when privacy rights are championed alongside an unprecedented voluntary willingness of people to share their most intimate and superfluous life details with the world, even in places such as our www.EXPERIENCEDHOMELOAN.COM website. While apparently benign on the surface, the dangers of unrestrained public disclosure of sensitive information is beginning to surface.
Key social media players are being sued for unauthorized or abusive use/misuse of personal information. Failure to protect and warn are likely going to be focal factors. Lawsuits are filed seeking damages for statements held to be responsible for people’s death or suicide. Bloggers presuming to operate under an unfettered freedom of speech or greater latitude offered to members of the press are losing civil cases for defamation, slander, libel, and so on.
As social media rapidly advances to allow more technologically sophisticated and easy dissemination, the simultaneous fallout of revelation without boundaries is mounting. Thus, a sober approach to the benefits of social media, while sidestepping the perils of imprudent disclosure, can facilitate an enjoyable online experience, without the consequences of excess, in settings such as our own www.EXPERIENCEDHOMELOAN.COM website.
Presence/Scope of Social Media
You should assume that social media is in use on our www.EXPERIENCEDHOMELOAN.COM website. A simple click of a button to endorse a person, product, or service is building a cumulative profile about you, which you should always assume can be discovered by others. Attempting to share a website with someone, whether by direct press of a button or else by email forwarding facilitated on a website, you should assume that this may not stop with the intended recipient, and that this can generate information about you that could be seen by a veritable infinite number of people. Such a domino effect could initiate right here on our www.EXPERIENCEDHOMELOAN.COM website.
Something as simple as a blog comment provides the opportunity for knee-jerk reactions that can become public and may not truly represent a position (at least in strength or severity) that you might hold after a period of more reasoned contemplation. You should also note that the ease of accessing one site through the login credentials of another, or the use of a global login for access to multiple sites can accumulate a dossier on you and your online behavior that may reveal more information to unintended parties than you might realize or want. Any or all of these features could exist on our www.EXPERIENCEDHOMELOAN.COM website at one time or another.
These few examples illustrate some possible ways that social media can exist, though it is not an exhaustive list and new technologies will render this list outdated quickly. The objective is to realize the reach of social media, its widespread presence on websites in various forms (including this website), and develop a responsible approach to using it.
Protecting Others
You should recognize the fact that divulgences made in and on social media platforms on this website and others are rarely constrained just to you. Disclosures are commonly made about group matters that necessarily affect and impact other people. Other disclosures are expressly about third parties, sometimes with little discretion. What can appear funny in one moment can be tragic in the next. And a subtle “public” retaliation can have lifetime repercussions.
Ideal use of social media on our website would confine your disclosures primarily to matters pertaining to you, not others. If in doubt, it’s best to err on the side of non-disclosure. It’s doubtful the disclosure is so meaningful that it cannot be offset by the precaution of acting to protect the best interests of someone who is involuntarily being exposed by your decision to disclose something on our www.EXPERIENCEDHOMELOAN.COM website (or another).
Protecting Yourself
You should likewise pause to consider the long-term effects of a split-second decision to publicly share private information about yourself on our www.EXPERIENCEDHOMELOAN.COM website. Opinions, likes, dislikes, preferences, and otherwise can change. Openly divulging perspectives that you hold today, may conflict with your developing views into the futures. Yet, the “new you” will always stand juxtaposed against the prior declarations you made that are now concretized as part of your public profile. While the contents of your breakfast may hold little long-term impact, other data likewise readily shared can have consequences that could conceivably impact your ability to obtain certain employment or hinder other life experiences and ambitions.
As with sharing information about other people, extreme caution should be used before revealing information about yourself. If in doubt, it’s likely best not to do it. The short-term gain, if any, could readily be outweighed by later consequences. Finally, you should note that we are not responsible for removing content once shared, and we may not be able to do so.
Restrictions on Use of Social Media Data
You, as a visitor to our www.EXPERIENCEDHOMELOAN.COM website, are not permitted to “mine” social media or other platforms contained herein for personal information related to others. Even where people have publicly displayed data, you should not construe that as though you have the liberty to capture, reproduce, or reuse that information. Any use of social media or related platforms on our website are for interactive use only, relevant only during the website visit.
Accuracy of Social Media Data
As any social media platform is built on user-generated content, you should consider this fact in seeking to determine the authenticity of anything you read. We are not responsible for verifying any user-generated content for accuracy. A best practices policy would be to view all such content as strictly opinion, not fact.
Potential Issues of Liability
You should also be mindful of the fact that your words could trigger liability for harm caused to others. While you have the right to free speech, you do not have the right to damage other people. Under basic principles of tort law, you are always responsible, personally, for situations where either:
1. you were required to act but did not (i.e. – some “duty of care”) 2. you were required to refrain from acting, but did not (i.e. – slander, defamation, etc.)
These “sins of omission and commission” could cause problems for you, irrespective of whether you assert you are conducting business under the guise of one or more business entities. Illegal and unethical conduct, when done in the name of a corporation or LLC, is still illegal and unethical conduct. As it is rarely part of a business plan to engage in illegal and unethical conduct, you are doubtfully operating in any official capacity, but rather, perhaps, leveraging that capacity to effectuate personal wrongdoing. You should consult a licensed attorney if you wish legal advice as to the (potential) ramification of your situation or legal problems stemming from this website or another.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated and carried out by www.EXPERIENCEDHOMELOAN.COM, in order to protect you and our www.EXPERIENCEDHOMELOAN.COM website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at www.EXPERIENCEDHOMELOAN.COM have paid to license the use of these legal notices and administrative pages on www.EXPERIENCEDHOMELOAN.COM for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by following this link: www.EXPERIENCEDHOMELOAN.COM
FTC COMPLIANCE
The following describes the Federal Trade Commission Compliance for our website.
We make every effort at candor regarding any products or services we use, recommend, or otherwise make mention of at www.EXPERIENCEDHOMELOAN.COM. We strive to clearly differentiate between our own products or services versus those of third parties, to facilitate inquiries, support, and customer care. Likewise, just as we (and any other legitimate business) may profit from the sale of our own products or services, we may also profit from the sale of others’ products or services (like any retailer) at www.EXPERIENCEDHOMELOAN.COM. Additionally, wherever products or services may give rise to income generation, we endeavor to provide realistic and factual data, but highlight the fact that the variables impacting results are so numerous and uncontrollable that no guarantees are in any way made. It is our goal to embrace the guidelines and requirements of the Federal Trade Commission (FTC) for the benefit of all, and with that in mind provide the following disclosures regarding compensation and disclaimer regarding earnings & income.
Note that material connections may not be made known at every single advertisement or affiliate link. Thus, to be safe, you should simply assume there is a material connection and that we may receive compensation in money or otherwise for anything you purchase as a result of visiting this website, and also that we may be paid merely by you clicking any link.
Amazon.com
One or more parties affiliated or associated with our www.EXPERIENCEDHOMELOAN.COM website in some way may be an Amazon.com affiliate. This means that links to products on Amazon.com, as well as reviews leading to purchases, can result in a commission being earned. Again, disclosure of this material connection and the potential for compensation may not be made at every single possible opportunity. To be safe, simply assume there is a material connection and potential for compensation at all times. While this does not imply skewed or unduly biased reviews, full disclosure calls for this warning.
Compensation
You should assume that we may be compensated for purchases of products or services mentioned on this www.EXPERIENCEDHOMELOAN.COM website that are not created, owned, licensed, or otherwise materially controlled by us. Stated differently, while most people obviously understand that individuals make a living by way of the profit that remains after the costs associated with providing their product or service are covered, at least theoretically there may be someone out there who does not understand that a third party can “affiliate” someone else’s products or services and be compensated by the product or service creator/owner for helping spread the word about their offering. Just compare it to retailers. They seldom produce anything, but rather make their money connecting product and service creators with end users.
Admonition
Having said that, you cannot count on anyone looking after your interests but you. So, you ought to always do your own research into various offers and opportunities, to the extent that leaves you comfortable, doing your own due diligence prior to making any purchase of any product or service from this www.EXPERIENCEDHOMELOAN.COM website or any other. Here is a great set of guidelines for you to keep in mind:
First, just always operate from the position that any website proprietor, including us at www.EXPERIENCEDHOMELOAN.COM, will have a material connection to the product or service provider, and may be compensated as a result of your purchase, unless expressly stated otherwise. Aside from your purchases, note that even your actions could result in earnings for this website. For instance, there could be ads displayed on this www.EXPERIENCEDHOMELOAN.COM website that we are compensated for displaying whenever a website visitor clicks on them.
Second, to the extent that we have every interest in positively furthering our business relationship with you, we certainly desire to share only those offerings that we believe will benefit you. Just because we are not the founder or originator of the product or service, we are not going to withhold knowledge of this offering from you. If you can get some benefit from it, regardless of whether or not you’ve taken advantage of our own products and/or services, we want you to do well. Thus, we make a good faith effort to only present to you, items that we either personally use, have actually tried, or else have faith in the reputation of the provider or concept. You can count on us making this determination based on all relevant and applicable information at the time of the recommendation.
Third, despite the fact that it would be counterproductive to mention products or services that you’ll find disappointing or inferior, not only are people different, but it’s also possible for us to have a lapse in judgment. Thus, to be extra cautious, even if you believe in our good faith motives, you may as well go ahead and keep in mind that we could be at least partially influenced by the monetization factor of listing various products or services on our www.EXPERIENCEDHOMELOAN.COM website. Furthermore, in that vein, the reality is that there are sometimes other connections between parties that are not monetary, such as personal capital, goodwill, or otherwise, that could be an underlying undercurrent swaying the decision to promote a particular offering. Due to this hypothetical possibility, you should again simply nor rely solely on what we have to say, but rather just form your own independent opinion just to be safe. Finally, bear in mind that we might also receive free products or services, gifts, or review copies of items too.
Testimonials
Testimonials regarding the outcome or performance of using any product or service are provided to embellish your understanding of the offering. While great effort is made to ensure that they are factually honest, we at www.EXPERIENCEDHOMELOAN.COM are not liable for errors and omissions. Aside from human error, some information may be provided by third parties, such as customers or product/service providers. The best results are not uncommonly correlated with the best efforts, discipline, diligence, and so on, and thus the results depicted cannot, in any way, be construed as common, typical, expected, normal, or associated with the average user’s experience with any given product or service. Exceptional results may be depicted by our website as highlights, but you are responsible for understanding that atypical outcomes may not reflect your experience. Aside from market conditions, products and services change over time. Older products may lose effectiveness. Newer products may not have a reliable track record.
Where products or services might pertain to earning money, the same safeguards about use of testimonials apply. Additionally, note that any related income figures are highly specific to the individual or entity that produced those results, and there can be no assurance that you will be able to leverage the same, or similar, products or services to achieve comparable results. The results, though real, may be the result of the conflation of a number of favorable circumstances that would be difficult to replicate, and so you must proceed with the knowledge that your outcome can differ from any shared on our website.
Professional Consultation
Many products and services are designed to solve problems. Common problem areas include legal, financial, and medical. We are in no way purporting to counsel you on issues related law, finances, or health. If you require guidance in these arenas, you should consider securing your own counsel from lawyers, accountants, tax professionals, investment advisors, or medical professionals before taking any action. Nothing we may ever communicate at www.EXPERIENCEDHOMELOAN.COM, in print or spoken word, will ever be intended to constitute any such counsel, as we do not claim to be professionals in any of those disciplines. You assume all risk for actions taken, losses incurred, damages sustained, or other issues stemming from your use of any product or service in any way connected with or mentioned on this website. Indeed, such decision is solely your own, or else determined in conjunction with the professional guidance of the advisor of your choosing.
Use of Products & Services
The following are facts you should be advised of if you intend to take advantage of any products or services:
The price paid for products and services change over time. Even the prices of staples and basic commodities change, and there are many factors such as supply and demand, sales and other customer acquisition incentives, and more. Price, and value, can be quite relative. Technology, innovations, product improvements, market penetration, and numerous other factors all weigh in. It is impossible to define the “right” price for any product and service. Willing buyers and willing sellers determine price at any given time. You accept the fact that your purchase reflects your own attribution of value at the time of purchase, and that the price may increase or decrease in the future.
The outcome you experience is dependent upon many factors. Aptitude and attitude go a long way towards success with products and services in virtually any niche, whether fitness or making money. Circumstances, experience, innate abilities, personality, education, time commitments, and perseverance are just a few factors. Given the smorgasbord of interrelated variables, there is no way to reasonably predict your specific outcome with any degree of reliability or certainty.
Income-Producing Products & Services
Income-producing products & services are likewise subject to the above cautions. In addition, however, there are additional factors we like to point out at www.EXPERIENCEDHOMELOAN.COM. Unlike weight loss products or self-help materials, income-producing methods are influenced by the overall health of the economy in which one operates. In times of liquidity, money flows freely and commerce is easier. In times of perceived scarcity, fear, recession, depression, or otherwise, commerce is stymied. Results can be influenced by market sentiment, just as the stock market indices around the world are swayed heavily on news.
Income-producing products & services purchased should be viewed as just that – purchases. Though they can be investments in one’s business, it is not unreasonable to expect that there may not be an express return on that investment, per se. Often, business success is the convergence of a number of factors, methods, strategies, and so on. It can be hard to peg success to one method or machination. This does not necessarily undermine value of any given product or service, as it can have an additive effect. Or, it may have no effect. Since it can be difficult to tell, you should operate on the assumption that your outcome could be zero. We make no guarantees and you should only risk what you can afford to lose on any purchases on or through www.EXPERIENCEDHOMELOAN.COM.
Earning & Income
In light of all of the factors above, impinging on the very nature of income-producing products and services, there is no way to guarantee results of any kind whatsoever. Accordingly, we affirmatively declare that we make no guarantees as to your earnings & income of any kind, at any time.
As with any business endeavor or investment, past performance is no guarantee or predictor of future performance. Any testimonials or other representations of results are for illustrative purposes only and, though every effort is made to ensure they’re factually honest, they are not intended to imply or insinuate what is likely to happen with you. Your reliance on them as such is not advised.
It should be noted that “earnings & income” is so phrased with specific intent. While income may typify the earnings most either seek or are accustomed to, earnings can come in non-monetary forms. These include some forms that are abstract or intangible, and thus not even readily converted to currency or a common medium of exchange. Thus, note that all manner of compensation, including earnings of a non-income yet nevertheless beneficial form, are covered by these provisions.
Affiliates & Other Third Parties
It should also be noted that we only have control over, and thus only accept responsibility for, the content of this www.EXPERIENCEDHOMELOAN.COM website authored by us. Any representations made by others should be considered prima facie unauthorized. You may also read, hear, or otherwise come into contact with commentary about any of our products & services or offerings, and should assume those have likewise not been authorized.
While information, in any form, can arise, at any time, regarding our products & services, there may be times when this results from an affiliate relationship. In other words, we may permit our products & services to be marketed through other individuals, businesses, websites, and otherwise, just as providers of goods and services use retailers and other vendors to make available what they offer.
You should not construe a third-party offer as an endorsement by that third party of any product or service. You should, more conservatively, view it as an offer to buy something. Likewise, as alluded to previously, note that we cannot fully control all marketing practices by all parties. With the use of “mirror” sites, indirect or unauthorized affiliates, “tiered” affiliate structures, and so on, policing the world wide web with any modicum of thoroughness is unlikely. We make reasonable efforts to ensure our affiliates comply with our policies and represent our products & services consistent with our guidelines. However, at www.EXPERIENCEDHOMELOAN.COM we cannot always guarantee they will do so. You are always free to report concerns or abuses via our Contact information.
Customer Care
Last, but not least, please note that our role in briefing you on products and services other than our own is simply as a “matchmaker.” We do not provide any support or customer service for those items and you should always contact the owner or provider of those products or services to have any and all questions answered to your satisfaction before purchasing.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated and carried out by www.EXPERIENCEDHOMELOAN.COM, in order to protect you and our www.EXPERIENCEDHOMELOAN.COM website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at www.EXPERIENCEDHOMELOAN.COM have paid to license the use of these legal notices and administrative pages on www.EXPERIENCEDHOMELOAN.COM for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by following this link: www.EXPERIENCEDHOMELOAN.COM
DMCA COMPLIANCE
The following describes the DMCA Compliance for our website.
We at www.EXPERIENCEDHOMELOAN.COM are committed to responding to any alleged copyright violations, should they occur. Notice of any alleged violation should take the form proposed by the U.S. Digital Millennium Copyright Act as revealed at http://www.copyright.gov.
Remedy
If any material infringes on the copyright of any offended party, we may remove the content from www.EXPERIENCEDHOMELOAN.COM, prevent access to it, terminate or block access for those responsible for the content, and/or any other action deemed appropriate. We may also pass along record of the incident for documentation and/or publication by third parties at our discretion.
Not Legal Advice/No Attorney-Client Relationship
If you believe your rights have been violated, it can be a serious matter. This DMCA notice exists solely to effectuate our efforts, as website owners, to prevent and eliminate infringement on intellectual property rights. It is no substitute for the assistance of competent legal counsel. Other remedies and action, such as against an internet service provider (ISP), may exist. You may wish to seek legal help immediately.
Notification
For your convenience and to speed resolution, notice of alleged infringement may be tendered to www.EXPERIENCEDHOMELOAN.COM via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that your copyrights have been violated. Six figure awards have already been granted for bogus complaints, so seeking the help of competent counsel is advised.
Assuming you still wish to assert copyright violation, you should provide the following to speed up the process:
STEP 1. Identify in adequate detail the copyrighted item you believe has been violated, by providing the URL to the protected work, ISBN#, or otherwise. STEP 2. Identify the URL of the webpage that you assert is infringing the copyrighted work listed in item #1 above. STEP 3. Provide contact information for yourself (email address is preferred, phone is suggested). STEP 4. Provide information sufficient to allow us to notify the owner/administrator of the allegedly infringing webpage or other content such as a blog or forum posting (email address is preferred). STEP 5. Include the following statement: “I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law.” STEP 6. Include the following statement: “I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.” STEP 7. Digitally sign your affirmation.
Counter-Notification
Note that the party representing the affected website or provider of content can issue a counter-notification under sections 512(g)(2) and (3) of the Digital Millennium Copyright Act, and so we may again post or link to the content in that case. For your convenience, counter notification may be tendered via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that others’ copyrights have NOT been violated
Assuming you still wish to file a counter-notice, you should provide the following to speed up the process:
STEP 1. Identify the specific URLs or other unique identifying information of material that we have removed or disabled access to. STEP 2. Provide your name, address, telephone number, email address, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located, and that you will accept service of process from the person who provided notification under subsection (c)(1)(C) or an agent of such person. STEP 3. Include the following statement: “I swear, under penalty of perjury, that I have a good faith belief that each item of content identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled, or that the material identified by the complainant has been removed or disabled at the URL identified and will no longer be shown.” STEP 4. Digitally sign the affirmation.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated and carried out by www.EXPERIENCEDHOMELOAN.COM, in order to protect you and our www.EXPERIENCEDHOMELOAN.COM website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at www.EXPERIENCEDHOMELOAN.COM have paid to license the use of these legal notices and administrative pages on www.EXPERIENCEDHOMELOAN.COM for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by following this link: www.EXPERIENCEDHOMELOAN.COM
COPYRIGHT NOTICE
The following describes the Copyright Notice for our website.
The entire contents of our www.EXPERIENCEDHOMELOAN.COM website are protected by intellectual property law, including international copyright and trademark laws. The owner of the copyrights and/or trademarks are our website, and/or other third-party licensors or related entities.
You do not own rights to any article, book, ebook, document, blog post, software, application, add-on, plugin, art, graphics, images, photos, video, webinar, recording or other materials viewed or listened to through or from our www.EXPERIENCEDHOMELOAN.COM website or via email or by way of protected content in a membership site. The posting of data on our website, such as a blog comment, does not change this fact and does not give you any right in the data. You surrender any rights to your content once it becomes part of our website.
YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON OUR WEBSITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You must retain all copyright and other proprietary notices contained in the original material on any copy you make of the material. You may not sell or modify the material or reproduce, display, publicly perform, distribute, or otherwise use the material in any way for any public or commercial purpose. The use of paid material on any other website or in a networked computer environment for any purpose is prohibited. If you violate any of the terms or conditions, your permission to use the material automatically terminates and you must immediately destroy any copies you have made of the material.
You are granted a nonexclusive, nontransferable, revocable license to use our www.EXPERIENCEDHOMELOAN.COM website only for private, personal, noncommercial reasons. You may print and download portions of material from the different areas of the website solely for your own non-commercial use, provided that you agree not to change the content from its original form. Moreover, you agree not to modify or delete any copyright or proprietary notices from the materials you print or download from www.EXPERIENCEDHOMELOAN.COM. Also note that any notice on any portion of our website that forbids printing & downloading trumps all prior statements and controls.
As a user at www.EXPERIENCEDHOMELOAN.COM, you agree to use the products and services offered by our website in a manner consistent with all applicable local, state and federal laws and regulations. No material shall be stored or transmitted which infringes or violates the rights of others, which is unlawful, obscene, profane, indecent or otherwise objectionable, threatening, defamatory, or invasive of privacy or publicity rights.
Our website prohibits conduct that might constitute a criminal offense, give rise to civil liability or otherwise violate any law. Any activity that restricts or inhibits any other www.EXPERIENCEDHOMELOAN.COM user from using the services of our website is also prohibited. Unless allowed by a written agreement, you may not post or transmit advertising or commercial solicitation on our website.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated and carried out by www.EXPERIENCEDHOMELOAN.COM, in order to protect you and our www.EXPERIENCEDHOMELOAN.COM website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at www.EXPERIENCEDHOMELOAN.COM have paid to license the use of these legal notices and administrative pages on www.EXPERIENCEDHOMELOAN.COM for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by following this link: www.EXPERIENCEDHOMELOAN.COM
ANTI-SPAM POLICY
The following describes the Anti-Spam Policy for our website.
What Is Spam?
Spam is unsolicited email, also known as junk mail (received via email), or UCE (Unsolicited Commercial Email). Virtually all of us have opened the inbox of an email account and found emails from an unknown sender. By sending email only to those who have requested to receive it, we at www.EXPERIENCEDHOMELOAN.COM are following accepted permission-based email guidelines.
What About the Laws Against Spam?
They exist. However, as with any body of laws, any individual State spam statutes can and will vary. The spam laws of each State cannot only vary, but also have different definitions of unsolicited commercial email. Additionally, there may be various federal agencies keeping track of spam, including the Federal Trade Commission (FTC). At the Federal level, the CAN-SPAM Act of 2003 promulgates some attempt at a coherent and unified approach to unsolicited commercial email. Ultimately, it would be difficult to enforce spam law violations on any consistent or pervasive basis, so your own vigilance is your own best first line of defense. Beyond that, we protect you by ensuring that you are 100% in control of whether or not you ever hear from www.EXPERIENCEDHOMELOAN.COM by email initially or in the future, as detailed in our “No Tolerance” policy below.
Our No Tolerance Anti-Spam Policy
WE HAVE A NO TOLERANCE SPAM POLICY. We do not email unless someone has filled out an “opt in” form or “webform” expressing an interest in our information or products and/or services, or otherwise directly and proactively requesting it. News of the features and benefits of Membership is spread through advertising, joint venture marketing, and word of mouth, so we are only building relationship with folks who wish to learn more about what we have to offer and willingly subscribe to our content and contact through email. You are always completely in control of whether you receive email communication from www.EXPERIENCEDHOMELOAN.COM, and can terminate at any time.
NOTE – Every auto-generated email contains a mandatory unsubscribe link that cannot be removed. Therefore, each communication generated by www.EXPERIENCEDHOMELOAN.COM carries with it the option to “unsubscribe” and never receive another email communication from www.EXPERIENCEDHOMELOAN.COM.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated and carried out by www.EXPERIENCEDHOMELOAN.COM, in order to protect you and our www.EXPERIENCEDHOMELOAN.COM website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at www.EXPERIENCEDHOMELOAN.COM have paid to license the use of these legal notices and administrative pages on www.EXPERIENCEDHOMELOAN.COM for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by following this link: www.EXPERIENCEDHOMELOAN.COM
Terms and Conditions Acceptance:
Privacy Policy Acceptance: