Privacy Policy and Terms of Use

TERMS AND CONDITIONS OF USE

Legal Notices

Please Read These Terms Carefully Before Using This Site

ReverseMortgageCenter (RMC) provides this website (the “Site”), subject to the following Terms and Conditions of Use, which may be updated by us from time to time without notice. This Site provides you with certain services, including but not limited to, access to information about Reverse Mortgages. Use of this Site and the services are subject to the Terms and Conditions of Use and all applicable laws. By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms and Conditions of Use.

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS AND USE OF THIS WEBSITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.

Limited License

Subject to the terms and conditions set forth in this Agreement, RMC grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. RMC authorizes you to view and download the information (“Materials”) at this Site only for your individual use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose (other than for your own benefit); and 3) you must not transfer the Materials to any other person. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.

No Professional Advice

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer’s specific circumstances. ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS SITE SHOULD BE EVALUATED IN CONSULTATION WITH A LEGAL, ACCOUNTING, TAX, INVESTMENT OR OTHER FINANCIAL SPECIALIST.

Copyrights/Trademarks

You agree to comply with all worldwide copyright, trademark and intellectual property laws and treaty provisions in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, RMC does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

DISCLAIMER

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (1) YOUR USE OF THIS SITE AND THE SERVICES AND MATERIALS PROVIDED AT THE SITE ARE AT YOUR SOLE RISK, AND (2) THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. RMC DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIAL OR ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK.

RMC RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WE USE REASONABLE EFFORTS TO PROVIDE YOU WITH ACCURATE INFORMATION. WE RESERVE THE RIGHT, HOWEVER, TO MAKE CORRECTIONS AND/OR CHANGES SHOULD THIS INFORMATION PROVE TO BE INACCURATE. RMC MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE SERVICES, INFORMATION AND MATERIALS ON THE SITE AS WELL AS ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.

SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES. THEREFORE SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT RMC WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO USE THE SITE, THE SERVICES, OR MATERIALS, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE, THE SERVICES OR MATERIALS. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU.

Third Party Sites

As a convenience to you, RMC may provide, on this site, links to websites operated by other entities. If you use these sites, you will leave this site. If you decide to visit any linked site, you do so at your own risk, subject to that site’s terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. RMC makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that RMC endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of ReverseMortgageCenter.

External Links to the Site

All link to the Site must be approved in writing by RMC, except that RMC consents to links in which: (i) the link is a text-only link containing only the name of the website, (ii) the link “points” only to the website homepage and not to deeper pages: (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a “frame” on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by RMC or be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of ReverseMortgageCenter. RMC reserves the right to revoke this consent to link at any time in its sole discretion.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. RMC is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not RMC, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information Provided By You

In order to use certain Services on this Site, you may have to provide information. You agree to provide true, accurate and current information about yourself as prompted by the forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if RMC has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, RMC, in its sole discretion, has the right to suspend or terminate your access to the Site, where applicable. Further, you agree that RMC will not be liable to you or any third party if RMC terminates your access to the Site, and the Services or Materials thereon, for any reason.

Except for the information you submit during the form submission process or during the use of any other service offered through this Site (the “Permitted Information”), RMC does not want you to, and you should not, send any confidential or proprietary information to RMC via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to RMC other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to RMC, you grant to RMC an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that RMC is free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to RMC. You further recognize that RMC does not want you to, and you warrant that you shall not, provide any information or materials to RMC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

RMC will use the Permitted Information in accordance with the Privacy Policy posted on this Site.

Notices

Notices from RMC to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of RMC, unless otherwise required by law or contract.

General Terms

RMC reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.

RMC may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. RMC may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. RMC may terminate the authorization, rights and license given above.

The Terms and Conditions of Use constitute the entire agreement between RMC and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.

International Users and Choice of Law

This Site is controlled, operated and administered by RMC from its offices within the United States of America. RMC makes no representation that materials at this Site are appropriate or available for use at other locations outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U.S. export laws and regulations. If you access this Site from a location outside the United States, you are responsible for compliance with all local laws.

This Agreement constitutes the entire agreement between RMC and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

Governing Law

These Terms and Conditions of Use shall be governed by the laws of the State of New York, United States of America, without giving effect to its conflict of laws provisions.

Legal Notice

The material on this website is for informational purposes only and it covers a variety of topics on Reverse Mortgages. Although some of the information involves tax, legal, accounting or similar issues, RMC is not in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or eligibility aspects of any information presented on this website and how they may affect your particular situation.

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY RMC TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

The products and services described on this website:

  • are available only to consumers in the United States of America unless otherwise specifically noted;
  • may not be available in all states of the USA; and
  • are subject to all applicable laws and regulations.

The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described.

Copyright Notice.

Except as otherwise noted on this website, the contents of this website are copyrighted ©2012 by GFRMCHEA. All rights are reserved. No part of the materials on this website, including website text, graphics and html code, may be reproduced or transmitted in any form by any means without the express written consent of RMC.

Online Privacy Policy

This Web site is operated by Reverse Benefit Calculator (RMC) (“We”). We are committed to respecting your privacy and value your trust. This privacy notice tells you what information we collect, how we use it, how we protect it, the circumstances under which we will share it, and your choices regarding use and disclosure.

Information Collection

This website collects information from you to better meet your needs and provide you with a more relevant user experience.

You can also visit this website without telling us who you are or revealing any information about yourself. In this case, our Web servers may collect the name of the domain you used to access the Internet, such as “aol.com” or “yahoo.com,” and the Web site you came from and visit next.

We may select outside companies who provide services on our behalf and use this information in the course of delivering advertisements to you and to measure the number of visits, average time spent, page views, and other statistics about visitors to our Web site, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use.

We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally-tailored information.

When you fill out a form on our Web site, such as the Calculator or the Contact Us form, we collect information to help us answer your inquiry.  This may include but is not limited to, information such as: property value, mortgage value, age of youngest borrower, first name, last name, phone number, street address, zip code and email address.

Information Disclosure

There are instances in which your personal information is shared with third parties and we want you to understand when and with whom we may share the information you have provided to us through this Web site.

We may disclose personal information we collect on this Web site to others that provide services to you. Disclosure of personal information to these service providers is done to better serve you.

We may disclose identifying information collected on this Web site, such as name, address, and phone number, within the to third parties in order to fulfill your requests, or offer other products and services we think may be of interest to you.

We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance authorities.

If you choose to complete an online form, such as the Calculator, Contact Us, or other Information Request, one of our Reverse Mortgage Advisors may contact you, or we may share your information with a third party Reverse Mortgage originator whom we believe can provide you with the information you have requested regarding your Reverse Mortgage needs.   Once your information has been shared, their privacy policies will govern how they use and disclose your information.  If you do not want your information to be shared, please do not complete an online form on this Web site.

Cookies

Cookies are small pieces of data stored by your Internet browser on your computer’s hard drive. We, along with thousands of other Web sites, may use cookies to enhance your Web viewing experience and to measure your Web site usage. With the help of cookies, we may present you with customized offerings or content that may be of interest to you. We may also use cookies to recognize you on subsequent visits. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.

Links to other Web sites

We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

Information from Children

We do not knowingly solicit information from children and we do not intentionally market our products or services to children.

E-mail Communications

Occasionally, we may send you e-mail communications with information that may be useful to you, including information about our products and services. You will be given the option of not receiving any such e-mail messages, if you choose.

Access

In some cases, you may be able to update certain information that you provided to us. Also, where the capability exists, you may request that we modify or delete information we have gathered during your visit to our Web site.

Our Security Procedures

We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic, and procedural protections in accordance with applicable standards to protect personal information. We restrict access to personal information to those who have a legitimate business purpose to assist in providing products or services to you. Employees who violate our Privacy Policy are subject to disciplinary action.

Opting Out

You may opt-out of information sharing by choosing not to complete any of the online forms on this Web site.  Please note that by completing those forms you are consenting to receive contact from a reverse mortgage originator who will provide you with the information you’ve requested.  If you do not wish to receive contact, or have your information shared with one of our partners, please do not complete any of the forms on this Web site.

Change In Privacy Policy

We reserve the right to modify or supplement our Privacy Policy at any time. If we make material changes, we will post our current Privacy Policy on our Web site. March 2012