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Privacy Policy, Terms of Service, Usage Conditions and Agreement

PRIVACY POLICY

This website and associated companies offer visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party.

How we gather information from users


How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our website(s) or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our website(s). Like most websites, ours may also collect information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our website(s). As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example, by setting your browser to refuse to accept cookies. If you do you may be unable to access certain portions of that site or may be asked to re-enter your user name and password, and we may not be able to customize the site's features according to your preferences.

What we do with the information we collect


Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and will not share your information with anyone without your permission, except under certain specific circumstances as delineated below.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our website(s) and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this kind of data does not include any Personally Identifiable Information about you and does not allow anyone to identify you individually.

We may use Personally Identifiable Information collected by us to communicate with you about your registration and customization preferences; this agreement; services and products offered by us and other topics we think you might find of interest.

Personally Identifiable Information collected by this website and associated companies and websites may also be used for other purposes, including but not limited to: site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our websites (our Web hosting services for example) may have routine access to such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell all or a portion of our business to, buy all or a portion of, merge or partner with, another company or business. In such a transaction, user information may be among the transferred or shared assets. We may also disclose your information in response to a court order; at other times when we reasonably believe we are required to do so by law; in connection with the collection of amounts you may owe to us; and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not be obligated to provide you with notice prior to disclosure in such cases.

Affiliated sites, linked sites and advertisements


This website and associated companies and websites expect their partners, advertisers and affiliates to respect the privacy of our users. Be aware, however, that third parties, including our partners, advertisers, affiliates and other content providers accessible through our website(s), may have their own privacy and data collection policies and practices. For example, during your visit to this website-associated website page, you may link to, or view as part of a frame, certain content that is actually created or hosted by an independent third party. Also, through This website and associated companies and websites you may be introduced to, or be able to access, information, websites, features, contests or sweepstakes offered by independent third parties. This website and associated companies and websites are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of such third parties when providing information on a feature or page operated by such third party.

While on our websites, our advertisers, promotional partners or other independent third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising may be served by third parties and may include cookies that enable a third-party advertiser to determine whether you have seen a particular advertisement before. Other features available on our website(s) may offer services operated by third parties and may use cookies or other technology to gather information. This website and associated companies and websites do not control the use of this technology by third parties or the resulting information, and shall not be responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards or in chat areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of this website and associated companies and websites and this policy.

Children


This website and associated companies and websites do not knowingly collect or solicit Personally Identifiable Information from or about children under 13 except as permitted by law. If we discover we have received any information from a child under 13 in violation of this policy, we will delete that information immediately. If you believe this website and associated companies and websites have any information from or about anyone under 13, please contact us at the email address listed below.

Changes to this Policy


This website and associated companies and websites reserve the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our website(s) following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing law


This policy and the use of this Site are governed by California law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Orange County, California. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Orange County, California, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

This website associated companies and websites are controlled, operated and administered entirely by Doug and/or Carolyn Wright. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Terms of Service and Usage Conditions


If you do not agree to these Terms of Service and Usage Conditions, discontinue using the site immediately!

By using this site, you signify your Assent and Agreement to these Terms of Service and Usage Conditions. If you do not agree to these Terms of Service and Usage Conditions, do not use the site.

Restrictions on Use of Materials


Content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites is copyrighted and all rights are explicitly reserved. Text, graphics, databases, HTML code, and other intellectual property are protected by US and international copyright laws, and may not be copied, reprinted, published, re-engineered, translated, hosted, or otherwise distributed by any means without explicit permission of the respective copyright owner. All of the trademarks on this site are trademarks of this website or of other owners used with their permission or in accordance with fair usage regulations and conventions.

Database Ownership, License, and Use


This website is the owner of the copyright of the database(s) of links to articles and resources available from time to time through various websites and their contributors reserves all rights thereto, and no intellectual property rights are conferred by this agreement.

This website grants you a non-exclusive, non-transferable license to use database(s) accessible to you subject to these Terms of Service and Usage Conditions. The database(s) may be used only for viewing information or for extracting information to the extent described below.

You agree to use information obtained from This website databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or brokering of information, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, re-engineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise.

Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only, or is for use in your business only internally, on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.

Liability


The content and other components of this website-associated websites are provided "as is" and without warranties of any kind either express or implied. This website disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. This website does not warrant that the functions contained in associated websites will be uninterrupted or error-free, that defects will be corrected, or that sites or the server(s) that makes them available are free of viruses or other harmful components. This website does not warrant or make any representations regarding the use or the results of the use of the content in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not This website or associated companies) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall This website or associated companies be liable for any special or consequential damages that result from the use of, or the inability to use, the content or components in or on associated websites, even if This website or a This website-authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall this website total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount paid by you, if any, for accessing this site.

Content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites was compiled with great care and was believed to be accurate at the time it was compiled. Changes may be made at any time without prior notice. All content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites is to be used for informational purposes only. The content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites and pages within, is not intended to provide specific legal, financial, tax, or medical advice, or any other advice, whatsoever, for any individual or company, and should not be relied upon in that regard. The services described on This website-associated websites are only offered in jurisdictions where they may be legally offered. Content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites is not all-inclusive, and is limited to information that is made available to This website and such information should not be relied upon as all-inclusive or necessarily accurate.

Links and Marks


This website is not necessarily affiliated with websites that may be linked to associated websites and is not responsible for the content of third-party websites. The linked sites are for your convenience only, and you access them at your own risk. Links to other websites or subsidiaries and affiliates at associated websites do not imply the endorsement or approval of such websites, products, services or publications by this website or subsidiaries and affiliates.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website-associated websites may constitute trade names, trademarks or service marks of This website or of other entities. The display of trademarks on this website-associated websites does not imply that a license of any kind has been granted to him by the owners of such trademarks. Any unauthorized downloading, re- transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

Confidentiality of Codes, Passwords and Information


You agree to treat as strictly private and confidential any subscriber code, username, user ID, or password that you may have received from This website, affiliates and subsidiaries, and all information to which you have access through password-protected areas of This website websites, and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever.

Other Legal Conditions


These Terms of Service and Usage Conditions shall apply to every access to this website-associated websites. This website reserves the right to issue revisions to these Terms of Service and Usage Conditions by publishing a revised version of this document on this site. That version shall then apply to all use by you following the date of publication. Each access of information from this website-associated websites shall be a separate, discrete transaction based on the then prevailing terms.

Content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites may refer to certain individuals, companies or other entities. Such references represent the sole editorial opinions of This website and are offered purely for educational purposes only. Any perceived slight of such individuals, companies or other entities contained in content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites is strictly unintentional. Any individual, company or other entity referenced in content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites may offer an opinion contrary to that of This website and, upon request, such opinion shall be incorporated into any content displayed on, downloadable from, emailed or physically delivered in conjunction with such reference to that individual, company or other entity.

These Terms of Service and Usage Conditions and the license granted may not be assigned or sublet by you without This website written consent in advance.

These Terms of Service and Usage Conditions shall be governed by, construed and enforced in accordance with the laws of the State of California, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate this website and/or affiliates' intellectual property rights, This website and/or affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Arizona, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:


If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Maricopa County, Arizona. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Maricopa County, Arizona, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Agreement shall not be affected thereby.

Termination


These Terms of Service and Usage Conditions agreement are effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all websites associated with This website and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice at this website sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from all websites associated with This website and all copies thereof, whether made under the terms of this agreement or otherwise.

DISCLAIMER AND TERMS OF USE AGREEMENT


This website, affiliates and subsidiaries, have used their best efforts in preparing the content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites. This website, affiliates and subsidiaries make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites. The content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites is strictly for educational purposes. Therefore, if you wish to apply ideas contained in the content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites, you explicitly agree to take full responsibility for your actions.

Since this website doesn't know your background, your financial situation, or your work habits, no prediction or guarantee can be made regarging the results you will get from using the products or services offered herein, or third- party products or services. Success at anything takes time, effort and resources. The more of these you invest in this or any business endeavor, the more successful you will be.

The content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites was obtained from sources believed to be reliable and great care was taken to provide accurate information. However, This website, affilliates and subsidiaries are not responsible for the correctness of the information contained in any content offered at This website-associated websites, or in products or services described or ordered herein, or in any recommended third-party products or services, nor are they engaged in rendering legal, tax, accounting or medical advice. You are urged to seek competent legal, accounting, tax, medical or other appropriate services, if applicable.

All content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites is provided for educational purposes only and may contain anecdotal, rather than third-party verified or factual information. Some statistics cited are based on experiences of this website, clients, or accepted industry norms, and may not be supported by documented research.

Use of any and all content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites is strictly and solely your responsibility. Any money that you choose to invest to implement the methods described in content, products or services offered at this website-associated websites shall be spent at your sole risk. All business decisions involve some degree of risk. therefore, use common sense and do not spend any money in connection with this or any business activity that you cannot afford to lose.

Any and all forward-looking statements displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else's. In fact, no guarantees are made or implied that you will achieve any positive results whatsoever from acting on any advice, techniques or ideas contained in any content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites.

Some of the people who have provided testimonials or endorsements displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites may have been compensated in some manner for providing such testimonials or endorsements.
This website, affiliates and subsidiaries disclaim any warranties (express or implied), merchantability, or fitness for any particular purpose of the content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites. This website, affiliates and subsidiaries shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites, which is provided "as is", and without warranties.

All links are for information purposes only and are not warranted for content, accuracy or any other implied or explicit purpose.

The content displayed on, downloadable from, emailed or physically delivered in conjunction with this website-associated websites is copyrighted by This website unless otherwise indicated. No part of any content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites may be copied, or changed in any format, sold, or used in any way other than what is outlined within the content displayed on, downloadable from, emailed or physically delivered in conjunction with This website-associated websites under any circumstances.



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Pacific International Mortgage
703 North Concord � Santa Ana, CA 92701 � Tel: 888.557.1636
DRE License #: 00976720  NMLS Approval Number: 272116

Please note that any information provided will be deemed confidential & shall not be reproduced or sold to a third party company. By sending any information, you grant an unrestricted, irrevocable license to use the information to accommodate your requests. State Approved CA-1176627, HUD Authorized ID 7770700414. Privacy Policy

HUD Reverse Mortgages are Guaranteed by the Department of Housing and Urban Development and Insured by FHA
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©2010 Pacific International Mortgage