You also understand that, by requesting information, you are agreeing that any such e-mail solicitations received by you in response shall not constitute "junk mail or "spam."

You understand that, by requesting information, you are agreeing that any such telephone solicitations received by you in response shall not violate any law established in a "do not call" list or registry (including, but not limited to violation of any U.S. law or regulation, federal rules and regulations known as and including the Telephone Consumer Protection Act of 1991, Telemarketing Act, Telemarketing Sales Rules, or the Do-Not-Call Implementation Act, and any state laws and regulations to similar effect), or other statute or regulation.

 You further acknowledge and agree that HomeLoanHelper and its principals and employees shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of the service. You agree to indemnify and hold HomeLoanHelper and its subsidiaries, affiliates, officers, agents, co-branders or other partners and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the service, your violation of the TOS, or your violation of any rights of another.

You agree to provide true, accurate, current and complete information about yourself as prompted by the website's form. If you provide any information that is untrue, inaccurate, not current or incomplete, you may be refused use of the service. You agree not to upload, post or otherwise transmit any information that you do not have a right to transmit under any law or under a contractual or fiduciary relationship.

Mortgage / Lending Consumers

You should be informed that upon review of your loan evaluation and credit records, one or more mortgage lending companies may determine that you cannot be approved for credit or, your property value may not be acceptable, or lenders may not have an applicable program that fits your personal profile. Your final interest rate may be higher or lower than the rate a licensed broker has quoted. If there is a change, you will be notified and you will have the option to accept the new rate or not. All loan products and loan features may not be available in all states. It is important that you ask your licensed professionals what is both available as well as what is right for you.

HomeLoanHelper and its participating lenders and brokers do not guarantee a response by a participating lender and brokers. Complete details are included in the specific disclaimers and consumer disclosure material that is provided to each prospective customer by their licensed broker when the final application is completed.

HomeLoanHelper cannot give legal, tax, financial planning or other professional advice. Always consult with a qualified licensed advisor regarding your personal situation.

DISCLAIMER OF WARRANTIES AND LIMIT OF LIABILITY. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. HOMELOANHELPER EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. (b) HOMELOANHELPER MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. (c) ANY MATERIAL OBTAINED, DOWNLOADED OR OTHERWISE ACCESSED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS THAT RESULTS FROM YOUR USE OF THE SERVICE. YOU EXPRESSLY UNDERSTAND AND AGREE THAT HOMELOANHELPER SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY WITH WHOM YOUR INFORMATION IS SHARED VIA THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

In the future, the HomeLoanHelper web site may, for the benefit of its users, be linked to other sites of which HomeLoanHelper has no relation and exercises no control. HomeLoanHelper makes no representations as to the accuracy of any of the information contained in such hyper linked sites, nor shall it be liable for the users' reliance on any information contained therein.