Terms Of Use

    Please read our Terms of Use carefully before using our Website. Silverton Mortgage Specialists, Inc. (Silverton) maintains this Website for informational and communication purposes only. Use of the Silverton Website is conditional upon your acceptance of and agreement to these Terms of Use. If you do not agree with or meet the guidelines of theses Terms of Use, you must immediately cease use of this Website.

    TERMS APPLICABLE TO ALL USERS

    Changes To Terms

    Silverton may, at any time, for any reason and without notice, make changes to this Website. These changes may include the look, feel, format and content of the site as well as the products or services listed and described. These modifications will take effect immediately when posted to the Website. By continuing your use of this Website after changes are posted, you are deemed to have accepted these changes. Therefore, you should review the Terms of Use each time you visit this Website to ensure that you continue to agree with Terms of Use.

    Jurisdiction

    The Website is directed to those individuals and entities located in the United States and the content of the Website makes no representation that the information, opinions, advice or other content is appropriate or that its products or services are available outside of the United States. If you access this Website from other locations, you do so at your own risk and are responsible for compliance with applicable local laws. Scope of Use and User E-Mail

    You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Website for your informational, non-commercial use. All copyright notices, including copyright management information, or other proprietary notices must be left intact as listed on the Website. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website or the design or layout of the Website or individual sections of it, in any form or media. The systematic retrieval of data from the Website is prohibited.

    Please note that e-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this before e-mailing any information to Silverton and please consult our Privacy Policy for more information. When submitting email through the Website, you must agree not to submit or transmit materials or information that are: are defamatory, threatening, obscene or harassing; contain a virus, worm, Trojan horse or any other harmful component; incorporate copyrighted or other proprietary material of any third party without that party's permission; or otherwise violate any applicable laws.

    The commercial use, reproduction, transmission or distribution of any information, software or other material available through content or link to a third party on our Website without the prior written consent of said party is strictly prohibited.

    Copyrights and Trademarks

    Silverton respects the intellectual property rights of other and expects our users to do the same. The materials at this Site, as well as the organization and layout of this site, are copyrighted and are protected by United States and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non- commercial use; however, any print out of this Site, or portions of the Site, must include Silverton's notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another Website, use on any other Website, transfer or sell any information obtained from this Site without the prior written permission of Silverton Mortgage Specialists, Inc.

    Links

    For your convenience, we may provide links to various other Websites that may be of interest to you and for your convenience only. However, Silverton does not endorse such Websites and is not responsible for any of their content, its accuracy or reliability. Please read the terms, conditions and policies of any such sites. If you decide to access any of the third party sites linked to this Website, you do so at your own risk. Silverton reserves the right to terminate any link or linking program at any time Silverton disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such sites

    No Unlawful or Prohibited Use

    By agreeing to these Terms of Use, you warrant that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner that could damage, disable, overburden, or impair the Site or interfere or restrict with any other party's use and enjoyment of the Website. Any action by you, that in Silverton's sole discretion, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use this Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.

    Spamming

    Gathering email addresses from the Website by harvesting or automated means is prohibited. Posting or transmitting unauthorized or unsolicited advertising, promotional materials, or any other forms of solicitation to other users is prohibited.

    No Warranties

    THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN ''AS IS,'' ''AS AVAILABLE'' BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH SILVERTON EXPRESSLY DISCLAIMS. SILVERTON DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND SILVERTON WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE. SILVERTON MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY SILVERTON. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

    Governing Law, Location and Miscellaneous

    These Terms of Use shall be governed in all respects by the laws of the State of Georgia, USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

    No Professional Advice

    The information available on the Website is intended for your personal use only as a general information resource regarding the matters covered, and is not tailored to your specific circumstance. You should not construe this as financial, legal, accounting or other professional advice. This Website is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR MORTGAGE PROFESSIONAL, INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.

    Arbitration

    Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting Silverton confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Terms of Use or this Website shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Georgia, USA.

    Each party shall bear the burden of its own counsel fees in connection with any and all arbitration proceedings. Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

    Limitation of Liability

    YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. SILVERTON MORTGAGE SPECIALISTS, INC. DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF SILVERTON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY SILVERTON MORTGAGE SPECIALISTS, INC. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

    Indemnity

    You agree to defend, indemnify, and hold Silverton Mortgage Specialists, Inc., its officers, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Use.

    Contact us: If you would like to request additional information regarding these Terms of Use, please email us.