Terms of Service

Effective Date: July 15, 2017

Welcome to Mortgage Whistle LLC ("Mortgage Whistle"), which provides its services to you subject to the following Terms of Service. If you visit or use this website, you accept these Terms of Service. Please read them carefully.


PRIVACY

Please review Mortgage Whistle's Privacy Policy, which also governs your visit to our website, to understand our practices.


COPYRIGHT

All content included on this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Mortgage Whistle or its content suppliers and protected by domestic and international copyright laws. The compilation of all content on this website is the exclusive property of Mortgage Whistle, with copyright authorship for this collection by Mortgage Whistle, and protected by domestic and international copyright laws.


TRADEMARKS

Mortgage Whistle's trademarks and trade dress may not be used in connection with any product or service that is not Mortgage Whistle's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Mortgage Whistle. All other trademarks not owned by Mortgage Whistle that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Mortgage Whistle.


REFUNDS

Mortgage Whistle does not offer refunds.


LINKS TO OTHER WEBSITES

We provide links to other websites. You acknowledge and agree that, because we have no control over such websites, we are not responsible for them or their content, advertising, products or other materials on or available from such websites. You further acknowledge and agree that Mortgage Whistle will not be liable for any loss whatsoever for any damages caused by or incurred in connection with the use of or reliance on the information, goods or services available through any such website.


RISK OF LOSS; DISCLAIMERS

MORTGAGE WHISTLE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR SERVICES INCLUDED ON THIS WEBSITE. BY YOUR USE OF THIS WEBSITE, YOU EXPRESSLY ACKNOWLEDGE THAT SUCH INFORMATION AND SERVICES MAY CONTAIN INACCURACIES OR ERRORS AND MORTGAGE WHISTLE EXPRESSLY EXCLUDES LIABILITY FOR ANY SUCH INACCURACIES OR ERRORS TO THE FULLEST EXTENT PERMITTED BY LAW.

MORTGAGE WHISTLE IDENTIFIES AND ANALYZES CHARGES SET FORTH IN 38 CODE OF FEDERAL REGULATIONS (C.F.R.) 36.4313, VA PAMPHLET 26-7 AND VA CIRCULARS, THE REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) REGULATION X, AND THE CONSUMER FINANCIAL PROTECTION BUREAU'S (CFPB) INTEGRATED MORTGAGE DISCLOSURE RULES. MORTGAGE WHISTLE DOES NOT WARRANT THAT IT WILL BE ABLE TO IDENTIFY POTENTIALLY IMPROPER CHARGES THAT ARE NOT CONTAINED IN THESE SOURCES. FURTHER, MORTGAGE WHISTLE DOES NOT HAVE THE AUTHORITY TO ENFORCE ANY REGULATIONS, AND YOU EXPRESSLY AGREE THAT MORTGAGE WHISTLE SHALL NOT BE HELD LIABLE IF A LENDER DOES NOT OBEY ANY LAWS OR REGULATIONS, OR IF ANY LAWS OR REGULATIONS ARE NOT ENFORCED.

MORTGAGE WHISTLE CANNOT CONTROL DATA ENTRIES BY THE USER, AND YOU EXPRESSLY AGREE THAT MORTGAGE WHISTLE SHALL NOT BE HELD LIABLE FOR ANY DATA ENTRY ERRORS YOU MAY MAKE.

MORTGAGE WHISTLE IDENTIFIES AND ANALYZES EXCESSIVE FEES, NOT POTENTIAL UNDERPAYMENT(S) YOU MAY HAVE MADE. ACCORDINGLY, A REGULATOR, LENDER, OR OTHER PERSON OR ENTITY MAY LATER IDENTIFY ADDITIONAL FEES IT BELIEVES YOU OWE. YOU AGREE THAT MORTGAGE WHISTLE SHALL NOT BE HELD LIABLE IF IT IS SUBSEQUENTLY DETERMINED THAT YOU OWE ADDITIONAL FEES.

YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMITTED BY LAW, MORTGAGE WHISTLE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF QUALITIES OF SERVICES. MORTGAGE WHISTLE DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM MORTGAGE WHISTLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULLEST EXTENT PERMITTED BY LAW MORTGAGE WHISTLE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES AND, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY LIABILITY OF MORTGAGE WHISTLE IS LIMITED TO THE AMOUNT YOU HAVE PAID FOR OUR SERVICE. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.


APPLICABLE LAW

By visiting Mortgage Whistle, you agree that the laws of the State of Florida, without regard to principles of conflict of laws, will govern these Terms of Service and any dispute of any sort that might arise between you and Mortgage Whistle.


DISPUTES

Any dispute relating in any way to your visit to Mortgage Whistle shall be submitted to confidential arbitration in the State of Florida, except that, to the extent you have in any manner violated or threatened to violate Mortgage Whistle's intellectual property rights, Mortgage Whistle may seek injunctive or other appropriate relief in any state or federal court in the State of Florida, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitration award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.


MODIFICATION, AND SEVERABILITY

Mortgage Whistle reserves the right to make changes to our website, policies, and these Terms of Service at any time. If any of these terms or conditions shall be deemed invalid, void, or for any reason unenforceable, that term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining term condition.


ADDITIONAL TERMS AND INFORMATION

Mortgage Whistle reserves the right to terminate your access to this website without any advance notice. You may not create a link to this website from another website or document without prior written consent of Mortgage Whistle. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.


QUESTIONS

Questions regarding our Terms of Service, Privacy Policy, or other policy related material can be directed to us by clicking on the "Feedback" link located at the bottom of this page.









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