YOUR USE OF THIS WEB SITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEB SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS "TERMS OF USE." CLICKING ONTO WEB PAGES BEYOND THE WEB SITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEB SITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEB SITE.

WEB SITE OWNERSHIP
This Web site is owned and operated lending.com, 12700 Park Central Drive, Dallas TX, 75251 which is referred to below as "lending.com" or "we" or "us" or "Company" or "our."

PERMITTED USE
You agree that: your use of this Web site is subject to and governed by these Terms of Use, you will only access or use this Web site and transact business with us if you are at least 18 years old, you will comply with and be bound by these Terms of Use as they appear on this Web site each time you access and use this Web site, each use of this Web site by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and these Terms of Use are a legally binding agreement between you and lending.com that will be enforceable against you. You agree that you will not use or attempt to use this Web site for any purpose other than conducting mortgage banking related business with lending.com as a bona fide client of lending.com; you may not use or attempt to use this Web site or any part of this site for any purpose: that interferes with or induces a breach of the contractual relationships between lending.com and its employees, that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property, that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications, that transmits any harmful or disabling computer codes or viruses, that harvests e-mail addresses from this site, that transmits unsolicited e-mail to this site or to anyone whose e-mail address included the domain name under on this Web site, that interferes with our network services; that attempts to gain unauthorized access to our network services, that suggests an express or implied affiliation with lending.com or broker relationship with lending.com (without the express written permission of lending.com), that impairs or limits our ability to operate this Web site or any other person's ability to access and use this Web site, and/or that uses any methods, means or devices to click on to this Web site or cause a visit to this Web site for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with lending.com as a bona fide client of lending.com.

ACCESS TO THIS WEB SITE
Lending.com reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Web site.

USE OF THIS WEB SITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this Web site and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this Web site.