American Wide Loans

DISCLOSURE

This Interest rate tool, which is updated daily, shows a comparison of rates from a variety of our lenders. Rates shown reflect the payment of one discount point for the following consumer segment: 720+ FICO, $150,000 - $417,000 loan amount, LTV <=80%, SFD, Primary Home. All credit decisions will vary based upon your loan request and credit profile and are determined independently by each lender by a case by case basis.
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PRIVACY STATEMENT

We are committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of our web site. If you have any questions regarding our privacy statement, please feel free to contact AmericanWideLoans.com by phone or email.

Gathering of Information

Voluntary Submission We do not collect personally identifying information about any individual web site user except when knowingly provided by such individual. For example, we may ask you for information when you register for a contest or survey or to receive a newsletter. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most our web site, but you may be unable to access certain options and services.

Cookies

Our web servers automatically collect information about a site user's IP address, browser type and referrer by reading this information from the user's browser (information provided by every user's browser). This information is collected in a database and used--in an aggregated, anonymous manner--in our internal analysis of traffic patterns within our web site. This information is automatically logged by most web sites.

Use of Information

Our primary goal in collecting user information is to provide financial services directly to you and to enhance your experience on our web site. We achieve this goal by, among other things, providing interactive communications such as our calculators, forms and electronic newsletters to the e-mail address that you provide to us, and developing future promotions based on your interests. To develop content targeted to your interests, we use aggregated user information to determine which areas of our web site users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall. We do not share your identifying or financial information with any 3rd parties without your prior knowledge and consent. These 3rd parties include credit bureaus, lenders, and other financial institutions that may assist with your financial needs.

We may disclose information about our users when we believe, in good faith, that the disclosure is required by law. Please be aware that our sponsors, advertisers or web sites that have links on our site may collect personally identifiable information about you. The information practices of those parties and web sites linked to ours are not covered by this privacy statement. Our users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.

Kids under 13

Do not send any information about yourself to us--including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.

E-Mail

We respect the privacy of our readers and shall not disclose, distribute or rent the e-mail address of subscriber newsletter list to any third party, nor shall it permit anyone else to do so.

How to Contact Us

If you have any questions regarding our privacy statement, please feel free to contact us by email or phone. This statement may change periodically, so please check back on occasion.
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TERMS OF USE FOR SITE

The use of the web site (the "Web Site") is subject to the terms and conditions stated herein and to the terms set by the Site Owner (support@awl.com) located at http://www.americanwideloans.com. Use of the Web Site constitutes an agreement by you, the user, that your use is governed by these terms and conditions. In addition, when using particular services, you will be subject to any guidelines or rules applicable to such services that may be posted from time to time. You are responsible for regularly reviewing this Agreement.

Ownership of Intellectual Property

The works of authorship contained in this Web Site, including but not limited to all design, text and images, are owned, except as otherwise expressly stated, by AmericanWideLoans or its licensors. United States and worldwide copyright laws and treaty provisions protect the contents of this Web Site. In accordance with these terms, except as stated above,

Appropriate Conduct and Prohibited Uses:

You agree that You are responsible for your own conduct and content while using the Service and for any consequences thereof. You agree to use the Service only for purposes that are legal, proper and in accordance with these Terms of Use and any applicable policies or guidelines. By way of example, and not as a limitation, You agree that when using the Service, You will not:

Copy, reproduce, modify, use, republish, upload, post, publish, license, create derivative works from, transmit or distribute in any way material from the Web Site without express written permission;
defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
upload, post, email or transmit or otherwise make available any inappropriate, defamatory, infringing, obscene, or unlawful Content;
upload, post, email or transmit or otherwise make available any Content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless You are the owner of the Rights or have the permission of the owner to post such Content;
upload, post, email or transmit or otherwise make available messages that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, these Terms of Service or any applicable policies or guidelines.
download any file posted by another that You know, or reasonably should know, that cannot be legally distributed in such manner;
impersonate another person or entity, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material;
restrict or inhibit any other user from using and enjoying Site Owners and/or AmericanWideLoans services;
use services for any illegal or unauthorized purpose;
interfere with or disrupt services or servers or networks connected to Site Owners and/or AmericanWideLoans services, or disobey any requirements, procedures, policies or regulations of networks connected to Site Owners and/or AmericanWideLoans services;;
use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of services or collect information about users for any unauthorized purpose;
submit Content that falsely expresses or implies that such Content is sponsored or endorsed by AmericanWideLoans and/or Site Owner;;
create user accounts by automated means or under false or fraudulent pretenses;
promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual; or
transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.
Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained from the Site Owner and/or AmericanWideLoans Web Sites. This includes among other activities, using "framing, scraping, screen scraping, database scraping, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without express written permission.
Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited.
International users agree to comply with their own local rules regarding online conduct and acceptable content, including laws regulating the export of data to the United States or your country of residence.

Rates Mortgage Tools

These are calculation tools, not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary. The Site Owner cannot guarantee the accuracy of published rates.

Market Volatility

Site Owner is not liable for changes in the market that change buyer/seller conditions.

Activity Restriction

Site use is restricted to real estate mortgage activities.

Web Site Security

You are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. AmericanWideLoans and/or Site Owner will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

DISCLAIMER OF WARRANTY

THE WEB SITES ARE PROVIDED "AS-IS" AND "WITH ALL FAULTS" AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AMERICANWIDELOANS AND SITE OWNER DISCLAIMS ALL OTHER REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEB SITES, INCLUDING WITHOUT LIMITATION ITS FITNESS FOR A PARTICULAR PURPOSE, ITS QUALITY, ITS MERCHANTABILITY, ITS PERFORMANCE, ITS NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, OR THE RESULTS OBTAINED BY USING THE WEB SITES. THE COMPANY DOES NOT WARRANT THAT THE WEB SITES ARE FREE FROM BUGS, VIRUSES, ERRORS OR OTHER PROGRAM LIMITATIONS. AMERICANWIDELOANS AND SITE OWNER 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. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SITE OWNER, AMERICANWIDELOANS OR THROUGH OR FROM AMERICANWIDELOANS SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE. LIMITATION OF LIABILITY SITE OWNER AND AMERICANWIDELOANS SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION, ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEB SITES. USE OF SITE OWNER AND ALM WEB SITES IS AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE AMERICANWIDELOANS WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEB SITES.

Indemnity

You will indemnify, defend and hold harmless Site Owner and AmericanWideLoans and its officers, directors, employees and agents (each, an "Indemnified Party") from and against any and all claims, demands, losses, costs, expenses, liabilities and damages of any kind or nature whatsoever (collectively, "Damages") incurred by any Indemnified Party arising out of, in connection with or resulting from (i) your use of the Web Sites or (ii) your breach of this Agreement.

Governing Law/Arbitration

This Agreement shall be construed and governed by the State of New Jersey, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts sitting in New Jersey in all disputes arising out of or relating to the use of the Web Sites. Use of the Web Sites is unauthorized in any jurisdiction that does not give the effect to all provisions of these terms and conditions, including without limitation this paragraph.