Terms and Conditions

Xpert Mortgage Terms of Use

Effective as of (01/18/2021)

Welcome to the Xpert Mortgage’s Terms of Use agreement. For purposes of this agreement,

“Site” refers to the Company’s website, which can be accessed at http://xpertmortgage1.com.

“Service” refers to the Company’s services accessed via the Site, in which users can submit

personal information to us. The terms “we,” “us,” and “our” refer to the Company. “You” refers

to you, as a user of our Site or our Service.

The following Terms of Use apply when you view or use the Service via our website located at

http://xpertmortgage1.com.

Please review the following terms carefully. By accessing or using the Service, you signify your

agreement to these Terms of Use. If you do not agree to be bound by these Terms of Use in

their entirety, you may not access or use the Service.

The Company respects the privacy of its Service users. Please refer to the Company’s Privacy

Policy (found here: http://xpertmortgage1.com) which explains how we collect, use, and

disclose information that pertains to your privacy. When you access or use the Service, you

signify your agreement to the Privacy Policy as well as these Terms of Use.

ABOUT THE SERVICE

The Service allows you to submit personal information

REGISTRATION; RULES FOR USER CONDUCT AND USE OF THE SERVICE

You need to be at least 13 years old and a resident of the United States to register for and use the

Service.

If you are a user who signs up for the Service, you will create a personalized account which

includes a unique username and a password to access the Service and to receive messages from

the Company. You agree to notify us immediately of any unauthorized use of your password

and/or account. The Company will not be responsible for any liabilities, losses, or damages

arising out of the unauthorized use of your member name, password and/or account.

USE RESTRICTIONS

Your permission to use the Site is conditioned upon the following use, posting and conduct

restrictions:

You agree that you will not under any circumstances:

· access the Service for any reason other than your personal, non-commercial use solely as

permitted by the normal functionality of the Service,

· collect or harvest any personal data of any user of the Site or the Service

· use the Site or the Service for the solicitation of business in the course of trade or in

connection with a commercial enterprise;

· distribute any part or parts of the Site or the Service without our explicit written permission

(we grant the operators of public search engines permission to use spiders to copy materials

from the site for the sole purpose of creating publicly-available searchable indices but retain the

right to revoke this permission at any time on a general or specific basis);

· use the Service for any unlawful purpose or for the promotion of illegal activities;

· attempt to, or harass, abuse or harm another person or group;

· use another user’s account without permission;

· intentionally allow another user to access your account;

· provide false or inaccurate information when registering an account;

· interfere or attempt to interfere with the proper functioning of the Service;

· make any automated use of the Site, the Service or the related systems, or take any action

that we deem to impose or to potentially impose an unreasonable or disproportionately large

load on our servers or network infrastructure;

· bypass any robot exclusion headers or other measures we take to restrict access to the

Service, or use any software, technology, or device to scrape, spider, or crawl the Service or

harvest or manipulate data;

· circumvent, disable or otherwise interfere with any security-related features of the Service or

features that prevent or restrict use or copying of content, or enforce limitations on use of the

Service or the content accessible via the Service; or

· publish or link to malicious content of any sort, including that intended to damage or disrupt

another user’s browser or computer.

POSTING AND CONDUCT RESTRICTIONS

When you create your own personalized account, you may be able to provide a name, phone

number, email address, estimated income and estimated credit score (“User Content”) to the

Service. You are solely responsible for the User Content that you post, upload, link to or

otherwise make available via the Service.

You agree that we are only acting as a passive conduit for your online distribution and

publication of your User Content. The Company, however, reserves the right to remove any

User Content from the Service at its sole discretion.

We grant you permission to use and access the Service, subject to the following express

conditions surrounding User Content. You agree that failure to adhere to any of these conditions

constitutes a material breach of these Terms.

By transmitting and submitting any User Content while using the Service, you agree as follows:

· You are solely responsible for your account and the activity that occurs while signed in to or

while using your account;

· You will not post information that is malicious, libelous, false or inaccurate;

· You will not post any information that is abusive, threatening, obscene, defamatory, libelous,

or racially, sexually, religiously, or otherwise objectionable and offensive;

· You retain all ownership rights in your User Content but you are required to grant the

following rights to the Site and to users of the Service as set forth more fully under the “License

Grant” and “Intellectual Property” provisions below: When you upload or post User Content to

the Site or the Service, you grant to the Site a worldwide, non-exclusive, royalty-free,

transferable license to use, reproduce, distribute, prepare derivative works of, display, and

perform that Content in connection with the provision of the Service; and you grant to each user

of the Service, a worldwide, non-exclusive, royalty-free license to access your User Content

through the Service, and to use, reproduce, distribute, prepare derivative works of, display and

perform such Content to the extent permitted by the Service and under these Terms of Use;

· You will not submit content that is copyrighted or subject to third party proprietary rights,

including privacy, publicity, trade secret, or others, unless you are the owner of such rights or

have the appropriate permission from their rightful owner to specifically submit such content;

and

· You hereby agree that we have the right to determine whether your User Content

submissions are appropriate and comply with these Terms of Service, remove any and/or all of

your submissions, and terminate your account with or without prior notice.

You understand and agree that any liability, loss or damage that occurs as a result of the use of

any User Content that you make available or access through your use of the Service is solely

your responsibility. The Site is not responsible for any public display or misuse of your User

Content.

The Site does not, and cannot, pre-screen or monitor all User Content. However, at our

discretion, we, or technology we employ, may monitor and/or record your interactions with the

Service or with other Users.

ONLINE CONTENT DISCLAIMER

Opinions, advice, statements, offers, or other information or content made available through the

Service, but not directly by the Site, are those of their respective authors, and should not

necessarily be relied upon. Such authors are solely responsible for such content.

We do not guarantee the accuracy, completeness, or usefulness of any information on the Site or

the Service nor do we adopt nor endorse, nor are we responsible for, the accuracy or reliability

of any opinion, advice, or statement made by other parties. We take no responsibility and

assume no liability for any User Content that you or any other user or third party posts or sends

via the Service. Under no circumstances will we be responsible for any loss or damage resulting

from anyone’s reliance on information or other content posted on the Service, or transmitted to

users.

Though we strive to enforce these Terms of Use, you may be exposed to User Content that is

inaccurate or objectionable when you use or access the Site or the Service. We reserve the right,

but have no obligation, to monitor the materials posted in the public areas of the Site or the

Service or to limit or deny a user’s access to the Service or take other appropriate action if a user

violates these Terms of Use or engages in any activity that violates the rights of any person or

entity or which we deem unlawful, offensive, abusive, harmful or malicious. E-mails sent

between you and other participants that are not readily accessible to the general public will be

treated by us as private to the extent required by applicable law. The Company shall have the

right to remove any material that in its sole opinion violates, or is alleged to violate, the law or

this agreement or which might be offensive, or that might violate the rights, harm, or threaten

the safety of users or others. Unauthorized use may result in criminal and/or civil prosecution

under Federal, State and local law. If you become aware of a misuse of our Service or violation

of these Terms of Use, please contact us patrickxpert01@gmail.com.

LINKS TO OTHER SITES AND/OR MATERIALS

As part of the Service, we may provide you with convenient links to third party website(s)

(“Third Party Sites”) as well as content or items belonging to or originating from third parties

(the “Third Party Applications, Software or Content”). These links are provided as a courtesy to

Service subscribers. We have no control over Third Party Sites or Third Party Applications,

Software or Content or the promotions, materials, information, goods or services available on

these Third Party Sites or Third Party Applications, Software or Content. Such Third Party Sites

and Third Party Applications, Software or Content are not investigated, monitored or checked

for accuracy, appropriateness, or completeness, and we are not responsible for any Third Party

Sites accessed through the Site or any Third Party Applications, Software or Content posted on,

available through or installed from the Site, including the content, accuracy, offensiveness,

opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites or

the Third Party Applications, Software or Content. Inclusion of, linking to or permitting the use

or installation of any Third Party Site or any Third Party Applications, Software or Content does

not imply our approval or endorsement. If you decide to leave the Site and access the Third

Party Sites or to use or install any Third Party Applications, Software or Content, you do so at

your own risk and you should be aware that our terms and policies, including these Terms of

Use, no longer govern. You should review the applicable terms and policies, including privacy

and data gathering practices, of any Third Party Site to which you navigate from the Site or

relating to any applications you use or install from the Third Party Site.

(a) Termination of Repeat Infringer Accounts. We respect the intellectual property rights of

others and requires that the users do the same. Pursuant to 17 U.S.C. 512(i) of the United States

appropriate circumstances of users of the Service who are repeat infringers. We may terminate

access for participants or users who are found repeatedly to provide or post protected third

party content without necessary rights and permissions.

(b) DMCA Take-Down Notices. If you are a copyright owner or an agent thereof and believe, in

good faith, that any materials provided on the Service infringe upon your copyrights, you may

submit a notification pursuant to the Digital Millennium Copyright Act (s ee 17 U.S.C 512)

(“DMCA”) by sending the following information in writing to the our designated copyright

agent at 8643 Ogden Ave, #2 Lyons IL 60534:

1. The date of your notification;

2. A physical or electronic signature of a person authorized to act on behalf of the

owner of an exclusive right that is allegedly infringed;

3. A description of the copyrighted work claimed to have been infringed, or, if multiple

copyrighted works at a single online site are covered by a single notification, a

representative list of such works at that site;

4. A description of the material that is claimed to be infringing or to be the subject of

infringing activity and information sufficient to enable us to locate such work;

5. Information reasonably sufficient to permit the service provider to contact you, such

as an address, telephone number, and/or email address;

6. A statement that you have a good faith belief that use of the material in the manner

complained of is not authorized by the copyright owner, its agent, or the law; and

7. A statement that the information in the notification is accurate, and under penalty of

perjury, that you are authorized to act on behalf of the owner of an exclusive right that

is allegedly infringed.

is not infringing, or that you have the authorization from the copyright owner, the copyright

owner's agent, or pursuant to the law, to post and use the content in your User Content, you

may send a counter-notice containing the following information to our copyright agent using

the contact information set forth above:

1. Your physical or electronic signature;

2. A description of the content that has been removed and the location at which the

content appeared before it was removed;

3. A statement that you have a good faith belief that the content was removed as a

result of mistake or a misidentification of the content; and

4. Your name, address, telephone number, and email address, a statement that you

consent to the jurisdiction of the federal court in Illinois and a statement that you will

accept service of process from the person who provided notification of the alleged

infringement.

If a counter-notice is received by our copyright agent, we may send a copy of the counter-notice

to the original complaining party informing such person that it may reinstate the removed

content in ten (10) business days. Unless the copyright owner files an action seeking a court

order against the content provider, member or user, the removed content may (in our sole

discretion) be reinstated on the Site in ten (10) to fourteen (14) business days or more after

receipt of the counter-notice.

LICENSE GRANT

By posting any User Content via the Service, you expressly grant, and you represent and

warrant that you have a right to grant, to the Company a royalty-free, sublicensable,

transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify,

publish, list information regarding, edit, translate, distribute, publicly perform, publicly display,

and make derivative works of all such User Content and your name, voice, and/or likeness as

contained in your User Content, if applicable, in whole or in part, and in any form, media or

technology, whether now known or hereafter developed, for use in connection with the Service.

INTELLECTUAL PROPERTY

You acknowledge and agree that we and our licensors retain ownership of all intellectual

property rights of any kind related to the Service, including applicable copyrights, trademarks

and other proprietary rights. Other product and company names that are mentioned on the

Service may be trademarks of their respective owners. We reserve all rights that are not

expressly granted to you under these Terms of Use.

EMAIL MAY NOT BE USED TO PROVIDE NOTICE

Communications made through the Service’s email and messaging system will not constitute

legal notice to the Site, the Service, or any of its officers, employees, agents or representatives in

any situation where legal notice is required by contract or any law or regulation.

USER CONSENT TO RECEIVE COMMUNICATIONS IN ELECTRONIC FORM

For contractual purposes, you: (a) consent to receive communications from us in an electronic

form via the email address you have submitted; and (b) agree that all Terms of Use, agreements,

notices, disclosures, and other communications that we provide to you electronically satisfy any

legal requirement that such communications would satisfy if it were in writing. The foregoing

does not affect your non-waivable rights.

We may also use your email address to send you other messages, including information about

the Site or the Service and special offers. You may opt out of such email by changing your

account settings, using the “Unsubscribe” link in the message, or by sending an email to

Patrickxpert01@gmail.com or mail to the following postal address:

Customer Support

8643 Ogden Ave #2, Lyons IL 60534

Opting out may prevent you from receiving messages regarding the Site, the Service or special

offers.

WARRANTY DISCLAIMER

THE SERVICE, IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT

LIMITING THE FOREGOING, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER

EXPRESS, IMPLIED OR STATUTORY, REGARDING THE SERVICE INCLUDING WITHOUT

LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT

LIMITING THE FOREGOING, WE MAKE NO WARRANTY OR REPRESENTATION THAT

ACCESS TO OR OPERATION OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR

FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR

DOWNLOADING AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER

MATERIAL OBTAINED FROM THE SERVICE. SOME JURISDICTIONS LIMIT OR DO NOT

PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

LIMITATION OF DAMAGES; R ELEASE

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE SITE, THE

SERVICE, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR

PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE, OR DATA, OR FOR

ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES,

HOWEVER ARISING, THAT RESULT FROM: (A) THE USE, DISCLOSURE, OR DISPLAY OF

YOUR USER CONTENT; (B) YOUR USE OR INABILITY TO USE THE SERVICE; (C) THE

SERVICE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE SERVICE

AVAILABLE; OR (D) ANY OTHER INTERACTIONS WITH USE OR WITH ANY OTHER USER

OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING

NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE

BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY

SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME

JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS

PROVISION MAY NOT APPLY TO YOU.

If you have a dispute with one or more users, a restaurant or a merchant of a product or service

that you review using the Service, you release us (and our officers, directors, agents,

subsidiaries, j oint ventures and employees) from claims, demands and damages (actual and

consequential) of every kind and nature, known and unknown, arising out of or in any way

connected with such disputes.

If you are a California resident using the Service, you may specifically waive California Civil

Code §1542, which says: “A general release does not extend to claims which the creditor does

not know or suspect to exist in his favor at the time of executing the release, which if known by

him must have materially affected his settlement with the debtor.”

MODIFICATION OF TERMS OF USE

We can amend these Terms of Use at any time and will update these Terms of Use in the event

of any such amendments. It is your sole responsibility to check the Site from time to time to

view any such changes in this agreement. Your continued use of the Site or the Service signifies

your agreement to our revisions to these Terms of Use. We will endeavor to notify you of

material changes to the Terms by posting a notice on our homepage and/or sending an email to

the email address you provided to us upon registration. For this additional reason, you should

keep your contact and profile information current. Any changes to these Terms (other than as

set forth in this paragraph) or waiver of our rights hereunder shall not be valid or effective

except in a written agreement bearing the physical signature of one of our officers. No

purported waiver or modification of this agreement on our part via telephonic or email

communications shall be valid.

GENERAL TERMS

If any part of this Terms of Use agreement is held or found to be invalid or unenforceable, that

portion of the agreement will be construed as to be consistent with applicable law while the

remaining portions of the agreement will remain in full force and effect. Any failure on our part

to enforce any provision of this agreement will not be considered a waiver of our right to

enforce such provision. Our rights under this agreement survive any transfer or termination of

this agreement.

You agree that any cause of action related to or arising out of your relationship with the

Company must commence within ONE year after the cause of action accrues. Otherwise, such

cause of action is permanently barred.

These Terms of Use and your use of the Site are governed by the federal laws of the United

States of America and the laws of the State of Illinois, without regard to conflict of law

provisions.

We may assign or delegate these Terms of Service and/or our Privacy Policy, in whole or in

part, to any person or entity at any time with or without your consent. You may not assign or

delegate any rights or obligations under the Terms of Service or Privacy Policy without our

prior written consent, and any unauthorized assignment or delegation by you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND

THE TERMS OF USE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS. YOU

FURTHER ACKNOWLEDGE THAT THESE TERMS OF USE TOGETHER WITH THE

AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT

SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY

OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF

THIS AGREEMENT.