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Agreement Between User and Global
Consultants Direct Inc. This web site is offered to
you, the User, conditioned upon your acceptance without
modification of the terms, conditions and notices contained
herein. Your use of this web site constitutes your agreement
to all such terms, conditions and notices.
Copyright Notice
The contents of all material available
on the site are copyrighted by Global Consultants Direct
Inc. (“Global”) unless otherwise indicated.
All rights are reserved by Global and, except for purposes
of researching or applying for a loan, the content may
not be reproduced, downloaded, disseminated, published,
or transferred in any form or by any means, except with
the prior written permission of Global.
Legal Notice and Disclaimer
INFORMATION ON THIS SITE IS PROVIDED
“AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER
EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE OR NON-INFRINGEMENT.
Global (including its employees and agents) assumes
no responsibility for consequences from the use of the
information herein, or in any respect for the content
of such information, including, but not limited to,
delays, errors or omissions, the accuracy or reasonableness
of information, the defamatory nature of statements,
ownership of copyright or other intellectual property
rights, and the violation of property, privacy or personal
rights of others.
GLOBAL IS NOT RESPONSIBLE FOR, AND EXPRESSLY DISCLAIMS
ALL LIABILITY FOR, DAMAGES OF ANY KIND ARISING OUT OF
USE, REFERENCE OR RELIANCE ON SUCH INFORMATION.
No Unlawful or Prohibited Use
As a condition of your use of this web site, you warrant
to Global that you will not use this web site or any
information contained on the web site for any purpose
that is unlawful or prohibited by these Terms, Conditions
and Notices.
Links to Other Internet Sites
At certain places on this site, live “links”
to other Internet addresses can be accessed (“Linked
Sites”). Such Linked Sites contain information
created, published, maintained, or otherwise posted
by institutions or organizations independent of Global.
Global does not endorse, approve, certify or control
these Linked Sites and does not guarantee the accuracy,
completeness, efficacy, timeliness or correct sequencing
of information that they contain. Use of Linked Sites
is voluntary, and should only be undertaken after an
independent review of the accuracy, completeness, efficacy
and timeliness of information contained therein. In
addition, it is the user’s responsibility to take
precautions to ensure that material selected from such
Linked Sites is free of such items as viruses, worms,
Trojan horses and other items of a destructive nature.
Global is not responsible for, and expressly disclaims
all liability for, damages of any kind arising out of
the use of such Linked Sites, or reference to or reliance
on information contained therein.
Modification of these Terms,
Conditions and Notices
Global reserves the right to change the Terms, Conditions
and Notices under which this web site is offered.
General
Global reserves the right to terminate this agreement
at any time for any reason, including, but not limited
to, violating any of the terms or conditions of this
agreement.
By accessing this web site, you have directed your system
to a computer located in the State of New York. You
agree that disputes arising out of or relating to the
contents or use of this web site are to be governed
by the laws of the State of New York. You consent to
the exclusive jurisdiction of courts sitting in the
State of New York in all disputes arising out of or
relating to the contents or use of this web site.
If any part of this agreement is determined to be invalid
or unenforceable pursuant to applicable law, including
without limitation, the warranty disclaimers and liability
limitations set forth above, then the invalid or unenforceable
provisions will be deemed superseded by a valid, enforceable
provision that most closely matches the intent of the
original provision and the remainder of the agreement
shall continue in full force and effect.
This agreement constitutes the entire agreement between
you and Global with respect to the use of this web site
and it supersedes all prior or contemporaneous communications
and proposals, whether electronic, oral or written,
between you and Global with respect to this web site.
A printed version of this agreement and of any notice
given in electronic form shall be admissible in judicial
or administrative proceedings based upon or relating
to this agreement to the same extent and subject to
the same conditions as other business documents and
records originally generated and maintained in printed
form.
Any rights not expressly granted herein are reserved.
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Global Consultants
Direct, Inc.
This notice describes our privacy practices regarding
information we collect in conjunction with your mortgage
application. In the course of our business relationship
with you, we collect information about you that is necessary
to provide you with a service. We value your confidence
in us and we treat this information as confidential
and recognize the importance of protecting it.
Information We Collect
We collect certain information (non-public
personal information) about you from the following sources:
- Information you provide on your
mortgage loan application and related forms, such
as your social security number, income, name and address;
- Information about your transactions
with us, our affiliates or others;
- Information we receive from a
consumer reporting agency, such as your credit worthiness
or credit history.
We use this information to order
a credit report, verify your employment, verify any
funds you may have on deposit with a financial institution,
and as necessary to evaluate and process your application
for a mortgage loan.
Sharing Information
We do not share non-public personal
information about our customers or former customers
to anyone, except as permitted or required by law.
Confidentiality & Security Of
Information
We restrict access to your non-public
personal information to those employees who need to
know that information, to those companies or individuals
that provide services to us, and in order to provide
products and services to you. We maintain physical,
electronic and procedural safeguards that comply with
federal regulations to guard your nonpublic personal
information.
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