Acceptance of Terms
General Use of the Site
- except with the express written permission of the Company, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Site, including without limitation, engaging in the practices of “screen scraping,” “database scraping,” or any other activity with the purpose of obtaining lists of users or other information;
- damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site;
- obtain or attempt to obtain any materials or information through any means not made readily accessible by the Company through the Site;
- use or attempt to use the Site for any purpose other than conducting real estate and/or mortgage or related business with the Company as a bona fide user of the Company’s website;
- interfere with or induce a breach of the contractual relationships between the Company and its employees;
- use the Site for any unlawful or prohibited purpose;
- use the Site to transmit any harmful or disabling computer codes or viruses;
- transmit unsolicited email to this Site or to anyone whose email address includes the domain name on the Site;
- use the Site in any way that interferes with our network services or that attempts to gain authorized access to our network services;
- use the Site in any way that suggests an express or implied affiliation with the Company or a relationship with the Company without the express written permission of the Company; or
- except with the express written permission of the Company, access or attempt to access password protected, secure or non-public areas of the Site.
Except with the express written permission of the Company, you agree that you will not create links directly to the Site home page, currently located at www.realestate-cp.com or to any page within the Site from any Web site or Web page. The origin of any link to the Site home page must be accompanied by a clear and prominent attribution indicating that the link is connected to the Site home page. By creating a link to the Site, you agree that (a) you will not employ any technology that results in the placement of content from the Site in a frame and/or a reduced pop-up window and/or any other display mechanism which changes appearance of the Site from how it would appear if a user typed the URL in a typical browser line, (b) your site shall not display content or link to other web sites that contain content that is illegal, obscene, indecent, disparaging, discriminating or otherwise offensive, (c) you have duly registered your domain name and possess all rights necessary to use the same, and (d) you shall not in any manner access, collect, store, disclose, transfer or use any information obtained or derived from a user’s access to or use of the Site. The Company reserves the right to revoke your permission to create such link at any time in its sole discretion and you agree to immediately cease using the link at any time that the Company so requests.
The Services and products provided through the Site may also be accessed on or through third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these Services is an offer or promise by the Company to sell or provide a specific product or service for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. In addition, the Company does not make, and hereby disclaims, any representation or warranty with respect to any third party services, and is not responsible for their accuracy, sufficiency, veracity, completeness or timeliness. You are responsible for confirming the sufficiency and reliability of any third party services, and you hereby release the Company from any and all claims, demands, liability and damages (actual or consequential) of every kind and nature, known and unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with your use of such services.
Please note that you may be subject to additional and/or different terms, conditions, and privacy policies when you use third party services, Content (as defined below), software or Web sites.
Further, please note that certain of the interactive Services and Content may be financial or mortgage tools that provide certain information and customized results based on data provided by the user. These tools are for demonstration purposes only. Use of these interactive Services and Content shall in no event be construed as an offer to lend or to provide any specific interest rate or loan terms. Market interest rates and loan terms may vary from those reflected by using the tools or any results provided by the tools.
Unless there is explicit and specific language and disclosures to the contrary, e-mails from us do not contain or constitute an electronic signature, even if the sender’s name appears in the e-mail. E-mail communications are not intended to be construed against the Company as a guarantee of price, an unconditional loan commitment, an unconditional loan approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to buy, purchase, lease, rent, or lend. Such documents and agreements are generally sent to clients in writing, including electronic writings if you and the Company formally agree to communicate electronically via the Electronic Signatures in Global and National Commerce Act, otherwise known as “E-Sign.”
Communications with Clover Properties, LLC
We do not advise using email or chat to communicate time-sensitive matters or official company matters, including, but not limited to, home search, apartment search, commercial search, your loan, loan application or closing (such as interest rate locks, cancellation of a closing, rescissions, or the like), as they may not be received or reviewed in a timely manner. All emails are processed through various virus and spam filters that may delay or reject the delivery of an email entirely. Urgent matters should be communicated in person via the telephone, and then confirmed in writing with the appropriate person/party via fax or email. We reserve the right to block any email source we deem appropriate. The Company’s email facilities are only to be used for conducting lawful and legitimate business purposes relating to Company business. Your communications with us via the Site, chat, email and telephone may be recorded and/or monitored, and by using such communications you are consenting to such recording and/or monitoring of the same.
All responses to property or loan inquiries and applications, loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are made by the Company or its affiliates only in writing, including the E-sign process noted above. Responses, approvals, pre-qualifications, pre-approvals are conditional in accordance with these terms except as is specifically provided for in writing by the Company.
Emails sent by the Company are confidential (including all attachments to such emails) and are to be reviewed and/or disclosed only to the individual or entity to who they are addressed and intended. If you receive an email in error, the information contained in the email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose this confidential information. Please notify the sender immediately and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as “Confidential” contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including, but not limited to, the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential Information provided by the Company, you agree to indemnify, defend and hold the Company harmless against any and all claims, losses, liabilities or expenses, including attorneys’ fees that the Company may incur as a result of unauthorized disclosure or dissemination of confidential information due to your acts or omissions.
The Site and all of its content, including, but not limited to, all information, text, messages, images, photos, illustrations, interactive tools, designs, icons, video clips, sounds, files, trademarks, copyrighted material, trade dress, software, specifications, catalogs, literature, technical information, advertisements and other content or materials on or Transmitted (as defined below) to the Site, (collectively, “Content”) is owned and copyrighted or licensed by the Company and/or third parties with all rights reserved unless otherwise noted. The Company grants you a limited license to access and use the Site, Services and Content solely for informational, personal and non-commercial purposes (including printing individual pages from the Site provided that you retain all copyright and other proprietary notices contained thereon). You are strictly prohibited from downloading (other than page caching) modifying, or making any other use of the Site, Services or Content, except with express written consent of the Company. You understand and agree that all third party Content posted on, transmitted through, or linked from the Site, is the sole responsibility of the third party originator of such Content. Content and Services are provided through the Site “AS IS,” and you agree that the use of and reliance on any Content or Services is at your own risk, and that under no circumstances shall the Company be liable for any Content or Services or for any loss or damage of any kind incurred as a result of the use of any Content or Services made available via the Site.
You acknowledge that the Company does not screen or approve third-party Content, and that the Company shall have the right (but not the obligation) in its sole discretion to refuse, modify and/or delete any Content that is available via the Site, for any reason and at any time.
Content You Provide
To the extent that you post, upload, input, submit or otherwise transmit (collectively, “Transmit,” “Transmitting” or “Transmitted” as appropriate) Content on or through the Site, including when making a loan inquiry, application or in entering into any other transaction or request for information on the Site, you agree to provide true, accurate, current and complete information upon which Cornerstone and any other third parties may rely and to refrain from impersonating or falsely representing your affiliation with any person or entity. The Company owns all Content provided by users/consumers that are submitted or transmitted to the Site. You are entirely responsible for all Content that you provide or otherwise make available via the Site. You also warrant and represent that you own or otherwise control all of the rights to such Content including, without limitation, all the rights necessary for you to transmit such Content, and to transfer your or others’ interests in such Content to Clover Properties, LLC as provided below.
You promise that you will not use the Site to:
- Transmit any Content:
- not related to appropriate subject matters;
- which is misleading to others, including consumers, banks, investors;
- that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
- that you do not have a right to post and transmit under any law or under contractual relationships;
- such that such posting, uploading, or transmission constitutes the infringement of any patent, trademark, trade secret, copyright or other proprietary rights of any party;
- and materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or
- Intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law, including the Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act.
By transmitting Content to the Site, you grant, and you represent and warrant that you have the right to grant, to the Company an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute the Content and to prepare derivative works of, or incorporate into other works, the Content, and to grant and authorize sublicenses (through multiple tiers) of the foregoing. Furthermore, by posting Content to any public area of the Site, you grant the Company, its business partners and/or corporate affiliates all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content on the Site by any party for any purpose.
If you submit a loan application through the Company’s web site, you agree to cooperate in the application process, including submitting all required documentation in a timely manner, and as required, to promptly obtain information the Company’s affiliate mortgage partner may need from third parties to process your loan application such as your bank, employer, current mortgage company, etc. In addition, you agree to promptly notify EHT Company’s mortgage affiliate of any changes in any information submitted in connection with your loan application.
The Company will not be responsible or liable in any manner for matters or conditions beyond its control in your use of any part of the Site or in the Company providing any products or services, including, those that may be available through the Site. Such matters or conditions include, but are not limited to, acts of God, accidents, the elements, civil or public disturbance, failure of third parties to perform their obligations in a timely manner, your failure to provide required information or documentation in a timely manner, or the effect of any laws, orders, rules, regulations or restraints of any governmental body or authority. By way of example, the Company cannot and is not responsible for delays in loan processing, approval or closing due to: (i) the untimely receipt of an acceptable appraisal; (ii) the untimely receipt of required documentation; (iii) your existing home not selling; (iv) any matters disclosed by a title commitment or survey; or (v) any matters beyond the Company’s control.
User IDs and Passwords
Certain areas, Services or Content provided on the Site may be restricted to users who have obtained a user identification and password by completing a registration process. Please protect and maintain the confidentiality of your user identification, password or other identifying information that you may obtain in connection with your use of the Site. You agree to notify the Company immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of the Site by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of the Site that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
Application of Additional Terms
Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT, EXCEPT TO THE EXTENT PROHIBITED BY LAW: YOUR USE OF AND RELIANCE UPON ANY AND ALL OF THE SITE, SERVICES AND/OR CONTENT IS AT YOUR SOLE RISK AND IS MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS. CORNERSTONE MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF THE SITE, SERVICES, PRODUCTS AND/OR CONTENT. CLOVER PROPERTIES, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Limitation of Liability
EXCEPT TO THE EXTENT PROHIBITED BY LAW, IN NO EVENT SHALL CLOVER PROPERTIES, LLC OR ITS THIRD PARTY VENDORS BE LIABLE FOR ANY DIRECT, INDIRECT, ACTUAL, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CLOVER PROPERTIES, LLC OR SUCH THIRD PARTY VENDOR HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES, AND EVEN IF SUCH DAMAGES, LIABILITY, LOSSES DAMAGES, EXPENSES OR DEMANDS ARE CAUSED BY THE SOLE, CONCURRENT, COMPARATIVE OR JOINT NEGLIGENCE OF CLOVER PROPERTIES, LLC OR SUCH THIRD PARTY VENDOR. ANY SERVICES, CONTENT OR PRODUCT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE SITE, AND ALL OTHER USE OF THE SITE, IS DONE 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 THEREFROM. TO THE EXTENT THAT ANY PORTION OF THE EXCLUSION OR LIMITATION OF DAMAGES PROVIDED FOR HEREIN IS NOT ALLOWED IN AN APPLICABLE JURISDICTION, THE LIABILITY OF CLOVER PROPERTIES, LLC AND/OR SUCH THIRD PARTY VENDOR IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
IRS Circular 230 Disclosure
Clover Properties, LLC disclaims any U.S. federal tax advice contained in or furnished through email (including any attachments). Any reliance upon such tax advice cannot be used for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party any transaction or matter that is addressed, contained in or furnished through email (including any attachments).
Texas Real Estate Disclosure
Clover Properties, LLC disclaims any advice contained in or furnished through email by any of its associates (including any attachments) as acting as an attorney. Any reliance upon such advice or material is in the spirit of providing real estate advice as stipulated in Chapter 1101, Texas Occupations Code – The Real Estate License Act and Chapter 1102, Texas Occupations Code and should not be construed or used for the purpose of (i) substituting the advice and counsel of a Texas attorney.
All materials on the Site, as well as, the organization and layout of the Site are owned and copyrighted or licensed by Clover Properties, LLC, or its corporate affiliates or third-party vendors. No reproduction, distribution, or transmission of the copyrighted materials on the Site is permitted without the written permission of Clover Properties, LLC. Any rights not expressly granted herein are reserved.
Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to Clover Properties, LLC designated agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.
For further information or any questions, please contact our agent for Clover Properties, LLC:
Dave Howell, MS, LUTCF
CRO & Privacy Officer
Clover Properties, LLC
Helotes, Texas 78023