Terms of Service

TERMS OF SERVICE

Terms of Use

October 1, 2017

Welcome to www.pmicalculators.com (the “Website”). These Terms of Service define the terms, conditions, and notices under which we provide www.pmicalculators.com website and blog (collectively “pmicalculators”) to you without charge as a convenience and for your information only. The following terms of use (“Terms of Use”) govern your use of the Website/s. It is vitally important that you read the Terms of Use carefully as your use of the Website and the services and goods provided through our Website will constitute your agreement to be legally bound by the terms and conditions set forth in these Terms of Use.

If for any reason you do not agree to these Terms of Use in their entirety, you may not use the Website or the services provided by the Website.

We may amend these Terms of Use from time to time. If you continue to use the Website and/or the services provided by the Website after the amendments become effective, you are deemed to have agreed to be bound by the Terms of Use as amended. If you do not agree to the amended Terms of Use, then you agree not to use the Website and the services provided by the Website.

To use this Website and the services, you must be of legal age to enter into a binding contract and not be prohibited from using the Website or the services by the laws of the jurisdiction from which you access the Website or the services.

  1. Our Service.  PMICalculators may provide various content related to private mortgage insurance, mortgages, including mortgage rates, refinancing, and mortgage calculators, and connects site users with service providers. PMICalculators owns and retains all intellectual property rights in the website and the content. While PMICalculators is not required to screen content accessible through links on the Website, PMICalculators reserves the right to do so and to remove any such links at any time. PMICalculators may provide reports and information, including estimated home values, using an automated valuation model.  It is not a market value appraisal or broker home value price opinion of subject properties and may not be relied upon as such.  These estimated home values can’t capture all current market trends or be used in lieu of a full real estate appraisal. These conditions and other local “on the ground” differences can sometimes affect the estimated value.  The results and other information provided in the reports are provided on an “as is, as available” basis with all faults and defects. To obtain a more accurate home valuation estimates, please contact a local real estate appraiser or work with a local real estate agent for other valuation opinions.
  2. Use of the Services. The information contained within this Website is intended for consumer and informational use only. You agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit the Services for any commercial purpose.  Website users shall not acquire any proprietary rights, including intellectual property rights, in or to the reports, or the information contained therein, which rights remain solely and exclusively with PMICalculators, or its suppliers and licensors.

Your use of the Website is subject to all applicable laws and regulations. You acknowledge and agree to all of the-then current terms of our privacy policy as set forth on the Website and as updated from time to time by PMICalculators in its sole discretion.

You are solely responsible for the products or services you may use through the Website. By providing links to other sites, PMICalculators does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to PMICalculators.

You must not: (a) directly or indirectly, interfere or attempt to interfere with the proper working of the Website, any account, or any communication or transaction being conducted on our Website; (b) use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content on the Website without our prior expressed written permission; (c) take any action which imposes an unreasonable or disproportionately large load on our infrastructure, (d) use or disclose any confidential information you obtain from the Website, (e) conduct fraud, hide or attempt to hide your identity, represent yourself as someone else, use a false email address, compromise or attempt to compromise the security of any account, interfere or attempt to interfere with the proper working of the Website, or (f) send any unsolicited e-mail or advertising to any known user.

  1. Content You Submit.By posting or submitting content on or to the Website, including, without limitation, commentary, reviews, testimonials, feedback and messages on our blog (regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you grant the Website, its affiliates, agents and third party contractors a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, adapt, modify, translate, display, publish, publicly perform, publicly display and distribute any content you submit, post or display through the Website. You agree that any content you submit may be republished anywhere on our Website without your prior consent, including, but not limited to, our monthly newsletter and blog. Your content may also be referenced in other publications and marketing materials not affiliated with the Website. You shall be solely responsible for your own submissions and the consequences of posting or publishing them. In connection with each of your submissions, you affirm, represent, and/or warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the above license to the Website. You agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to or infringes or misappropriates third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant the Website all of the rights granted herein; (ii)publish falsehoods or misrepresentations; (iii) use the Service for any illegal purpose or submit material that is unlawful, obscene, harmful, tortuous, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (iv) post personal identity information such as credit card numbers, or (v) post advertisements or solicitations, including income opportunities, unless you have received our prior express written consent. The Website reserves the right to remove or not publish submissions without prior notice.

If you are a copyright owner or agent thereof and believe that Website content infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. – 512(c)) to our Contact Us link with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

  1. Links.  PMICalculators and its affiliates provide links to external websites or resources to sign up for products and services provided by third parties, or for your convenience and reference. The Website and its affiliates do not endorse and are not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the owners or operators of these external websites or resources are at your own risk. You cannot make any claim against PMICalculators, the Website, or its affiliates arising out of your use of external websites or resources.
  2. Disclaimer of Warranties. YOU EXPRESSLY AGREE THAT ALL CONTENT AND SERVICES PROVIDED ON OR THROUGH THIS WEBSITE ARE PROVIDED .AS IS. AND .AS AVAILABLE. FOR YOUR USE. THE WEBSITE 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, TITLE, AND NON-INFRINGEMENT. NEITHER PMICALCULATORS, ITS AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE CONTENT AND SERVICE ARE ACCURATE, RELIABLE OR CORRECT; THAT THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE CONTENT OR SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT YOUR INFORMATION WILL BE KEPT PRIVATE AND CONFIDENTIAL (EXCEPT AS SET FORTH IN PMICALCULATORS’ PRIVACY POLICY). YOUR USE OF THIS WEBSITE IS SOLELY AT YOUR OWN RISK. FOR THE AVOIDANCE OF DOUBT, PMICALCULATORS WILL BEAR NO LIABILITY FOR ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIALS DISPLAYED, PURCHASED OR OBTAINED BY YOU IN CONNECTION WITH THE SERVICE. FURTHERMORE, PMICALCULATORS DOES NOT ENDORSE, WARRANT OR GUARANTEE THE PRODUCTS OR SERVICES OF ANY OF ITS PARTNERS OR PROVIDERS LINKED TO ON THE WEBSITE.
  3. Limitation of Liability. PMICALCULATORS AND ITS DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, AFFILIATES, SUCCESSORS AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR INFORMATION, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, IDENTITY THEFT, OR OTHER INTANGIBLE, EVEN IF PMICALCULATORS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. COLLECTIVE MAXIMUM LIABILITY TO YOU UNDER OR RELATED TO THESE TERMS OF USE SHALL IN NO EVENT EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT.
  4. Indemnification. You agree to indemnify and hold PMICalculators, the Website, its affiliates, officers, directors, employees, partners, representatives, contractors, successors and assigns harmless from any claim or demand, including attorneys’ fees, arising out of your use of the Website or the Service or your violation of our Terms of Use, or the infringement by you, or any other subscriber of your message board account, of any intellectual property or other right of any person or entity.
  5. Termination. If you breach any provision of the Terms of Use, you may no longer use the Website. You may cease using the Website at any time. PMICalculators may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, the Service or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. If PMICalculators terminates the Terms of Use for any reason, the Terms of Use will continue to apply and bind you with respect to your prior use of the Service. Upon termination, PMICalculators may remove from the Website and permanently delete and destroy any content that you or others may have posted or submitted without any prior notice or liability to you or any other person.
  6. Miscellaneous. Nothing in these Terms of Use is intended to or will create any form of partnership, joint venture, agency, or employment relationship between the parties. You may not assign these Terms of Use. These Terms of Use shall inure to the benefit of and be binding upon you and PMICalculators and your and our respective successors and permitted assigns. The failure of either party to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by such party in writing. If a court of competent jurisdiction declares any provision of these Terms of Use to be invalid or unenforceable, the remainder of these Terms of Use will continue in full force and effect. These Terms of Use shall be construed in accordance with the laws of the State of Massachusetts, without giving effect to its conflict of law’s provisions. You and PMICalculators agree to submit to the exclusive jurisdiction of the state courts located in Middlesex County, Massachusetts and the federal courts located in Massachusetts, with respect to disputes hereunder. The following sections shall survive termination of the Terms of Use: 4, 5, 6, 7, 8 and 9. These Terms of Use constitute the entire agreement between you and PMICalculators relating to the subject matter hereof and supersede all prior agreements relating to the subject matter hereof.