In this Terms & Conditions of Use Agreement, “We”, “Our” or “Us” refers to Chicago Mortgage Solutions LLC d/b/a ZeroMortgage, and its affiliates (NMLS #7872). ZeroMortgage and affiliates provide services and use of the site ZeroMortgage.com to you subject to the following terms and conditions.

PLEASE READ THE ENTIRE TERMS & CONDITIONS OF USE CAREFULLY BEFORE YOU USE ANY PART OF THIS WEBSITE. IF YOU DO NOT AGREE TO ALL THE TERMS & CONDITIONS SET FORTH HEREIN YOU MAY NOT USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES. BY USING THIS WEBSITE OR ITS FEATURES OR SERVICES, YOU ARE DEEMED TO HAVE ACCEPTED THESE TERMS & CONDITIONS OF USE IN THEIR ENTIRETY.

YOU MUST BE A U.S. RESIDENT AND BE AT LEAST 18 YEARS OLD TO USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES.

Effective Date: This Terms & Conditions of Use Agreement was last updated Jan 2020.

This Terms & Conditions of Use Agreement (“Agreement”) sets forth the website use guidelines and standards of use of ZeroMortgage.com for Users and/or Members. Members of ZeroMortgage.com must agree to abide by these terms and conditions upon website registration and prior to any mortgage loan application submission. By using the ZeroMortgage.com website you (as a “User” or a “Member”) agree to these terms and conditions. A “User” is defined as an unregistered visitor to the website (which means that you simply browse the ZeroMortgage.com website, including through a mobile device or otherwise attempt to use ZeroMortgage.com without being a registered Member and have access to various ZeroMortgage.com tools, loan calculators, amortization tools, credit reporting tools, etc.). A User is different from a Member, whereas a “Member” has registered to establish an account on ZeroMortgage.com with all attending privileges including the application and submission for a mortgage loan. Certain areas or features of this website may be restricted to Members who have obtained an ID and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any information you may obtain in connection with your use of this website. You agree to notify ZeroMortgage.com immediately if you believe your ID, password or other identifying information has been lost, stolen or otherwise compromised. If you do not agree to the terms and conditions of this Agreement, you should immediately discontinue use or viewing of this website. If you wish to become a Member and/or make use of ZeroMortgage.com features or services, you must read this Agreement and indicate your acceptance of the same during the registration process. We reserve the right, at any time, to modify, alter, or update the terms and conditions of this Agreement without prior notice. Modifications shall become effective immediately upon being posted at ZeroMortgage.com website. Your continued use of the ZeroMortgage.com website after amendments are posted constitutes acknowledgement and acceptance of the terms & conditions of use and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

1) Description of Service – Limited Use License Agreement

ZeroMortgage operates ZeroMortgage.com, which is an online mortgage services company which provides detailed information on mortgage loans and provides a simple proprietary interface whereby members can apply for mortgage loan lending products. ZeroMortgage.com provides a secure online application process, with bank grade security SSL certificates with extended validation and encrypted databases, for the transfer of loan application documents, instructions and messages back and forth between authorized signing agents, lenders and approved users. ZeroMortgage.com requires Members to create an online account and profile in order to request or use such services. With the combination of services provided by ZeroMortgage.com we are able to provide our clients with not just a national solution but a national competitive advantage for all your mortgage lending needs.

2) Proprietary Rights to Content

You acknowledge and agree that this website contains information, data, software, photographs, graphics, text, images, logos, icons, typefaces, audio and video material, and/or other material (collectively referred to as “Content”) protected by copyrights, trademarks, patents, service marks, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now or hereinafter developed.

3) Disclaimers

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED BY ZeroMortgage ON AN “AS IS” AND ON AN “AS AVAILABLE” BASIS ONLY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ZeroMortgage MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE USE OR THE RESULTS OF THIS WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE ZeroMortgage SHALL HAVE NO LIABILITY FOR ANY INTERRUPTIONS IN THE USE OF THIS WEBSITE. IN ADDITION, ZeroMortgage DOES NOT WARRANT OR REPRESENT THE FOLLOWING: (1) THE SITE WILL MEET YOUR REQUIREMENTS, (2) THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR FREE, (3) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, (4) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION, OR OTHER MATERIALS OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, (5) THE SERVER THAT MAKES THE SITE AVAILABLE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; OR (6) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSS OR DAMAGE INCURRED, INCLUDING BUT NOT LIMITED TO, DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. YOU (AND NOT US OR ANY OF ZeroMortgage COMPANY’S AFFILIATED COMPANIES OR ANY OF OUR OR THEIR RESPECTIVE LICENSORS OR VENDORS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION FOR ANY SUCH DAMAGE.

4) Limitation of Liability

ZeroMortgage COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR ZeroMortgage SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST INCOME, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE USE OR THE INABILITY TO USE THIS WEB SITE OR THE INFORMATION CONTAINED IN IT, OR FOR THE 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 SITE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OF DATA PROVIDED ON THE SITE BY YOU, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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