Reverse Mortgage Resources
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Terms of Use
Legal Notices
Please Read These Terms Carefully Before Using This Site
Genworth Financial Home Equity Access, Inc. (GFHEA) provides this website (the "Site"), subject to the following Terms and Conditions of Use, which may be updated by us from time to time without notice. This Site provides you with certain services, including but not limited to, access to information about Reverse Mortgages. Use of this Site and the services are subject to the Terms and Conditions of Use and all applicable laws. By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms and Conditions of Use.
PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS AND USE OF THIS WEBSITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.
Limited License
Subject to the terms and conditions set forth in this Agreement, GFHEA grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. GFHEA authorizes you to view and download the information ("Materials") at this Site only for your individual use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose (other than for your own benefit); and 3) you must not transfer the Materials to any other person. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.
No Professional Advice
The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances. ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS SITE SHOULD BE EVALUATED IN CONSULTATION WITH A LEGAL, ACCOUNTING, TAX, INVESTMENT OR OTHER FINANCIAL SPECIALIST.
Copyrights/Trademarks
You agree to comply with all worldwide copyright, trademark and intellectual property laws and treaty provisions in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, GFHEA does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
DISCLAIMER
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (1) YOUR USE OF THIS SITE AND THE SERVICES AND MATERIALS PROVIDED AT THE SITE ARE AT YOUR SOLE RISK, AND (2) THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. GFHEA DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIAL OR ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK.
GFHEA RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WE USE REASONABLE EFFORTS TO PROVIDE YOU WITH ACCURATE INFORMATION. WE RESERVE THE RIGHT, HOWEVER, TO MAKE CORRECTIONS AND/OR CHANGES SHOULD THIS INFORMATION PROVE TO BE INACCURATE. GFHEA MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.
THIS SITE, THE SERVICES, INFORMATION AND MATERIALS ON THE SITE AS WELL AS ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.
SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES. THEREFORE SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT GFHEA WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO USE THE SITE, THE SERVICES, OR MATERIALS, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE, THE SERVICES OR MATERIALS. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU.
Third Party Sites
As a convenience to you, GFHEA may provide, on this site, links to websites operated by other entities. If you use these sites, you will leave this site. If you decide to visit any linked site, you do so at your own risk, subject to that site's terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. GFHEA makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that GFHEA endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Genworth Financial.
External Links to the Site
All link to the Site must be approved in writing by GFHEA, except that GFHEA consents to links in which: (i) the link is a text-only link containing only the name of the website, (ii) the link "points" only to the website homepage and not to deeper pages: (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a "frame" on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by GFHEA nor be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of Genworth Financial. GFHEA reserves the right to revoke this consent to link at any time in its sole discretion.
Viruses
There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. GFHEA is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not GFHEA, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
Information Provided By You
In order to use certain Services on this Site, you may have to provide information. You agree to provide true, accurate and current information about yourself as prompted by the forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if GFHEA has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, GFHEA, in its sole discretion, has the right to suspend or terminate your access to the Site, where applicable. Further, you agree that GFHEA will not be liable to you or any third party if GFHEA terminates your access to the Site, and the Services or Materials thereon, for any reason.
Except for the information you submit during the form submission process or during the use of any other service offered through this Site (the "Permitted Information"), GFHEA does not want you to, and you should not, send any confidential or proprietary information to GFHEA via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to GFHEA other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to GFHEA, you grant to GFHEA an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that GFHEA is free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to GFHEA. You further recognize that GFHEA does not want you to, and you warrant that you shall not, provide any information or materials to GFHEA that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
GFHEA will use the Permitted Information in accordance with the Privacy Policy posted on this Site.
Notices
Notices from GFHEA to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of GFHEA, unless otherwise required by law or contract.
General Terms
GFHEA reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.
GFHEA may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. GFHEA may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. GFHEA may terminate the authorization, rights and license given above.
The Terms and Conditions of Use constitute the entire agreement between GFHEA and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.
International Users and Choice of Law
This Site is controlled, operated and administered by GFHEA from its offices within the United States of America. GFHEA makes no representation that materials at this Site are appropriate or available for use at other locations outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U.S. export laws and regulations. If you access this Site from a location outside the United States, you are responsible for compliance with all local laws.
This Agreement constitutes the entire agreement between GFHEA and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.
Governing Law
These Terms and Conditions of Use shall be governed by the laws of the State of New York, United States of America, without giving effect to its conflict of laws provisions.
Legal Notice
The material on this website is for informational purposes only and it covers a variety of topics on Reverse Mortgages. Although some of the information involves tax, legal, accounting or similar issues, GFHEA is not in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or eligibility aspects of any information presented on this website and how they may affect your particular situation.
THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY GFHEA TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.
The products and services described on this website:
• are available only to consumers in the United States of America unless otherwise specifically noted;
• may not be available in all states of the USA; and
• are subject to all applicable laws and regulations.
The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described.
Copyright Notice.
Except as otherwise noted on this website, the contents of this website are copyrighted ©2010 by GFHEA. All rights are reserved. No part of the materials on this website, including website text, graphics and html code, may be reproduced or transmitted in any form by any means without the express written consent of GFHEA.
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