MLG Media Z Web Site Agreement
The MyLoanGuide.net Web Site (the "Site") is an online information service provided by MLG Media Z
("MyLoanGuide.net"), subject to your compliance with the terms and conditions set forth below. PLEASE READ THIS
DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY
THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY
NOT ACCESS OR USE THE SITE. MyLoanGuide.net MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL
BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT
PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED
YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.
1. Copyright, Licenses and Idea Submissions.
The entire contents of the Site are protected by international copyright and trademark laws. The owner of the
copyrights and trademarks are MyLoanGuide.net, its affiliates or other third party licensors. YOU MAY NOT
MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE
SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the
different areas of the Site solely for your own non-commercial use provided that you agree not to change or
delete any copyright or proprietary notices from the materials. You agree to grant to MyLoanGuide.net a
non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce,
distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other
information (including, without limitation, ideas contained therein for new or improved products and services)
you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to
MyLoanGuide.net by all means and in any media now known or hereafter developed. You also grant to
MyLoanGuide.net the right to use your name in connection with the submitted materials and other information as
well as in connection with all advertising, marketing and promotional material related thereto. You agree that
you shall have no recourse against MyLoanGuide.net for any alleged or actual infringement or misappropriation
of any proprietary right in your communications to MyLoanGuide.net.
Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or
servicemarks of MyLoanGuide.net. Other product and company names mentioned in the Site may be the trademarks of
their respective owners.
2. Use of the Site.
You understand that, except for information, products or services clearly identified as being supplied by
MyLoanGuide.net, MyLoanGuide.net does not operate, control or endorse any information, products or services on
the Internet in any way. Except for MyLoanGuide.net- identified information, products or services, all
information, products and services offered through the Site or on the Internet generally are offered by third
parties, that are not affiliated with MyLoanGuide.net. You also understand that MyLoanGuide.net cannot and does
not guarantee or warrant that files available for downloading through the Site will be free of infection or
viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are
responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for
accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of
any lost data.
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. MyLoanGuide.net PROVIDES
THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS
OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED
WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE
INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND MyLoanGuide.net SHALL NOT
BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY
YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES,
MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. MyLoanGuide.net
DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE
YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE
SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. MyLoanGuide.net
HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.
LIMITATION OF LIABILITY
IN NO EVENT WILL MyLoanGuide.net BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES
(INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR
INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR
TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR
SERVICE. EVEN IF MyLoanGuide.net OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR
MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR
LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN
SUCH STATES, MyLoanGuide.net LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
MyLoanGuide.net makes no representations whatsoever about any other web site which you may access through
this one or which may link to this Site. When you access a non-MyLoanGuide.net web site, please understand that
it is independent from MyLoanGuide.net, and that MyLoanGuide.net has no control over the content on that web
site. In addition, a link to a MyLoanGuide.net web site does not mean that MyLoanGuide.net endorses or accepts
any responsibility for the content, or the use, of such web site.
You agree to indemnify, defend and hold harmless MyLoanGuide.net, its officers, directors, employees, agents,
licensors, suppliers and any third party information providers to the Service from and against all losses,
expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this
Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.
4. Third Party Rights.
The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of
MyLoanGuide.net and its officers, directors, employees, agents, licensors, suppliers, and any third party
information providers to the Service. Each of these individuals or entities shall have the right to assert and
enforce those provisions directly against you on its own behalf.
This Agreement may be terminated by either party without notice at any time for any reason. The provisions of
paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third
Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.
This Agreement shall all be governed and construed in accordance with the laws of The United States of
America applicable to agreements made and to be performed in The United States of America. You agree that any
legal action or proceeding between MyLoanGuide.net and you for any purpose concerning this Agreement or the
parties' obligations hereunder shall be brought exclusively in a federal or state court of competent
jurisdiction sitting in The United States of America . Any cause of action or claim you may have with respect
to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or
cause of action is barred. MyLoanGuide.net's failure to insist upon or enforce strict performance of any
provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of
conduct between the parties nor trade practice shall act to modify any provision of this Agreement.
MyLoanGuide.net may assign its rights and duties under this Agreement to any party at any time without notice
Your privacy is very important to us. Here we provide you with information about our privacy policies. W
hat types of personal information we receive and collect when you use and visit
MyLoanGuide.net, and how we safeguard your information. We never sell your personal information to third
parties. The information we collect to learn best how to make this site better for our
As with most other websites on the internet, we collect
and use the data contained in the log files of our servers. The information does not tell us who you are, but
it does include your internet protocol (IP) address, your internet service provider (ISP, such as AOL or Time
Warner Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you
visited our site and which pages you visited throughout our site.
Cookies and Web Beacons
We do use a common logging tool called "cookies" to store information. This is how web sites "remember you," like
when they remember your personal preferences when you visit a site repeatedly. This could include only showing you
a popup once in your visit, or the ability to login to some of our features, such as forums.
Third Party Advertisements
We also use third party advertisements to support our site. These
ads often come from large reputable companies. Some of these advertisers may use technology such as cookies and web
beacons when they advertise on our site. When they use these technologies, these advertisers may also receive
information about your visit including your IP address, your ISP , the browser you used to visit our site, and in
some cases, whether you have Flash extensions installed.
These reputable companies, as Google advertisements through the Google AdSense program may use this information
for geotargeting purposes: like show a Florist Flower Ad to someone in New York for example. Also they can
show certain ads based on specific sites visited like showing soccer ads to someone who frequents soccer
If you don't like it, you can easily choose to disable it or selectively turn off our cookies or
third-party cookies in your browser settings. You can also manage preferences in programs such as Norton Internet
Security. However, you need to understand that this can affect how you are able to interact with our site (as well
as other websites.) This could include the inability to login to services or programs, such as logging into forums
Any rights not expressly granted herein are reserved.
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