Legal & Disclaimers

Copyright
All contents of this Web site are designed for Choice Mortgage Group, 2424 N Federal Highway, Suite #100, Boca Raton, FL, 33431, and are copyrighted © 1999-2010 to MORSystems™, 200 Clock Tower Place, Suite E-150 Carmel California 93923, U.S.A. All rights reserved worldwide.

Indemnity Statement
As a condition of use of this Web site, the User agrees to indemnify us and its suppliers from and against any and all liabilities, expenses (including attorneys’ and experts’ charges) and damages arising out of claims resulting from User’s use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

General
We reserve the right to make any and all changes to this Web site at its sole discretion without notice to the User.

This Agreement includes ail other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, this Agreement controls.

This Agreement is governed by the laws of our State. User consents to the exclusive jurisdiction and venue of the governing courts in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

Our performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of our right to comply with law enforcement requests or requirements relating to the User’s use of this Web site or information provided to or gathered from us with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, the invalid or unenforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire Agreement between the User and our company with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and our company with respect to this Web site. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to the Agreement to the same extent and subject to the same conditions as other business documents, and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.

Notice, Disclaimer and General Advice Warning

This website contains general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this information, you should assess your own circumstances or seek advice from, but not limited to, a financial adviser, accountant, attorney, or other applicable professional. You should obtain and consider a copy of the relevant Product Disclosure Statement (PDS) or offer document available from us or your financial adviser, before you acquire a financial product.

The content of this website is not intended to represent or be a substitute for specific taxation or legal advice and should not be relied on as such. If you intend to rely on any of the information in this website to satisfy liabilities or obligations or claim entitlements that arise, or could arise, under a taxation or other law, you should obtain advice from a registered tax agent or lawyer. Any taxation, legal and other matters referred to on this website are based on Choice Mortgage Group’s interpretation of existing laws and should not be relied upon in place of appropriate professional advice. Those laws may change from time to time.

Accuracy and reliability of information

While Choice Mortgage Group, has taken all reasonable care in producing the information on this website, Choice Mortgage Group, makes no representations in respect of, and, to the extent permitted by law, excludes all warranties in relation to, the accuracy or completeness of the information. Choice Mortgage Group, its officers, employees, directors and contractors exclude all liability whatsoever for any loss or damage, howsoever arising out of reliance, in whole or in part, on the information.

Copyright

Choice Mortgage Group owns copyright in the information contained in this website. Information may be printed or downloaded for personal use only. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or used in any way without the express approval of Choice Mortgage Group.

Links to other sites

We are not responsible for the content of any site owned by a third party that may be linked to the Choice Mortgage Group website, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any site that may be linked to the Choice Mortgage Group website. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organization sponsoring or owning the linked website.

Privacy policy

The Choice Mortgage Group is also available on this website – See “Privacy”.

Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer’s Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer’s meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at the number on the Home Page.

HUD FHA USDA VA Disclosure

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
For information directly from HUD/FHA, visit http://www.hudclips.com
For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/
For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS

Changes

The Choice Mortgage Group, may vary this disclaimer at any time. Your continued use of the website constitutes your acceptance of the disclaimer as amended.

Governing law

The use of this website and the provision of such facilities, products and services will be governed by the laws of the State of Florida.

Trade marks

Any trade mark displayed on this site remains the property of the legal owner in accordance with their rights of use. Access to, downloading from or otherwise copying from this site does not grant a license or right to use any party’s trade mark or transfer title to any material on this site. Choice Mortgage Group, group reserves all rights with respect to copyright and trade mark ownership of all material on the website. Choice Mortgage Group, will enforce such rights to the full extent possible under applicable law.  The Choice Mortgage Group Logo®, is registered trademarks of Choice Mortgage Group.