Terms of Use

YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS. CLICKING ONTO WEB PAGES BEYOND THE WEBSITE'S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.

Website Ownership

This website is owned and operated by Patriot Pacific Financial Corp, which is referred to below as "Company" or "we" or "us" or "our."

Permitted Use

You agree that:

Your use of this website is subject to and governed by these Terms of Use;
You will only access or use this website and transact business with us if you are at least 18 years old;
You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website;
Each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use; and
These Terms of Use are a legally binding agreement between you and our Company that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage related business with us as a bona fide client of our Company; you may not use or attempt to use this website or any part of this site for any purpose:

That interferes with or induces a breach of the contractual relationships between our Company and its employees;
That is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
That transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited communications;
That transmits any harmful or disabling computer codes or viruses;
That harvests email addresses from this site;
That interferes with our network services;
That attempts to gain unauthorized access to our network services;
That suggests an express or implied affiliation with our Company;
That impairs or limits our ability to operate this website or any other person's ability to access and use this website;
That unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
That dilutes or depreciates the name and reputation of our Company or any of our affiliates;
That transmits or uploads any content or images that infringes any third party's intellectual property rights or right of privacy; or
That unlawfully transmits or uploads any confidential, proprietary or trade secret information.

Access to This Website

We reserve the right, in our sole discretion and without notice to you, to deny your access to and use of this website.

Use of This Website

You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.

Intellectual Property Rights

The following marks appearing on this website, including, but not limited to: Patriot Pacific Financial Corp and the respective logos, emblems, and designs are trademarks and/or service marks of our Company. All other marks used on this website are the property of their respective owners.

You acknowledge and agree that all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and all rights associated with the Web Page Content are owned by our Company, its licensors, or content providers.

Linking

Not Responsible For Links to Other Websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, our Company does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products, or materials available at or through any websites to which this website may provide a link.

No Advertising / No Links: Our Company does not permit third-party advertising on our website. Except with our express written permission, you agree that you will not create links from any website or Web page to this website or any Web page within this website.

Revisions and Modifications

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website.

Location

You understand and acknowledge that our Company controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only.

Privacy and Security

For information on how our Company uses and protects the personal information that you may provide through this website, please visit our Security & Privacy Policy page.

Indemnification

If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify Patriot Pacific Financial Corp and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney's fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.

Disclaimers

THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, OUR COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.