The Mortgage M Web site is comprised of various Web pages operated by National Association of Mortgage Professionals. The NAMP.org and TheMortgageM Web sites are offered conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the NAMP Web Sites constitutes your agreement to all such terms, conditions, and notices.
NON-COMMERCIAL USE LIMITATION: Access to content is provided for non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the NAMP Web sites.
DOING BUSINESS ON THE INTERNET: You acknowledge and agree that electronic communications and databases are subject to errors, tampering and break-ins and that, notwithstanding the efforts of NAMP to implement reasonable security precautions, NAMP does not guarantee or warrant that such events will not take place. You agree to follow all access and security procedures provided from time to time by NAMP, and you will not attempt, nor will you aid or abet any other person in any attempt, to circumvent or otherwise interfere in any way with any security precautions or measures of NAMP.
COPYRIGHT, PROPRIETARY RIGHTS, AND TRADEMARK NOTICES: All content except for reference materials in the public domain, all materials on the Web sites are owned and copyrighted by NAMP or its suppliers. © Copyright 2007 National Association of Mortgage Professionals. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at the sites is permitted without the written permission of NAMP.
TRADEMARKS: The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT: Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.
ARBITRATION: By accessing the Web sites and using the information therein available and/or by purchasing any products or services made available through the NAMP sites, you agree with NAMP, its service providers, their affiliates, parents, subsidiaries and any other content provider or offer or of goods or services on this site or through any other associated activity, that any claim or dispute, you may have against or with any of these persons or entities, whether related to the purchase or to the content, including the enforceability of this arbitration clause, and whether under a statute, in contract, tort, or otherwise and whether for money damages, or declaratory or equitable relief, shall be resolved by binding arbitration before a single arbitrator under the Commercial Arbitration Rules of the American Arbitration Association. Any arbitration hearing at which you appear will take place within the District of Columbia, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have no power or authority to make any award that provides for punitive or exemplary damages. Each party shall bear its own costs in connection with any arbitration proceedings. The parties shall equally share the fees of the arbitration and the arbitrator. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA"). The arbitrator shall follow existing substantive law of the District of Columbia, without regard to its choice or conflict of laws provisions, to the extent consistent with the FAA, and applicable statutes of limitations and shall honor any claims or privilege recognized by law. If any party requests, the arbitrator shall write an opinion containing the reasons for the award. NO CLAIM SUBMITTED TO ARBITRATION IS HEARD BY A JURY, AND NO CLAIM MAY BE BROUGHT AS A CLASS ACTION OR AS A PRIVATE ATTORNEY GENERAL. You do not have the right to act as a class representative or participate as a member of a class of claimants with respect to any Claim. This Arbitration Section applies to all claims now in existence or that may arise and shall survive the termination of any dealings with us.
For the purposes of this Arbitration Section, "we" and "us" means NAMP, its parent, subsidiaries, affiliates, licensees or sublicensees, predecessors, successors, assigns and all of their officers, directors, employees, agents and assigns or any and all of them. Additionally, "we" or "us" shall mean any third party providing benefits, services, or products in connection with the Web sites and all of their officers, directors, employees and agents if, and only if, such a third party is named by you as a co-defendant in any claim you assert against us.
If any part of this Arbitration Section is found to be invalid or unenforceable under any law or statute consistent with the FAA, the remainder of this Arbitration Section shall be enforceable without regard to such invalidity or unenforceability.
THE RESULT OF THIS ARBITRATION SECTION IS THAT CLAIMS CANNOT BE LITIGATED IN COURT, INCLUDING SOME CLAIMS THAT COULD HAVE BEEN TRIED BEFORE A JURY, AS CLASS ACTIONS OR AS PRIVATE ATTORNEY GENERAL ACTIONS.
The following guidelines have been established by NAMP to govern various aspects of advertising. For these purposes, "Advertising and Advertisements" include banner, badge, contextual advertising, sponsorship content, and promotions. These regulations govern issues such as acceptance of advertisements and promotions by NAMP, the manner of display of advertisements and promotions on the NAMP sites, and the removal of advertisements and promotions from the NAMP sites. Labeling of sponsored content is governed by our sponsor policy. NAMP has sole and absolute discretion with respect to interpretation and enforcement of this policy and all other issues associated with advertising on the NAMP sites. NAMP may change this policy at any time in its sole discretion by posting a revised policy to the NAMP sites.
NAMP has sole discretion for determining the types of advertising that will be accepted and displayed on the NAMP sites, and under no circumstances shall NAMP's acceptance of any advertisement be considered an endorsement of the product(s) and/or service(s) advertised or for the company that manufactures, distributes, or promotes such product(s) or service(s).
NAMP will not accept advertising that, in NAMP's opinion, is not factually accurate and in good taste. NAMP will not permit at any time the placement of any advertising for illegal or objectionable products. Advertising must not contain fraudulent, deceptive, or offensive material, including material that misrepresents, ridicules, or attacks an individual or group on the basis of age, color, national origin, race, religion, sex, sexual orientation, or handicap.
Advertising must not be related to any of the following: alcohol, firearms, ammunition, fireworks, gambling, pornography, tobacco, or the simulation of news or an emergency.
Advertisers must only offer products or services, which are readily available for purchase at the advertised price (with noted tax and delivery fees). The advertising must also clearly identify the advertiser. Any advertising that could be misconstrued as editorial content will be clearly labeled as Advertising.
NAMP recognizes and maintains a distinct separation between advertising content and editorial and decision-making content. All advertising content on the NAMP sites shall be clearly and unambiguously identified as such, and NAMP will not run any advertising on the NAMP sites that is not so identified. Clicking on the ad will link you to an advertiser's site, to relevant information on NAMP, or to a sponsorship on NAMP. Sponsorships are labeled as being sponsored and the name of the sponsoring entity is displayed. See Sponsorships for more information.
NAMP retains the exclusive right to determine the way in which any and all search results for specific information by keyword or topic are displayed on the NAMP sites. NAMP search results are not influenced based on monetary incentives provided by Advertisers or Sponsors. As described in "What is a Sponsored Link" in connection with the sponsored links served by Google, these "Sponsored Links" are listings that have been purchased by companies that want to have links to their sites appear adjacent to search results in response to specific terms. NAMP may receive payment from Google in connection with displaying such sponsored link results. Content listed in search results is displayed with its source e.g. "NAMP News." If Sponsoreships appears in the displayed search results, it is labeled as "Sponsored" so that users can make informed decisions about the content they wish to view. In addition, NAMP provides a separate area on the search results page labeled "From Our Sponsors" in which sponsors and advertisers may purchase space to list their content or advertising. See Sponsorships for more information.
NAMP reserves the right to reject, cancel, or remove at any time any advertising from the NAMP sites for any reason and will provide prompt notice to the advertiser upon rejection, cancellation, or removal of any advertising, together with an explanation following the rejection, cancellation, or removal. NAMP also reserves the right to determine the appropriate placement of the Advertising on the NAMP sites.
It is the responsibility of the Advertiser to comply with all applicable domestic and foreign laws, including applicable laws and regulations of regulatory bodies. NAMP will not monitor compliance with applicable laws and regulations. However, NAMP reserves the right to review all advertising for compliance with applicable laws and regulations and, if NAMP becomes aware of any breach or potential breach of any applicable law or regulation or of these guidelines, NAMP may remove the advertising.
No advertising shall be permitted which may injure the good name or reputation of NAMP or the NAMP sites.