Terms of Use

(“Terms”)

Terms of Use

BY ACCESSING THIS WEBSITE, MOBILE SITE, ONLINE PREAPPROVAL REQUEST, APPLICATION FORM, OR OTHER WEB OR MOBILE-BASED SERVICES PROVIDED BY STOCKTON MORTGAGE CORPORATION (THE “SERVICES”), YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, AS THE SAME MAY BE UPDATED OR AMENDED FROM TIME TO TIME.

Disclaimer Regarding Web and Mobile Content; No Warranty or Guaranty

The information provided on Stockton web and mobile sites is for general informational purposes only. The Services are intended to provide users with information about and the products and services Stockton offers. All content and materials on these sites are subject to change without notice. Nothing on these sites or in the Services should be construed as a commitment to lend or an offer of any specific rate or term for a mortgage product. Rates and terms advertised on these sites are subject to change and may differ as a result of individual borrower credit profiles, financial profiles, geographic location, or government or investor requirements. The content, materials and information in the Services are deemed to be reasonably accurate at the time of publishing, but Stockton makes no warranty or guaranty of any kind regarding the reliability or accuracy of the same. The Services and all related information, functions and features are offered “as-is.” Stockton disclaims all warranties and guaranties regarding the Services, including warranties of merchantability, warranties of fitness for a particular purpose, and warranties of any other kind, express or implied. You acknowledge and agree that Stockton is not responsible for, and assumes no liability for, any defects that may exist in this website, any result or consequence related directly or indirectly to any action or inaction that you may take based on the Services or related information, or access to or operability of the Services.

Limited Revocable License; Use of Services

Stockton grants a limited and revocable non-exclusive license to you to use the Services on these sites for personal use, subject to your compliance with these Terms. These Terms do not grant you any license to reproduce, distribute, display or otherwise utilize any portion of the Services for any commercial purpose or on any third-party website or media. This limited license does not include any derivative use of the Services, including any downloading or copying of account information for the benefit of a third party, data scraping, data mining, or other tools used for the purpose of data compilation or extraction. By using these Services you agree not to reproduce, duplicate, modify, decompile, reverse-engineer, copy, sell, resell or otherwise exploit any portion of these Services for any commercial purpose.

Intellectual Property

The Services are owned and operated by Stockton. The interfaces, designs, information, data, code, products, software, graphics, modules, digital user experiences, and other elements of the Services are protected by intellectual property laws, and are the property of Stockton or its third-party licensors. Except as expressly allowed by these Terms of Use, you may not make use of Stockton’s intellectual property and Stockton reserves all rights not expressly granted in these Terms of Use.

License to Furnished User Information

If you transmit, submit, store, or upload information, data, images, files, videos and/or text
(“User Information”) through our web or mobile sites, or otherwise through the Services, you grant Stockton and its assigns an irrevocable, perpetual, worldwide, royalty-free, exclusive license to use, copy, distribute, transmit, display, re-produce, edit, modify, format, adapt, publish, prepare derivative works from, and/or incorporate such User Information into any media whatsoever, to the extent permitted by applicable law.

Termination or Suspension

If you violate any provision of these Terms of Use, Stockton may, in its sole and unfettered discretion, terminate your access to the Services at any time for any reason, with or without notice. Stockton may alter, suspend or discontinue the Services or any portion of the Services with or without notice. You agree that Stockton bears no liability for any change to the Services or any suspension or termination of your access to the Services.

Indemnification

You agree to indemnify, defend, and hold harmless Stockton and its directors, officers, employees, and agents from any and all claims and demands made by any third party due to or arising out of: (a) your access to or use of the Services; (b) your breach of these Terms of Use; (c) your violation of any law or the rights of a third party; (d) any dispute or issue between you and any third party regarding your use of the Services or any related information or materials; (e) any User Information you upload to, or otherwise make available through, the Services. Stockton reserves the right to assume the exclusive defense and control of any matter brought against you subject to indemnification by you in connection with your use of the Services, and you agree to cooperate with Stockton’s defense of any such claim.

Choice of Law

These Terms of Use are governed by the laws of the Commonwealth of Kentucky, without giving effect to the conflict of law provisions therein. You agree to submit to personal jurisdiction and venue in the state and/or federal courts of Franklin County, Kentucky for any and all disputes, claims and actions arising out of or in connection with these Terms or your use of the Services.

Electronic Communications

By utilizing the Services and accepting these Terms, you are communicating with us electronically and you consent to receiving communications from us electronically. Although we may communicate with you telephonically or by postal mail, we may choose to communicate with you electronically by email or by posting information or notices in these Terms, on our web or mobile sites, or elsewhere electronically within or through the Services. In order to use these Services, your device will need to meet certain minimum capabilities, including the ability to access the internet and to view and open PDF files via Adobe Acrobat Reader or another PDF viewer. By accepting these Terms, you agree that any notices, disclosures or other communications that we provide to you electronically shall satisfy any legal requirement concerning electronic disclosures, including that those communications be in writing. Should you wish to withdraw your consent to the receipt of disclosures or other information electronically, or for more information regarding electronic disclosures, please contact Legal@Stockton.com.

Services Not Intended for Use by Minors

The Services are intended to be accessed and used only by adults and are not directed to minors.