• Terms Of Uses Of The Website And All Use Agreement For All Service
• Consumer Information Security Policy
• Mortgage Loan Request Services
  • Terms Applicable to All Mortgage Loan Request Services
  • BorrowMoney Loan Request Service
• Non-Mortgage Loan Request Services
  • Terms Applicable to All Non-Mortgage Loan Request Services
  • Additional Terms Applicable to Auto Loan Request Services
  • All Additional Terms Applicable to Credit Card, Personal Loan and Commercial Loan Request Services
• Request for other Service and Products
  • Terms Applicable to All Requests for other Service and Products
• Realty Services
• Copyright, Trademark and Service Mark Notices
• Disclaimers And Liability
• Communications/Notices and Information Delivered Electronically
• Privacy Policy
• Indemnity
• Limitation on Damages
• Links To Third Party Websites
• Delays and Errors
• Dispute Resolution
• Other Terms

1. TERMS OF USES OF THE WEBSITE AND ALL USE AGREEMENT FOR ALL SERVICE

Please review this Terms of Use Agreement ("Agreement"). By accessing, browsing or using this website, divisions or service groups, or any page thereof, through any direct or indirect means, or by using the goods, facilities or services offered in or through this Website through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" include use through these alternative methods).

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 8 and 16). These provisions form an essential basis of our bargain.

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Website.

For purposes of this Agreement, "You" or "Your" means the person(s) using the Website, and/or the good, facilities or services of BorrowMoney.com, Inc. offered through alternative methods, including persons that allow others to provide information about themselves to BorrowMoney (as defined below), the banks, lenders and brokers on BorrowMoney's network ("Lenders"), Providers (as defined in section 6) or real estate professionals (as defined in section 7). "BorrowMoney", "us" or "we" means, but is not limited to BorrowMoney.com, Inc.

THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.

BorrowMoney operates the Website and shall have the right at any time to change or discontinue any aspect or feature of the Website and the right sole in complete discretion to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Website. Any use by you of the Website or the good, facilities or services offered in or through the Website shall be deemed to constitute acceptance of such changes.

2. CONSUMER INFORMATION SECURITY POLICY

While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, BorrowMoney understands your concerns with the safety of your personal information. The following is a summary of the measures BorrowMoney takes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.

BorrowMoney uses well-known and vetted security technology to protect your data and transmissions between you, BorrowMoney, banks, loan brokers and real estate professionals participating in the BorrowMoney Website. Transmissions between BorrowMoney, banks, lenders, loan brokers and real estate professionals are encrypted using public key cryptography algorithms with a minimum key size of 256 bit.

Those pages on the Website that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except BorrowMoney. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. This technology requires any modern web browser such as Internet Explorer, Firefox, Safari or Opera. You can verify that your communications with BorrowMoney are secure by checking for the key or lock icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page.

Another important information security measure in place throughout the Website is the timeout feature. This feature will log you out if there has been no activity within a specified amount of time.

3. MORTGAGE LOAN REQUEST SERVICES

The BorrowMoney process occurs when you complete a form for a loan request and get matched with Lenders who will reply and respond with conditional loan offers.

A. Terms Applicable to All Mortgage Loan Request Services

BorrowMoney is a computerized loan originator for mortgage loans and performs computerized loan origination services for Lenders and is compensated for such services by the Lenders. Lenders are not to directly charge you any computerized loan fee and the fee should appear on your settlement statement. Depending on the Lender, the computerized loan origination fee paid by the Lender may be included in your rate, points or loan terms. Although some state licensing laws treat fees paid in exchange for computerized loan origination services as mortgage broker fees or origination fees may not be the case under federal law. BorrowMoney is not a lender nor is acting as a lender or broker and does not make loans or credit decisions in connection with loans. BorrowMoney does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Website), BorrowMoney is not an agent of you or any Lender. BorrowMoney's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that BorrowMoney will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by BorrowMoney or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.

The Website and the services provided by BorrowMoney are available in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified. Loans may only be made to residents of, or secured by real property located in, states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states by participating in and offering their products on the Website. BorrowMoney Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Website at any time, without prior notice.

The data and other information you may provide BorrowMoney is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. BorrowMoney does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, BorrowMoney does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender's offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products in all states. You might not be matched with the Lender making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, BorrowMoney and its Lenders may obtain, verify and record information that identifies each person who opens an account with us and them. Our Lenders and we may ask for your name, Social Security Number, address, date of birth and other important information including information received from your credit file, that will allow us and them to properly identify you. During the Lender application process, they may also ask to see your driver's license or other identifying documentation.

BorrowMoney is paid a fee by Lenders for the goods, facilities and services provided. Regardless whether you obtain a loan from BorrowMoney's network of Lenders, at closing you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.). BorrowMoney does not charge you a fee for its service in matching you with Lenders.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through BorrowMoney to each of the Lenders to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender you have been matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.

B. BorrowMoney Loan Request Service

BorrowMoney seeks to provide you multiple conditional loan offers through its network of non affiliated Lenders. By submitting a loan request form, you authorize BorrowMoney to provide information provided by you or third parties to Lenders on the BorrowMoney network, along with any additional lenders or investors necessary to complete your loan transaction. You also authorize BorrowMoney and its Lenders, along with any additional Lenders or investors necessary to complete your loan transaction, to request from one or multiple credit bureaus/reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history. At the present time, Fair Isaac Corporation (the company that provides "FICO" credit scores) reports that, for mortgage or auto loans, it disregards those inquiries made in the 30 days prior to the lender receiving the credit score and that beyond the 30 days, it consolidates all credit inquiries that occur within a 14-day period into one inquiry for scoring purposes.

BorrowMoney Network of Lenders. BorrowMoney seeks to provide you multiple conditional loan offers through its network of non affiliated Lenders (U.S. based banks, thrifts, mortgage brokers, mortgage bankers and finance companies).

To determine which Lenders may be matched with you, Lenders provide to us criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. BorrowMoney will provide your information to Lenders whose criteria match your profile.

4. NON-MORTGAGE LOAN REQUEST SERVICES

BorrowMoney offers non-mortgage (including automobile loan, commercial loan, credit card, personal loans and student loan) loan request services, explained in more detail below.

A. Terms Applicable to All Non-Mortgage Loan Request Services

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through BorrowMoney to each of the Lenders to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender you have been matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the deliver of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.

B. Additional Terms Applicable to Credit Card, Personal Loan and Commercial Loan Request Services If you request a credit card, personal loan or commercial loan, BorrowMoney may also provide your information with one of the lenders or providers in that program.

Notice For Married Wisconsin Residents.

No provision of a marital property agreement (pre-marital agreement), a unilateral statement under Section 766.59 of the Wisconsin Statutes, or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the creditor unless, prior to the time the credit is granted, the creditor is furnished a copy of the marital property agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the loan for which you are applying is granted, your spouse will also receive notification that credit has been extended to you.

5. REQUEST FOR OTHER PRODUCTS AND SERVICES (INCLUDING FINDER/LOCATOR SERVICES)

BorrowMoney offers requests for other products and services on the Website. You may be able to access these products and services when you complete a request and either (i)are matched with potential third party providers ("Provider" includes any third-party affiliate or finder of a Provider) who will respond with conditional offers for products or services or (ii) r provided with the name and information about potential Providers who may able to respond with the requested products or services or information about the requested products or services without any offers. The Providers that can provide you with conditional offers may not respond with offers until they speak with you to get additional information.

A. Terms Applicable to All Requests for other Products and Services

BorrowMoney is not a provider of products or services and does not make any decisions in connection with the products or services offered by Providers. BorrowMoney does not endorse or recommend the products or services of any particular Provider on any of its Website. BorrowMoney is not an agent of either you or any Provider. BorrowMoney's services are only administrative. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that BorrowMoney shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Providers may keep your request information and any other information provided by BorrowMoney or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them.

Products and services may only be made to residents of states where Providers are licensed or authorized to make such products or services available. BorrowMoney and Providers expressly reserve the right to discontinue, suspend or terminate the offering of any product or service in any specific state through the Website at any time, without prior notice.

The data and other information you may provide BorrowMoney is not, and is not treated as, an application for that product or service. BorrowMoney does not guarantee acceptance into any particular program or specific term or condition with any Provider; approval standards are established and maintained solely by individual Providers. Likewise, BorrowMoney does not guarantee that the terms or rates for the products or services offered and made available by Providers are the best terms or lowest rates available in the market. A Provider's products or services may be subject to market conditions, approval and qualification. The terms and rates actually provided by Providers may be higher or lower depending on your individual financial profile, your location and other considerations. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a product or service. Providers may not offer all products or services as well as not offer products or services in all states. You may not be matched with the Provider making any specific offer.

BorrowMoney is paid a fee by either the Provider or a third party "finder" (if the finder markets for or to the Provider) for the goods, facilities and services BorrowMoney provided. Your use of the Website and/or BorrowMoney's services constitutes your agreement with this compensation arrangement. You will not be responsible for paying for any cost associated with the product or service. BorrowMoney will not charge you a fee for its services.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a product or service through BorrowMoney to each of the Providers to whom your request is transmitted. By submitting the request containing your electronic signature, you are extending an express invitation to each Provider to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Providers or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BorrowMoney or by doing a submission, you give BorrowMoney permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete.

By submitting the request form, you authorize BorrowMoney to provide information that you provided or that BorrowMoney has or may have received from others to Providers or their finders, along with any additional providers necessary to complete your transaction. By submitting any eligibility form, you authorize BorrowMoney to provide your information to up to five Providers or finders to discuss, review or provide product or services information and opportunities. You also authorize BorrowMoney and its Providers and finders along with any additional providers necessary to complete your transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings.

6. REALTY SERVICES

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry to BorrowMoney and its network or real estate professionals ("real estate professionals"). Further, that you are representing all of the information you have provided in the referral form is true and complete. You authorize BorrowMoney to forward your information to its network of real estate professionals. You further understand and agree that by selecting a real estate company or professional, you are extending an express invitation for them to contact you by telephone at the numbers you have provided, and you hereby consent to any such calls even if your phone number is on the Do Not Call list. In addition, by completing and submitting a request for more information regarding a real estate listing or requesting contact with a real estate professional, you understand and agree that you are extending an express invitation to real estate professionals to call you by telephone at the numbers you have provided, and you hereby consent to any such calls even if your phone number is on the Do Not Call list. You understand that these real estate professionals may keep the information you submit whether or not you communicate with them regarding a real estate listing and whether or not you complete a real estate transaction with them. Real estate programs are administered by BorrowMoney.

In certain geographic areas, BorrowMoney lists homes. Instead, real estate brokerage activities are performed by local licensed real estate brokers. BorrowMoney acts as a referring broker by referring you to a local real estate broker, and for its services, BorrowMoney receives no fee.

Real Estate Create an Account/Registration. By creating an account or otherwise registering with this site, you hereby understand and agree that you have established a business relationship between you and BorrowMoney.com, Inc., which is the owner of this site. As such, you agree that BorrowMoney may contact you using information you provided with information and offers of services available through BorrowMoney and the Website. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list.

7. COPYRIGHT, TRADEMARK AND SERVICE MARK NOTICES

All contents of the Websites are: Copyright © 2010 - 2015 BorrowMoney.com, Inc. and/or its suppliers, Lenders, Providers or real estate professionals, 512 bayshore drive fort lauderdale FL, 33304 U.S.A. All rights reserved. BorrowMoney is a service mark of BorrowMoney.com, Inc.. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.

Nothing on the Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the BorrowMoney or the applicable Mark holder specific for each such use. The Marks may not be used to disparage BorrowMoney, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by BorrowMoney in writing.

The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. BorrowMoney owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of BorrowMoney and the copyright owner. Elements of the Website are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

8. DISCLAIMERS AND LIABILITY

BorrowMoney intends that the information contained in the Website be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by BorrowMoney at any time. Under no circumstances will BorrowMoney be liable for any loss or damage caused by your reliance on information obtained through the Website. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Website.

THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". BORROWMONEY AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS OR REAL ESTATE PROFESSIONALS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR BORROWMONEY'S SERVICES IS AT YOUR OWN RISK. BORROWMONEY AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR BORROWMONEY'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO BORROWMONEY RECORDS, PROGRAMS OR SERVICES, , OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BORROWMONEY AND/OR ITS SUPPLIERS, PROVIDERS OR REAL ESTATE PROFESSIONALS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

9. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

BorrowMoney, Lenders, Providers and real estate professionals may choose to electronically deliver all information related to its services and your requests. BorrowMoney, Lenders, Providers and real estate professionals' electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, other terms, conditions and documents, and the privacy policies of BorrowMoney, Lenders, Providers and real estate professionals.

You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with BorrowMoney, Lenders, Providers and real estate professionals. This means that BorrowMoney, Lenders, Providers and real estate professionals may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers and real estate professionals or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically. The Consent for Electronic Disclosures and Communications from Network Lenders is the disclosure that provides greater detail.

Technical Requirements

To access and retain information and notices we send or make available to you electronically, you will need:

• Internet access with 256-Byte encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print Internet Explorer 6 or higher
• Netscape 8.04 and above (Use in IE mode)
• Email Access or Firefox version 1.5

10. PRIVACY POLICY

The BorrowMoney Privacy Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Website or received directly from you.

11. INDEMNITY

As a condition of use of the Website and/or BorrowMoney's services, you agree to indemnify BorrowMoney and its suppliers, Lenders, Providers or real estate professionals from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Website, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

12. LIMITATION ON DAMAGES

In no event will BorrowMoney have any liability to you in excess of actual compensatory damages. You irrevocably waive any claim to consequential, punitive or exemplary damages.

13. LINKS TO THIRD PARTY WEBSITES

The Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. BorrowMoney does not operate or control in any respect any information, software, products or services available on such websites. BorrowMoney's inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave the Website please note that BorrowMoney is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

14. ERRORS AND DELAYS

BorrowMoney is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

15. DISPUTE RESOLUTION

Any claim or controversy arising out of or relating to the use of the Website, to the goods or services provided by BorrowMoney, or to any acts or omissions for which you may contend BorrowMoney is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association ("AAA") dated September 15, 2005. The arbitration shall be venued in consumer location reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the parties shall agree on an arbitrator mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties shall jointly select another arbitrator. In the event the parties are unable to agree on a neutral arbitrator, the claimant may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in Section 5 of the Federal Arbitration Act.To begin the arbitration process, a party must make a written demand therefor.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND BORROWMONEY WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using BorrowMoney's goods, facilities and services, you consent to these restrictions.

Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and BorrowMoney, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Kings County, New York. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees.

16. OTHER TERMS

This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Website, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Website and any operating rules for the Website established by BorrowMoney) constitutes the entire agreement between you and BorrowMoney and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and BorrowMoney with respect to the Website and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of New York, excluding its conflict of laws principles. 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, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

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