Welcome to the RaincrossFinancial.com,
(aka) Raincross Financial Services, Raincross Financial Web site hosted
by 2-extremes.com (referred to herein as "we," "us,"
or "our") and its affiliated entities. By using this site,
you acknowledge your agreement to these terms of use ("Terms of
Use") set forth below. Please read the Terms of Use and, if you
do not agree to them, do not use this site.
This Privacy Notice describes Raincross' policy regarding the sharing
of personal information about you. Raincross’ policy applies to
Raincross Financial Services. This Privacy Notice applies to consumer
relationships you may have with Raincross Financial Services. It does
not apply to business relationships.
We gather consumer contact and loan information via an online application
and use this information to match borrowers with lenders. Submission
of our online application constitutes acceptance to these terms of service
and by doing so the borrower waives all claims.
We respect your privacy. We know it’s important to keep your
financial information accurate, up-to-date, and confidential. You have
our assurance that we will do our utmost to handle your financial information
with discretion and care. From time to time, we may share personal information
with an affiliate or a nonaffiliated third party in order to deliver
products and services that you have requested or to provide you with
information about products or services that may interest you.
We’re committed to keeping your information secure. We restrict
access to nonpublic personal information about you to those employees
who need to know that information to provide products or services to
you. We maintain physical, electronic, and procedural safeguards that
comply with federal regulations to guard your nonpublic personal information.
Information we collect. To match you with the financial services best
suited for you, we collect and use publicly available information, as
well as nonpublic personal information, so that we can deliver better
products and services to you and provide you with information about
other products and services that might benefit you. We collect nonpublic
personal information about you from the following sources:
Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others;
and
Information we receive from a consumer reporting agency or other third
parties.
Information we disclose. We may disclose all of the information that
we collect, as described above for the purpose of your refinance or
loan application. We may also disclose nonpublic personal information
about you to nonaffiliated third parties as permitted by law. For example,
we may exchange information with consumer reporting agencies and provide
it when legally required or permitted in connection with matters such
as, but not limited to, litigation, or fraud investigations.
We do not permit list brokers, mail-order businesses, telemarketers,
or other marketing firms to contact you to promote their services or
products, and we do not sell, lend, or give out your information for
this purpose.
Rainross Financial Services may share demographic data with our lenders
and other third parties for market research and demographic purposes.
This information is always anonymous and does not include personal identifying
information.
Raincross Financial Services may notify borrowers about a special offer
from one of our promotional partners only if borrowers have agreed to
receive such information. We do not reveal the borrower's name, address
or any other identifying information to that promotional partner unless
you request us to do so. You have the option to decline such offers
and be removed from e-mail promotion lists at any time. To make this
request, please email customerservice@raincrossfinancial.com
CHANGE OF TERMS OF USE
We reserve the right, at our discretion, to change, modify, add, or
remove portions of these Terms of Use at any time. Please check these
terms periodically for changes. Your continued use of this site following
the posting of any changes will mean you accept those changes.
CONTENT LINKED TO THIS SITE
You should be aware that when you are on this site, you could be directed
to other sites that are beyond our control. There are links to other
sites from RaincrossFinancial.com site pages that take you outside of
our service. For example, if you click on a banner advertisement or
a search result, the click may take you off the Raincross Financial
site. This includes links from News Sources, brokers, Secondary market
entities, advertisers, sponsors, and content partners that may use our
logo(s) as part of a co-branding agreement. We reserve the right to
disable links from third-party sites to the Raincross Financial site
but we make no representations concerning the content of sites linked
to our site and, consequently, we cannot be held responsible for the
accuracy, relevancy, copyright compliance, legality, or nature of material
contained linked to our site.
RAINCROSS FINANCIAL SERVICES, RAINCROSSFINANCIAL.COM ARE NOT
RESPONSIBLE FOR INFORMATION ON SITE; WAIVER OF LIABILITY
By use of the Raincross Financial site, you agree that Raincross Financial
Services shall not be responsible or liable in any manner for any of
the products, services, information or other materials (collectively,
"Information") provided, displayed, made available or otherwise
obtained by you as a result of your use of the Raincross Financial site
including, without limitation, any loan recommendations or quotes, agent
or broker referrals, applications, pre-qualifications, approvals or
rejections, loan or interest rate analyses or any other results or proceeds
from the use of this site or other sites linked to, or affiliated with,
this site and you hereby irrevocably waive any claims against Raincross
Financial Services arising out of your use of this site or other sites
linked to, or affiliated with, this site. Nothing on this site is or
shall be construed as an offer, acceptance, promise or other representation
by Raincross Financial Services to make a specific loan or that any
participating lender will make any loan for any particular purpose or
on specific terms.
Under no circumstances shall Raincross Financial Services be liable
to you or anyone else for any inaccuracies, errors or omissions, or
delays with respect to any Information (or the transmission or delivery
of all or any part thereof) provided, displayed, made available or otherwise
obtained by you as a result of your use of the Raincross Financial site
or any other sites linked to, or affiliated with, the Raincross Financial
site or for claims, costs, losses or damages of any kind resulting or
arising from the use of such Information and you hereby irrevocably
waive any claims against Raincross Financial Services arising out of
your use of this site or other sites linked to, or affiliated with,
this site. You are entirely responsible for independently verifying
and approving the results, accuracy, adequacy, completeness, validity,
enforceability and quality of any such Information and we do not guarantee,
verify or make any representations or warranties with regard to the
same.
DISCLAIMER THE INFORMATION AND MATERIALS PROVIDED ON THIS RAINCROSS
FINANCIAL SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES
OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE
PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR MAKE ANY
REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE INFORMATION
OR MATERIALS ON OUR SITE OR ANY LINKED SITE IN TERMS OF THEIR CORRECTNESS,
ACCURACY, RELIABILITY, OR OTHERWISE. WE DO NOT WARRANT THAT THE FUNCTIONS
ON OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE
CORRECTED, OR THAT OUR SITE OR THE SERVERS THAT MAKE SUCH INFORMATION
AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO ANY CAUSES
OF ACTION (WHETHER IN CONTRACT, TORT [INCLUDING, BUT NOT LIMITED TO,
NEGLIGENCE] OR OTHERWISE), SHALL RAINCROSS FINANCIAL SERVICES BE LIABLE
FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
(INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF BUSINESS PROFITS,
BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE)
RESULTING OR ARISING FROM THE USE OF THE RAINCROSS FINANCIAL SITE OR
THE INFORMATION, MATERIALS OR FUNCTIONS PROVIDED ON THE RAINCROSS FINANCIAL
SITE OR ANY LINKED SITE.
GENERAL PROVISIONS These Terms of Use shall be governed by and construed in accordance
with the laws of the State of California, without giving effect to any
principles of conflicts of law and you hereby consent and submit to
the personal jurisdiction of the courts of such state to resolve any
legal action. If any provision of these terms shall be unlawful, void,
or for any reason unenforceable, then that provision shall be deemed
severable from the remainder of the terms and shall not affect the validity
and enforceability of any remaining provisions.
USE OF THIS SITE SIGNIFIES YOUR AGREEMENT
TO THESE TERMS OF USE
This Privacy Notice is effectiveDecember 1, 2002. This
Privacy Notice supersedes any previously issued Privacy Notice or Policy.
