Here is the short and sweet, real people readable version...
If you like to read legalese below is the full attorney version for you reading pleasure... or you may now calculate your mortgage piti payment.
THE TERMS AND CONDITIONS SET FORTH BELOW (THE "TERMS") GOVERN YOUR USE OF THIS SITE ON THE WORLD WIDE WEB. THESE TERMS ARE A LEGAL CONTRACT BETWEEN YOU AND PITICALC.COM AND GOVERN YOUR ACCESS TO, AND USE OF, THE WEBSITE LOCATED AT THE URL: WWW.PITICALC.COM. TOGETHER WITH THE SERVICES AVAILABLE THROUGH THIS SITE (THE “SITE”).
IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THIS SITE. YOUR USE OF THIS SITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW. PITICALC.COM MAY MAKE CHANGES TO THE CONTENT AND SERVICES OFFERED ON THIS SITE AT ANY TIME.
Disclaimer of Warranties.
Your use of this Site and/or the services is at your own risk. Materials, Submissions or the Third Party Content have been verified or authenticated in whole or in part by PitiCalc.com or Brain Cell Media, and they may include inaccuracies or typographical or other errors. PitiCalc.com does not warrant the accuracy of timeliness of the Materials, Submissions or the Third Party Content contained on this Site. PitiCalc.com has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content, whether provided by PitiCalc.com or our licensors.
PITICALC.COM, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE.
UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. PitiCalc.com DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.
Limitation of Liability.
PITICALC.COM SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM YOUR USE, DISPLAYING, COPYING, OR DOWNLOADING ANY MATERIALS, THIRD PARTY CONTENT OR SUBMISSIONS TO OR FROM THIS SITE OR FROM ANY THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR UNLAWFUL USE OF YOUR PERSONAL INFORMATION, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION.
PitiCalc.com has partnered with several trusted third party companies to
offer services including but not limited to: obtaining a competitive
residential home mortgage, credit reports and credit consuling as well as
other services. For us to assist you with services offered on our Web site
we request that you voluntarily supply us with personal information,
including, but not limited to, your email address, and mailing address for
purposes of fulfilling requests inclusive of, but not limited to, assistance
with mortgage and real estate services and requests for home loan related
assistance in general.
All of the information we collect from you is optional. Should you choose to supply us with any of this information, we reserve the right to share it with trusted third-party vendors, affiliates, and /or service companies that provide contracted services for piticalc.com and our Web site visitors. Piticalc.com is the sole owner of the information obtained through this Web site.
OTHER INTERNET SITES THAT ARE LINKED
YOUR PERMISSION, APPROVAL, AND ACCEPTANCE OF THESE TERMS
Please understand that by utilizing any of the services offered by on this site, you hereby consent to the collection of any data and use of this information by piticalc.com and accept the terms as stated in this section.
Third Party Content.
This Site may be linked to other sites that are not PitiCalc.com sites. PitiCalc.com is providing these links to you only as a convenience, and PitiCalc.com is not responsible for such linked sites, including, without limitation, the content or links displayed on such sites. Certain information and other content that are not Submissions may be provided by third party licensors and suppliers to PitiCalc.com (“Third Party Content”). The Third Party Content is, in each case, the copyrighted and/or trademarked work of the creator/licensor. You agree to only display the Third Party Content on your personal computer solely for your personal use. You acknowledge and agree that you have no right to download, cache, reproduce, modify, display (except as set forth in this paragraph), edit, alter or enhance any of the Third Party Content in any manner unless you have permission from the owner of the Third Party Content.
PITICALC.COM DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES AND CONDITIONS WITH REGARD TO THIRD PARTY CONTENT, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
General Use Restrictions.
PitiCalc.com provides content and services through this Site. Certain information, documents, products, tools and services provided on and through this Site, including content, logos, graphics, widgets and images (together, the “Materials”) that are not Submissions (as defined below) are provided to you by PitiCalc.com and are the copyrighted and/or trademarked work of PitiCalc.com or PitiCalc.com’s contributors or providers.
PitiCalc.com grants you a limited, personal, non-exclusive and non-transferable license to (i) use and to display and to make one copy of the Materials (other than the widgets available on this Site) and to use the services and this Site solely for your personal use and (ii) use, reproduce, distribute, publicly perform and publicly display the widgets available on this Site on your website. Except for the licenses set forth in the preceding sentence above, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Materials in any manner.
This limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination of these limited licenses, you agree to immediately destroy any downloaded or printed Materials. Except as stated herein, you acknowledge that you have no right, title or interest in or to this Site or any Materials.
Submissions and unauthorized use of any Materials or Third Party Content contained on this Site may violate certain laws and regulations. You agree to indemnify and hold PitiCalc.com and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all costs, damages, liabilities, and expenses (including attorneys’ fees and costs of defense) PitiCalc.com or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of this Site or the use of this Site by any person using your user name and/or password (including without limitation, your participation in the posting areas or, your Submissions) violates any applicable law or regulation, or the copyrights, trademark rights or other rights of any third party.
All information and screens appearing on this Site, including documents, services, site design, text, graphics, logos, images and icons, as well as the arrangement thereof, are the sole property of PitiCalc.com, Copyright 2017 PitiCalc.com. All rights not expressly granted herein are reserved. Except as otherwise required or limited by applicable law, any reproduction, distribution, modification, retransmission, or publication of any copyrighted material is strictly prohibited without the express written consent of the copyright owner or license.
PitiCalc.com controls and operates this Site from its headquarters in the state of California in United States of America and the Materials, Submissions and/or Third Party Content may not be appropriate or available for use in other locations. If you use this Site outside the United States of America, you are responsible for following applicable local laws.
If you violate these Terms, PitiCalc.com may terminate and/or suspend your access to this Site without notice. PitiCalc.com prefers to advise you of your inappropriate behavior and to recommend any necessary corrective action. However, certain violations of these Terms, as determined by PitiCalc.com, may result in immediate termination of California state law and U.S. federal law, without regard to the choice or conflicts of law provisions, will govern these Terms. Any disputes relating to these Terms or this Site will be heard in the courts located in California state. If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. PitiCalc.com’s failure to enforce any of these Terms is not a waiver of such term. These Terms are the entire agreement between you and PitiCalc.com and supersede all prior or contemporaneous negotiations, discussions or agreements between you and PitiCalc.com about this Site. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.