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Terms

Liberty Reverse Mortgage
WEBSITE TERMS AND CONDITIONS OF USE

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT LIBERTY, ITS AFFILIATES AND THE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO USE THE SITE, THE SERVICES, OR MATERIALS, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE, THE SERVICES OR MATERIALS. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU.

Third Party Sites

As a convenience to you, Liberty and its Affiliates may provide, on this site, links to websites operated by other entities. If you use these sites, you will leave this site. If you decide to visit any linked site, you do so at your own risk, subject to that site’s terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Liberty and its Affiliates make no warranty or representation regarding, and do not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Liberty, its Affiliates or this Site sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Liberty or any of its affiliates or subsidiaries.

External Links to the Site

All links to the Site must be approved in writing by Liberty, except that Liberty consents to links in which: (i) the link is a text-only link containing only the name “Liberty Reverse Mortgage”, (ii) the link “points” only to www.libertyreverse.com and not to deeper pages: (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a “frame” on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by Liberty nor be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of Liberty or its Affiliates. Liberty reserves the right to revoke this consent to link at any time in its sole discretion.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Liberty and its Affiliates are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Liberty or its Affiliates, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information Provided By You

In order to use certain Services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if Liberty or any Affiliate has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, Liberty, in its sole discretion, has the right to suspend or terminate your access to the Site. Further, you agree that Liberty will not be liable to you or any third party if Liberty terminates your access to the Site, and the Services or Materials thereon, for any reason.

Except for the information you submit during the registration process or during the use of any other service offered through this Site (the “Permitted Information”), Liberty and its Affiliates do not want you to, and you should not, send any confidential or proprietary information to Liberty or its Affiliates via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to Liberty or its Affiliates other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to Liberty or its Affiliates, you grant to Liberty and its Affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that Liberty and its Affiliates are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Liberty or its Affiliates. You further recognize that Liberty and its Affiliates do not want you to, and you warrant that you shall not, provide any information or materials to Liberty or its Affiliates that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another. Liberty and its Affiliates will use the Permitted Information in accordance with the privacy policy posted on this Site.

Notices

Notices from Liberty and its Affiliates to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of Liberty or the applicable Affiliate, unless otherwise required by law or contract.

General Terms

Liberty reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will beeffective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.

Liberty and its Affiliates may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. Liberty and its Affiliates may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Liberty and its Affiliates may terminate the authorization, rights and license given above.

The Terms and Conditions of Use constitute the entire agreement between Liberty, its Affiliates and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.

The Terms and Conditions of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with Liberty and its Affiliates.

International Users and Choice of Law

This Site is controlled, operated and administered by Liberty from its offices within the United States of America. Liberty and its Affiliates make no representation that materials at this Site are appropriate or available for use at other locations outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U.S. export laws and regulations. If you access this Site from a location outside the United States, you are responsible for compliance with all local laws.

Governing Law

These Terms and Conditions of Use shall be governed by the laws of the State of California, United States of America, without giving effect to its conflict of laws provisions.

Requirement of Written Agreement

The purchase or sale of mortgage loan products, insurance and/or securities between Liberty, its Affiliates and their customers are governed by written policies or contracts. The terms of these policies or contracts are binding on the parties. No other representation, whether made in person, online, electronically (including, but not limited to, representations on this Site), in writing, or by graphic or verbal communication may alter the terms of those policies or contracts.

Legal Notice

The material on this website is for informational purposes only and it covers a variety of topics on residential home mortgages, insurance and other financial products and services. Although some of the information involves tax, legal, accounting or similar issues, neither Liberty Reverse Mortgage or its affiliated companies offering the products or services nor their agents or affiliates are in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or investment aspects of any information presented on this website and how they may affect your particular situation.

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY LIBERTY REVERSE MORTGAGE OR ITS AFFILIATES TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

The products and services described on this website:

  • are available only to consumers in the United States of America unless otherwise specifically noted;
  • may not be available in all states of the USA; and
  • are subject to all applicable laws and regulations.

THE FINANCIAL OBLIGATIONS OF INDIVIDUAL MORTGAGE INSURANCE OR TITLE INSURANCE PRODUCTS OR POLICIES ARE THE SOLE RESPONSIBILITY OF THE UNDERWRITING COMPANY. NEITHER LIBERTY REVERSE MORTGAGE NOR ANY OTHER AFFILIATES OF THE UNDERWRITING COMPANY ARE LEGALLY RESPONSIBLE FOR PRODUCT/POLICY OBLIGATIONS. The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described.

Copyright Notice.

Except as otherwise noted on this website, the contents of this website are copyrighted ©2020 by Liberty Reverse Mortgage All rights are reserved. No part of the materials on this website, including website text, graphics and html code, may be reproduced or transmitted in any form by any means without the express written consent of Liberty Reverse Mortgage.

© 2024 Liberty Reverse Mortgage, 10951 White Rock Road, Suite 200, Rancho Cordova, CA 95670. All Rights Reserved. NMLS Consumer Access | For licensing information, go to www.nmlsconsumeraccess.org | NMLS ID # 2726 This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). For a complete list of licenses, visit https://libertyreversemortgage.com/licensesnmls © 2024 PHH Mortgage Corporation, DBA Liberty Reverse Mortgage, 2000 Midlantic Drive, Suite 410-A, Mount Laurel, NJ 08054. All Rights Reserved. NMLS Consumer Access | For licensing information, go to www.nmlsconsumeraccess.org | NMLS ID # 2726 Oregon consumers click here to read an important disclosure. Licensed Mortgage Banker-NYS Department of Financial Services This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Product availability is subject to market conditions and not all products may be available at all times. This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).