TERMS

USE OF THIS WEBSITE AND TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS "TERMS OF USE:" CLICKING ONTO WEB PAGES BEYOND THE WEBSITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE, WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY. IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.

WEBSITE OWNERSHIP
This website is owned and operated by RoundPoint Mortgage, 446 Wrenplace Road, Fort Mill, SC 29715, which is referred to below as "RoundPoint Mortgage," "we," "us," "our, or "Company.

YOU AGREE THAT:

• Your use of this website is subject to and governed by these Terms of Use;
• You will only access or use this website and transact business with us if you are at least 18 years old;
• You will comply with and be bound by these Terms of Use as they appear on this website each time you access this website;
• Each use of this website by you indicates and confirms your assent and agreement to be bound by these Terms of Use; and
• These Terms of Use constitute a legally binding agreement between you and RoundPoint Mortgage that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage-related business with RoundPoint Mortgage as a bona fide customer of RoundPoint Mortgage; you may not use or attempt to use this website or any part hereof for any purpose that:

• Interferes with or induces a breach of the contractual relationships between RoundPoint Mortgage and its employees;
• Is in any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
• Transmits any advertisement, solicitation, scheme, spam, flooding, or other unsolicited e-mail or commercial communication;
• Transmits any harmful or disabling computer code or virus;
• Harvests e-mail addresses from this site;
• Transmits unsolicited e-mail to this site or to anyone whose e-mail address is associated with this website.
• Interferes with our network services;
• Suggests an express or implied affiliation with RoundPoint Mortgage (without the express permission of RoundPoint Mortgage);
• Impairs or limits our ability to operate this website or any other person’s ability to access and use this website;
• Uses any method, means or device to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine; or
• For any other purpose other than conducting mortgage servicing related business with RoundPoint Mortgage as a bona fide customer of RoundPoint Mortgage.


ACCESS TO THIS WEBSITE
RoundPoint Mortgage reserves the right at all times, in its sole discretion and without notice to you, to deny your access to or use of this website or any part hereof.

USE OF THIS WEBSITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing, obtaining, and maintaining all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.

WEB PAGE CONTENT 
You acknowledge and agree that:

• All content, web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel," and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
• All rights associated with the Web Page Content are owned by RoundPoint Mortgage, its licensors, or content providers;
• You do not acquire any ownership rights by downloading or viewing any Web Page Content;
• You will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content;
• You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names, and/or logos contained within or derived from this website, for any purpose.

You may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names, and/or logos on or derived from this website in or as:

• Any meta-tag or hidden text;
• Part of any contextual marketing directory, index, or triggering term;
• Content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
• A variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.

SUBMISSIONS
You acknowledge and agree that all submissions to RoundPoint Mortgage containing any comments, ideas, suggestions or improvements regarding this website will become and shall remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. You forever disclaim any proprietary rights in such submissions, and acknowledge RoundPoint Mortgage’s unrestricted right to use, publish, and commercially exploit identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation, or other obligation to you or any other person.

TESTIMONIALS
You acknowledge and agree that all testimonials submitted to RoundPoint Mortgage will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. You irrevocably grant to RoundPoint Mortgage the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use any statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that RoundPoint Mortgage may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictitious name herewith.

LINKING
For your convenience, this website may provide links to other websites. Unless an express statement to the contrary appears, RoundPoint Mortgage does not endorse, approve, sponsor, or control, and is in no way responsible for, any of the content, services, calculations, information, products, or materials available at or through any website to which this website may provide a link. By using this website, you acknowledge and agree that RoundPoint Mortgage will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products, or materials.

NO ADVERTISING / NO LINKS
RoundPoint Mortgage does not permit third-party advertising on this website. Except with the written permission of RoundPoint Mortgage, you agree that you will not create links from any website or Web page to this website or any Web page within this website.

REVISIONS AND MODIFICATIONS
You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear at the time you access this website. Because these Terms of Use may change, we encourage you to refer back to them often. You agree and acknowledge that all other content, services, products, and materials on or available through this website are subject to updates and/or revisions without notice to you. You further acknowledge and agree that individualized modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President or Chief Executive Officer of RoundPoint Mortgage.

LOCATION
You understand and acknowledge that RoundPoint Mortgage controls and operates this website from within the United States of America. This website provides information regarding products and services that are made available in the United States only. We make no representation that the products or services about which information may be provided on this website will be available (a) anywhere outside of the United States, or (b) in any individual state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state, and local laws applicable to your access to and use of this website.

USER IDs AND PASSWORDS
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password, or other identifying information you may obtain in connection with your use of this website. You agree to notify RoundPoint Mortgage immediately if you believe your user identification, password, or other identifying information has been lost, stolen, or otherwise compromised. You also acknowledge and agree that you are solely responsible for any damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password, or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password, or other identifying information has been lost, stolen, or otherwise compromised.

PRIVACY AND SECURITY
For information on how RoundPoint Mortgage uses and protects the personal information that you may provide through this website, please refer to our Privacy Policy.

INDEMNIFICATION
If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify RoundPoint Mortgage and its affiliates, vendors, and licensors, and all of the employees, officers, directors, agents and representatives of RoundPoint Mortgage and its affiliates, vendors, and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses, or other losses, including attorneys’ fees and court costs, that arise from or are related to your use of this website and/or your breach or violation of, or failure to comply with, these Terms of Use.

DISCLAIMERS
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ROUNDPOINT MORTGAGE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ROUNDPOINT MORTGAGE MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER ITS DATE OF PREPARATION OR PUBLICATION. ROUNDPOINT MORTGAGE HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT ROUNDPOINT MORTGAGE IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. ROUNDPOINT MORTGAGE MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS OR ERRORS WIHIN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT ROUNDPOINT MORTGAGE, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION, OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS, OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS, OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.


LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL ROUNDPOINT MORTGAGE BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGE OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE, OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT ROUNDPOINT MORTGAGE SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL ROUNDPOINT MORTGAGE’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.

COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this website or via e-mail, do not use the website or e-mail to communicate any time-sensitive instructions that are in any way related to or affect your loan. Such instructions may not be honored. All transactions conducted on this website, or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us. E-Signature: General communications through this website, or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a "click to accept" button or box is binding upon you. Recording & Monitoring of Communications: Your communications with us via the website, e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.

CONTACT METHODS
By submitting information to RoundPoint Mortgage through this website or otherwise, you are making an inquiry as to services offered by RoundPoint Mortgage and give RoundPoint Mortgage permission to contact through e-mail, fax, or telephone, or any means, even if your phone number is on a "Do Not Call" list.

APPLICATION OF ADDITIONAL TERMS
You acknowledge that certain features of this website, as well other products and services of RoundPoint Mortgage, including those that may be available through this website, may be subject to terms, conditions, and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions, and disclaimers.

AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry or servicing inquiry, or in entering into any other transaction or request for information on this website, you agree to provide true, accurate, current, and complete information upon which RoundPoint Mortgage may rely.

SEVERABILITY
You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions or these Terms of Use generally.