PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.
By using this site, you acknowledge your assent (agreement), without modification or limitation, to these Terms of Use. If you do not agree to all of these Terms of Use , you may not access, view, obtain goods or services from, or otherwise use the www.foreclosurezine.com (“the Web Site”)

Before you may obtain services through this Web Site, you must read, agree with, and accept all of the terms and conditions contained in this Agreement and the Privacy Policy, which includes by reference those terms and conditions expressly set out below. 

By your use of this site you agree that:

1. You are at least eighteen years old, and

2. You have read, understand and agree to abide by this Agreement and the documents it incorporates by reference,

3. You intend to form a legally binding contract by utilizing or viewing this site, and

4. YOU MUST EVALUATE, AND BEAR ALL RISKS ASSOCIATED WITH THE USE OF ANY CONTENT, INCLUDING ANY RELIANCE ON THE ACCURACY, COMPLETENESS, OR USEFULNESS OF SUCH CONTENT.

If you do not agree to be bound by the terms and conditions of this Agreement, please do not use or request our services through this Web Site.

www.foreclosurezine.com reserves the right to change these Terms and Conditions of Service from time-to-time at its sole discretion. In the case of any violation of the Terms and Conditions of Service, www.foreclosurezine.com reserves the right to seek all remedies available by law and in equity for such violations. These Terms and Conditions of Service apply to all visits to the www.foreclosurezine.com Web Site, to the education portion of the Web Site both now and in the future.

What we do
This Web Site functions as a virtual platform to connect persons seeking foreclosure information with service providers (collectively “Vendors”) who provide information or assistance. Verifying the identity of an individual or Vendor on the Internet is difficult; www.foreclosurezine.com  therefore cannot and does not confirm or verify the identity of users of this Web Site  or the qualifications, background, or abilities of Vendors. www.foreclosurezine.com  does not undertake to investigate its members or affiliates, and in no way warrants or makes representations as to honesty, integrity, reliability, motives and/or financial resources of any of its members, officers, directors, employees, agents and/or contractors, and does not recommend that anyone deal with, invest with, trade with, or in any way do business with any other person or firm, including without limitations, any such members, affiliates officers, directors, employees, agents, and/or contractors. Therefore, it is recommended that you must be careful and exercise reasonable and good judgment when dealing with any User or Vendor found through this Web Site .

Mortgage Foreclosure is a complex process. You are encouraged to be informed about your options in foreclosure before entering into any agreements with anyone in connection with the foreclosure of your home. There are government agencies and nonprofit organizations that you may contact for helpful information about the foreclosure process. Do not sign any important legal contract without first consulting with an attorney in your area.

No Endorsements; User Waiver of Claims
You acknowledge that www.foreclosurezine.com sells no real estate or real estate services (”Service”) through this Web Site. Certain real estate brokers, lenders, educational providers, speakers, seminar agents or other real estate or educational service providers (collectively, the “Vendors”) may post information on this Web Site  or contact you at your request, but you must understand that www.foreclosurezine.com is not affiliated with any such Vendors and in no way endorses or recommends any particular Vendor. User is in no way obligated, required or encouraged to utilize any of the Vendors posting information on this Web Site, including those providing educational, seminar or other published materials. If User decides to utilize a Vendor, any transaction, offer to buy or sell or related communication conducted on this site is solely between User and Vendor. The exclusive remedy arising from communications on or through this Web Site is between User and relevant Vendor. User agrees that, in return for permission to use the Web Site , he or she waives any and all claims against www.foreclosurezine.com that are connected to use of this Web Site  or any vendor that provides services or products on this Web Site .

No Legal Advice
THIS INFORMATION, ADVERTISEMENTS OR CONTENTS ON THIS WEB SITE HAS BEEN PREPARED ONLY FOR INFORMATIONAL PURPOSES. THIS WEB SITE DOES NOT CONTAIN OR CONSTITUTE LEGAL ADVICE. NO ATTORNEY-CLIENT RELATIONSHIP IS ESTABLISHED BY VIRTUE OF YOUR VISITING THIS WEB SITE. THE INFORMATION CONTAINED IN THIS WEB SITE IS NOT PROVIDED IN THE COURSE OF ANY ATTORNEY-CLIENT RELATIONSHIP AND IS NOT INTENDED TO SUBSTITUTE FOR LEGAL ADVICE FROM AN ATTORNEY LICENSED IN YOUR JURISDICTION. WWW.FORECLOSUREZINE.COM ASKS THAT YOU DO NOT SEND CONFIDENTIAL INFORMATION OR REQUESTS FOR LEGAL ADVICE VIA E-MAIL. WE WILL DELETE ALL COMMUNICATIONS OF THIS NATURE AND WE WILL NOT RESPOND. THE INFORMATION CONTAINED IN THIS WEB SITE IS PROVIDED ONLY AS GENERAL INFORMATION, WHICH MAY OR MAY NOT REFLECT THE MOST CURRENT LEGAL DEVELOPMENTS.

We do not guarantee a successful outcome in any way, shape or form when attempting a loan workout or loan modification with your lender or servicer. Our office accepts clients who can afford their home and just not their loans and need a professional advocate in their corner to present their case to their lender and or servicer. However we make no guarantees on the outcome of your case and are not in control of the outcome in any way shape or form.

General Disclaimer
Although www.foreclosurezine.com has made reasonable efforts to place accurate information on this Web Site, www.foreclosurezine.com assumes no responsibility for the accuracy of the information. WWW.FORECLOSUREZINE.COM PROVIDES THIS WEB SITE  CONTENT “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, TO THE FULLEST EXTENT ALLOWED BY LAW. FURTHER, ANY EDUCATIONAL MATERIAL, SEMINAR MATERIAL OR ANY OTHER REFERENCE IS PROVIDED “AS IS” WHERE IS AND WWW.FORECLOSUREZINE.COM FURTHER DISCLAIMS ALL OTHER WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR THE CURRENT ACCURACY OF EDUCATIONAL OR OTHER MATERIAL AS BEING CURRENT INFORMATION OR INFORMATION THAT MAY BE RELIED ON TO MAKE BUSINESS OR OTHER DECISIONS WWW.FORECLOSUREZINE.COM DOES NOT WARRANT UNINTERRUPTED OR ERROR-FREE FUNCTIONS CONTAINED IN THIS SITE OR ITS CONTENT OR THAT THE WEB SITE  OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability
WWW.FORECLOSUREZINE.COM SHALL NOT BE LIABLE FOR DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THIS SITE, FOR EDUCATIONAL MATERIAL SOLD OR DISTRIBUTED ON THIS SITE OR AS CONTAINED IN SEMINARS OR EDUCATIONAL CLASSES PROVIDED AT THIRD-PARTY LOCATIONS WHETHER OR NOT WWW.FORECLOSUREZINE.COM HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES. THIS INCLUDES DAMAGES FOR NEGLIGENCE OR GROSS NEGLIGENCE.

Indemnification
User agrees to indemnify and hold harmless www.foreclosurezine.com, at User’s sole expense, against any claim, action, legal proceeding, damages, liability, settlements, expenses (including attorneys’ fees) and other costs relating to (i) breach of any of these terms by any party; (ii) User’s negligence or misconduct, or (iii) claims that User has infringed the copyright, trademark, trade secret, patent, or other proprietary right of a third party.

Copyright/ Restrictions on Use of Material

All items on this Web Site are copyrighted by www.foreclosurezine.com, it’s agents, employees, officers, subsidiaries, members or affiliates. This copyright extends to text and graphics, the selection, arrangement and presentation of all materials, and the overall design of the site. Reproduction or republication is strictly prohibited without prior written permission. This Web Site may also contain valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by other companies who have authorized their use on this site only. Other products and company names mentioned in the Site may be the trademarks of their respective owners. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or any other proprietary right of www.foreclosurezine.com, affiliate or any third party. 

www.foreclosurezine.com authorizes you to view and download the materials at this website only for your personal, non-commercial use, provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials. You may not modify the materials at this Site in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose. Any use of these materials on any other website or networked computer environment for any purpose is prohibited. If you breach any of these Terms, your authorization to use this Site automatically terminates and you must immediately destroy any downloaded or printed materials. 

All members/affiliates must refrain from using any material that is protected by a copyright in which they do not own. You may inform us of any content that may indicate copyright infringement by any member or affiliate, pursuant to Title 17, United States Code, Section 512(c)(2), if you wish to inform us of any suspected copyright infringement please contact us directly by sending an e-mail to foreclosurezine@gmail.com.

Trademarks, Service Marks, Logos, Corporate Identifications Protected
All trademarks, service marks, logos, or other corporate identifications (collectively, “Marks”) on this Web Site  are trademarks or service marks of www.foreclosurezine.com User agrees not to use, copy, reproduce, republish, upload, post, transmit, distribute, or modify these Marks in any way. The use of these Marks on or as a link to any other Web Site is strictly prohibited without prior written approval by www.foreclosurezine.com.

User’s Code of Behavior
You agree not to post on the Web Site  any content that (a) is libelous, defamatory, obscene, pornographic, abusive, harassing, or threatening, (b) contains viruses or other contaminating or destructive features, (c) violates the rights of others, including protections of copyright, trademark, patent, trade secrets or any right of privacy or publicity, or (d) otherwise violates any applicable law. You will not post on this Web Site  any links to any external Internet sites that are obscene or pornographic. Any information that you provide to www.foreclosurezine.com must be true, complete and accurate, must not represent you as someone else or falsely identify any third party, and must not violate any law, statute, ordinance or regulation.

Links to/from Third Party Sites
This Web Site contains links to third party sites. User accesses these sites at User’s own risk; www.foreclosurezine.com is not responsible for the contents, changes, updates, or other links contained in a linked site.

www.foreclosurezine.com provides these links merely as a convenience, and the inclusion of such links does not imply an endorsement by www.foreclosurezine.com of the site.

No Partnership or Agency
User understands and acknowledges that no joint venture, partnership, employment, or agency relationship exists or is created between User and www.foreclosurezine.com as a result of use of the Web Site.

Governing Law
The contents of this Web Site and any claims related to it are governed by the laws of the State of Ohio, without reference to its conflict of laws rules. User consents and fully agrees to the exclusive jurisdiction of the State and Federal courts located in Summit County, Ohio, and User waives to the fullest extent allowed by law the defense of an inconvenient forum to the maintenance of any action or proceeding in any other jurisdiction.

Compliance with State and Federal Laws 

You are responsible for compliance with applicable state and federal laws, keeping in mind that access to the Site Content or use may not be legal by certain persons or in certain countries. If any part of these Terms of Use is held to be unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remainder will remain in full force and effect. These Terms of Use is personal to you and you may not transfer, assign or delegate These Terms Of Use to anyone without the express written permission of www.foreclosurezine.com. Any attempt by you to assign, transfer or delegate these Terms of Use without the express written permission of www.foreclosurezine.com shall be null and void. These Terms Of Use and any registration for or subsequent use of the Site will not be construed as creating or implying any relationship of agency, independent contractor, franchise, partnership, or joint venture between any User and www.foreclosurezine.com  .

Privacy
www.foreclosurezine.com is strongly committed to protecting your privacy and has implemented a comprehensive privacy policy. www.foreclosurezine.com does not disclose or release personal or financial information about you except what is necessary to process your request for assistance. For details, please view our Privacy Policy 

Comments, suggestions or materials sent or transmitted to www.foreclosurezine.com (collectively “Feedback”), shall be deemed to be non-confidential. Subject to the conditions described on the privacy page of this Web Site, www.foreclosurezine.com shall have no obligation of any kind with respect to such Feedback and shall be free to use and distribute the Feedback to others without limitation, including, but not limited to developing and marketing products incorporating such Feedback.

Entire Agreement
The above Terms and Conditions of Service constitute the entire and only agreement between you and www.foreclosurezine.com on the matters described. User understands that User may be subject to further restrictions while using Vendors’ Web Site’s.

Contact Us
If you would like to request additional information regarding these Terms of Use, please contact us at foreclosurezine@gmail.com