Privacy/Terms

Online Privacy Policy
In order to measure our web site’s activity and effectiveness we may collect and store information about your visit. This may include the pages you view, your length of visit, your Internet service provider and referral site information. This is all done without collecting any personal information about you.

There are places on our web site where you may provide us with personal information about you. If you choose to provide this information we may store it for future internal use. We will not share this information with any third party.

Use of Cookies
Our web site may use “cookies” to measure site activity and to customize information to fit your preferences. Cookies enable the site to remember who you are. We do not record personal or sensitive information in our cookies. If you wish not to accept cookies you can configure your browser to reject all cookies, or notify you when a cookie is set.

Definition of Cookies
A “cookie” is a small piece of information sent by a web server to a web browser enabling the browser to remember specific bits of information. The information stored within a cookie can be read only by the web server that originally sent the cookie.

Types of Cookies
The two types of cookies are session cookies and persistent cookies. The key difference between session cookies and persistent cookies is the time of expiration. Session cookies expire at the end of the session and Persistent cookies do not expire at the end of the session.

We take your online privacy serious and you can be assured that any information provided by you will be kept confidential.

Disclosure & Terms of Use

Introduction
These “Terms of Use” govern your access and use of all websites owned by New American Funding, its affiliates and subsidiaries (as used here ” New American Funding ” refers to New American Funding, its affiliates and subsidiaries, jointly and severally).

Acceptance of Terms
By referencing, using or accessing websites owned by New American Funding, you agree to these “Terms of Use”, including agreeing to indemnify and hold harmless New American Funding from all claims of any nature. These “Terms of Use” may be changed at any time at the sole discretion of New American Funding.

Products and Services
Home Mortgage products and services are offered through New American Funding. Not all products and services described are available in all states of the USA, or elsewhere in the world.

Intellectual Property, Logo Licensing and Links
Copyright 2009, New American Funding. All rights reserved. Materials and intellectual property found on websites owned by New American Funding are protected by copyright and other intellectual property laws and treaties in the United States and worldwide. Trademarks, service marks and logos used on websites owned by New American Funding , registered and unregistered, are subject to United States trademark law. You may not copy, reproduce, modify, store, transmit, or distribute any part of intellectual property, trademarks, service marks or logos found on websites owned by New American Funding without specific written consent from New American Funding.

Calculators/calculations
Content contained in websites owned by New American Funding should not be construed to be legal or financial advice. Users are responsible for obtaining their own competent legal and financial advice from qualified providers at their own expense.

Mortgage calculators/calculations which may be provided within websites owned by New American Funding are provided solely for estimation and are hypothetical. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any financial decisions.

Secure Websites
By using, accessing or attempting to access websites owned by New American Funding that require the use of Passwords or any other method of authentication or any combination of authentication methods (these are defined as “secure websites”), you are certifying you are the person legally associated with the passwords or method(s) of authentication being used. Unauthorized access, attempted access, use or attempted use of secure websites owned by New American Funding is prohibited and may violate federal and/or state law. Unauthorized access, attempted access, use, or attempted use of secure websites owned by New American Funding may be reported to law enforcement.

Links to Other Sites – Limitation of Liability
New American Funding may provide links to or from other web sites that New American Funding does not have control over. You agree that New American Funding is not responsible for any liability resulting from the access or use of sites not owned by New American Funding. You also agree that New American Funding is not responsible for any content, advertising, or products available through these websites. Further, you agree that New American Funding shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of websites New American Funding owns.

Monitoring and Blocking
New American Funding reserves the right to monitor your access and use of its websites without notification to you. New American Funding may record or log your use in a manner as set out in New American Funding’s Privacy Policy. You agree that New American Funding reserves the right to terminate and/or block your use or access of its websites for any reason without prior notice to you.

Indemnification
By linking, referencing, using or accessing websites of New American Funding, you agree to these “Terms of Use”, including agreeing to defend, indemnify and hold harmless New American Funding, its officers, directors, employees, agents, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these “Terms of Use”.

LIMITATION OF LIABILTY
YOU AGREE THAT YOUR ACCESS TO, AND USE OF, WEBSITES OWNED BY NEW AMERICAN FUNDING AND THE CONTENT THEREOF IS AT YOUR RISK. YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL AMERICAN FUNDING BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEBSITES OF AMERICAN FUNDING OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of New American Funding is limited to the greatest extent permitted by law.

Governing Law; Severability
These “Terms of Use” are governed by the laws of the State of California with jurisdiction and venue being in Orange County, California. You agree that you’re referencing, using or accessing websites of New American Funding constitutes your acceptance of the jurisdiction of State or Federal courts in Orange County, California and that legal action may be brought against, or by, you must be brought in State or Federal courts in Orange County, California.

In the event any of the provisions of these “Terms of Use” shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.