Important User Information

It gives us great pleasure to welcome you to our Web Site. Atlanta Discount Home Loans, LLC. (“ADHL”) maintains this Web Site to provide you with information about our products and services and to facilitate communication with us. We require that all the visitors to this Web Site adhere to the following rules and regulations. By accessing this Web Site you indicate your acknowledgment and acceptance of these terms and conditions (“Terms of Use”). From time to time ADHL may revise these Terms of Use.

Disclaimer of Warranties

THIS WEB SITE AND INFORMATION ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

ALTHOUGH ADHL MAKES ALL REASONABLE EFFORTS TO INSURE THAT ALL MATERIAL ON THIS WEB SITE IS CORRECT, ACCURACY CANNOT BE GUARANTEED AND WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO ITS ACCURACY. THE INFORMATION CONTAINED AT THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU AGREE THAT ALL ACCESS AND USE OF THIS WEB SITE AND ITS CONTENTS IS AT YOUR OWN RISK. ADHL ASSUMES NO LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED AT THIS WEB SITE AND EXPRESSLY DISCLAIMS ANY RESPONSIBILITY TO UPDATE THE INFORMATION CONTAINED AT THIS WEB SITE. FURTHER, ADHL DOES NOT REPRESENT OR WARRANT THAT THIS WEB SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ADHL SHALL NOT BE LIABLE FOR ANY DAMAGES, SERVICES, REPAIRS OR CORRECTIONS THAT MUST BE PERFORMED ON YOUR COMPUTER CAUSED BY YOUR ACCESS TO OR USE OF THIS WEB SITE.

THE INFORMATION CONTAINED ON THIS WEB SITE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL ADVICE. USERS SHOULD NOT RELY ON IT AS SUCH. NO ONE SHOULD ATTEMPT TO INTERPRET OR APPLY ANY LAW WITHOUT THE AID OF A LICENSED ATTORNEY.

BY ENTERING THIS WEB SITE YOU ACKNOWLEDGE AND AGREE THAT YOUR USE IS AT YOUR OWN RISK AND THAT NONE OF THE PARTIES INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS WEB SITE, INCLUDING BUT NOT LIMITED TO, ADHL, ITS OFFICERS, SHAREHOLDERS AND EMPLOYEES, ARE OR SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES, OR ANY OTHER LOSSES, COSTS, OR EXPENSES OR ANY KIND (INCLUDING LEGAL FEES, EXPERT FEES, OR OTHER DISBURSEMENTS) WHICH MAY ARISE, DIRECTLY OR INDIRECTLY, THROUGH THE ACCESS TO, USE OF, OR BROWSING OF THIS WEB SITE OR THROUGH YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO OR AUDIO FROM THIS WEB SITE, INCLUDING BUT NOT LIMITED, TO ANYTHING CAUSED BY ANY VIRUSES, BUGS, HUMAN ACTION OR INACTION OR ANY COMPUTER SYSTEM, PHONE LINE, HARDWARE, SOFTWARE OR PROGRAM MALFUNCTIONS, OR ANY OTHER ERRORS, FAILURES OR DELAYS IN COMPUTER TRANSMISSIONS OR NETWORK CONNECTIONS.

Links to Third Party Web Sites

This Web Site may contain links to other web sites maintained by third parties. ADHL does not own, operate or endorse these web sites. ADHL is not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with the linked web site, unless specifically stated therein. These links are provided for your convenience and reference only. ADHL has not reviewed all third party web sites linked to this Web Site and is not responsible for the content, accuracy or opinions expressed in any third party web site. ADHL does not make any representations about, accept any liability for, or sponsor any programs, information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from any linked third party web site, nor the quality of any products, information or other materials displayed, purchased or obtained by you therefrom or as a result of an advertisement or offer thereon. Your linking to any other off-site pages or other web sites is at your own risk. By entering this Web Site you acknowledge and agree that ADHL has not reviewed all the web sites linked to this Web Site and is not responsible for the content of any off-site pages or any other web site linked to this Web Site.

Unlawful or Prohibited Use

Your access to and use of this Web Site is subject to these Terms of Use and all applicable local, state and federal laws and regulations. You may not use this Web Site in any manner that could damage, disable, overburden, or impair any ADHL server, or the network(s) connected to any ADHL server, or interfere with any other party's use and enjoyment of this Web Site. You may not attempt to gain unauthorized access to this Web Site, server, accounts, computer systems or networks connected to any ADHL server, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through this Web Site. Unauthorized use of this system is prohibited and violators can be prosecuted under applicable local, state and federal laws. ADHL reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to this Web Site.

Indemnification by User

You agree to indemnify, defend, and hold ADHL, its officers, shareholders and employees harmless from any liability, loss, claim, and expense, including attorney’s fees related to your violation of these Terms of Use.

Availability of Services

Information on this Web Site regarding ADHL’s products and services is not intended to take the place of the agreements governing ADHL’s products and services or ADHL’s disclosures made in accordance with applicable local, state and federal laws and regulations. Information on this Web Site may not apply to all products and services and is current only as of the date posted. ADHL does not undertake any responsibility to update all or any part of such information. Information presented on this Web Site regarding any of ADHL’s products and services is an advertisement and does not constitute an offer or commitment to provide any such product or service. Not all products or services are available in all geographic areas. Eligibility for certain products and services may vary and is subject to final determination and acceptance by ADHL in its sole discretion. All rates, terms and conditions are subject to change without notice. Additional fees, conditions, restrictions and limitations may apply.

Intellectual Property

ADHL is the copyright owner of everything on this Web Site and no portion of this Web Site including, but not limited to, the text, images, audio or video, may be used in any manner, or for any purpose, without ADHL’s express written permission, except as provided for herein. Without in any way waving any of the foregoing rights, you may download one copy of the material on this Web Site for your personal, non-commercial home use only, provided you do not delete or change any copyright, trademark, service mark or other proprietary notices. Modification or use of the material on this Web Site for any other purpose violates ADHL’s legal rights.

By entering this Web Site you acknowledge and agree that any name, logo, trademark, or service mark contained on this Web Site is owned or licensed by ADHL and may not be used by you without prior express written permission. ADHL will aggressively enforce its intellectual property rights to the full extent of the law. Sound, graphics, charts, information, or images of places or people are property of ADHL. Your use of any of these materials is prohibited unless specifically provided for on this Web Site. Any unauthorized use of these materials may subject you to penalties or damages, including but not limited to, those related to violation of trademarks, service marks, copyrights, privacy, and publicity rights.

The following are some of the service marks owned by ADHL: Atlanta Discount Home Loans, LLC.®, ADHL®, ADHL Funding®, Experience the Difference® and the ADHL Funding logo®.

Communications

By entering this Web Site you acknowledge and agree that any communication or material you transmit to ADHL via this Web Site or electronic mail is on a non-confidential basis and may be used by ADHL for any purpose within the limits of our privacy statement including reproduction, publication broadcast and posting.

Governing Law and Jurisdiction

These Terms of Use shall be governed by the laws of the State of Georgia, without regard to conflicts of law provisions. The parties agree that the exclusive jurisdiction of any dispute arising out of, or relating to, these Terms of Use shall be in the state and federal courts located in the county of Cobb, State of Georgia.

Severability

If any provision of these Terms of Use is determined to be unlawful, void or unenforceable, then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability and shall not render invalid the remainder of these Terms of Use.

Modifications

ADHL reserves the right to amend, change, update, revise and/or alter the information contained on this Web Site at any time and for any reason without notice, including but not limited to, information regarding products and services described at this Web Site and these Terms of Use. Any such change will be effective immediately upon posting on this Web Site. By entering this Web Site you acknowledge and agree that you shall be bound by any such amendments, changes, updates, revisions and/or alterations and you agree to review these Terms of Use periodically.

IF YOU DO NOT AGREE WITH ANY PORTION OF THESE TERMS OF USE, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.