Privacy Policy & Terms of Use
Thank you for visiting LoanPower.com ("LoanPower.com, “WE” OR “US”) ") Internet website located at the URL https//www.LoanPower.com ("Site"). This Privacy Policy details certain policies implemented throughout LoanPower.com governing LoanPower.com's use of personally identifiable information about users of our Site and users of services available through this Site (the “Services”).

Privacy Policy Updates
Due to the Internet's rapidly evolving nature, LoanPower.com may need to update this Privacy Policy from time to time. If so, LoanPower.com will post its updated Privacy Policy on our Site located at www.LoanPower.com and we may send registered users an email, so you are always aware of what personally identifiable information we may collect and how we may use this information. If any modification is unacceptable to you, you shall cease using this Site and the Services. If you do not cease using this Site and the Services, you will be deemed to have accepted the change.

Information Collection and Use
You can generally visit our Site without revealing any personally identifiable information about yourself. However, in certain sections of this Site and when you use our Services, we may invite you to contact us with questions or comments, request quotes or information, post content and other materials, participate in a user forum or blog, or complete a registration form. Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, email address, phone number), gender, social security number, driver’s license number, income level and other financial information, license information, username, password, age or date of birth and employment information. We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit with your communications to us. Other users will be able to view who has posted certain content or documents.
We may use your personally identifiable information to deliver requested services or information, provide you, or have our third-party service partners (as described in the Disclosure Section below) provide you, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our Site and Services, verify your authority to enter our Site and to improve the content and general administration of the Site and our Services.

Method of Information Collection
Once you land on the Site and are interested in exploring obtaining a mortgage, you will find a form that you may choose to fill in. The information consists of information concerning the value of the mortgage and the value of the security to be offered, employment status and whether you are the subject of bankruptcy and/or foreclosure proceedings and, finally, on the last page, personal details such as name and contact details. Accordingly, the completion of the form involves several distinct and separate phases or stages. After each and every stage, you are required to press a ‘Continue/Next’ button and thereby express your willingness to continue. At the end of the final stage, you are informed that by pressing on the ‘get started’ button you are authorizing LoanPower.com to share the information that you have voluntarily given: ‘By clicking the button above, you acknowledge, consent and agree to the following: a) Our Privacy Policy and consent to receive notices and other communications electronically. b) We take your privacy seriously. You are providing express written consent for LoanPower.com to share your information with up to four (4) of its Network Lenders and for LoanPower.com, parties calling on behalf of LoanPower.com, Network Lenders or authorized third parties on their behalf to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list. c) Consent is not required in order to purchase goods and services from the Lenders that contact you or to utilize LoanPower.com services

If you do not want US to collect personally identifiable information AS EXPLAINED ABOVE, then you should not PRESS THE ‘CONTINUE’ and/OR ‘CLICK TO SUBMIT YOUR REQUEST.

Children's Privacy
LoanPower.com recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children's online activities and interests. This Site is not intended for children under the age of 13. LoanPower.com does not target its Services or this Site to children under 13. LoanPower.com does not knowingly collect personally identifiable information from children under the age of 13.

Cookies
We may use small text files called cookies to improve overall Site experience. A cookie is a piece of data stored on the user's hard drive containing information about the user. Cookies generally do not permit us to personally identify you.

Clear Gifs (Web Beacons/Web Bugs)
We employ [or our third party advertising partner employs] a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie [do not tie] the information gathered by clear gifs to our customers’ personally identifiable information.

Aggregate Information
The Site may track the total number of visitors to our Site, the number of visitors to each page of our Site, browser type, and IP addresses, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Site, track users' movement, and gather broad demographic information for aggregate use.

Disclosure
We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our Services to you. These companies are authorized to use your personal information only as necessary to provide these services to us. We may disclose your personally identifiable information and your communications on this Site when we reasonably believe we are required to do so by law, or when we deem it appropriate or necessary to provide such information to law enforcement authorities. We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which LoanPower.com participates or to a purchaser of all or substantially all of LoanPower.com's assets to which this Site relates. You will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personally identifiable information. When you request a quote, make an inquiry about a loan or certain other mortgage information on this Site, you are expressly choosing to, and opting-in to, have LoanPower.com transfer your personally identifiable information to our third party service partners, such as, and for such third party service partners to provide your personally identifiable information to other businesses who provide financial products or services (such as loans and mortgages) that match your inquiry. The third party service partners may contact you regarding your inquiry and financial products and services.

As stated above, we may share your information with third party service partners when you use our services to request a quote or make an inquiry about a loan or certain other mortgage information on this Site (a "Request"). In the event that you submit a Request, third party service providers may contact you directly with quotes via mail, telephone, text message, fax, email and other means of communication. You understand and acknowledge that you may receive telemarketing calls as a consequence of submitting a Request even if you are on the national ‘Do Not Call’ Registry or on any other do-not-call registry.

If you are matched with third party service partners, you expressly consent to such third party service partners conducting any research necessary to provide you with quotes for your Request. Such third party service partners may need to share your information to conduct such research.

If you do not want third party service partners to conduct the necessary research to provide you with a quote for your Request, then you should not submit a Request.

Please note that if you submit a Request through our Services and we share your information as described above in connection with your Request, you will NOT have the opportunity to opt out of the disclosure of your information in connection with that Request.

If you do not want your information shared as described above, then you should not provide us with your information.

Disclaimer
Please note that no method of transmission or method of electronic storage is fully (100%) secure. We cannot guarantee absolute security. Therefore, notwithstanding anything to the contrary, you use our Services at your own risk and we do not promise or guarantee, and you should not expect, that your information will always remain private. In the event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate your information.

Information You Disclose to Third Parties
You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Links to Third Party Sites
The Site may provide links to other Web sites or resources over which LoanPower.com does not have control ("External Web Sites"). Such links do not constitute an endorsement by LoanPower.com of those External Web Sites. You acknowledge that LoanPower.com is providing these links to you only as a convenience, and further agree that LoanPower.com is not responsible for the content of such External Web Sites. Your use of External Web Sites is subject to the terms of use and privacy policies located on the linked to External Web Sites.

Sharing with Friends
In the event that the Services contain any functionality allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy. We do not store your friend’s email address in our database. Your friend will receive a one-time message notifying them of the shared content.

Security
We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. LoanPower.com may use secure socket layer and other security measures to help prevent unauthorized access to your personally identifiable information.
Additionally, LoanPower.com’s web servers support the Secure Socket Layer (SSL) transaction in order to keep the information passed back and forth between a web server and its users confidential.

Data Retention
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at /contact. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Users Outside of the United States
Some of our computer systems are currently based in the United States, so your personal data will be processed by us in the United States where data protection and privacy regulations may not offer the same level of protection as in other parts of the world, such as the European Union. As a visitor from outside the United States, by using the Site you agree to this Privacy Policy and you consent to the transfer of all such information to the United States, which may not offer an equivalent level of protection of that required in the European Union or certain other countries, and to the processing of that information as described in this Privacy Policy.

Correction/Updating Personally Identifiable Information
LoanPower.com provides you with the ability to review, correct and delete any of your contact information. If you wish to review or correct any contact information you have provided to us, you may access your account online or you may contact us through our contact form. If you have any questions regarding this Privacy Policy please contact us through our contact form.

Special Notification for California Residents -- Your California Privacy Rights
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at webmaster@LoanPower.com.

California privacy rights requests must include the reference "Request for California Privacy Information" on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.

Terms and Conditions
LoanPower.com (“LoanPower.com”, “WE” OR “US”) Internet web site Terms of Use
THE TERMS AND CONDITIONS SET FORTH BELOW (THE "TERMS") GOVERN YOUR USE OF THIS SITE ON THE WORLD WIDE WEB. THESE TERMS ARE A LEGAL CONTRACT BETWEEN YOU AND LOANPOWER.COM AND GOVERN YOUR ACCESS TO, AND USE OF, THE LOANPOWER.COM WEBSITE LOCATED AT THE URL: WWW.LOANPOWER.COM, TOGETHER WITH THE SERVICES AVAILABLE THROUGH THIS SITE (THE “SITE”). IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THIS SITE. YOUR USE OF THIS SITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW. LOANPOWER.COM MAY MAKE CHANGES TO THE CONTENT AND SERVICES OFFERED ON THIS SITE AT ANY TIME. LOANPOWER.COM CAN CHANGE THESE TERMS AT ANY TIME BY POSTING UPDATED TERMS OF USE ON THIS SITE WITH A CHANGE NOTICE AND MAY SEND REGISTERED USERS AN EMAIL NOTICE OF THE CHANGES. IF ANY MODIFICATION IS UNACCEPTABLE TO YOU, YOU SHALL CEASE USING THIS SITE. IF YOU DO NOT CEASE USING THIS SITE, YOU WILL BE CONCLUSIVELY DEEMED TO HAVE ACCEPTED THE CHANGE.

General Use Restrictions.
LoanPower.com provides content and directory services through this Site. Certain information, documents, products, tools and services provided on and through this Site, including content, logos, graphics, widgets and images (together, the “Materials”) that are not Submissions (as defined below) are provided to you by LoanPower.com and are the copyrighted and/or trademarked work of LoanPower.com or LoanPower.com’s contributors or providers.
LoanPower.com grants you a limited, personal, non-exclusive and non-transferable license to (i) use and to display and to make one copy of the Materials (other than the widgets available on this Site) and to use the services and this Site solely for your personal use and (ii) use, reproduce, distribute, publicly perform and publicly display the widgets available on this Site on your website. Except for the licenses set forth in the preceding sentence above, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Materials in any manner.
This limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination of these limited licenses, you agree to immediately destroy any downloaded or printed Materials. Except as stated herein, you acknowledge that you have no right, title or interest in or to this Site or any Materials.

Password Restricted Areas of this Site.
You may need a password to login to this Site and to use certain functions and areas within this Site. You are responsible for maintaining the confidentiality of your password and account and agree to notify LoanPower.com if your password is lost, stolen, or disclosed to an unauthorized third party, or otherwise may have been compromised. You are responsible for all activities that occur under your account. You agree to immediately notify LoanPower.com of any unauthorized use of your account or any other breach of security in relation to this Site known to you.

Privacy Policy.
Your use of this Site is governed by the LoanPower.com Privacy Policy, which is available at /privacy (the “Privacy Policy”).

Third Party Content.
Certain information and other content that are not Submissions may be provided by third party licensors and suppliers to LoanPower.com (“Third Party Content”). The Third Party Content is, in each case, the copyrighted and/or trademarked work of the creator/licensor. You agree to only display the Third Party Content on your personal computer solely for your personal use. You acknowledge and agree that you have no right to download, cache, reproduce, modify, display (except as set forth in this paragraph), edit, alter or enhance any of the Third Party Content in any manner unless you have permission from the owner of the Third Party Content. LoanPower.com DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES AND CONDITIONS WITH REGARD TO THIRD PARTY CONTENT, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Links to Third Party Sites.
This Site may be linked to other sites that are not LoanPower.com sites. LoanPower.com is providing these links to you only as a convenience, and LoanPower.com is not responsible for such linked sites, including, without limitation, the content or links displayed on such sites.

Submissions.
You acknowledge that you are responsible for the information (including, without limitation, rates, APR, and other loan information), opinions, comments and other content or material that you submit, upload, post or otherwise make available on or through the Site, such as in forums, blogs or directories (each a “Submission”) and through the services available in connection with this Site, and that you, and not LoanPower.com, have full responsibility for each such Submission you make, including its legality, reliability, appropriateness, and trademark and copyright ownership. Unless otherwise explicitly stated herein or in the LoanPower.com Privacy Policy, you agree that any Submission provided by you in connection with this Site is provided on a non-proprietary and non-confidential basis. You hereby assign, transfer and convey to LoanPower.com all your worldwide right, title and interest in and to your Submissions, and the complete right to exploit or otherwise use the Submissions or any portion thereof, in any form of medium, expression or technology now known or hereafter known or developed, and all contract and licensing rights. However, LoanPower.com agrees to use all of your Submissions in accordance with LoanPower.com’s Privacy Policy applicable to personally identifiable information.
You further agree that you will not upload, post or otherwise make available on this Site any material protected by copyright, trademark, or any other proprietary right without the express permission of the owner of such copyright, trademark or other proprietary right owned by a third party, and the burden of determining whether any material is protected by any such right is on you. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights, or any other harm resulting from any Submission that you make.
You represent and warrant that: (i) you own all Submissions posted by you on or through this Site or otherwise have the right to grant the ownership to LoanPower.com set forth in this section, and (ii) the posting of your Submissions on or through this Site does not violate the privacy rights, publicity rights, trademark rights, copyrights, contract rights or any other rights of any person or entity. You agree to pay for all royalties, fees, damages and any other monies owing any person by reason of any Submissions posted by you to or through this Site.
When submitting Submissions to or otherwise using this Site and/or the Materials available on or through this Site, you agree not to, without limitation:
• Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Post any false, inaccurate or misleading information.
• Use racially, ethnically, or otherwise offensive language.
• Discuss or incite illegal activity.
• Use explicit/obscene language or solicit/post sexually explicit images (actual or simulated).
• Post anything that exploits children or minors or that depicts cruelty to animals.
• Post any copyrighted or trademarked materials without the express permission from the owner.
• Disseminate any unsolicited or unauthorized advertising, promotional materials, 'junk mail', 'spam', 'chain letters', 'pyramid schemes', or any other form of such solicitation.
• Use any robot, spider, scraper or other automated means to access the Site.
• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure.
• Alter the opinions or comments posted by others on this Site.
• Engage in link spamming or spamdexing of any kind.
This list of prohibitions provides examples and is not complete or exclusive. LoanPower.com reserves the right to (a) terminate your access to your account, your ability to post to this Site (or the services), (b) refuse, delete or remove any Submissions; with or without cause and with or without notice, for any reason or no reason, or for any action that LoanPower.com determines is inappropriate or disruptive to this Site or to any other user of this Site and/or services, and (c) terminate or revoke your license to use the widgets at any time for any reason or for no reason. LoanPower.com may report to law enforcement authorities any actions that may be illegal, and any reports it receives of such conduct. When legally required or at LoanPower.com’s discretion, LoanPower.com will cooperate with law enforcement agencies in any investigation of alleged illegal activity on this Site or on the Internet. On termination or revocation of your license to use the widgets, you shall remove the widgets from your website.
These prohibitions do not require LoanPower.com to monitor, police or remove any Submissions or other information submitted by you or any other user. Please note that there are commercially available services and software to limit access to material that you may find objectionable.

Unauthorized Activities.
Submissions and unauthorized use of any Materials or Third Party Content contained on this Site may violate certain laws and regulations. You agree to indemnify and hold LoanPower.com and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all costs, damages, liabilities, and expenses (including attorneys’ fees and costs of defense) LoanPower.com or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of this Site or the use of this Site by any person using your username and/or password (including without limitation, your participation in the posting areas or, your Submissions) violates any applicable law or regulation, or the copyrights, trademark rights or other rights of any third party.

Proprietary Rights.
Unless otherwise specified in these Terms, all information and screens appearing on this Site, including documents, services, site design, text, graphics, logos, images, and icons, as well as the arrangement thereof, are the sole property of LoanPower.com and are Copyright © 2020. All rights not expressly granted herein are reserved. Except as otherwise required or limited by applicable law, any reproduction, distribution, modification, retransmission, or publication of any copyrighted or registered material or intellectual property is strictly prohibited without the express written consent of the owner or licensee of same. If you use the materials in a way that is not clearly allowed by the terms of these Terms, you are violating your contract with us and may be violating copyright, trademark, and other laws. In this case, we automatically revoke your permission to use the materials and you must immediately destroy any copies you have made.

Copyright and Trademark Infringements.
Notification:
LoanPower.com respects the intellectual property rights of others, and we ask you to do the same. LoanPower.com may, in appropriate circumstances and at our discretion, terminate service and/or access to this Site for users who infringe the intellectual property rights of others. If you believe that your work is the subject of copyright infringement and/or trademark infringement and appears on our Site, please provide LoanPower.com’s designated agent the following information:
• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Identification of the copyrighted and/or trademarked work claimed to have been infringed, or if multiple works at a single online site are covered by a single notification, a representative list of such works at that site.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled at the Site, and information reasonably sufficient to permit LoanPower.com to locate the material.
• Information reasonably sufficient to permit LoanPower.com to contact you as the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted.
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright and/or trademark owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
LoanPower.com’s agent for notice of claims of copyright or trademark infringement on this Site can be reached as follows webmaster@loanpower.com
Please also note that for copyright infringements under Section 512(f) of the Copyright Act, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

Disclaimer of Warranties.
Your use of this Site and/or the services is at your own risk. Neither the Materials, Submissions nor the Third Party Content have been verified or authenticated in whole or in part by LoanPower.com, and they may include inaccuracies or typographical or other errors. LoanPower.com does not warrant the accuracy of timeliness of the Materials, Submissions or the Third Party Content contained on this Site. LoanPower.com has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content, whether provided by LoanPower.com or our licensors.
LoanPower.com, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. LoanPower.com DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.

Limitation of Liability.
LoanPower.com SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM (X) YOUR DISPLAYING, COPYING, OR DOWNLOADING ANY MATERIALS, THIRD PARTY CONTENT OR SUBMISSIONS TO OR FROM THIS SITE OR (Y) FROM ANY THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR UNLAWFUL USE OF YOUR PERSONAL INFORMATION, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION. IN NO EVENT SHALL LoanPower.com BE LIABLE TO YOU FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, EVEN IF LoanPower.com KNOWS THERE IS A POSSIBILITY OF SUCH DAMAGE.

Local Laws; Export Control.
LoanPower.com controls and operates this Site from its headquarters in the United States of America and the Materials, Submissions and/or Third Party Content may not be appropriate or available for use in other locations. If you use this Site outside the United States of America, you are responsible for following applicable local laws.

General.
If you violate these Terms, LoanPower.com may terminate and/or suspend your access to this Site without notice. LoanPower.com prefers to advise you of your inappropriate behavior and to recommend any necessary corrective action. However, certain violations of these Terms, as determined by LoanPower.com, may result in immediate termination of Florida state law and U.S. federal law, without regard to the choice or conflicts of law provisions, will govern these Terms. Any disputes relating to these Terms or this Site will be heard in the courts located in Florida state. If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. LoanPower.com’s failure to enforce any of these Terms is not a waiver of such term. These Terms are the entire agreement between you and LoanPower.com and supersede all prior or contemporaneous negotiations, discussions or agreements between you and LoanPower.com about this Site. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.