River Bend Home Loans makes information available on this web site, subject to the following terms and conditions. By accessing this site, you agree to these terms and conditions. River Bend Home Loans reserves the right to change these terms and conditions, and the information, services, and programs mentioned in this site at any time, at its sole discretion, without notice. River Bend Home Loans reserves the right
to seek all remedies available by law and in equity for any violation of these terms and conditions. Any rights not expressly granted herein are reserved.

This web site can be accessed across the country and may contain references to River Bend Home Loans services, programs, and products that are not applicable or allowed in your state. River Bend Home Loans makes no representation that information on this web site are appropriate or available for use in all states. Those who access this site do so on their own initiative and are responsible for compliance with all terms and conditions expressed in the individual software programs or by the associated companies, and all applicable laws.

Appropriate Conduct and Prohibited Uses:
You agree that You are responsible for your own conduct and content while using the Service and for any consequences thereof. You agree to use the Service only for purposes that are legal, proper and in accordance with these Terms of Use and any applicable policies or guidelines. By way of example, and not as a limitation, You agree that when using the Service, you will not:
• Copy, reproduce, modify, use, republish, upload, post, publish, license, create derivative works from, transmit or distribute in any way material from the Web Site without express written permission;
• defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
• upload, post, email or transmit or otherwise make available any inappropriate, defamatory, infringing, obscene, or unlawful Content;
• upload, post, email or transmit or otherwise make available any Content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless You are the owner of the Rights or have the permission of the owner to post such Content;
• upload, post, email or transmit or otherwise make available messages that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, these Terms of Service or any applicable policies or guidelines.
• download any file posted by another that You know, or reasonably should know, that cannot be legally distributed in such manner;
• impersonate another person or entity, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material;
• restrict or inhibit any other user from using and enjoying Site Owners and/or River Bend Home Loans VMC services;
• use services for any illegal or unauthorized purpose;
• interfere with or disrupt services or servers or networks connected to Site and/or River Bend Home Loans services, or disobey any requirements, procedures, policies or regulations of networks connected to Site and/or River Bend Home Loans services;
• use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of services or collect information about users for any unauthorized purpose;
• submit Content that falsely expresses or implies that such Content is sponsored or endorsed by River Bend Home Loans;
• create user accounts by automated means or under false or fraudulent pretenses;
• promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual; or
• transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.
• Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained from the Site and/or River Bend Home Loans Web Sites. This includes among other activities, using "framing, scraping, screen scraping, database scraping, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without express written permission.
• Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited.
• Users agree to comply with their own local rules regarding online conduct and acceptable content, including laws regulating the export of data. Site use is restricted to real estate mortgage activities.

Rates Mortgage Tools / Market Volatility
These are calculation tools, not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary. The Site Owner cannot guarantee the accuracy of published rates. Site Owner is not liable for changes in the market that change buyer/seller conditions.

Warranties and Disclaimers; Liability Limitations
EXCEPT AS EXPRESSLY PROVIDED OTHERWISE IN AN AGREEMENT BETWEEN YOU AND River Bend Home Loans, ALL INFORMATION ON THIS WEB SITE IS PROVIDED "AS IS" AND “WITH ALL FAULTS” AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, River Bend Home Loans DISCLAIMS ALL OTHER REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEB SITES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ITS PERFORMANCE, ITS NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, OR THE RESULTS OBTAINED BY USING THE WEB SITES. THE COMPANY DOES NOT WARRANT THAT THE WEB SITES ARE FREE FROM BUGS, VIRUSES, ERRORS OR OTHER PROGRAM LIMITATIONS. WITHOUT WARRANTY OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, OR NON-INFRINGEMENT. River Bend Home Loans ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION OR SOFTWARE OR OTHER DOCUMENTS OR COMPANIES WHICH ARE REFERENCED BY OR LINKED TO THIS WEB SITE. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SITE OWNER, ALM OR THROUGH OR FROM ALM SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE. IN NO EVENT SHALL River Bend Home Loans BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION, THOSE RESULTING FROM: (1) RELIANCE ON THE MATERIALS PRESENTED, (2) COSTS OF REPLACEMENT GOODS, (3) LOSS OF USE, DATA OR PROFITS, (4) DELAYS OR BUSINESS INTERRUPTIONS, (5) AND ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION OR COMPANIES WHETHER OR NOT River Bend Home Loans HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THIS WEB SITE COULD INCLUDE UNINTENTIONAL TECHNICAL OR OTHER INACCURACIES. CHANGES ARE CONSISTENTLY MADE TO THE INFORMATION HEREIN. HOWEVER, River Bend Home Loans MAKES NO COMMITMENT TO UPDATE MATERIALS ON THIS SITE.

TRADEMARK

Equity One Mortgage, and the Equity One Mortgage Logo, is a registered trademark
and the sole property of Equity One Mortgage. Equity One Mortgage considers its trademarks and service marks to be among its most valuable intellectual property assets, and intends to take all appropriate measures to preserve the strength of and retain its exclusive rights to its use.

PRIVACY POLICY
We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.
• We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, plus virus and use detection software.
• We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
• Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
Our policy which governs the conduct of all of our employees requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.