Terms of Use

USE RESTRICTIONS:

The Materials contained on this site are protected by copyright laws, international copyright treaties, and other intellectual property laws and treaties. Except as stated herein, these Materials may not be reproduced, modified, displayed or distributed in any form or by any means without Excel Callnet's prior written consent. All Material, trade marks, logos etc., except wherever specified are the sole property of Excel Callnet

Excel Callnet grants permission to download, reproduce, display and distribute the Materials posted on this site solely for informational and non-commercial or personal use, provided that you do not modify such Materials and provided further that you retain all copyright and proprietary notices as they appear in such Materials, unless you subscribe to the paid service which entitles you to use the same, as per the conditions agreed upon at the time of contract.

Excel Callnet Further grants to educational institutions and consultant's permission to download, reproduce, display and distribute the Materials posted on this site solely for use in the classroom, and business presentations provided that such institutions identify Excel Callnet as the source of the Materials and include the following credit line: "Courtesy of Global Business Processing Inc. "Excel Callnet". Unauthorized use of any of these Materials is expressly prohibited by law, and may result in civil and criminal penalties. This permission terminates if you breach any of these terms and conditions. Upon termination you agree to destroy any Materials downloaded from this site.

SPECIFIC NOTICE REGARDING LINKS TO THIRD PARTY SITES:

Certain links provided herein permit you to leave this site and enter non - Excel Callnet sites. These linked sites are not under Excel Callnet control. Excel Callnet is not responsible for the contents of any linked site or any changes or updates to such sites. Excel Callnet is providing these links to you only as a convenience. The inclusion of any link does not imply endorsement by Excel Callnet of any linked site.

Excel Callnet'S PUBLICATION OF INFORMATION REGARDING THIRD-PARTY PRODUCTS OR SERVICES DOES NOT CONSTITUTE AN ENDORSEMENT REGARDING THE SUITABILITY OF SUCH PRODUCTS OR SERVICES OR A WARRANTY, REPRESENTATION OR ENDORSEMENT OF SUCH PRODUCTS OR SERVICES, EITHER ALONE OR IN COMBINATION WITH ANY Excel Callnet. PRODUCT OR SERVICE.

LIMITATION OF LIABILITY:

IN NO EVENT SHALL Excel Callnet OR ITS SUPPLIERS, SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, DAMAGES RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION RESULTING FROM USE OF THIS SITE OR ARISING OUT OF THE USE OR PERFORMANCE OF THE MATERIALS AVAILABLE ON THIS SITE, REGARDLESS OF WHETHER TI OR AN AUTHORIZED TI REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SPECIFIC NOTICE REGARDING SOFTWARE OR SERVICE AVAILABLE ON THIS SITE: Any software or web based application that is made available to download or use from this site ("Software") is copyrighted. Use of this is governed by the terms of the license agreement, if any, that accompanies or is included with such Software or application ("License Agreement"). A user will be unable to install any Software that is accompanied by or includes a License Agreement before first agreeing to the License Agreement terms. Any reproduction or redistribution of the Software not in accordance with the License Agreement is expressly prohibited, and may result in civil and criminal penalties.

WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE WEB APPLICATION TO ANY OTHER LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS PROHIBITED, UNLESS SUCH REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PERMITTED BY THE LICENSE AGREEMENT ACCOMPANYING SUCH SOFTWARE. FOR YOUR CONVENIENCE, Excel Callnet MAY MAKE AVAILABLE ON THIS SITE OR IN ITS SOFTWARE PRODUCTS, TOOLS AND UTILITIES FOR USE OR DOWNLOAD. Excel Callnet DOES NOT MAKE ANY ASSURANCES WITH REGARD TO THE ACCURACY OF THE RESULTS OR OUTPUT THAT DERIVES FROM SUCH USE OF ANY SUCH SOFTWARE PRODUCTS, TOOLS AND UTILITIES.

INDEMNIFICATION:

You agree that you will be personally responsible for your use of the Site and the Service, and that you will indemnify, defend and hold harmless Excel Callnet, and its respective affiliates, employees, officers, and directors from and against any and all claims, liability, losses, damages, costs and expenses (including reasonable attorneys' fees) incurred in connection with your use or alleged use of the Site and/or the Service, your violation of these Terms of Use, and/or any disputes or issues between you and any Carrier. Excel Callnet reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with Excel Callnet's defense of such claim.

LAW AND JURISDICTION:

Excel Callnet makes no representations that materials in the Site are appropriate or available for use in locations other than the United States of America. Access to the Site from any territory where the content is illegal is prohibited. If you choose to access the Site from other locations, you do so at your own risk and are solely responsible for compliance with any and all applicable laws, rules and regulations. The display of the Site alone does not subject Excel Callnet to any specific jurisdiction.

TERMINATION:

You agree that Excel Callnet may, under certain circumstances and without prior notice, immediately terminate your use of the Site and access to the Services. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the service made available from the Site (or any part thereof), (e) unexpected technical or security issues or problems, (f) extended periods of inactivity, (g) engagement by you in fraudulent or illegal activities, and/or (h) nonpayment of any fees owed by you in connection with the services made available from the Site. Further, you agree that all terminations for cause shall be made in Excel Callnet's sole discretion and that Excel Callnet shall not be liable to you or any third party for any termination of your account, any associated email address, or access to the service made available on the Site.

GENERAL:

These Terms of Use are governed by the laws of the State of Illinois. Any claim related to these Terms of Use, or the use of the Site or the Service, shall be governed by, construed and enforced in accordance with the laws of the State of Illinois as applied to agreements made and to be performed entirely therein. You hereby irrevocably consent to the exclusive jurisdiction of courts of the State of Illinois located in the county of San Mateo in all disputes arising out of or relating to the use of the Site and/or the Service. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Excel Callnet as a result of this agreement or use of the Site and/or the Service. Excel Callnet's compliance with these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Excel Callnet's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site and/or the service or information provided to or gathered by Excel Callnet with respect to such use. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect. Unless otherwise specified herein, these Terms of Use constitute the entire agreement between you and Excel Callnet with respect to the Site and/or the service, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Excel Callnet with respect to the Site and/or the service. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

WARRANTIES AND DISCLAIMERS:

Excel Callnet intends for the Materials contained on this site to be accurate and reliable. These Materials may, however, contain technical inaccuracies, typographical errors or other mistakes. Excel Callnet may make corrections or other changes to these Materials at any Time. Excel Callnet and its suppliers reserve the right to make corrections, modifications, enhancements, improvements and other changes to its products, programs and services at any Time or to discontinue any products, programs, or services without notice.

THE MATERIALS ON THIS SITE ARE PROVIDED "AS IS". IT AND ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THESE MATERIALS FOR ANY PURPOSE AND DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THESE MATERIALS, INCLUDING BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF ANY THIRD PARTY INTELLECTUAL PROPERTY RIGHT.

YOU ACKNOWLEDGE AND AGREE THAT THE APPLICATION NOTES, REFERENCE DESIGNS AND OTHER SUCH DESIGN MATERIALS INCLUDED HEREIN ARE PROVIDED AS AN EXAMPLE ONLY AND THAT YOU WILL EXERCISE YOUR OWN INDEPENDENT ANALYSIS AND JUDGMENT IN YOUR USE OF THESE MATERIALS. TI ASSUMES NO LIABILITY FOR YOUR USE OF THESE MATERIALS OR YOUR PRODUCT DESIGNS OR ANY APPLICATIONS ASSISTANCE PROVIDED BY Excel Callnet.

Excel Callnet DOES NOT WARRANT OR REPRESENT THAT ANY LICENSE, EITHER EXPRESS OR IMPLIED, IS GRANTED UNDER ANY PATENT RIGHT, COPYRIGHT, MASK WORK RIGHT, OR OTHER INTELLECTUAL PROPERTY RIGHT OF Excel Callnet COVERING OR RELATING TO THESE MATERIALS OR ANY COMBINATION, MACHINE, OR PROCESS TO WHICH THESE MATERIALS RELATE OR WITH WHICH THESE MATERIALS MAY BE USED.

USE OF THE INFORMATION ON THIS SITE MAY REQUIRE A LICENSE FROM A THIRD PARTY UNDER THE PATENTS OR OTHER INTELLECTUAL PROPERTY OF THAT THIRD PARTY, OR A LICENSE FROM Excel Callnet UNDER THE PATENTS OR OTHER INTELLECTUAL PROPERTY OF Excel Callnet.

PRIVACY POLICY:

Your Privacy is Important to Us

At Excel Callnet, your privacy is of great importance. We understand that you entrust us with your clients' personal information to enable us to prepare mortgage closing documents on their behalf. In exchange for your trust, you expect and deserve our commitment to treat your information with respect. Rest assured that we protect your privacy. Under no circumstances will Excel Callnet sell or share any personal information about you or your clients to or with any person or organization. The Privacy Policy below describes the standards we adhere to in handling information about your document request.

Information We Collect

There are several areas on Excel Callnet website where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you or your clients.

How your information is used

We use the information you provide to prepare closing documents for your clients' mortgage closings. We do not send your clients personal information to any third parties. Excel Callnet may share certain aggregated data with our Investors and other third parties for general marketing and demographic purposes; however, this data DOES NOT include any of your personal identifying information or any of your clients' personal identifying information.

If you have questions or concerns regarding this statement, please contact our Customer Care Department.

If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change. In that case, your ability to opt out of the new policy will be determined by applicable laws and we will include that information in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you.