TERMS AND CONDITIONS FOR USE OF THE Wolff Financial Services, Inc. WEB SITE BY VISITING OR USING THE Wolff Financial Services, Inc. ® WEB SITE, OR ANY PAGE OF THE WWW.WolffFinancial.com WEB SITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE, AND THAT SUCH AGREEMENT CONSITUTES A BINDING CONTRACT BETWEEN YOU AND Wolff Financial Services, Inc.. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE THE WolffFinancial.COM WEB SITE OR ANY PAGE OF THE WolffFinancial.COM WEB SITE. TERMS AND CONDITIONS FOR USE Definitions As used in this contract: (a) the term "Agreement" refers to this contract; (b) the terms "you" and "yours," refer to you, a visitor to the Wolff Financial Services, Inc. web site, as well as anyone you authorize to visit the Wolff Financial Services, Inc. web site on your behalf; (c) the terms "Wolff Financial Services, Inc.," "we," and "our" and "ours" refer to Wolff Financial Services, Inc. and any affiliates of Wolff Financial Services, Inc. whose products or services are offered on the Wolff Financial Services, Inc. web site; and (d) the term " Wolff Financial Services, Inc.mortgage.com Web Site" refers to the web site located at www.ameriquestmortgage.com and related pages, or any linked pages and web sites hosted or sponsored by Wolff Financial Services, Inc.. Privacy Policy Wolff Financial Services, Inc. is committed to maintaining the privacy and security of any and all information that you provide to Wolff Financial Services, Inc. through the Wolff Financial Services, Inc.mortgage.com Web Site. To that end, Wolff Financial Services, Inc. urges you to review the Wolff Financial Services, Inc. Privacy Policy, which may be accessed by clicking on the following link: PRIVACY POLICY. Please note that privacy policies of Wolff Financial Services, Inc.'s affiliates or third parties may apply to information you provide on the Wolff Financial Services, Inc.mortgage.com Web Site. In addition, web sites linked to the Wolff Financial Services, Inc.mortgage.com Web Site may have separate privacy policies. Use And Limitations Of The Wolff Financial Services, Inc.mortgage.com Web Site Except where we specify otherwise, Wolff Financial Services, Inc. offers you access to the WolffFinancial.com Web Site solely for your personal and non-commercial uses. You promise that you will not use the WolffFinancial.com Web Site, in whole or in part, for any purpose that is unlawful or prohibited by this Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the WolffFinancial.com Web Site. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other similar activity. You agree that you will not use the WolffFinancial.com Web Site in any manner that could damage, disable, overburden, or impair the WolffFinancial.com Web Site or interfere with any other party's use and enjoyment of the WolffFinancial.com Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the WolffFinancial.com Web Site. If and when requested by WolffFinancial.com, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of WolffFinancial.com, you agree that you will not access or attempt to access password protected, secure or non-public areas of the WolffFinancial.com Web Site. You agree that Wolff Financial Services, Inc. may in its sole discretion and at any time terminate your access to and use of the WolffFinancial.com Web Site, or any part thereof, with or without notice. The WolffFinancial.com Web Site contains content and information originated by Wolff Financial Services, Inc., affiliates of Wolff Financial Services, Inc. or unaffiliated third parties. Wolff Financial Services, Inc. makes available such content and information through the WolffFinancial.com Web Site as a public service, for the sole purpose of aiding you, the individual consumer. Wolff Financial Services, Inc., therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. This means, for example, that all of the information and materials contained in the WolffFinancial.com Web Site-including any terms and conditions necessary to obtain a loan or other products or services-are subject to change at any time. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Wolff Financial Services, Inc. determination and acceptance. E-Signatures and Communications All electronic communications, including any electronic signatures or identifiers of Wolff Financial Services, Inc., are being transmitted solely for informational purposes. By making an electronic communication, Wolff Financial Services, Inc. specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including loan approval, and does not intend that the electronic communication, or any related or associated electronic media or data, to constitute, or to be deemed to constitute, an electronic signature pursuant to any state or federal law or regulation that authorizes the use of electronic signatures. Trademarks, Service Marks And Copyright Copyright in the WolffFinancial.com Web Site, and in the information and material therein and in their arrangement, is owned by Wolff Financial Services, Inc. unless otherwise indicated. Wolff Financial Services, Inc.®, Wolff Financial Services, Inc.® and the bell logo are federally registered service marks of Wolff Financial Services, Inc.. Wolff Financial Services, Inc. also claims trademark and service mark rights in other marks contained in the WolffFinancial.com Web Site. If you wish to inform Wolff Financial Services, Inc. of any content that may indicate copyright infringement by any person or entity, pursuant to Title 17, United States Code, Section 512(c)(2), or trademark or service mark infringement pursuant to Title 15, United States Code, Sections 1114 and 1116, please forward your notification to: General Counsel Wolff Financial Services, Inc. 5555 Harold Way., Suite 310 Los Angeles, CA 90028 Disclaimer YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING, BUT NOT LIMITED TO, CONTENT PROVIDED BY Wolff Financial Services, Inc., AN Wolff Financial Services, Inc. AFFILIATE OR A THIRD PARTY THROUGH THE WolffFinancial.com WEB SITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Wolff Financial Services, Inc. MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. Wolff Financial Services, Inc. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Wolff Financial Services, Inc. SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WolffFinancial.com WEB SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND 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. Indemnification YOU AGREE TO INDEMNIFY AND HOLD Wolff Financial Services, Inc. AND ITS, SUPPLIERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, INFORMATION PROVIDED VIA THE WolffFinancial.com WEB SITE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THE WolffFinancial.com WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Wolff Financial Services, Inc., ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME. IN NO EVENT SHALL Wolff Financial Services, Inc., Wolff Financial Services, Inc.'S AFFILIATES OR THIRD PARTIES, INCLUDING SUPPLIERS, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WolffFinancial.com WEB SITE, WITH THE DELAY OR INABILITY TO USE THE WolffFinancial.com WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WolffFinancial.com WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WolffFinancial.com WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Wolff Financial Services, Inc., Wolff Financial Services, Inc.'S AFFILIATES OR ANY THIRD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WolffFinancial.com WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WolffFinancial.com WEB SITE. Without limiting the foregoing, you agree to indemnify, defend and hold harmless Wolff Financial Services, Inc., its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement. MISCELLANEOUS This Agreement is governed by the laws of the State of California. You agree and consent to the exclusive jurisdiction and venue of courts sitting in California, County of Orange and/or Central District of California in all disputes arising out of or relating to the use of the WolffFinancial.com Web Site. Use of the WolffFinancial.com Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and WolffFinancial.com as a result of this Agreement or use of the WolffFinancial.com Web Site. If any part of this Agreement 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 the Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between you and Wolff Financial Services, Inc. with respect to the WolffFinancial.com Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Wolff Financial Services, Inc. respect to the WolffFinancial.com Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.