- Personal Login Information. Certain features and areas of the ACMA Websites are available only with registration, login. If you are required to register and select a unique login and password ("Personal Login Information"), you must keep your Personal Login Information confidential, including taking appropriate measures to maintain the confidentiality, such as logging off and closing the Internet browser, especially when you are connected to the Internet through an unsecured network or when using a public computer. Your Personal Login Information is personal to you and you may not allow any third party to use it under any circumstances. is not liable for any harm caused by or related to the theft, misappropriation, disclosure, or unauthorized use of your Personal Login Information. You must contact the ACMA immediately if you become aware of or believe there is or may have been any unauthorized use of your Personal Login Information, or otherwise wish to deactivate your Personal Login Information due to security concerns.
- User Obligations. You warrant that you will abide by, without limitation, all applicable local, state, national and international laws and regulations with respect to your use of the ACMA Websites and not interfere with the use and enjoyment of the ACMA Websites by other users or with 's operation and management of the ACMA Websites. You will, at all times, provide true, accurate, current, authorized, and complete information when submitting information or materials on the ACMA Websites, including, without limitation, information required to be provided through an ACMA Website registration form. If any false, inaccurate, untrue, unauthorized or incomplete information is submitted by you, reserves the right to terminate your access and use of the ACMA Websites. You warrant that you will not impersonate any other person or entity, whether actual or fictitious, when using the ACMA Websites, or defame or otherwise harm any party, including , through your use of the ACMA Websites.
- Proprietary Rights. The content of the ACMA Websites includes, without limitation, (i) ACMA's trademarks, service marks, logos, brands, and brand names, trade dress and trade names and other distinctive identification (collectively "ACMA Marks"); and (ii) information, data, materials, interfaces, computer code, databases, products, services, software applications and tools, text, images, photographs, audio and video material, including podcasts, and artwork, and (iii) the design, structure, selection, compilation, assembly, coordination, expression, functionalities, applications, look and feel, and arrangement of any content contained in or available through the ACMA Websites (the items identified in subsections (i) (ii) and (iii) shall be collectively referred to herein as "ACMA Content"). ACMA Content is the property of ACMA, its licensors, sponsors, partners, advertisers, content providers or other third parties and is protected by law including, but not limited to, copyright, trade secret, patent, and trademark law, as well as other state, national and international laws, treaties and regulations. The reproduction, transmission, distribution, sale, publication, broadcast, circulation or dissemination of any ACMA Content by you, or by you through any other person or entity, is prohibited unless express written consent is separately obtained from the or the owner of such content if the is not the owner. For reprints, contact ACMA here. Any use of the ACMA Marks without ACMA's express written consent is strictly prohibited. You may not alter, delete, obscure or conceal any copyright or other notices appearing in the ACMA Content, including any such notices appearing on any ACMA Content you are permitted to download, transmit, display, print, or reproduce from the ACMA Websites.
- Responsibility for Use of the Internet and Websites and Exclusion of Liability. Use of the Internet and the ACMA Websites is solely at your risk and is subject to, without limitation, all applicable local, state, national and international laws and regulations. Unless expressly required by law, the does not guarantee the confidentiality or security of any communication or other material transmitted to or from the ACMA Websites over the Internet or other communication network. shall not be obligated to correct or update the ACMA Websites or the ACMA Content and shall not be liable for omissions, typographical errors, or out-of-date information which may appear on the ACMA Websites.
- No Legal Advice and Disclaimer as to Accuracy of Information. The information on the ACMA Websites and ACMA Content are for informational purposes only, and is not legal advice or a substitute for legal counsel. The information contained in the ACMA Websites and ACMA Content may or may not reflect the most current legal developments; accordingly, information on the ACMA Websites are not promised or guaranteed to be correct or complete, and should not be relied upon as such. As legal advice must be tailored to the specific circumstances of each case, nothing provided on the ACMA Websites or the ACMA Content should be used as a substitute for advice of competent counsel. The materials on the ACMA Websites and ACMA Content do not constitute legal advice and do not necessarily reflect the opinions of ACMA.
- Third Party Information. The ACMA Websites may feature materials, information, products, and services provided by third parties. Any such information, including but not limited to articles, press clippings, opinions, advice, statements, services, offers or other information made available by third parties such as content providers and other users of the ACMA Websites are those of the respective third party and not of ACMA or its affiliates. ACMA makes no representation with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, or reliability of such third party materials, information, services or products.
- Notice For Claims Of Intellectual Property Or Copyright Infringement; Agent For Notice Of Infringement. The respects the intellectual property of others, and, particularly as to user generated content in comments and on discussion boards, as applicable, we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide ACMA's Copyright Agent the following information:
- an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
- a description of the copyrighted work or other intellectual property that you claim has been infringed;
- a description of where the material that you claim is infringing is located on the site
- your address, telephone number, and email address;
- a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
- a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.
The ACMA's Copyright Agent for notice of claims of copyright or other intellectual property infringement can be reached as follows:
The American College of Mortgage Attorneys
Attn: Charles W. L. Deale, FASAE, CAE, Acting Executive Director
9707 Key West Avenue, Suite 100
Rockville, Maryland 20850
By phone: (301) 990-9075
By fax: (301) 990-9771
By email: firstname.lastname@example.org
- Advertisers. The ACMA Websites may contain advertisements of third parties. The inclusion of advertisements on the ACMA Websites does not imply endorsement of the advertised products or services. ACMA shall not be responsible for any loss or damage of any kind incurred as a result of the presence of such advertisements on the ACMA Websites. Further, shall not be responsible or liable for the statements or conduct of any third party advertisers appearing on the ACMA Websites. You shall be solely responsible for any correspondence or transactions you have with any third party advertisers.
- Links to Third Party Websites. The ACMA Websites may provide links (including any link through an on-line banner advertisement) to other sites on the Internet for your convenience. These other sites are maintained by third parties over which ACMA exercises no control. The appearance of any such third party links is not intended to endorse any particular company or product. If you decide to access any of the third party sites linked to the ACMA Websites, you do so entirely at your own risk.
- Links to Websites, Content, Sharing of Content. Links posted by third parties to the ACMA Websites and/or ACMA Content may not use the ACMA trademark or logo and shall not suggest that ACMA promotes or otherwise endorses any third party products, business relationships, services, causes, campaigns, Websites, content, or information. Any links to any portion of the ACMA Websites shall be the responsibility of the linking party. ACMA reserves the right to require any linking party to disable or remove any link that violates ACMA's policies, rights or causes interruption or deterioration of ACMA Content.
You may download or copy ACMA Content and other downloadable items displayed on the ACMA Websites for personal use only, provided that you maintain all copyright and other notices contained therein. Copying or storing of any ACMA Content for other than personal use is expressly prohibited without prior written permission from ACMA, or the copyright holder identified in the copyright notice contained in the ACMA Content.
- Warranties Disclaimed. THE WEBSITES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER ACMA, ITS AFFILIATES, SUBSIDIARIES, EMPLOYEES, OFFICERS, MEMBERS, OR TRUSTEES NOR ANY OF ITS AGENTS, REPRESENTATIVES, SUPPLIERS, ADVERTISERS, CONTRACTORS, PROMOTIONAL PARTNERS, OR LICENSORS (COLLECTIVELY "ACMA PARTIES") PROVIDE ANY EXPRESS OR IMPLIED REPRESENTATION OR WARRANTY OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY REPRESENTATION OR WARRANTY THAT (i) THE ACMA WEBSITES OR ACMA CONTENT, OR ANY RESULTS THAT MAY BE OBTAINED BY YOU, ARE COMPLETE, ACCURATE, RELIABLE OR NON-INFRINGING; (ii) ACCESS TO THE ACMA WEBSITES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE ACMA WEBSITES WILL MEET YOUR EXPECTATIONS; OR (iv) ACMA CONTENT WILL REMAIN UNCHANGED OR ACCESSIBLE ON THE ACMA WEBSITES. ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY.
- Exclusion of and Limitation of Liability. THE ACMA PARTIES SHALL NOT BE LIABLE, AND DISCLAIM ANY LIABILITY, FOR ANY CLAIM, LOSS OR DAMAGE, DIRECT OR INDIRECT, INCLUDING, WITHOUT LIMITATION, COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND WHATSOEVER IN CONNECTION WITH, AS A RESULT OF, OR ARISING (i) OUT OF THE USE OF OR INABILITY TO USE THE ACMA WEBSITES AND/OR ANY ACMA CONTENT; (ii) FROM ANY INTERRUPTION IN THE AVAILABILITY OF THE ACMA WEBSITES AND/OR ACMA CONTENT; (iii) FROM ANY LOSS OF DATA AND/OR FROM ANY EQUIPMENT FAILURE; (iv) OUT OF THE PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES RESULTING FROM ANY PROBLEMS WITH THE GOODS, CONTENT AND/OR SERVICES PURCHASED OR OBTAINED FROM THE ACMA WEBSITES, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE ACMA WEBSITES; (v) FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (vi) FROM STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE ACMA WEBSITES; (vii) FROM ANY DELAY OR FAILURE OF THE ACMA WEBSITES ARISING OUT OF CAUSES BEYOND ACMA'S CONTROL; (viii) OUT OF THE USE OF, REFERENCE TO, OR RELIANCE ON, THE ACMA CONTENT; (ix) OUT OF ANY THIRD PARTY MATERIALS, INFORMATION, PRODUCTS AND SERVICES CONTAINED ON, OR ACCESSED THROUGH, THE ACMA WEBSITES (x) OUT OF ANY CONTENT, MATERIALS, ACCURACY OF INFORMATION, AND/OR QUALITY OF THE PRODUCTS, SERVICES OR MATERIALS PROVIDED BY OR ADVERTISED ON THIRD PARTY WEBSITES; OR (xi) OUT OF ANY OTHER MATTER RELATING TO THE ACMA WEBSITES OR ACMA CONTENT.
- Exclusions permitted by law. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE ABOVE LIMITATIONS IN SECTIONS 17 AND 18 WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND 'S LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Neither party consents or agrees to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with an arbitration on a class or representative basis. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. Any claim or controversy as to the enforceability of this arbitration provision's restriction on your right to participate in or pursue a class-based lawsuit or arbitration shall be brought only in the United States District Court for the District of Maryland or any State of court located in Montgomery County, Maryland.
- Statute of Limitations. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of the ACMA Websites must be filed by you within one (1) year after such claim or cause of action arose or be forever barred.