Terms of Service

SmartFinancial.com Group LLC Terms of Service

Rev. 05/2012

SmartFinancial.com Group LLC owns and operates the www.FreeMortgageRates.com web site.

SmartFinancial.com Group LLC can be contacted at:

SmartFinancial.com Group LLC

FreeMortgageRates.com

309 South Fourth Street

Suite 212

Columbus, Ohio 43215

http://www. FreeMortgageRates.com

Legal Notice

Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on "subsites" within the FreeMortgageRates.com main web site.

SmartFinancial.com Group LLC

SmartFinancial.com Group LLC is the parent company FreeMortgageRates.com, and owns or controls all content within the FreeMortgageRates.com web site, unless otherwise indicated. Unless otherwise indicated, the products and services on the FreeMortgageRates.com web site are available for the U.S. only and not all products or services are available in all locations.

Trademarks/Copyrights
The FreeMortgageRates.com ^TM trade name and associated logos, and combinations of the foregoing are trademarks of SmartFinancial.com Group LLC. All other trademarks, service marks, trade names, logos, and icons, registered or not, are the property of SmartFinancial.com Group LLC , or of third parties and used with the consent of the respective owner(s). Other materials, including video, sound recordings and images, on this web site are a copyright of or proprietary to SmartFinancial.com Group LLC or are used with the consent of the owner(s). The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.

You may copy or print materials from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this web site for any public or commercial purpose except with the prior written consent of SmartFinancial.com Group LLC or the owners of the materials. You may not use the contents from this web site in any other web site or in a network computer environment.

Links

Links from this site to a non-SmartFinancial.com Group LLC site may be provided for users' convenience only. SmartFinancial.com Group LLC does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-SmartFinancial.com Group LLC sites. SmartFinancial.com Group LLC is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such sites. If you decide to access such non-SmartFinancial.com Group LLC sites, you do so at your own risk.

Disclaimer & Limitation of Liability

The materials and services on this web site are provided "as is" and for information purposes only. SmartFinancial.com Group LLC and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. SmartFinancial.com Group LLC and its licensors disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of other's rights. SmartFinancial.com Group LLC does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. SmartFinancial.com Group LLC makes no representation or warranty that all products and services are available in all locations.

In no event shall SmartFinancial.com Group LLC or its licensors be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this web site or the materials or services provided on this web site or the products or services received from this web site. Exemptions of implied warranties may not be allowed in all jurisdictions.

Miscellaneous

This web site and the agreement shall be governed by the laws of the State of Ohio without giving effect to any principles of conflict of laws. If any provision or provisions of this agreement shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and SmartFinancial.com Group LLC arising from your use of this web site shall be brought exclusively in the state or federal courts of competent jurisdiction in Franklin County, Ohio.

Other Agreements

You agree to be bound by all terms and conditions set forth herein. Additionally, you may be required to consent and agree to additional contracts set forth by SmartFinancial.com Group LLC in the event that you enroll in a service provided by SmartFinancial.com Group LLC, including without limitation, a Lead Generation Agreement, Service Provider Agreement, and/or Affiliate Agreement. Such Agreements may contain terms and conditions that augment the terms and conditions set forth herein. Any inquiries regarding this Terms of Service and Privacy Statement and/or other terms and conditions of the SmartFinancial.com services should be directed to help@ FreeMortgageRates.com. Please allow at least ten (10) business days for a reply.

Personally Identifiable Consumer Information & Financial Information

Personally identifiably consumer information collected to process leads may include, but is not limited to, contact information; name, mailing and garaging address, telephone number, fax number and/or email address.

Financial information is collected only from participating lender, agents, brokers and other qualified service providers in our network. Such information is not shared with anyone outside of SmartFinancial.com Group LLC, except the merchant bank for the processing of credit card orders, and as otherwise provided herein.

SmartFinancial.com Group LLC may use information supplied by you to deliver information to you that may be of interest to you or your customers, such as banners, new services and promotions. We may ask you to provide additional information regarding your personal or business interests, experience or requests, which we may use to customize our service for you. We may also use or disclose information to resolve disputes, investigate problems, or enforce agreements between you and SmartFinancial.com Group LLC. We may disclose or access information, whenever we believe in good faith that a law, statute, ordinance, rule, or judgment so requires; if we, within our sole discretion, otherwise consider it necessary to disclose or access such information to maintain and improve our services; or if we believe, in good faith, that such release is reasonably necessary to enforce or apply the terms of any of our user agreements or protect the rights, property or safety of SmartFinancial.com, our customers or third parties. Users can contact SmartFinancial.com to remove certain information from our databases and opt out of future solicitations from us, or to change or modify any information previously provided to us. All disclosures of information by SmartFinancial.com Group LLC shall be to the extent permitted by law.

Information supplied by you shall be stored at SmartFinancial.com Group LLC’s Columbus, Ohio headquarters, or such other locations within the control of SmartFinancial.com Group LLC.

Promotions

To preserve customer’s anonymity and to assure the quality of customer communications, FreeMortgageRates.com provides customers with the opportunity to opt in or out of any further marketing promotions or receiving communications from us, or our partners.

Disclosure to Third Parties
Aggregate statistics about our customers, sales, traffic patterns and related site information may be provided to reputable third parties within the sole discretion of SmartFinancial.com Group LLC, and such statistics will not contain personally identifying or financial information.

Cookies

We may allow outside companies to display ads on our site. These ads may contain pieces of information that a web site transfers to a hard drive for record keeping purposes while at the site.

Third Party Practices

The policies of advertisers, promotional services, or other third parties with information appearing on the SmartFinancial.com web site may differ from ours. We encourage you to read that policy before responding to their communications. SmartFinancial.com Group LLC does not control or review these policies nor does the provision of any link imply an endorsement or association of such non-SmartFinancial.com Group LLC services. SmartFinancial.com Group LLC is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any such services. If you decide to access such non-SmartFinancial.com Group LLC services, you do so at your own risk, and the Disclaimer & Limitation of Liability provisions set forth herein above shall apply to your use of such non-SmartFinancial.com Group LLC services.