ATTENTION: PLEASE READ ALL OF THE FOLLOWING TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THIS WEBSITE. USING THIS WEBSITE INDICATES YOUR AGREEMENT AND ACCEPTANCE OF THESE TERMS. IF YOU DO NOT AGREE TO OR ACCEPT THESE TERMS, DO NOT USE THIS WEBSITE OR DOWNLOAD MATERIALS FROM THIS WEBSITE.

The Website and its Use
The Velocity Financial Group, Inc. ("Velocity") website is owned and provided by Velocity from its offices in Chicago, Illinois. This website is provided for your personal information and non-commercial use. Please feel free to browse the website; however, your access to and use of the website is subject to these Terms and all applicable laws.

You shall use the website for lawful purposes only. You shall not post or transmit through the website any information or material which violates or infringes, in any way, the rights of others, or which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, harassing, or otherwise objectionable. Nor shall you post or transmit through the website any information or material which encourages conduct that would constitute a criminal offense, give rise to liability or otherwise violate any law or administrative ruling or guidelines, is in violation of these Terms, or which, without Velocity's prior written approval, contain advertising or any solicitation with respect to products or services. Any conduct by you that, in Velocity's opinion, restricts or inhibits any other user from using or enjoying the website will not be permitted.

The website contains information and materials, including but not limited to, text, software, photos, video, graphics and audio (collectively "Materials"), which are derived in whole or in part from information and materials supplied by Velocity and other sources, and are protected by international copyright, trademark and other laws and the entire content of the website is copyrighted as a collective work under the United States Copyright Laws. Velocity owns the copyright in the overall selection, coordination, arrangement and enhancement of such content, and owns the rights in, or license to use, the individual components of such content. Materials may not be copied, reproduced, republished, modified, uploaded, posted, transmitted or distributed in any way or decompiled, reverse engineered or disassembled, including but not limited to the text, images, audio and/or video, as well as any software (including but not limited to any images or files incorporated in or generated by the software or data accompanying such software), except that you may download one copy of the Materials on any single computer for your personal, non-commercial use only, provided you keep intact all copyright, trademark and other proprietary notices and make no change in or deletion of author attribution. This limited authorization is not a transfer of title in the Materials and by your use of the website, you acknowledge that you do not acquire any license, ownership or other rights to the Materials. Modification of the Materials or use of the Materials for any other purpose is a violation of Velocity's or such other sources' copyright, trademark and other proprietary rights and may violate other laws. The use of any such Materials on any other website or networked computer or environment is prohibited without Velocity's express written consent. If you breach any of these Terms, your authorization to use the website automatically terminates and you must immediately destroy any downloaded or printed Materials.

Disclaimer
THIS WEBSITE AND MATERIALS AND RELATED COMMUNICATIONS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILTY, NON-INFRINGEMENT, OR FITNESS FOR PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS OF IMPLIED WARRANTIES MAY NOT BE APPLICABLE UNDER CERTAIN CIRCUMSTANCES. VELOCITY ALSO DOES NOT WARRANT THE ACCURACY OR COMPETENESS OF THE MATERIALS, INCLUDING BUT NOT LIMITED TO THE RELIABILITY OF ANY ADVICE, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. YOU ACKNOWLEDGE BY THE USE OF THE SITE THAT ANY RELIANCE ON ANY SUCH MATERIALS, ADVICE, STATEMENT OR INFORMATION SHALL BE AT YOUR SOLE RISK.

VELOCITY ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEBSITE (INCLUDING ANY BULLETIN BOARD AND CHAT ROOM) OR YOUR DOWNLOADING OF ANY MATERIALS FROM THE SITE.

Third-Party Websites
Velocity may provide as a convenience to you, links to websites operated by other entities and persons, but makes no representations whatsoever about any other website which you may access through this website. Any link to a non-Velocity website does not mean that Velocity endorses or accepts any responsibility for the content, or the use of such website. If you use these other websites, you do so at your own risk. Velocity makes no warranty or representation regarding, and does not sponsor or endorse, any linked websites or the information or materials appearing thereon or any of products and services described thereon. Furthermore, links do not imply that Velocity is affiliated or associated with, or that any linked site is authorized to use any trademark, trade name, logo, or copyright of Velocity.

Third Party Content
Any opinions, statements, services, offers or other information or content expressed or made available in the website by any third party are those of the respective author(s) or distributor(s) and not of Velocity.

Limitation of Liability
Your use and browsing of this website is at your risk. If you are dissatisfied with any of the Materials contained in the website, or with any of these Terms, your sole and exclusive remedy is to discontinue accessing and using the website.

UNDER NO CIRCUMSTANCES WILL VELOCITY, ITS SUPPLIERS OR OTHER THIRD PARTIES MENTIONED AT, OR INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION, COSTS AND EXPENSES OF ANY TYPE INCURRED, LOST PROFITS, LOST DATA OR PROGRAMS, AND BUSINESS INTERRUPTION) ARISING OUT OF YOUR ACCESS TO, USE, INABILITY TO USE OR THE RESULTS OF USE OF THE WEBSITE, ANY WEBSITES LINKED TO THIS WEBSITE, OR ANY MATERIALS CONTAINED AT ANY OR ALL SUCH WEBSITES (INCLUDING BUT NOT LIMITED TO THOSE CAUSED BY OR RESULTING FROM A FAILURE OF PERFORMANCE; ERROR; OMISSION; LINKING TO OTHER WEBSITES; INTERRUPTION; DELETION; DEFECT; DELAY IN OPERATION OR TRANSMISSION; COMPUTER VIRUS; COMMUNICATION LINE FAILURE; OR DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF ANY COMPUTER OR SYSTEM), WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL OR EQUITABLE THEORY AND WHETHER OR NOT VELOCITY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

VELOCITY SHALL HAVE NO LIABLITY OR RESPONSIBILITY FOR ANY ACTS, OMISSIONS, OR CONDUCT OF ANY USER OR OTHER THIRD PARTY.

Information Provided By You
It has been and remains Velocity's policy not to accept or consider ideas, suggestions or materials other than those that Velocity has specifically requested from you. Accordingly, Velocity does not want you to, and you should not, send any confidential or proprietary information to Velocity through the website unless specifically requested by Velocity. Please note that any unsolicited information or material sent to Velocity will be deemed not to be confidential or proprietary. By submitting information and material to the website, you automatically grant to Velocity (or warrant that the owner of such information and material has expressly granted to Velocity) a royalty-free, perpetual, irrevocable, unrestricted, right and license to use, reproduce, display, perform, modify, adapt, publish, translate, transmit and distribute, or otherwise make available to other such information and material (in whole or in part and for any purpose) worldwide and/or to incorporate it in other works in any form, media, or technology now known or hereafter developed. You also agree that Velocity is free to use any ideas, concepts, know-how, or techniques that you send Velocity for any purpose.

As further provided above, Velocity does not want to receive, and you are deemed to covenant and agree through the use of the website not to provide, any information or materials to Velocity that are defamatory, threatening, obscene, harassing, in violation of any law, governmental requirements or otherwise unlawful, or that incorporate the proprietary information or materials of another person or entity.

You shall not upload, post or otherwise make available on the website any information and material protected by copyright, trademark or other proprietary right without the express written permission of the owner of such right(s). You shall be solely liable for any damages resulting from any infringement of copyright, proprietary rights, or any other harm resulting from such a submission.

Changes
Velocity reserves the right, in its sole discretion, to revise these Terms at any time and correct any errors or omissions in any portion of the website and Materials. Materials may also be changed, modified, added, or removed and updated without notice at any time; however, Velocity is under no obligation to update Materials. Velocity may also make changes in the products, services, programs, or prices (if any) described in the website at any time without notice. Your continued use of the website after any change Velocity makes to the website will be considered acceptance of those changes. You should revisit these Terms from time to time to review the then-current Terms because they are binding on you.

Linking to the Website
Anyone linking to Velocity's website must comply with Velocity's guidelines for linking to Velocity's website and all applicable laws.

International Users
The website is administered by Velocity from its offices in the United States. Materials published at the website may refer to products, programs, or services that are not available in your country. Furthermore, Velocity makes no representation that the Materials at the website are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the website or export information and materials in violation of the export laws of the United States or any other country. If you access the website from a location outside of the United States, you are responsible for compliance with all applicable laws.

Governing Law
These Terms shall be governed by the internal laws of the State of Illinois, without giving effect to any principles of conflicts of law. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to these Terms or your use of the Materials and this website shall be filed only in the state or federal courts located in the State of Illinois, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action. If any provision of this Agreement and Terms shall be unlawful, void, or for any reason unenforceable then that provision shall be severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

These Terms constitute the entire agreement between Velocity and you with respect to your use of the website. Any cause of action you may have with respect to your use of the website must be commenced within six (6) months after the claim or cause of action arises.

Termination
Velocity reserves the right, in its sole discretion, to terminate your access to the Materials or to all or part of this website, with or without notice.

For further information, questions or problem reports regarding the Materials or this website, contact info@velocityfg.com.

Privacy:
Velocity is aware of the need to address Internet privacy issues and we believe you should be aware of how we intend to treat any information about you that we might receive on the Internet as a result of your visit to the website.

Information About Velocity On-Line Visitors
You can visit Velocity on the website without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the e-mail addresses, of visitors. In general, we gather information about users of the website collectively in order to determine, for example, which areas users access more frequently and which Materials users access the most. This information helps us to determine what is most beneficial for our users, and how we can continually create a better overall experience for our users by improving the content of the website.

There are times however, when we may need information from you, such as your name and address. Customarily, the personal information Velocity obtains is used only to respond to inquiries, to process transactions or to allow the user to access specific account information. We may also ask you to voluntarily provide us with information for market research such as, your interests, demographics, and experience with our products. Occasionally, we may make the e-mail addresses of those who provide information available to other reputable organizations whose products or services we think you may find interesting.

Cookies
There is a technology called "cookies" which is an element of data that a website can send to your browser which may then store on your system. Some website pages use cookies so that we can better serve you when you return to our website. You can set your browser to notify you when you receive a cookie, giving the chance to decide whether to accept it.

Website Links
Velocity's website may contain links to other websites such as Velocity distributors and sales representatives. While Velocity tries to link only to sites that share its high standards and respect for privacy, Velocity cannot take responsibility for the content or the privacy practices employed by other sites.

Changes
If at anytime Velocity changes its privacy commitment, Velocity will post those changes here so that you will know what information Velocity gathers and how Velocity might use that information.

The Velocity name and logo, and all related product and service names, design marks and slogans are the trademarks or registered trademarks of Velocity Financial Group, Inc. All other product and service marks contained herein are the trademarks of their respective owners. You may not use any Velocity or third party trademarks or logos without the prior written consent of Velocity Financial Group, Inc. or the applicable trademark owner.

Last posted on April 30, 2007.

© 2007 Velocity Financial Group, Inc. All rights reserved.