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Legal Information / Terms of Use

Definition

References to ditech throughout this Website mean Ditech Financial LLC (ditech) its affiliates and/or subsidiaries.

Conditions of Use

By using this site, you signify your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. ditech may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.

Disclaimer

The materials on this Website are provided "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ditech does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. ditech does not warrant or make any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not ditech) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites may be available for access through this home page. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent of ditech. ditech does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

Limitation of Liability

While ditech uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions may occur. ditech makes no warranties or representations as to the accuracy of this Website. Under no circumstances, including, but not limited to, negligence by act or omission, shall ditech or any party involved in creating, producing, or delivering this Website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if ditech or a ditech authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall ditech's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this Website.

ditech 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 or your downloading of any materials, data, text, images, video, or audio from this Website.

Restrictions on Use of Materials

This site is owned and operated by ditech. Permission is granted to display and navigate around this Website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this Website or any portion hereof is strictly prohibited.

Except as otherwise permitted by ditech, no materials from this Website or any Website owned, operated, licensed or controlled by ditech may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this Website for public or commercial purposes, including the text, images, audio, and video, without ditech's written permission. ditech neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties not owned by or affiliated with ditech.

Jurisdictional Issues

This Website is controlled and operated by ditech from its offices within the State of Minnesota, United States of America. ditech makes no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. The information contained on this Website is not a commitment or offer to make or a solicitation for a loan. No loan is offered or will be made in any jurisdiction in which such offer or solicitation would be unlawful under the applicable mortgage and consumer lending laws of such jurisdiction. Some loan products or programs may not be available in all states. In addition, any other financial services products that may be referred to on this Website may be offered and sold only to persons in the United States.

Trademarks/Service Marks and Copyrights

Images displayed on this Website are either the property of, or used with permission by, ditech. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by any ditech entity are proprietary to ditech. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Website without the written permission of ditech or such third party that may own the trademarks or service marks displayed on this Website. Your use of the trademarks or service marks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

Inquiries concerning use of ditech trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to:

• Ditech Financial LLC
• Legal Department
• 1100 Viriginia Drive, Suite 100A
• Fort Washington, Pennsylvania 19034
• United States of America

Any communications or material you transmit to this Website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonproprietary and will become the property of ditech. Except for your personal confidential information, such communications or material shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, ditech is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Website for any purpose whatsoever including, but not limited to, developing and marketing products using such information.

Trademarks/Service Mark Notices

Ditech Financial LLC and all other trademarks, service marks, trade names and logos used by ditech or its subsidiaries are registered trademarks or service marks of ditech and/or its subsidiaries.

All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

ditech is very protective of our trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then ditech has applications pending. All use of these marks must be with our permission. ditech will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, ditech would be entitled to collect your profits, our actual damages and, perhaps, including our attorney fees. ditech thanks you for your cooperation.

Testimonial Disclosure

Comments (i) have been submitted by correspondent lenders voluntarily, (ii) are solely the views of such correspondent lenders, and (iii) have been screened in accordance with Ditech guidelines prior to publication. These correspondent lenders do business with Ditech but were not compensated for their comments. They were informed that their comments may be used in Ditech advertising. The experiences of these correspondent lenders are not meant to suggest future performance and may not be representative of your experience.