WEBSITE OWNERSHIP

This website is owned by First Securities Financial Services, 30150 Telegraph Rd., Suite 320, Bingham Farms, MI 48025, which will be referred to as “1st Securities Mortgage” “we” “us” or “our”.

PERMITTED USE

You acknowledge and agree that you are solely responsible and liable for your use of this website, and for maintaining any hardware, software, electrical power, Internet service, or other products or services necessary to use the website.

By using this website you are agree:

• To be governed by these Terms of Use each time you access and use the website
• To only access or use this website if you are at least 18 years old
• To only use this website to conduct mortgage banking related business with us as a bona fide client with 1st Securities financial.

You agree that you will not use the website in a way that:

• Interferes or breach the contractual relationship between 1st Securities Mortgage and our employees
• Are unlawful or prohibited, or that is harmful or destructive
• That transmits advertisements, solicitations, or unsolicited commercial communications.
• Transmits harmful or disabling computer code or viruses
• Harvests emails from this websites
• Transmits unsolicited emails to this site or anyone whose email is included under the domain name.
• Interferes with our network services.
• Attempts to gain unauthorized access to network services.
• Suggests an express or implied affiliation or broker relation with 1st Securities Mortgage without our express written permission.
• Interferes with our operation of the website or another person’s access to it
• Manipulates the results of any Internet search engine
• Unlawfully impersonates or misrepresents your affiliation with any person or entity
• Harms minors in any way including but not limited to transmitting child pornography
• Transmits pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or objectionable content
• Harms, threatens, harasses, abuses, or intimidates another person in any way
• Advocates, promotes, encourages, or depicts unlawful activities
• Dilutes or depreciates our name or reputation
• Infringes on a third party’s intellectual property rights or privacy rights
• Unlawfully transmits confidential, proprietary, or trade secret information.

We reserve the right to deny your access to the website at our sole discretion without notice to you.

INTELLECTUAL PROPERTY RIGHTS

We reserve all intellectual property rights connect to the names “1st Securities Financial” and “1st Securities Mortgage”. All other marks used on this website are the property of their respective owners.

You acknowledge and agree that:

• All content, web pages, source code, information, layout, screen interfaces, “look and feel” and operation of this website is is protected by intellectual property law, included to copyrights, patents, trade secrets, trademarks, and service marks.
• All rights associated with the content of these web pages are owned by 1st Securities Mortgage, its licensors, and content providers.

By using this website or downloading any content you do not acquire any ownership rights. You agree not to copy, reproduce, or distribute any web page or web content in any way. This includes creating derivative content.

You may not use web page content, domain names, or email addresses connected to this website or trade marks as meta-tags or hidden text, as part of a marketing directory, index, or triggering term, as content or advertising on any other website, or as a part of any algorithm causing another browser to appear on, over, or at the same time as the website.

SUBMISSIONS

You agree that all submissions made through this site become and remain our exclusive property. You forever disclaim any proprietary rights in submissions including comments, improvements, suggestions, or ideas.

TESTIMONIALS

We love when our clients submit testimonials. However, if you do, you agree that they become and remain our exclusive property. You grant us the unrestricted right to use your statement, image, and likeness in connection with any advertisement or publicity, on this website or elsewhere. We may use a portion of your testimonial, and may exclude your name or create a fictitious name.

LINKS

We may provide links to other websites. Except where otherwise stated, we do not endorse, approve, sponsor, or control those websites or the businesses connected to them. We will not be responsible or liable to you for any damages or claims resulting from your use of other websites’ content.

We do not permit third party advertising on the website without written permission. You may not create links from any website to this website without written permission.

REVISIONS AND MODIFICATIONS

We may revise these Terms of Use at any time without notice. You agree you will still be bound by those revised Terms of Use as they appear when you access the website. All other content on this website may also be updated and revised without notice. Individual modifications may not be altered by contract unless permitted in writing.

LOCATIONS

1st Securities Mortgage operates this website from within the United States of America. We provide information regarding services in states Michigan, Georgia, and Florida. We make no representation that these products or services will be available anywhere outside our operational area. You are responsible for compliance with all federal, state, and local laws that apply to your use of this website.

PRIVACY & SECURITY

For information about how we use and protect your personal information, please read our Privacy & Security Policies.

INDEMNIFICATION

If you take any unauthorized use of our website that violate these Terms of Use and result in unlawful actions, you may be responsible for damages you cause to us. You agree to indemnify 1st Securities Mortgage and its affiliates, vendors, and licensors, and all employees, officers, directors, agents, and representatives. You will hold all of them harmless from all costs, claims, damages, expenses, or other losses including attorney fees and court cost related to your use of the website and breach of Terms of Use.

DISCLAIMERS

The content of this website are provided “as is” without any warranty, expressed or implied. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, or non-infringement, to the fullest extent permissible by law. The content of this website could including inaccuracies or typographical errors, or could become outdated after publication. We have no obligation to maintain the currency or accuracy of our web content.

We will not be responsible for the results of any defects in this website or its operation. We expressly disclaim all warranties that the operation of the website will meet users’ requirements, that access will be uninterrupted, timely, secure, free of errors, viruses, or harmful components, or that defects will be corrected. You will bear the cost of any repair or restoration necessary as a result of your use of the website.

Under no circumstances will we be liable to you or any other person for damages or injury caused by error, inaccuracy, omission, interruption, defect, failure of performance, delay in operation or transmission, virus, or problem resulting from the use or inability to use this website, either under breach of contract or negligence theories. You agree we will not be liable even if our authorized representatives have been advised that such damages may occur.

We may not be legally allowed to exclude certain warranties or limitations on liability for incidental or consequential damages. In that case, those limitations may not apply to you. However, in no case will our liability to you exceed the amount you paid, if any, in using the website or its contents.

ADDITIONAL TERMS

Certain parts of this website and 1st Securities Mortgage products and services may be subject to additional terms, conditions, and disclaimers, not included here. You agree to comply with those additional terms, conditions, and disclaimers.

GOVERNING LAW

These Terms of Use are governed and construed according to Michigan law. Any lawsuit or claim shall only be filed in a state court in Oakland County Michigan or a federal court in the Western District of Michigan. You consent to submit to personal jurisdiction of those courts for the purpose of litigating any such action.

SEVERABILITY

If any of these Terms of Use are unlawful, void, or unenforceable, that provision will be severed from the other provisions of these Terms of Use and the rest shall remain valid and enforceable.