LenderNews by Rob Chrisman
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Terms & Conditions

Terms of Use

These Terms of Use were updated effective February, 2013. Click here for a summary of the changes.

Understanding your rights and responsibilities as a LenderNews user

Privacy Reminder

Protect your personal information by never providing social security, credit card or bank account numbers to prospective employers.

Terms of Use

This page states the Terms of Use (“Terms”) under which you (“You”) may use the LenderNews Sites and the Services (each as defined below). These Terms include the LenderNews Privacy Policy, which is incorporated into these Terms by reference.

These Terms constitute a binding agreement between You and LenderNews, Inc. and are deemed accepted by You each time that You use or access any LenderNews Site or LenderNews Services. If You do not accept the Terms stated here, do not use the LenderNews Sites and the LenderNews Services.

The LenderNews Sites are defined as any Web sites under LenderNews™ control, whether partial or otherwise (including, without limitation, LenderNews.com, RobChrisman.com and the Web site from which these terms of use were accessed from) and include the LenderNews Services. The LenderNews Services are defined as the applications and services offered by LenderNews, including an on-line service to post and search employment opportunities and including any mobile or other interface that allows You to access such application (collectively, LenderNews Services).The LenderNews Sites also allow Users to create individual profiles, which may include personal information (Profiles), and to make these Profiles, or aspects thereof, public.

LenderNews may revise these Terms at any time by posting an updated version to this Web page. You should visit this page periodically to review the most current Terms because they are binding on You.

Users who violate these Terms may have their access and use of the LenderNews Sites suspended or terminated, at LenderNews™ discretion.

You must be 13 years of age or older to visit or use any LenderNews Site in any manner, and, if under the age of 18 or the age of majority as that is defined in Your jurisdiction, must use any LenderNews Site under the supervision of a parent, legal guardian, or other responsible adult.

1. Use of LenderNews Content.

LenderNews authorizes You, subject to these Terms, to access and use the LenderNews Sites and the LenderNews Content (as defined below) and to download and print a single copy of the content available on or from the LenderNews Sites solely for Your personal, non-commercial use. The contents of the LenderNews Sites, such as designs, text, graphics, images, video, information, logos, button icons, software, audio files and other LenderNews content (collectively, “LenderNews Content”), are protected under copyright, trademark and other laws. All LenderNews Content is the property of LenderNews or its licensors. The compilation (meaning the collection, arrangement and assembly) of all content on the LenderNews Sites is the exclusive property of LenderNews and is protected by copyright, trademark, and other laws. Unauthorized use of the LenderNews Content may violate these laws and/or applicable communications regulations and statutes, and is strictly prohibited. You must preserve all copyright, trademark, service mark and other proprietary notices contained in the original LenderNews Content on any authorized copy You make of the LenderNews Content.

Any code that LenderNews creates to generate or display any LenderNews Content or the pages making up any LenderNews Site is also protected by LenderNews’ copyright and You may not copy or adapt such code.

You agree not to sell or modify the LenderNews Content or reproduce, display, publicly perform, distribute, or otherwise use the LenderNews Content in any way for any public or commercial purpose, in connection with products or services that are not those of the LenderNews Sites, in any other manner that is likely to cause confusion among consumers, that disparages or discredits LenderNews or its licensors, that dilutes the strength of LenderNews’ or its licensor’s property, or that otherwise infringes LenderNews’ or its licensor’s intellectual property rights. You further agree to in no other way misuse LenderNews Content. The use of the LenderNews Content on any other application, web site or in a networked computer environment for any purpose is prohibited. Any code that LenderNews creates to generate or display any LenderNews Content or the pages making up any Application or Service is also protected by LenderNews’ copyright and you may not copy or adapt such code.

2. Use of the LenderNews Services.

The job posting, resume database (LenderNews Resume Database) and other features of the LenderNews Sites may be used only by individuals seeking employment and/or career information and by employers seeking employees. In addition, LenderNews Networking may be used by individuals for permitted professional and personal networking purposes. Your use of the LenderNews Services is also subject to any other contracts You may have with LenderNews. In the case of any conflict between these Terms and any contract you have with LenderNews, the terms of your contract will prevail. The term post as used herein shall mean information that You submit, publish or display on a LenderNews Site.

All LenderNews Users agree to not:

(a) transmit, post, distribute, store or destroy material, including without limitation LenderNews Content, in violation of any applicable law or regulation, including but not limited to laws or regulations governing the collection, processing, or transfer of personal information, or in breach of LenderNews privacy policy;

(b) take any action that imposes an unreasonable or disproportionately large load on any LenderNews Site’s infrastructure;

(c) use any device to navigate or search any LenderNews Site other than the tools available on the Site, generally available third party web browsers, or other tools approved by LenderNews;

(d) use any data mining, robots or similar data gathering or extraction methods;

(e) violate or attempt to violate the security of any LenderNews Site including attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;

(f) forge any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting;

(g) reverse engineer or decompile any parts of any LenderNews Site;

(h) aggregate, copy or duplicate in any manner any of the LenderNews Content or information available from any LenderNews Site, including expired job postings, other than as permitted by these Terms;

(i) frame or link to any LenderNews Content or information available from any LenderNews Site, unless permitted by these Terms;

(j) post any content or material that promotes or endorses false or misleading information or illegal activities, or endorses or provides instructional information about illegal activities or other activities prohibited by these Terms, such as making or buying illegal weapons, violating someone’s privacy, providing or creating computer viruses or pirating media;

(k) post any resume or apply for any job on behalf of another party;

(l) defer any contact from an employer to any agent, agency, or other third party;

(m) set more than one copy of the same resume to public at any one time;

(n) share with a third party any login credentials to any LenderNews Site;

(o) access data not intended for You or logging into a server or account which You are not authorized to access;

(p) post or submit to any LenderNews Site any incomplete, false or inaccurate biographical information or information which is not Your own;

(q) post content that contains restricted or password-only access pages, or hidden pages or images;

(r) solicit passwords or personally identifiable information from other Users;

(s) delete or alter any material posted by any other person or entity;

(t) harass, incite harassment or advocate harassment of any group, company, or individual;

(u) send unsolicited mail or email, make unsolicited phone calls or send unsolicited faxes promoting and/or advertising products or services to any User, or contact any users that have specifically requested not to be contacted by You;

(v) attempt to interfere with service to any User, host or network, including, without limitation, via means of submitting a virus to any LenderNews Site, overloading, “flooding”, “spamming”, “mailbombing” or “crashing”;

(w) promote or endorse an illegal or unauthorized copy of another person’s copyrighted work, such by as providing or making available pirated computer programs or links to them, providing or making available information to circumvent manufacture-installed copy-protect devices, or providing or making available pirated music or other media or links to pirated music or other media files; or

(x) use the LenderNews Services for any unlawful purpose or any illegal activity, or post or submit any content, resume, or job posting that is defamatory, libelous, implicitly or explicitly offensive, vulgar, obscene, threatening, abusive, hateful, racist, discriminatory, of a menacing character or likely to cause annoyance, inconvenience, embarrassment, anxiety or could cause harassment to any person or include any links to pornographic, indecent or sexually explicit material of any kind, as determined by LenderNews discretion.

Violations of system or network security may result in civil and/or criminal liability. LenderNews will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting Users who are involved in such violations.

You are responsible for maintaining the confidentiality of Your account, Profile and passwords, as applicable. You may not share Your password or other account access information with any other party, temporarily or permanently, and You shall be responsible for all uses of Your LenderNews Site registrations and passwords, whether or not authorized by You. You agree to immediately notify LenderNews of any unauthorized use of Your account, Profile, or passwords.

3. Additional Terms Applicable to Employers.

Employers are solely responsible for their postings on LenderNews Sites. LenderNews is not to be considered to be an employer with respect to Your use of any LenderNews Site and LenderNews shall not be responsible for any employment decisions, for whatever reason, made by any entity posting jobs on any LenderNews Site.

You understand and acknowledge that if You cancel Your employer account or Your employer account is terminated, all Your account information from LenderNews, including saved resumes, network contacts, and email mailing lists, will be marked as deleted in and may be deleted from LenderNews’ databases. Information may continue to be available for some period of time because of delays in propagating such deletion through LenderNews’ web servers.

In order to protect our LenderNews Community Users from commercial advertising or solicitation, LenderNews reserves the right to restrict the number of e-mails which an employer may send to Users to a number which LenderNews deems appropriate in its sole discretion.

Candidate profiles derived from User Content may also be made available through the Sites. LenderNews does not make any representations regarding the accuracy or validity of such derived works or their appropriateness for evaluation by employers. Derived profiles may vary significantly from User Content.

Job postings

A Job posting may not contain:

(a) any hyperlinks, other than those specifically authorized by LenderNews;

(b) misleading, unreadable, or “hidden” keywords, repeated keywords or keywords that are irrelevant to the job opportunity being presented, as determined in LenderNews reasonable discretion;

(c) the names, logos or trademarks of unaffiliated companies other than those of your customer save where expressly agreed by LenderNews;

(d) the names of colleges, cities, states, towns or countries that are unrelated to the posting;

(e) more than one job or job description, more than one location, or more than one job category, unless the product so allows;

(f) inaccurate, false, or misleading information; and

(g) material or links to material that exploits people in a sexual, violent or other manner, or solicits personal information from anyone under 18.

You may not use Your LenderNews job posting or LenderNews Networking to:

(a) post jobs in a manner that does not comply with applicable local, national and international laws, including but not limited to laws relating to labor and employment, equal employment opportunity and employment eligibility requirements, data privacy, data access and use, and intellectual property;

(b) post jobs that require citizenship of any particular country or lawful permanent residence in a country as a condition of employment, unless otherwise required in order to comply with law, regulations, executive order, or federal, state or local government contract;

(c) post jobs that include any screening requirement or criterion in connection with a job posting where such requirement or criterion is not an actual and legal requirement of the posted job;

(d) post jobs or other advertisements for competitors of LenderNews or post jobs or other content that contains links to any site competitive with LenderNews;

(e) sell, promote or advertise products or services;

(f) post any franchise, pyramid scheme, “club membership”, distributorship, multi-level marketing opportunity, or sales representative agency arrangement;

(g) post any business opportunity that requires an up front or periodic payment or requires recruitment of other members, sub-distributors or sub-agents;

(h) post any business opportunity that pays commission only unless the posting clearly states that the available job pays commission only and clearly describes the product or service that the job seeker would be selling;

(i) promote any opportunity that does not represent bona fide employment which is generally indicated by the employer’s use of IRS forms W-2 or 1099;

(j) post jobs on any LenderNews Site for modeling, acting, talent or entertainment agencies or talent scouting positions;

(k) advertise sexual services or seek employees for jobs of a sexual nature;

(l) request the use of human body parts or the donation of human parts, including, without limitation, reproductive services such as egg donation and surrogacy;

(m) endorse a particular political party, political agenda, political position or issue;

(n) promote a particular religion;

(o) post jobs located in countries subject to economic sanctions of the United States Government; and

(p) except where allowed by applicable law, post jobs which require the applicant to provide information relating to his/her (i) racial or ethnic origin (ii) political beliefs (iii) philosophical or religious beliefs (iv) membership of a trade union (v) physical or mental health (vi) sexual life (vii) the commission of criminal offences or proceedings or (vii) age.

LenderNews reserves the right to remove any job posting or content from any LenderNews Site, which in the reasonable exercise of LenderNews discretion, does not comply with the above Terms, or if any content is posted that LenderNews believes is not in the best interest of LenderNews.

If at any time during Your use of the LenderNews Services, You made a misrepresentation of fact to LenderNews or otherwise misled LenderNews in regards to the nature of Your business activities, LenderNews will have grounds to terminate Your use of the LenderNews Services.

Resume Database

Use of the LenderNews Resume Database by Employers

You shall use the LenderNews Resume Database as provided in these Terms and in any contract You have with LenderNews. You shall use the LenderNews Resume Database in accordance with all applicable privacy and data protection laws, and You agree You shall not further disclose any of the data from LenderNews Resume Database to any third party, unless You are an authorized recruitment agency, staffing agency, advertising or other agency or using the resume explicitly for employment purposes.

You shall take appropriate physical, technical, and administrative measures to protect the data You have obtained from LenderNews Resume Database from loss, misuse, unauthorized access, disclosure, alteration or destruction. You shall not share Resume Database seat-based license login credentials with any other party, nor share Resume Database pay-per-view license login credentials with any party.

The LenderNews Resume Database shall not be used:

(a) for any purpose other than as an employer seeking employees, including but not limited to advertising promotions, products, or services to any resume holders;

b) to make unsolicited phone calls or faxes or send unsolicited mail, email, or newsletters to resume holders or to contact any individual unless they have agreed to be contacted (where consent is required or, if express consent is not required, who has not informed you that they do not want to be contacted); or

(c) to source candidates or to contact job seekers or resume holders in regards to career fairs and business opportunities prohibited by Section 3.

In order to ensure a safe and effective experience for all of our customers, LenderNews reserves the right to limit the amount of data (including resume views) that may be accessed by You in any given time period. These limits may be amended in LenderNews sole discretion from time to time.

4. Additional terms applicable to Job Seekers.

When You register with any LenderNews Site, You will be asked to create an account and provide LenderNews with certain information including, without limitation, a valid email address (Your “Information”).

Any Profile You submit must be accurate and describe You, an individual person. The Profile requires standard fields to be completed and you may or may not include in these fields any telephone numbers, street addresses, email addresses or other means of contacting You, other than Your last name.

You acknowledge and agree that You are solely responsible for the form, content and accuracy of any resume or material contained therein placed by You on the LenderNews Sites.

LenderNews reserves the right to offer third party services and products to You based on the preferences that You identify in Your registration and at any time thereafter or you have agreed to receive, such offers may be made by LenderNews or by third parties. Please see LenderNews’ Privacy Policy, for further details regarding Your Information.

You understand and acknowledge that You have no ownership rights in Your account and that if You cancel Your LenderNews account or Your LenderNews account is terminated, all Your account information from LenderNews, including resumes, Profiles, cover letters, saved jobs, questionnaires will be marked as deleted in and may be deleted from LenderNews’ databases and will be removed from any public area of the LenderNews Sites. Information may continue to be available for some period of time because of delays in propagating such deletion through LenderNews web servers. In addition, third parties may retain saved copies of Your Information.

LenderNews reserves the right to delete Your account and all of Your Information after a significant duration of inactivity.

5. User Content and Submissions.

You understand that all information, data, text, software, music, sound, photographs, graphics, video, advertisements, messages or other materials submitted, posted or displayed by You on or through a LenderNews Site (“User Content”) is the sole responsibility of the person from which such User Content originated. LenderNews claims no ownership or control over any User Content. You or a third party licensor, as appropriate, retain all patent, trademark and copyright to any User Content you submit, post or display on or through LenderNews and you are responsible for protecting those rights, as appropriate. By submitting, posting or displaying User Content on or through LenderNews, you grant LenderNews a worldwide, non-exclusive, royalty-free, transferable, sub-licensable license to use, reproduce, adapt, distribute and publish such User Content through LenderNews. In addition, by submitting, posting or displaying User Content which is intended to be available to the general public, you grant LenderNews a worldwide, non-exclusive, royalty-free license to reproduce, adapt, distribute and publish such User Content for the purpose of promoting LenderNews and its services. LenderNews will discontinue this licensed use within a commercially reasonable period after such User Content is removed from LenderNews. LenderNews reserves the right to refuse to accept, post, display or transmit any User Content in its sole discretion.

You also represent and warrant that You have the right to grant, or that the holder of any rights, including moral rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to You the right to grant, the license stated above. If You post User Content in any public area of any LenderNews Site, You also permit any User to access, display, view, store and reproduce such User Content for personal use. Subject to the foregoing, the owner of such User Content placed on any LenderNews Site retains any and all rights that may exist in such User Content. LenderNews may review and remove any User Content that, in its sole judgment, violates these Terms, violates applicable laws, rules or regulations, is abusive, disruptive, offensive or illegal, or violates the rights of, or harms or threatens the safety of, Users of any LenderNews Site. LenderNews reserves the right to expel Users and prevent their further access to the LenderNews Sites and/or use of LenderNews Services for violating the Terms or applicable laws, rules or regulations. LenderNews may take any action with respect to User Content that it deems necessary or appropriate in its sole discretion if it believes that such User Content could create liability for LenderNews, damage LenderNews brand or public image, or cause LenderNews to lose Users or (in whole or in part) the services of its ISPs or other suppliers.

LenderNews does not represent or guarantee the truthfulness, accuracy, or reliability of User Content, derivative works from User Content, or any other communications posted by Users nor does LenderNews endorse any opinions expressed by Users. You acknowledge that any reliance on material posted by other Users will be at Your own risk.

The following is a partial list of User Content that is prohibited on the Application. The list below is for illustration only and is not a complete list of all prohibited User Content.

Content that:

  • is implicitly or explicitly offensive, such as User Content that engages in, endorses or promotes racism, bigotry, discrimination, hatred or physical harm of any kind against any group or individual;
  • harasses, incites harassment or advocates harassment of any group or individual;
  • involves the transmission of junk mail, chain letters, or unsolicited mass mailing, spamming or phishing;
  • promotes or endorses false or misleading information or illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
  • promotes or endorses an illegal or unauthorized copy of another person’s copyrighted work, such as providing or making available pirated computer programs or links to them, providing or making available information to circumvent manufacture-installed copy-protect devices, or providing or making available pirated music or other media or links to pirated music or other media files;
  •  contains restricted or password only access pages, or hidden pages or images;
  •  displays or links to pornographic, indecent or sexually explicit material of any kind;
  • provides or links to material that exploits people under the age of 18 in a sexual, violent or other manner, or solicits personal information from anyone under 18; or
  • provides instructional information about illegal activities or other activities prohibited by these Terms, including without limitation, making or buying illegal weapons, violating someone’s privacy, providing or creating computer viruses or pirating any media; and
  •  solicits passwords or personal identifying information from other Users.

Any Profile You submit must describe You, an individual person. Examples of inappropriate and prohibited Profiles include, but are not limited to, Profiles that purport to represent an animal, place, inanimate object, fictional character, or real individual that is not You.

You may not include, in any User Content submitted to LenderNews Networking, information that may be interpreted as a direct solicitation, advertisement or recruitment for an available job position directed to individuals seeking employment on either a full time or part time basis. In order to protect our LenderNews Community Users from commercial advertising or solicitation, LenderNews reserves the right to restrict the number of e-mails or other messages which a User may send to other Users to a number which LenderNews deems appropriate in its sole discretion.

Candidate profiles derived from User Content may also be made available through the LenderNews Sites. LenderNews does not make any representations regarding the accuracy or validity of such derived works or their appropriateness for evaluation by employers. Derived profiles may differ significantly from User Content.

We appreciate hearing from our Users and welcome Your comments regarding our services and the LenderNews Sites. Please be advised, however, that our policy does not permit us to accept or consider creative ideas, suggestions, inventions or materials other than those which we have specifically requested. While we do value Your feedback on our services, please be specific in Your comments regarding our services and do not submit creative ideas, inventions, suggestions, or materials. If, despite our request, You send us creative suggestions, ideas, drawings, concepts, inventions, or other information (collectively the “Submission”), the Submission shall be the property of LenderNews. None of the Submission shall be subject to any obligation of confidentiality on our part and we shall not be liable for any use or disclosure of any Submission. LenderNews shall own exclusively all now known or later discovered rights to the Submission and shall be entitled to unrestricted use of the Submission for any purpose whatsoever, commercial or otherwise, without compensation to You or any other person.

6. Identification Of Agent To Receive Notification And Elements Of Notification Of Claimed Copyright or Trademark Infringement.

If You believe that Your copyrighted work or trademark has been uploaded, posted or copied to any LenderNews Site and is accessible on such LenderNews Site in a way that constitutes copyright or trademark infringement, please contact LenderNews by email at support@LenderNews.com or by regular mail at:

LenderNews, Inc.
Attn: Legal Department
PO Box 18120
Reno, NV 89511

7. Policy Regarding Termination Of Users Who Infringe The Copyright Or Other Intellectual Property Rights Of Others.

LenderNews respects the intellectual property of others, and we ask our Users and content partners to do the same. The unauthorized posting, reproduction, copying, distribution, modification, public display or public performance of copyrighted works constitutes infringement of the copyright owners rights. As a condition to Your use of the LenderNews Sites, You agree not to use any LenderNews Site to infringe the intellectual property rights of others in any way. LenderNews reserves the right to terminate the accounts of any Users, and block access to the LenderNews Sites of any Users who are repeat infringers of the copyrights, or other intellectual property rights, of others. LenderNews reserves the right, in its sole discretion, to take these actions to limit access to the Site and/or terminate the accounts of any time, in our sole discretion Users who infringe any intellectual property rights of others, whether or not there is any repeat infringement, with or without notice, and without any liability to the User who is terminated or to the User whose access is blocked. Notwithstanding the foregoing, in the event that You believe in good faith that a notice of copyright infringement has been wrongly filed against You, please contact the Director of Compliance and Fraud Prevention as set out above.

8. LenderNews’ Liability.

The LenderNews Sites act as, among other things, venues for (i) employers to post job opportunities and search for and evaluate job candidates and (ii) candidates to post resumes and Profiles and search for and evaluate job opportunities. LenderNews does not screen or censor the listings, including Profiles offered. LenderNews is not involved in the actual transaction between employers and candidates. As a result, LenderNews is not responsible for User Content, the quality, safety or legality of the jobs or resumes posted, the truth or accuracy of the listings, the ability of employers to offer job opportunities to candidates or the ability of candidates to fill job openings and LenderNews makes no representations about any jobs, resumes or User Content on the LenderNews Sites. While LenderNews reserves the right in its sole discretion to remove User Content, job postings, resumes or other material from the LenderNews Sites from time to time, LenderNews does not assume any obligation to do so and to the extent permitted by law, disclaims any liability for failing to take any such action.

LenderNews Networking and Company Listings provides a venue for individuals and companies to network for professional and personal purposes and LenderNews does not screen or censor the Profiles or User Content on the LenderNews Sites. LenderNews is not involved in the actual communications between Users. As a result, LenderNews has no control over the accuracy, reliability, completeness, or timeliness of the Profiles or User Content submitted on the LenderNews Sites and makes no representations about any Profile or User Content on the LenderNews Sites.

Note that there are risks, including but not limited to the risk of physical harm, of dealing with strangers, underage persons or people acting under false pretenses. You assume all risks associated with dealing with other users with whom You come in contact through the LenderNews Sites. By its very nature other peoples information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that You will use caution and common sense when using the LenderNews Sites.

Because User authentication on the Internet is difficult, LenderNews cannot and does not confirm that each User is who they claim to be. Because we do not and cannot be involved in User-to-User dealings or control the behavior of participants on any LenderNews Site, in the event that You have a dispute with one or more Users, You release LenderNews (and our agents and employees) from claims, demands and damages (actual and consequential and direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes to the fullest extent permitted by law.

The LenderNews Sites and the LenderNews Content may contain inaccuracies or typographical errors. LenderNews makes no representations about the accuracy, reliability, completeness, or timeliness of any LenderNews Site or the LenderNews Content. The use of all LenderNews Sites and the LenderNews Content is at Your own risk. Changes are periodically made to LenderNews Sites and may be made at any time. LenderNews cannot guarantee and does not promise any specific results from use of any LenderNews Site. No advice or information, whether oral or written, obtained by a User from LenderNews or through or from any LenderNews Site shall create any warranty not expressly stated herein.

If You are a California resident, You waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

LenderNews encourages You to keep a back-up copy of any of Your User Content. To the extent permitted by law, in no event shall LenderNews be liable for the deletion, loss, or unauthorized modification of any User Content.

LenderNews does not provide or make any representation as to the quality or nature of any of the third party products or services purchased through any LenderNews Site, or any other representation, warranty or guaranty. Any such undertaking, representation, warranty or guaranty would be furnished solely by the provider of such third party products or services, under the terms agreed to by the provider.

If You believe that something on the Site violates these Terms please contact our designated agent set forth in Section 7 above.

If notified of any content or other materials which allegedly do not conform to these Terms, LenderNews may in its sole discretion investigate the allegation and determine whether to remove or request the removal of the content. LenderNews has no liability or responsibility to Users for performance or nonperformance of such activities.

9. Disclaimer of Warranty.

TO THE FULLEST EXTENT POSSIBLE BY LAW, LENDERNEWS DOES NOT WARRANT THAT ANY LENDERNEWS SITE OR ANY LENDERNEWS SERVICES WILL OPERATE ERROR-FREE OR THAT ANY LENDERNEWS SITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF ANY LENDERNEWS SITE OR THE LENDERNEWS CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA OR ANY OTHER COSTS, LENDERNEWS IS NOT RESPONSIBLE FOR THOSE COSTS. THE LENDERNEWS SITES AND LENDERNEWS CONTENT ARE PROVIDED ON AN “AS IS” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. LENDERNEWS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. LENDERNEWS MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE LENDERNEWS CONTENT, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

10. Disclaimer of Consequential Damages.

TO THE FULLEST EXTENT POSSIBLE BY LAW, IN NO EVENT SHALL LENDERNEWS, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON ANY LENDERNEWS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA, LOST EMPLOYMENT OPPORTUNITY OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE ANY LENDERNEWS SITE AND THE LENDERNEWS CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT LENDERNEWS IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Limitation of Liability.

TO THE FULLEST EXTENT POSSIBLE BY LAW, LENDERNEWS’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH ANY LENDERNEWS SITE OR YOUR USE OF THE LENDERNEWS CONTENT, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY OR OTHERWISE), WILL NOT EXCEED $100.

12. Links to Other Sites.

The LenderNews Sites contain links to third party Web sites. These links are provided solely as a convenience to You and not as an endorsement by LenderNews of the contents on such third-party Web sites. LenderNews is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If You decide to access linked third-party Web sites, You do so at Your own risk.

13. No Resale or Unauthorized Commercial Use.

You agree not to resell or assign Your rights or obligations under these Terms. You also agree not to make any unauthorized commercial use of any LenderNews Site.

14. Indemnity.

You agree to defend, indemnify, and hold harmless LenderNews, its affiliates, and their respective officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from (i) any User Content or other material You provide to any LenderNews Site, (ii) Your use of any LenderNews Content, or (iii) Your breach of these Terms. LenderNews shall provide notice to You promptly of any such claim, suit, or proceeding.

15. General.

LenderNews makes no claims or representations that the LenderNews Content may be lawfully viewed or accessed outside of the United States. Access to the LenderNews Content may not be legal by certain persons or in certain countries. If You access any LenderNews Site You do so at Your own risk and are responsible for compliance with the laws of Your jurisdiction. Any software downloaded from any LenderNews Site is further subject to United States export control laws, and may not be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods or (ii) to any individual or entity on the U.S. Treasury Departments list of Specially Designated Nationals or the U.S. Commerce Departments Table of Deny Orders. By downloading or using such software, You represent and warrant that You are not located in, under the control of, or a national or resident of any such country, individual, or entity on any such list.

These Terms are governed by the internal substantive laws of the State of Nevada, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within Washoe County, Nevada. If any provision of these Terms are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. In addition, LenderNews failure to enforce any term of these Terms shall not be deemed as a waiver of such term or otherwise affect LenderNews ability to enforce such term at any point in the future. Except as expressly provided in an additional agreement, additional Terms for certain areas of the LenderNews Sites, a particular “Legal Notice,” or software license or material on particular pages on the LenderNews Sites, these Terms constitute the entire agreement between You and LenderNews with respect to the use of the LenderNews Sites. No changes to these Terms shall be made except by a revised posting on this page.

16. Additional Terms.

Certain areas of the LenderNews Sites are subject to additional Terms. By using such areas, or any part thereof, You agree to be bound by the additional Terms applicable to such areas.

17. Mobile Services.

If You use the LenderNews Sites through a mobile device, You agree that information about Your use of the LenderNews Sites through Your mobile device and carrier may be communicated to us, including but not limited to Your mobile carrier, Your mobile device, or Your physical location. In addition, use of the LenderNews Sites through a mobile device may cause data to be displayed on and through Your mobile device. By accessing the LenderNews Sites using a mobile device, You represent that to the extent You import any of Your LenderNews data to Your mobile device that You have authority to share the transferred data with Your mobile carrier or other access provider. In the event You change or deactivate Your mobile account, You must promptly update Your LenderNews account information to ensure that Your messages are not sent to the person that acquires Your old number and failure to do so is Your responsibility. You acknowledge You are responsible for all charges and necessary permissions related to accessing the LenderNews Sites through Your mobile access provider. Therefore, You should check with Your provider to find out if the LenderNews Sites are available and the terms for these services for Your specific mobile devices.

By using any downloadable application to enable Your use of the LenderNews Sites, You are explicitly confirming Your acceptance of the terms of the End User License Agreement associated with the Application provided at download or installation, or as may be updated from time to time.

18. Term and Termination.

These Terms will remain in full force and effect while You are a User of any LenderNews Site. LenderNews reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to removal of Your User Content from the LenderNews Sites and immediate termination of Your registration with or ability to access the LenderNews Sites and/or any other services provided to You by LenderNews, upon any breach by You of these Terms or if LenderNews is unable to verify or authenticate any information You submit to a LenderNews Site registration. Even after You are no longer a User of the LenderNews Sites, certain provisions of these Terms will remain in effect, including Sections 1, 2, 5, 7 through 17, inclusive.