Use of Site
ATTENTION: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEB SITE. USING THIS WEB SITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS (“TERMS”), DO NOT USE THIS SITE.
Universal and UFG Mortgage Corporations (“Universal”) authorizes you to view and download the materials at this web site and other Universal web sites that are linked to this site or affiliated with this site (“Site”), under the condition that all the information, communications, software, scripting, photos, text, video, graphics, sounds, images and other materials and services found on the Site (collectively “Content”), is intended only for your personal, non-commercial use, and provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials. You may not modify the Content at this Site in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose. For purposes of these Terms, any use of this Content on any other web site or networked computer environment for any purpose is prohibited.
Copyright Notice
Copyright 2007 Universal and UFG Mortgage Corporations. All rights reserved. The copyright in all material provided within the Site is held by Universal or is used under license from the original creator of the work. Except as stated herein or otherwise noted on the web pages within the Site, none of the Content may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise without the prior written permission of the copyright owner.
Trademarks and Service Marks
There are a number of proprietary logos, service marks, trademarks, slogans and product designations found on this Site. By making them available on this Site, Universal is not granting you a license to use them in any fashion. Access to this Site does not confer upon you any license under any of Universal ‘s or any third-party’s intellectual property rights. Universal trademarks may be used publicly only with permission from Universal. Fair use of Universal trademarks in advertising and promotion of Universal products or services requires proper acknowledgment. No Universal trademark or service mark may be used as a hyperlink without Universal’s prior written permission.
User Submissions
Other than personally identifiable information, which is covered under the Universal Privacy Policy, any material, information or other communication you transmit or post to this Site will be considered non-confidential and non-proprietary (“Communications”). Universal will have no other obligations with respect to the Communications, other than the understanding that your personally identifiable information you submit to us shall be treated in accordance with our Privacy Policy. For any Communications you do send, you hereby grant Universal and its designees an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute the Communications for any and all commercial or non-commercial purposes, and agree that Universal is free to use any ideas, concepts, know-how or techniques that you send Universal for any purpose whatsoever without compensation to you or any other person sending the Communication. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or any other material that would violate any law, or that could give rise to any civil or criminal liability under the law.
Links to Third-Party Web Sites
This Site may provide links to other third-party web sites or resources. Such links to third-party web sites on this Site are provided solely as a convenience to you, and do not constitute or imply an endorsement, sponsorship or recommendation of, or affiliation with the third-party or its products and services. Universal has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites or their content. Thus, Universal makes no representations whatsoever about any other web site which you may access through this Site, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party sites linked to this Site, you acknowledge and agree that Universal is not responsible for the availability of such external sites or resources and is not responsible or liable for any Content, advertising, products, services or other materials on or available from such sites or resources. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature, and you do so entirely at your own risk. Accordingly, you agree that Universal shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party materials, content, products or services available on or through any such site or resource.
Disclaimer
THE MATERIALS AND SERVICES PROVIDED AT THIS SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. UNIVERSAL DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE AVAILABILITY, USE, TIMELINESS, SECURITY, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECITING, THE CONTENT OF THIS SITE OR ANY OTHER WEB SITE LINKED TO OR FROM THIS SITE. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. Any material downloaded or otherwise obtained through the use of this Site is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, or use of this Site. Information published at this Site may refer to products, programs or services that are not available in your country.
Limitation of Liability
IN NO EVENT WILL UNIVERSAL, OR OTHER THIRD-PARTIES MENTIONED AT THIS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION, OR CAUSED BY OR RELATED TO ERRORS, OMISSIONS, INTERRUPTIONS, DEFECTS, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE FAILURE, AND ALL OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS, INFORMATION OR SERVICES FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. NOTWITHSTANDING THE FOREGOING, UNIVERSAL TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION, INCLUDING BUT NOT LIMITED TO, THOSE BASED ON CONTRACT, TORT OR OTHERWISE, ARISING OUT OF YOUR USE OF THIS SITE, ITS CONTENT OR LINKS, SHALL NOT EXCEED THE AMOUNT YOU PAID TO ACCESS THIS SITE.
General Terms
Applicable Laws
This Site is controlled by Universal from its offices within the United States of America. Universal makes no representation that the Content in this Site is appropriate or available for use in locations other than the United States, and access to them from territories where their content is illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Content in violation of U.S. export laws and regulations. Any claim relating to the Content shall be governed by the internal substantive laws of the State of South Carolina. By using this Site, and agreeing to the Terms, you agree to be subject to personal jurisdiction in the Federal and State courts of the State of South Carolina.
Termination
Universal, in its sole discretion, may terminate or restrict your use or access to this Site (or any part thereof) for any reason, including, without limitation, if Universal believes you have violated or acted inconsistently with the letter or spirit of these Terms, or if you are in breach of the terms of these Terms. Upon termination, you will immediately destroy any copies of Content of this Site, whether in printed or software format.
Notices
Notices to you may be made via either email or regular mail. Universal may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you generally on this Site.
Revisions
Universal may make changes to the materials and services at this Site, or to the products and prices described within it, at any time without notice. You should visit this Site from time to time to review the then-current Terms because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site. The materials and services at this Site may be out of date, and Universal makes no commitment to update the materials and services at this Site.
Acceptance of Terms
You acknowledge you have read, and agree to be bound by these Terms and to comply with all applicable laws and regulations, including without limitation U.S. export and re-export control laws and regulations regarding the transmission of technical data exported from the United States or the country in which you reside. You further agree to comply with all local laws, regulations and rules regarding online conduct and acceptable content. You represent you have the legal authority to accept these Terms on behalf of yourself or any party you represent. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS SITE.
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