Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING www.macquariemortgages.com (REFERRED TO HEREIN AS "THIS WEBSITE") YOU ARE INDICATING THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME, AND NO PERSON WILL BE PROVIDED WITH INDIVIDUAL NOTICE OF ANY CHANGE TO THESE TERMS AND CONDITIONS. IT IS YOUR OBLIGATION TO REVIEW SUCH CHANGES AS THEY APPEAR. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS PLEASE DO NOT ACCESS OR USE THIS WEBSITE, BECAUSE IF YOU USE THIS WEBSITE THESE TERMS ARE BINDING ON YOU.

This site is directed at, and made available to, persons in the United States only. This material is provided as general information for existing borrowers of Macquarie Mortgages USA Inc., and is not intended for retail distribution or as an advertisement to extend credit as defined by Reg Z. s226.2.

Macquarie Mortgages USA Inc. is a Delaware Corporation that services and purchases certain loans in selected states across the continental United States. Effective March 10, 2008, Macquarie Mortgages USA Inc., ceased all lending and origination activities in the United States. As part of its loan servicing activities, Macquarie Mortgages performs debt collection activities. All information Macquarie Mortgages receives may be used for that purpose.

Macquarie Mortgages USA Inc. (“Macquarie Mortgages”), with its principal office at 10151 Deerwood Park Blvd, Bldg./Ste. 100/500, Jacksonville, FL 32256, is licensed: Arizona Mortgage Bankers License #BK0904552; AR; Department of Corporations California Finance Lender License #603 9470; CT; Florida Mortgage Lender License #ML800098; Georgia Residential Mortgage Licensee #19033; ID; Illinois Residential Mortgage Licensee # MB 6760476; IA; KY; MD; MA License #ML3195 and #LS0100; MI; MN; Mississippi Licensed Mortgage Company 99/2007; NE; NC; OR; Pennsylvania Department of Banking First/Secondary Mortgage Banker/Lender #11920/#16505; SC; TN; Virginia State Corporation Commission #ML535; WA; WI; WY.Operating under an exemption from licensing or because license not required in: AK, CO, IN, NJ, NM, NV, NY, OH, and MT.

Copyright and Trademark

Copyright 2005 Macquarie Mortgages USA Inc. Everything that may be seen or read on this Website is copyrighted unless otherwise noted and may not be used except as provided in these Terms and Conditions or with the written permission of Macquarie Mortgages USA Inc. Macquarie Mortgages USA Inc. does not warrant or represent that the use of materials displayed on this Website will not infringe the rights of third parties not owned or affiliated with Macquarie Mortgages USA Inc. The trademarks, logos and service marks (collectively, the "service marks") displayed on this Website may be registered and unregistered trademarks of Macquarie Mortgages USA Inc. These trademarks of Macquarie Mortgages USA Inc. may not be used in connection with any goods or services that are not related to Macquarie Mortgages USA Inc., in any manner that is likely to cause confusion among consumers, or in any manner that discredits or disparages Macquarie Mortgages USA Inc., its subsidiaries or affiliates. Any use or reproduction of this information, or trademarks, in whole or in part, is prohibited without the express prior consent of Macquarie Mortgages USA Inc. Macquarie Mortgages USA Inc. will enforce its intellectual property rights to the fullest extent of the law.

Content and Liability Disclaimer

The information on this Website has been prepared based on information believed to be accurate and reliable at the time of publication, but Macquarie Mortgages USA Inc., its subsidiaries and affiliates do not warrant or make any representation as to its timeliness, completeness or accuracy. The information contained herein has been prepared solely for general informational purposes, and any definitions used herein may be inaccurate or may differ between states or from professional to professional and should not be relied upon in making any important decisions. Past performance is not an indication of future performance.

To the extent permitted by law, Macquarie Mortgages USA Inc. disclaims any liability for any loss or damage caused by a user's reliance on information obtained by using this Website. To the extent permitted by law, Macquarie Mortgages USA Inc. accepts no liability or responsibility for errors, omissions or misstatements, negligent or otherwise. Macquarie Mortgages USA Inc., its subsidiaries and affiliates and any other party involved in creating, producing or delivering this Website specifically deny and disclaim any liability (whether based on contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with the access to or use of, or inability to access or use, this Website. To the extent permitted by law, Macquarie Mortgages USA Inc. disclaims any liability for any loss or damage caused by a user's reliance on information obtained by using this Website.

Without limiting the foregoing, everything on this Website is provided to you 'as is' and 'as available', and to the extent permitted by law, without any warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular use or purpose, title, non-infringement, security or accuracy or freedom from computer virus.

Third Party Internet Links

Links to third party sites are provided for your convenience. Macquarie Mortgages USA Inc. neither endorses nor guarantees any offerings of the third party providers, nor does Macquarie Mortgages USA Inc. make any representation or warranty of any kind about the content of, or use of or inability to use, the linked third party sites. Macquarie Mortgages USA Inc. reserves the right to terminate a link or linking program at any time. If you decide to access any of the third party sites linked to this website, you do so entirely at your own risk.

Indemnification

You agree to indemnify Macquarie Mortgages USA Inc., its subsidiaries and affiliates, directors, officers, employees, vendors and agents from and against any and all liabilities, expenses (including court costs and attorneys' fees), losses and other damages that are caused by, arise out of, or relate to your use of this Website. This includes, without limitation, any claim or libel, defamation, violation of rights of privacy or publicity, loss of service by other users of this Website and infringement of intellectual property or other rights.

Communication

Excluding information you may have previously provided in connection with a mortgage application, any communication or material you transmit to Macquarie Mortgages USA Inc. by electronic mail or otherwise, including any data, questions, comments or suggestions or other information ("communications") are and will be treated as non confidential and non-proprietary unless specifically designated otherwise. Any Communication you transmit to Macquarie Mortgages USA Inc. is and will remain the exclusive property of Macquarie Mortgages USA Inc. and may be used by Macquarie Mortgages USA Inc. in any medium and for any purpose, including but not limited to reproduction, disclosure, transmission, publication or broadcast. Further, Macquarie Mortgages USA Inc. is free to use any ideas, concepts, know-how or techniques contained in any Communication that you transmit to Macquarie Mortgages USA Inc. for any purpose including but not limited to developing, manufacturing, and marketing products and/ or services using such information. Your name may be used on any Communication that you submit. Macquarie Mortgages USA Inc. is under no obligation to maintain your Communication in confidence, to pay you any compensation for any Communication submitted or respond to any Communication. You agree that you will be solely responsible for the content of any communication that you make.

Applicable Law

These Terms and Conditions shall be treated as though they were executed and performed in Jacksonville, Florida, and shall be subject to and construed in accordance with the laws of the United States of America and to the extent that state law applies, by the laws of the State of Florida. Any user of this website expressly agrees to submit to the jurisdiction of the federal and state courts of the state of Florida, and all legal proceedings related to these Terms and Conditions should be brought solely in Jacksonville, Florida. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws.

Macquarie

Macquarie Mortgages is a wholly-owned subsidiary of Macquarie Bank Limited ABN 46 008 583 542 ("MBL").  MBL is an authorized deposit-taking institution under the Australian Banking Act 1959 (Cth).  Macquarie Mortgages is not an authorized deposit-taking institution under the Australian Banking Act (Cth) 1959, or under the federal banking laws of the United States.  Macquarie Mortgages' obligations do not represent deposits or other liabilities of MBL and MBL does not otherwise provide assurance in respect of the obligations of Macquarie Mortgages.

The Macquarie group refers to Macquarie Bank Limited (MBL), an authorized deposit-taking institution under the Banking Act 1959 (Cth) to conduct banking business in Australia and its subsidiaries and affiliates worldwide. MBL maintains Representative Offices in California, New York, Texas, and Washington State. MBL is not licensed to conduct banking business in the U.S.  With respect to matters which may be subject to US securities laws and to the extent required by such laws, the Macquarie group consults with, and acts through one of its affiliated U.S. registered broker-dealers.

Privacy

Refer to the Privacy Policy below.
Copyright 2005 Macquarie Mortgages USA Inc.

Last updated May 15,  2008