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User Agreement

By clicking the "I Agree" checkbox, you acknowledge that you have read and expressly agree to the Privacy Statement and the Terms of Use governing your registration for the Equator website.

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EQUATOR FINANCIAL SOLUTIONS
PRIVACY STATEMENT

This notice details the privacy policies of Equator Financial Solutions for consumers, realtors and real estate agents accessing its website located at www.equator.com, including how Equator Financial Solutions protects information provided or collected through this website. Questions regarding this statement should be directed by e-mail to agenthelp@equator.com. You may also contact us at Equator Financial Solutions, Privacy Division, located at 6060 Center Drive, Suite 500, Los Angeles, California 90045.

What information does Equator collect and how does Equator use it?

Consumers - You may visit and use certain features of our website without any registration, in which case none of your personal information will be collected or retained. However for you to register and take advantage of the benefits and exclusive features of the Equator website, you are required to provide your name, email address, home address and phone number, a password, and whether you are a first time home buyer, investor or an existing home owner. We may additionally request you to provide your business name, address, phone number and fax number and various demographic information about yourself on an optional basis.

Agents - You may visit and use certain features of our website without any registration, in which case none of your personal information will be collected or retained. However for you to register and take advantage of the benefits and exclusive features of the Equator website, you are required to provide your name, email address, real estate license number and issuing state, a password for your account and business address and phone number. You may additionally add your mobile phone number, business name and facsimile number and home address, phone number and facsimile number. In addition, by registering through the website, you expressly authorize Equator to create a performance profile about you as an agent including statistical information with respect to your response times and sales statistics. This profile will solely be accessible to lenders accessing the website.

This allows us to properly and effectively integrate you into the website database in order to provide you with the functionality, feedback, support and any information you request. We may additionally use the information we collect to occasionally seek feedback from you regarding potential Equator products and services and to notify you about important functionality changes to the website, new products and services available through the website or otherwise offered by Equator, and special offers we think you'll find valuable.

We may additionally use information provided through our website and services to compile performance and analysis reports pertaining to agents, vendors and other users of our website and systems. We may additionally collect website data to contact any entities who access or use our website unless the entity "opts-out" from being contacted. You may choose to opt-out from being contacted by removing your information from our databases as provided in this Privacy Statement.

Notwithstanding any other term of this Privacy Policy, we may release any personal information we obtain or collect when we believe its release is appropriate to comply with the law, enforce our website policies, or protect ours or others' rights, property, or safety.

How does Equator protect visitor information?
Equator uses industry-standard technologies when storing, transferring and receiving consumer data exchanged to help ensure its security. This includes password protected member records, firewalls, secure servers and SSL encryption.

Does Equator use "cookies"?
Cookies are small bits of electronic information that a web site can transfer to a visitor's hard drive to help tailor and keep records of his or her visit to the site. The use of cookies is standard on the Internet and many web sites use them. We currently save preference information in cookies. Though most Web browsers automatically accept cookies, you can usually change your browser to prevent the storage of any cookies or to notify you when you are sent a cookie.

Does Equator disclose any personally identifiable information it collects from its visitors to outside parties?
Equator may transfer, sell and otherwise may share the information you provide to us to select partners and third parties. This will allow these third parties to contact you and provide you offers and other information that they think will be valuable to you. However, if you would like Equator to stop providing your information to these third parties, please log into your account through the Equator website and change your account settings to opt-out of being contacted by third parties.

Equator, and any of its affiliates or contractors, may (a) use, sell or transfer any anonymous aggregated statistical user data in any manner, at any time and (b) freely transfer any and all information you provide us to any of our subsidiary, parent and/or affiliate companies.

Equator's special note to parents
In compliance with the 1998 Children's Online Privacy Protection Act (COPPA), Equator is a general audience website, and does not knowingly collect, nor will ever knowingly retain, personally identifiable information from any visitor Equator actually knows to be under thirteen years of age without the consent of that child's parent or legal guardian.

How does a visitor remove or modify the information they have provided to Equator?
After gathering any user information, Equator offers users the opportunity to remove their information from our database so as not to receive future communications or to no longer interact with the website until they later chose to by logging into your account through the Equator website and changing your account settings and preferences. However, once removed from Equator's database, users will no longer be able to access any of the exclusive features offered to registered users.

Third party links and co-brand relationships
In an attempt to provide increased value to our visitors, Equator may choose various third party websites to link to and from, and frame within, its own website. Equator may also participate in co-branding and other relationships to offer information, programs and other services and features to its users. However, even if the third party is affiliated with Equator, Equator has no control over these linked sites, and each of these sites has separate privacy and data collection practices independent of Equator. As such, we have no responsibility or liability for these independent policies or actions, and are not responsible for the privacy practices or the content of any such websites. These linked sites are only for your convenience and you therefore access them at your own risk. Accordingly, please carefully review the data collection policies on each of these websites.

Your consent, policy changes and change of ownership
By using our website, you consent to the collection and use of information by Equator as set forth in this Privacy Statement. If we decide to change our privacy policy, we will post those changes on this page so that you will always be aware of what information we collect, how we use it, and under what limited circumstances we disclose it. Continued access or use of the website shall constitute your express acceptance of any modifications to this Privacy Statement. In the event that Equator or a substantial portion of Equator's assets are acquired, customer information collected and retained in accordance with this Privacy Statement may be one of the transferred assets.

Legal Disclaimer:
By using the website, you irrevocably acknowledge and agree that Equator merely provides technological tools that vendors, brokers, agents, buyers, sellers and other individuals and/or companies may use to transact business. Equator is not involved in the actual transaction between buyers, agents, brokers, lenders, sellers and any other related party, and is not the agent of, nor has any authority on behalf of any of the aforementioned parties or any other third party, for any purpose whatsoever. At no time and in no event shall Equator become involved in any dispute or transaction between the aforementioned parties or have any responsibility or liability in connection therewith, including, but not limited to, making or guaranteeing any payment that may come due as a result of any transaction or agreement between the aforementioned parties.

Additional Information Questions regarding this policy or the practices of Equator should be directed to Equator at agenthelp@equator.com. You may also contact us at Equator Financial Solutions, Privacy Division, located at 6060 Center Drive, Suite 500, Los Angeles, California 90045.

Terms of Use

TERMS OF USE

Welcome and thank you for choosing Equator! Please read the following Terms of Use carefully before using this site, our software, other website(s), platforms or other products including but not limited to Equator.com, EQ Workstation, EQ Marketplace or any other Equator services or software that directly display or link to these Terms of Use (the "Site(s)"), so that you are aware of your legal rights and obligations with respect to Equator, LLC and any of our affiliates and subsidiaries (individually and collectively, "Equator"). If you do not agree to these Terms of Use, do not submit information to, or access any information from, the Site(s).

By using this Site(s), you signify your irrevocable acceptance of these Terms of Use. Equator has the right to revise these Terms of Use at any time without providing notice to its users and you agree to be bound by the latest version of the Terms of Use and as such, are responsible for regularly reviewing these Terms of Use. You can review the most current version of the Terms of Use at any time at: https://www.equator.com/global/home/?termsofuse=1. Additional terms may govern use of certain Web Site(s) or Web pages within the Site(s). In the event that any provision, term or guideline contained on a particular Web Site or Web page in the Site(s) conflicts with the Terms of Use, the terms of such Web Site(s) or Web page shall control over the Terms of Use except with respect to the General Terms set forth below, which shall at all times control.

Equator reserves the right to change, modify, suspend or discontinue any portion of the Site(s) at any time. Equator may also impose limits on certain features or restrict your access to parts or the entire Site(s) without notice or liability.

Privacy

Your privacy is very important to us at Equator. To better protect your rights we have created the Equator Privacy Statement to explain our privacy practices in detail. To read the Equator Privacy Policy, please access our Privacy Statement at: https://www.equator.com/global/home/?privacypolicy=1. As a registered user, you hereby grant Equator the permission to communicate with you via email (as well as other communication channels such as phone and fax) for any purposes Equator determines to be relevant including, but not limited to, system messages, product updates, service announcements and other marketing messages and under no circumstances will Equator have any liability for sending any email to its registered users.

Use of Site(s)

The Site(s) are designed to provide information about, but not limited to, real estate, REO properties, short sale properties, loan segmentation, agents, brokers, listings, vendors, marketing, real estate services, Equator and its affiliates. The information and services offered on the Site(s) are provided solely for general information, do not constitute (a) real estate, legal, tax, accounting or other professional advice, or (b) an offer to sell or lease real estate, and may not be used to determine an individual"s eligibility for credit, insurance, or employment. BY USING THE SITE(S), YOU IRREVOCABLY ACKNOWLEDGE AND AGREE THAT EQUATOR IS NOT A REAL ESTATE AGENT, REAL ESTATE BROKER, MORTGAGE BROKER OR MORTGAGE LENDER UNDER U.S. REAL ESTATE LAWS AND EQUATOR DOES NOT AID, ADVISE OR ASSIST BORROWERS IN THE ADVISABILITY OF INVESTING, PURCHASING, SELLING, AND OBTAINING REAL ESTATE, REO, SHORT SALE OR OTHER REAL ESTATE PRODUCTS NOR DOES IT SOLICIT BORROWERS OR LENDERS TO BUY OR SELL REAL ESTATE, OR NEGOTIATE OR MAKE LOANS SECURED BY LIENS ON REAL PROPERTY. EQUATOR DOES NOT ENDORSE OR RECOMMEND ANY PARTICULAR REAL ESTATE PRODUCTS OR SERVICES. NOTHING IN THE SERVICE IS INTENDED TO BE PROFESSIONAL ADVICE, INCLUDING BUT NOT LIMITED TO, REAL ESTATE OR TAX ADVICE. EQUATOR MERELY PROVIDES TECHNOLOGICAL TOOLS THAT VENDORS, BROKERS, AGENTS, BUYERS, SELLERS AND OTHER INDIVIDUALS AND/OR COMPANIES MAY USE TO TRANSACT BUSINESS AND EQUATOR IS NOT INVOLVED IN THE ACTUAL TRANSACTION BETWEEN BUYERS, AGENTS, BROKERS, LENDERS, SELLERS AND ANY OTHER RELATED PARTY, AND IS NOT THE AGENT OF, NOR HAS ANY AUTHORITY ON BEHALF OF ANY OF THE AFOREMENTIONED PARTIES OR ANY OTHER THIRD PARTY, FOR ANY PURPOSE WHATSOEVER. AT NO TIME AND IN NO EVENT SHALL EQUATOR BECOME INVOLVED IN ANY DISPUTE OR TRANSACTION BETWEEN THE AFOREMENTIONED PARTIES OR HAVE ANY RESPONSIBILITY OR LIABILITY IN CONNECTION THEREWITH, INCLUDING, BUT NOT LIMITED TO, MAKING OR GUARANTEEING ANY PAYMENT THAT MAY COME DUE AS A RESULT OF ANY TRANSACTION OR AGREEMENT BETWEEN THE AFOREMENTIONED PARTIES.

Proprietary EQ Content

The information, data, text, software, files, icons, video clips, specifications, photographs, images, graphics, literature, technical information, advertisements, organization, layout, design, copyrighted materials, trademarks, trade dress, and other content contained on or provided through the Site(s) (collectively, the "EQ Content") are owned by Equator and its licensors, and are protected by applicable United States and international copyright and other intellectual property rights, laws and treaties. The EQ Content provided through the Site(s) includes proprietary databases of commercial or residential real estate information, which includes information, text, photographic and other images and data contained therein, and the proprietary organization and structures for categorizing, sorting and displaying such information. The Site(s) and EQ Content include any derivatives, successors, updates or modifications provided thereto and created therefrom and any information derived from the use of the databases accessed through the Site(s).

Any copying, modification, display, performance, publishing, licensing, creation of derivative works, framing in other web pages, use on other web sites, uploading, reproduction, transmittal or redistribution of the EQ Content which is not expressly authorized by these Terms of Use is strictly prohibited. You understand and agree that making modifications to, creating derivative works based on, or any unauthorized use of, the EQ Content or any other elements of the Site(s), is expressly prohibited. You also agree not to transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from Equator, including without limitation, engaging in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information.

You agree to treat all information and EQ Content obtained from the Site(s) as proprietary to Equator except for content you have uploaded to the Site(s). Equator does not ensure the accuracy of, endorse or recommend any EQ Content and you accordingly agree to use such EQ Content at your own risk. Equator grants you a limited license to access and use the EQ Content solely for informational, personal, non-commercial purposes (including printing individual pages from the Site(s) provided that you retain all copyright and other proprietary notices contained thereon) and in no manner access or use the Content (directly or through any automated device) for further distribution, publication, public display, or preparation of derivative works or facilitate any of these activities in any way, including, without limitation, to reproduce any Content for or in connection with any other listing service or device.

Third Party Site(s), Third Party Content and Services

The Site(s) and any elements contained therein may include content that is incorporated, transmitted, linked via webpage or via click-through advertising ("Third Party Content"), and include software, applications and services owned and controlled by third parties ("Third Party Services"). Nothing contained in any of the Third Party Content or Services is an offer or promise by Equator to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. In addition, Equator does not make any representation or warranty with respect to such Third Party Content or Third Party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You acknowledge that Equator does not screen or approve Third-Party Content or Third Party Services, and that Equator shall have the right (but not the obligation) in its sole discretion to refuse, modify, or delete any Third Party Content or Third Party Services that is available via the Site(s), for any reason. You are responsible for confirming the sufficiency and reliability of any Third Party Content along with associated Third Party Services or vendors, which are provided through the Site(s) "AS IS", and do so at your own risk. Further, please note that certain of the interactive Third Party Content may be financial or mortgage tools that provide information and customized information based on user-inputted data. These tools are for the purpose of performing calculations, and are not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary.

YOU HEREBY RELEASE EQUATOR FROM ANY AND ALL CLAIMS, DEMANDS, LIABILITY AND DAMAGES (ACTUAL OR CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED OR UNSUSPECTED, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF EQ CONTENT OR THIRD PARTY CONTENT AND RELATED THIRD PARTY SERVICES OR VENDORS AND YOU AGREE TO INDEMNIFY AND HOLD EQUATOR, ITS THIRD-PARTY VENDORS, CORPORATE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS" FEES, MADE BY ANY THIRD-PARTY DUE TO OR ARISING OUT OF ANY THIRD PARTY CONTENT THAT IS AVAILABLE OR PROVIDED TO YOU BY THE SITE(S) AND/OR EQUATOR AND/OR ITS THIRD PARTY ADVERTISERS AND ANY BREACH BY YOU OR YOUR AFFILIATES, EMPLOYEES, AGENTS AND REPRESENTATIVES OF THESE TERMS OF USE.

Use of such Third party software, Third Party Content or Third Party Services is subject to the terms and conditions of the applicable third party license agreements, is the sole responsibility of the third party originator of such software or services and you agree to look solely to the applicable third party and not to Equator to enforce any of your rights. All modifications or enhancements to the Site(s) remain the exclusive property of Equator. The Site(s) are a collective work and are Equator copyrighted material. Access to and use of the Site(s) is expressly governed by these Terms of Use. You agree not to take any action to jeopardize, limit or interfere with Equator"s ownership of and rights with respect to the Site(s) and EQ Content. You also agree not to implement or otherwise use automation tools to connect to, modify, or monitor the Site(s) and its elements.

Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF AND RELIANCE UPON ANY AND ALL ELEMENTS OF THE SITE(S) IS AT YOUR SOLE RISK AND ITS SOFTWARE, EQ CONTENT, THIRD PARTY CONTENT OR USER CONTENT (AS DEFINED HEREIN; COLLECTIVELY, THE “CONTENT(S)”), AND ITS FUNCTIONALITY IS PROVIDED "AS IS", “WITH ALL FAULTS” AND “AS AVAILABLE”.  EQUATOR DISCLAIMS ANY AND ALL WARRANTIES, CLAIMS, GUARANTEES OR REPRESENTATIONS WITH REGARD TO THE APPROPRIATENESS, ABILITY, ACCURACY, SUFFICIENCY, CORRECTNESS, SECURITY OF DATA OR CONTENT, THE LOSS OF ANY LISTINGS, DATA, CONTACTS OR CONTENT, VERACITY, VALUE, COMPLETENESS, OR TIMELINESSS OF THE SITE(S).  EQUATOR DISCLAIMS ALL EXPRESS, IMPLIED OR STATUTORY WARRANTIES WITH RESPECT TO THE SITE(S), INCLUDING WARRANTIES OF SATISFACTORY QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, WORKMANLIKE QUALITY OR FITNESS FOR A PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE OR TRADE USAGE.  WITHOUT LIMITING THE FOREGOING, EQUATOR DOES NOT WARRANT THAT THE SITE(S) AND THE FUNCTIONS CONTAINED THEREIN WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THE SITE(S) AND/OR THE SERVER THAT MAKES SAME AVAILABLE ARE FREE OF VIRUSES, CLOCKS, ERRORS, TIMERS, COUNTERS, WORMS, SOFTWARE LOCKS, DROP DEAD DEVICES, TROJAN-HORSES, ROUTINGS, TRAP DOORS, TIME BOMBS OR ANY OTHER HARMFUL CODES, INSTRUCTIONS, PROGRAMS OR COMPONENTS THAT WILL PREVENT TRANSMISSION FAILURES.  YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE SITE(S) REMAINS WITH YOU TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Limitation of Liability

IN NO EVENT SHALL EQUATOR BE LIABLE WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE (WHETHER ACTIVE, PASSIVE, OR IMPUTED)), PRODUCT LIABILITY OR STRICT LIABILITY OR OTHER THEORY, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING WITHOUT LIMITATION ANY LOSS OF CONTENT(S), LOSS OF DATA, LOSS OF USE, LOSS OF PROFITS, LOSS OF SERVICE, COMPUTER FAILURE, THE PROVISION OR FAILURE TO PROVIDE SERVICES, SECURITY OF THE SITE(S), UNAVAILABILITY OF THE SITE(S), THE DELETION OF ANY AND ALL DATA AND CONTENT STORED IN YOUR ACCOUNT OR PECUNIARY LOSS) ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE, PERFORMANCE OR INABILITY TO USE THE SITE(S) OR RELATED SERVICES INCLUDING ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE SITES, AND ALL OTHER USES OF THE SITES, WHICH ARE DONE AT YOUR OWN DISCRETION AND RISK.  YOU AGREE TO BE SOLELY RESPONSIBLE FOR ANY AND ALL DAMAGES EVEN IF EQUATOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THIS SITE(S) IS TO DISCONTINUE ANY USE OF THE SITE(S) SUBJECT TO ANY OTHER REMEDIES PROVIDED HEREIN. 

Term of Use

The license for use of the Site(s) is effective until terminated. This license will terminate as set forth within these Terms of Use or if you fail to comply with any term or condition of these Terms of Use. In such event, no notice shall be required by Equator to immediately effect such termination.

User Content and Online Conduct

With respect to any and all listings, data, contacts text, graphics, descriptions, photographs, messages, video and any other content you elect to upload, post, e-mail or otherwise transmit to Equator through the Site(s) ("User Content"), you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation, credentials or licenses with any person or entity. Equator does not guarantee the privacy or security of any Content being transmitted through the Site(s). By transmitting User Content to or through the Site(s), you grant Equator, its affiliates, and licensees the royalty-free, fully paid, perpetual, irrevocable, non-exclusive and fully sub- licensable worldwide right and license to use, reproduce, adapt, perform, display, publish, translate, prepare derivative works from, distribute, sell, and take any other action with respect to such User Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed and to grant and authorize sublicenses (through multiple tiers) of the foregoing. You further acknowledge and agree that Equator may preserve any such User Content and may also publicly disclose such User Content in its sole discretion. You grant, represent and warrant that:

(a) You own or have the full right, power and authority to grant to Equator the right to use, copy, perform, display, and distribute the User Content including all real estate products. listings and services you advertise, sell, and promote which are legal for sale and distribution and do not violate these Terms of Use; you have all licenses necessary to sell, distribute and advertise the goods and services you offer; and all sales and advertisements will comply with applicable law;

(b) By posting User Content to any public area of the Site(s), you grant Equator all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the User Content on the Site(s) by any party for any purpose of and rights in all User Content and/or that you otherwise control all of the rights to such User Content including, without limitation, all the rights necessary for you to transmit such User Content, and to transfer your or others" interests in such User Content to Equator as provided below;

(c) Any User Content you provide to Equator will be true and accurate;

(d) Your license of such User Content to Equator hereunder does not, and the use or license of such User Content by Equator to third parties will not, infringe any right or interest owned or possessed by any third party; and

(e) There are no claims, judgments or settlements to be paid by you, or pending claims or litigation, relating to such User Content.

You also agree that if you share User Content in public areas of the Site(s) or in shared areas available to others you"ve chosen from your account or associated accounts, anyone you"ve shared content with may use that content subject to existing laws and subject to certain account restrictions that Equator may provide you with pursuant to your account. If you give others access to User Content, you grant them free, nonexclusive permission to use, reproduce, distribute, display, transmit, and communicate to the public the User Content solely in connection with the service and other products and services made available by Equator except as limited by you. If you don"t want others to grant those rights, you should not use the Site(s) to share User Content. Please also note that your account(s) may have quotas on the amount of emails you can send per month as well as storage limits. If you exceed these quotas you will be charged extra fees which will be billed to you monthly.

You expressly understand and agree that you, and not Equator, are solely and entirely responsible for all User Content that you upload, download, post, email, transmit or otherwise make available via the Site(s) including any and all listings or displays of listings that you provide or otherwise make available via the Site(s). You also expressly understand and agree that you, and not Equator, are solely and entirely responsible for refraining from disclosing any confidential, private, non-public or personal information ("NPPI"). Please respect the rights of NAR, MLS, Internet Data Exchanges, real estate agents, real estate brokers, customers and other third parties whose Third Party Content may be protected by copyright. Equator does not guarantee the privacy or security of any User or Third Party Content being transmitted through the Site(s) and Equator does not control, verify, or monitor any User or Third Party Content posted via the Site(s) by any visitors to the Site(s) and does not guarantee the accuracy, integrity or quality of such content. You agree that you must evaluate, and bear all risks associated with, the use of any User or Third Party Content, including any reliance on the accuracy, completeness, or usefulness of such and acknowledge that you must independently verify any Content and not exclusively rely on any Content submitted to Equator or any other users of the Site(s) through the Site(s).

You understand and agree that Equator shall have the right to use any User Content for any purpose, including without limitation, publication of all or part of such User Content on the Site(s) and any in any other forum or medium for unrestricted use by Equator for its users and partners. Equator shall have the sole authority to choose the manner in which any User Content will be received, displayed and used by the Site(s), and it reserves the right to remove any User Content or refuse access to the Site(s) to anyone at any time in its sole discretion. Equator shall have no obligation to (i) resolve disputes among users of the Site(s); or (ii) monitor or verify the accuracy or proper use of any User.

YOU ARE RESPONSIBLE FOR BACKING UP OR EXPORTING THE EQ CONTENT, THIRD PARTY CONTENT AND USER CONTENT THAT YOU STORE ON THE SITE(S) TO ENSURE YOU PRESERVE YOUR CONTENTS OUTSIDE OF YOUR ACCOUNT(S). IF YOUR SERVICE IS SUSPENDED OR CANCELED, EQUATOR MAY PERMANENTLY DELETE YOUR OR OTHER CONTENTS FROM ITS SERVERS AT ITS SOLE DISCRETION AND YOU ACKNOWLEDGE THAT YOU HAVE NO RIGHT TO SUCH CONTENTS IN THE EVENT OF A CANCELLATION OR SUSPENSION. EQUATOR HAS NO OBLIGATION TO RETURN CONTENTS TO YOU AFTER THE SERVICE IS SUSPENDED OR CANCELED. IF CONTENTS ARE STORED WITH AN EXPIRATION DATE, EQUATOR MAY ALSO DELETE THE CONTENTS AS OF THAT DATE. CONTENT THAT IS DELETED MAY BE IRRETRIEVABLE.

REPRESENTATIONS AND WARRANTIES

·         You represent, promise and warrant that you agree to only access or use the Site(s) only for legal purposes that are permitted by these Terms of Use. Among other things, you agree that you:

·         Possess the legal right and ability to enter into these Terms of Use and to comply with its terms;

·         Will use the Site(s) for lawful purposes only and in accordance with these Terms of Use and all applicable laws, regulations and policies;

·         Will use the Site(s) on a computer on which such use is authorized by the computer"s owner;

·         Will pay Equator for any and all fees associated with your usage of the Site(s) if applicable;

·         Ensure that the origin of any link to any Equator product home page must be accompanied by a clear and prominent attribution indicating that the link is connected to the Equator home page.

·         Are 18 years of age or older.

You also agree that you will not:

·         Damage, disable, overburden, or impair the Site(s) or interfere with any other party"s use and enjoyment of the Site(s);

·         Obtain or attempt to obtain any materials or information through any means not made readily accessible by Equator through the Site(s).

·         Access or attempt to access password protected, secure or non-public areas of the Site(s).

·         Decrypt, defeat and/or overcome any digital rights management technology implemented with respect to the Site(s) or data transmitted, processed or stored by the Site(s).

·         By creating a link to the Site(s), you agree that:
(a) you will not employ any technology that results in the placement of content from the Site(s) in a frame and/or a reduced pop-up window and/or any other display mechanism which changes the appearance of the Site(s) from how it would appear if a user typed the URL in a typical browser line;
(b) Your Site(s) shall not display Content or link to other web Site(s) that contain Content that is illegal, obscene, indecent, disparaging, discriminating or otherwise offensive;
(c) You have duly registered your domain name and possess all rights necessary to use the same; and
(d) You shall not in any manner access, collect, store, disclose, transfer or use any information obtained or derived from a user"s access to or use of the Site(s). Equator reserves the right to revoke your permission to create such link at any time in its sole discretion and you agree to immediately cease using the link at any time that Equator so requests.

·         Send, expose, disclose, reveal, or share non-public private information through the Site(s) without the express written consent of the owner of the information and you agree to be solely responsible and to hold harmless and indemnify Equator for any and all expenses, claims, damages, costs, liability and legal actions for unauthorized sharing of NPPI through the Site(s).

·         Remove or conceal any proprietary notices from the Site(s);

·         Cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling, hacking or disassembling of the Site(s), including any Content(s) or any other elements contained or offered by the Site(s);

·         Use any data mining, gathering or extraction tool, or any robot, spider or other automatic device or manual process, to monitor or copy any EQ Content or portion of the Site(s);

·         Use this Site(s) for the benefit of any third party or any manner not permitted by the licenses granted herein;

·         Use the Site(s) or submit any User Content to generate or send any unsolicited commercial email (Spam);

·         Copy any elements of the Site(s) (other than as expressly provided under United States copyright laws);

·         Access, create or modify source code of the Site(s) in any way;

·         Use the Site(s) to, or in any way that would, violate any applicable local, state, national, or international law, regulation, ordinance or real estate practice having the force of law, including but not limited to the Gramm-Leach-Bliley Act, SB 1386, RESPA, CAN-SPAM, Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act;

·         Impersonate any person or entity, or falsely state or otherwise misrepresent or inaccurately display your credentials, qualifications, listings, affiliations with a person or entity, post, upload or otherwise relay information which is misleading to others, including consumers; or otherwise disguise the origin of any User Content;

·         Submit or publish User or Third Party Content that solicits funds or services, contains or includes any virus, clock, timer, counter, worm, software lock, drop dead device, Trojan-horse, routing, trap door, time bomb or any other code, instruction or program that is designed to distort, delete, damage, disable or impair the functionality of any computer or the Site(s); or

·         Use this Site(s) to develop, generate, upload, post, display transmit or store information or User Content that:
(a) infringes any third party"s intellectual property (including but not limited to patent, trademark, trade secret copyright or other proprietary rights of any party);
(b) is unlawful, threatening, harassing, tortious, defamatory, libelous, pornographic, an invasion of privacy, obscene, abusive, hateful, vulgar, illegal, racist, offensive or harmful; or
(c) In any way obstructs or otherwise interferes with the normal performance of another person"s use of the Site(s).

Equator may be required to disclose information to individuals asserting rights under the Digital Millennium Copyright Act, and you expressly authorize Equator to comply with any and all lawful notices, subpoenas, court orders or warrants without prior notice to you. If Equator has reasonable grounds to suspect that your representations, warranties or promises are inaccurate or in breach, Equator may suspend or terminate your account, deny any or all use of the Site(s), and pursue any appropriate legal remedies. In addition, Equator reserves the right, in its sole discretion, to modify or discontinue the Services or any portion thereof, with or without notice, and without liability to you.

Accounts and Security

To use and access exclusive and proprietary elements of the Site(s), you must register with Equator to open an account ("Account"). As part of the registration process, each user will select a password and user name. You shall provide Equator with accurate, complete, and updated Account information. Failure to do so shall constitute a breach of these Terms of Use, which may result in immediate termination of your Account. You may not (i) select or use a user name of another person with the intent to impersonate that person; (ii) use a name subject to the rights of any other person without authorization; or (iii) use a user name that Equator, in its sole discretion, deems inappropriate or offensive. You further expressly understand and agree that if you are establishing your Account on behalf of a corporate entity or in fulfillment of your duties/responsibilities to same (the "Parent Company"), that your Account will be ultimately owned and controlled by such Parent Company; provided that, this shall not in any manner limit or mitigate your responsibilities, obligations or liabilities as set forth in these Terms of Use. Upon the termination of your service with your Parent Company for any reason, or upon written notice from the Parent Company, your Account will be immediately surrendered and controlled entirely by the Parent Company, including, without limitation, resetting the username and password on the Account.

Your Account may not be assigned, sublicensed, transferred, or shared with any other individual or entity, and you expressly agree not to provide any other entity your password or otherwise allow them to use or access your Account. You agree to notify Equator of any known or suspected unauthorized use(s) of your Account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password. You shall be responsible for maintaining the confidentiality of your password. It is your sole responsibility to protect your user name and password and not share your password with any other people. Accordingly, you understand and agree that you shall be liable for any activity performed by any people using the Site(s) under your user name and password.

You are solely responsible for your dealings with third parties (including advertisers) who use the Site(s), including as to the delivery of and payment for goods. This applies whenever you use your Equator ID. When you use your Equator ID to gain access to any website, the terms and conditions for that website, if different from these Terms of Use, may also apply to your use of that website. For some parts of the Services offered through the Site(s), you may be able to set up additional accounts that are dependent on your Account ("Associated Accounts"). You are responsible for all activity that takes place with your Account and any Associated Accounts. If you use an associated account, you acknowledge that the holder of the service account has full control over your associated account.

Equator may immediately terminate your Account, or suspend your access to your Account, with or without notice, for conduct that Equator believes is: (i) illegal, fraudulent, harassing or abusive; (ii) a violation of these Terms of Use or any other policies or guidelines posted by Equator; or (iii) harmful to other users, third parties, or the business interests of Equator. Use of an Account for illegal, fraudulent or abusive purposes may be referred to law enforcement authorities without notice to you. You shall be liable for any activities on or uses of your account even if such activities or uses were not committed by you. Upon termination of your Account by Equator for any of the above-mentioned reasons, you may not establish a new Account for a period of not less than one year from the date of termination. Upon termination of your Account, Equator will have no obligation to notify any third parties nor will Equator be responsible for any damages that may result or arise out of termination of your Account.

Equator shall provide you with the opportunity in your account settings to opt out of receiving third-party message or marketing materials and/or of opting out of client, lender or task related messages.  However, Equator reserves the right to contact you for critical system, client or other service, invoice or agent specific Equator related messages that may require you to take certain actions.  You also agree that any phone conversations that you may have with Equator concerning or related to the Site(s), the Content(s) and/or your Account(s) may be recorded by Equator for training purposes.

Equator will charge you for your use of certain functionality on the Site(s) and EQ Content that may be provided through those sections of the Site(s) such as monthly subscriptions, product upgrades, invoice modules, service fees, purchases, product features, or other services offered through the Site(s) ("Paid Feature(s)"). You agree to timely pay for all Paid Features of the Site(s) that you utilize whether by credit card, debit card, ACH, PayPal or other means provided by the Site(s). For each Paid Feature that you agree to purchase, you will be charged a fee according to the current Equator fee structure for each Paid Feature that will be provided to you before purchase.

Invoice Services Agreement

Lenders utilizing the Equator Invoicing Module ("Module") will require that all Invoices be entered through the Site(s), or direct integration with Equator where applicable. By using the Module, you will be able to participate in an automated electronic submission process with enhanced search and reporting capabilities. Users will be charged a fee by Equator for use of the Module. A fee of one percent (1%) of the invoice amount will be incurred at the time an invoice is approved through the Module ("Invoice Fee") and the total of these fees shall be billed to you monthly by Equator. The minimum fee per invoice is One Dollar ($1.00) and the maximum fee per invoice is Five Dollars ($5.00). There will be no fee charged for "rejected" invoices. Agents will have a maximum "cap" of Twenty Dollars ($20.00) per property.

Agent Scorecard

If you choose to utilize the Agent Scorecard feature you agree that the statistical data ("Data") displayed on the Agent Scorecard ("Scorecard") is confidential and belongs exclusively to the respective Lender or Servicer for whom you are performing work. As such, you are expressly prohibited from disclosing or disseminating the Data in any way. Data displayed on this scorecard may differ from the Data displayed to each Lender or Servicer and Equator does not participate in, have the ability to modify, or control the Data contained in the Scorecard in any way.

INDEMNITY

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS EQUATOR, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, PARENT COMPANIES, AGENTS, CO-BRANDERS OR OTHER PARTNERS, AND EMPLOYEES (COLLECTIVELY, THE "INDEMNIFIED PARTIES"), AT YOUR EXPENSE, AGAINST ANY AND ALL THIRD-PARTY CLAIMS, ACTIONS, PROCEEDINGS, AND SUITS AND ALL RELATED LIABILITIES, DAMAGES, SETTLEMENTS, PENALTIES, FINES, COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS" FEES AND OTHER DISPUTE RESOLUTION EXPENSES) INCURRED BY ANY INDEMNIFIED PARTY ARISING OUT OF OR RELATING TO YOUR (I) VIOLATION OR BREACH OF ANY TERM OF THIS TERMS OF USE OR ANY POLICY OR GUIDELINES REFERENCED HEREIN, (II) USE OR MISUSE OF THE SITE(S), THE CONTENTS, INCLUDING ANY EQ, THIRD PARTY OR USER CONTENT, OR ANY OTHER ELEMENT OF THE SITE(S) THAT IS TRANSMITTED, E-MAILED, SUBMITTED, POSTED, OR OTHERWISE PROVIDED BY YOU TO THE SITES(S) AND/OR EQUATOR AND/OR ITS THIRD PARTY ADVERTISERS.

Notification of Copyright Infringement

Equator will investigate notices of copyright infringement and take appropriate actions. If you believe that your work has been used or copied in a way that constitutes copyright infringement and such infringement is occurring on or through the Site(s), please notify Equator"s Legal Department.

Pursuant to Title 17, United States Code, Section 512(c)(3), a notification of claimed infringement must be a written communication addressed to the designated agent as set forth below (the "Notice"), and must include substantially all of the following: (a) a physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest that is alleged to have been infringed; (b) a description of the copyrighted work or works that you claim have been infringed ("Infringed Work") and identification of what material in such work(s) is claimed to be infringing ("Infringing Work") and which you request to be removed or access to which is to be disabled; (c) a description of the exact name of the file on the Site(s) (and the location of the file, if it appears on the Site(s) that you claim is infringing or if the Infringed Work appears on a site linked to from the Site(s) where the material that you claim is infringing is located on such site; (d) information sufficient to permit Equator to contact you, such as your physical address, telephone number, and email address; (e) a statement by you that you have a good faith belief that the use of the material identified in your Notice in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you that the information in your Notice is accurate and, under penalty of perjury that you are the copyright owner or authorized to act on the copyright owner"s behalf.

To reach Equator"s IP Agent for Notice of claims of patent, trademark, or copyright infringement, send your Notice to IP Administrator, Legal Department, Equator, LLC, 40, avenue Monterrey, L-2163 Luxembourg City, Luxembourg, via electronic mail at equatorlegal@altisource.com, or by telephone at (310) 469-9500. The Agent should only be contacted if you believe that your work has been used or copied in a way that constitutes copyright infringement and such infringement is occurring or through the Site(s).

 

Severability

If any provision of these Terms of Use shall be deemed unlawful, invalid, void, or for any reason unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations contained herein, then that provision shall be deemed severable from these Terms of Use, and will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and shall not affect the validity and enforceability of any remaining provisions. Unless otherwise specified herein (or in any other definitive written agreement between you and Equator), these Terms of Use constitute the entire agreement between you and Equator with respect to the Site(s) and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Equator with respect to the Site(s). A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Trademarks

All trademarks, service marks, logos, trade names, and any other proprietary designations of Equator used herein are trademarks or registered trademarks of Equator. Any other trademarks, service marks and trade names are the trademarks or registered trademarks of their respective parties.

Electronic Signatures and Agreements

You acknowledge and agree that by clicking on the button labeled "SUBMIT", "DOWNLOAD", "I ACCEPT" or such similar links as may be designated by Equator to accept the terms and conditions of these Terms of Use, you are submitting a legally binding electronic signature and are entering into a legally binding contract. You acknowledge that your electronic submissions constitute your agreement and intent to be bound by these Terms of Use. Pursuant to any applicable statutes, regulations, rules, ordinances or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the "E-Sign Act") or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SITE(S) OR SERVICES OFFERED BY EQUATOR. Further, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by other than electronic means.

Miscellaneous

Equator reserves all rights not expressly granted herein. Equator may modify these Terms of Use at any time by posting the revised Terms of Use on the Site(s). Your continued use of the Site(s) shall constitute your acceptance of such revised Terms of Use. You may not assign any rights granted to you hereunder. Nothing in these Terms of Use shall constitute an employer/employee relationship, partnership, agency or joint venture between you and Equator as a result of these Terms of Use or accessing or using the Site(s). Equator"s performance under these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Equator"s right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the Site(s) or information provided to or gathered by Equator with respect to such use.

The failure of Equator at any time to require performance of any provision hereof shall in no manner affect its right at a later time to enforce the same unless the same is waived in writing by Equator.  These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware without regard to its conflict of law rules.  ANY CLAIM THAT YOU MAY HAVE AGAINST EQUATOR, INCLUDING WITHOUT LIMITATION, CLAIMS ARISING OUT OR RELATING TO THESE TERMS OF USE, THE SITE(S), THE CONTENT(S), YOUR ACCOUNT(S) AND/OR ANY INDEMNIFIED PARTY UNDER THESE TERMS OF USE, WILL BE SUBJECT TO, AND RESOLVED BY, FINAL AND BINDING ARBITRATION. THE ARBITRATOR MAY AWARD RELIEF, INCLUDING WITHOUT LIMITATION, DECLARATORY OR INJUNCTIVE RELIEF, ONLY WITH RESPECT TO YOU AS AN INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY YOUR INDIVIDUAL CLAIM. YOU AGREE YOU MAY BRING CLAIMS AGAINST EQUATOR OR AN INDEMNIFIED PARTY ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, REPRESENTATIVE PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE OR COLLECTIVE PROCEEDING AND THAT BY ENTERING INTO THESE TERMS OF USE, YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. FURTHER, UNLESS BOTH YOU AND EQUATOR AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON"S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. IF THIS SPECIFIC PROVISION IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID. THESE TERMS OF USE EVIDENCE A TRANSACTION IN INTERSTATE COMMERCE SO THE FEDERAL ARBITRATION ACT GOVERNS THE INTERPRETATION AND ENFORCEMENT OF THIS PROVISION FOR CLAIMS YOU MAY HAVE AGAINST EQUATOR. YOU SHALL NOT BE REQUIRED TO PAY ANY COST OR EXPENSE OF THE ARBITRATION THAT YOU WOULD NOT BE REQUIRED TO PAY IF THE MATTER HAD BEEN HEARD IN A COURT.  THE DECISION OF THE ARBITRATOR SHALL BE ISSUED AS A WRITTEN OPINION AND SHALL PROVIDE THE REASONS FOR THE AWARD UNLESS THE PARTIES AGREE OTHERWISE.  THE ARBITRATOR SHALL NOT HAVE THE POWER TO COMMIT ERRORS OF LAW OR LEGAL REASONING AND THE AWARD MAY BE VACATED OR CORRECTED ON APPEAL TO A COURT OF COMPETENT JURISDICTION FOR ANY SUCH ERROR.  THE AVAILABILITY OF JUDICIAL REVIEW AS EXPLAINED IN THE PRECEDING SENTENCE SHALL BE GOVERNED BY THE DELAWARE UNIFORM ARBITRATION ACT.  EXCEPT AS OTHERWISE INDICATED ABOVE, THIS AGREEMENT SHALL BE ENFORCEABLE UNDER AND SUBJECT TO THE FEDERAL ARBITRATION ACT, 9 U.S.C. SECTIONS 1 ET. SEQ. THIS ARBITRATION PROVISION SHALL SURVIVE TERMINATION OF THESE TERMS OF USE.  ANY ARBITRATION THAT TAKES PLACE FOR CLAIMS YOU HAVE AGAINST EQUATOR SHALL OCCUR IN THE STATE OF DELAWARE. ANY ARBITRATION ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL BE CONDUCTED BEFORE A SINGLE NEUTRAL ARBITRATOR IN ACCORDANCE WITH THE EXPEDITED PROCEDURES SET FORTH IN THE JAMS COMPREHENSIVE ARBITRATION RULES AND PROCEDURES AS THOSE RULES EXIST ON THE EFFECTIVE DATE OF THIS AGREEMENT, INCLUDING RULES 16.1 AND 16.2 OF THOSE RULES.  A COPY OF THE JAMS RULES MAY BE OBTAINED AT THE JAMS WEBSITE AT WWW.JAMSADR.COM.

You irrevocably consent to arbitration in the State of Delaware for any and all claims arising out of or relating to your use of the Site(s) and the Contents that Equator has against You.  The terms set forth in these Terms of Use and any agreements included or referred to in these Terms of Use constitute the final, complete and exclusive agreement with respect to the Site(s) and may not be contradicted, explained or supplemented by evidence of any prior agreement, any contemporaneous oral agreement or any consistent additional terms.  Access to or use of the Site(s) is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms of Use, including without limitation this paragraph.

If you have any questions or concerns about these Terms of Use or any issues raised in these Terms of Use or on the Site(s), please contact us at info@equator.com.

Updated- 5-26-15

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