Educators Mortgage Terms Of Service

1. INTELLECTUAL PROPERTY NOTICES
All content on EducatorsMortgage.net, or any other website owned by Educators Mortgage, including the logo, articles, other text and graphics are the intellectual property of Educators Mortgage and protected trademark, trade dress, patent, copyright and other laws. You may not reverse engineer, decompile, or disassemble any software except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.

2. AGE OF MAJORITY REQUIRED
You must be 18 or older and legally able to be bound by a contract as a condition to receiving the ability to use Educators Mortgage.

3. GENERAL TERMS AND CONDITIONS
We may modify the terms and conditions of this Agreement at any time without notice to you. Your further use of Educators Mortgage or any tool or service that we provide to you subsequent to a change or modification of this Agreement is your express indication to us that you agree to be bound by any change or modification in this Agreement.

You may not transfer this Agreement to any third party nor use our software to benefit any third party.

4. GENERAL EMAIL RULES AND GUIDELINES
The Educators Mortgage email system has been developed to enable you to communicate with email subscribers that have opted-in (i.e. expressly given their permission) to receive information from your company. You may not use any Educators Mortgage product or service for the purpose of sending unsolicited email, or “Spam.” Educators Mortgage respects anti-Spam laws and asks you to act accordingly. You may not use any Educators Mortgage product, service or tool for purposes of breaking any law. You must follow any posted guidelines regarding content and commercial activity limitations. All email addresses that you use must be solely derived from permission based lists. - Educators Mortgage may not be used to send emails to individuals that have not opted-in to receive information via email from your company.
All e-mail messages sent out must comply with all relevant federal and state laws and all content must not violate any federal, state law, code, or regulation, whether criminal or civil in nature.
All e-mail messages must comply with the following:

Message must originate from a valid from address (Educators Mortgage product takes steps to verify this).
Your company name, address, city, state, zip code and phone number must be clearly included.
Unsubscribe must be clearly visible (Educators Mortgage product will place an unsubscribe link in the e-mail).
Customer must comply with unsubscribe requests within 7 business days. An unsubscribed e-mail address should not receive any further e-mails. You must maintain a record of all unsubscribe requests, including the day you removed the address from the subscription list. You must provide us with a copy of such records upon our request.

You must follow the terms and conditions of our Usage Guide. The Usage Guide is incorporated by reference into this document as if fully set forth herein. Please review the Usage Guide frequently as we may update the contents of the Usage Guide at any time. By accepting this contract, you agree to follow the terms and conditions of the Usage Guide and you agree to regularly review the Usage Guide to see if the Usage Guide has been modified, changed or updated. We will not contact you if we modify or change the Usage Guide.

You agree to keep Educators Mortgage.net informed of your valid email address at all times. In the event that Educators Mortgage.net should make any modification of this agreement, Educators Mortgage.net will send you an email addressed to the email address that you have provided us. Once we send an email notifying you of a change or modification to this agreement, you agree to be bound by any such change or modification, regardless of whether you have changed your email address or actually received the email notification.

The Educators Mortgage service gives its users all the tools necessary to build and maintain an opt-in email list. Educators Mortgage also allows you to import existing lists of email addresses. The email addresses that are imported must have opt-ed in to receive messages from your company. These features make it easy for users to build and use lists of opt-in subscribers and eliminate the need to send unsolicited emails. Therefore, in the event that a complaint is received or an instance reported of an unsolicited email message sent by your company using Educators Mortgage, Educators Mortgage will investigate claims of unsolicited email messages sent using the service. If Educators Mortgage determines that a user is employing the service to send emails to recipients who have not opted in or recipients that have unsubscribed on a prior occasion, the account will be immediately terminated. By using our product you guarantee payment of this amount. You hereby authorize Educators Mortgage.net to charge your credit card account for any such amount as is necessary to equal such charges.

5. SPECIAL EMAIL PROVISIONS
Adding New Members: You will use a "double opt-in" (signup plus confirmation) subscription method for all new list members. For the purpose of this Agreement, a "double opt-in" method shall mean that when you add a new member's email address to the list, that email address shall not be activated unless and until the new member receives a single confirmation e-mail from you requesting the member's consent to be added to the list, and Educators Mortgage receives from the new member a confirmation action (such as a confirming e-mail from the new member's email address) approving such action. The confirmation e-mail sent by the Customer to new members may not include advertising or calls-to-action other than an appeal to confirm the member's subscription.

Importing Members: You may only import members previously obtained directly by you using the "double opt-in" procedures described above. You may not import unconfirmed (single opt-in or opt-out) members directly into your list under any circumstances. You MAY NOT import members from co-registered or purchased sources, regardless of the confirmation status of said members.
One-Time Mailings: You may not use Educators Mortgage for one-time mailings to a list of members after which you substantially delete the membership and create a new list. Your membership must be a static, permanent list to which you add or delete new members and/or members subscribe or unsubscribe themselves in the ordinary course. Failure to comply with any provision of the Educators Mortgage Terms of Use or Usage Guide will result in an immediate termination of service, and no monies paid to Educators Mortgage will be returned.

You agree to hold Educators Mortgage.net, its parent corporation, any assigns or partners, officers and staff, harmless and defend from any and all civil actions relating to your use or abuse of any Educators Mortgage product or service.
Content: Some content (both subject and body content) cannot be sent through Educators Mortgage under any circumstances. This includes the following but is not limited to:

If you are unsure about how this applies to your email content, please contact us before using the service.

6. USER GUIDE ELEMENTS
Educators Mortgage is an opt-in email marketing system.
When using Educators Mortgage you must ensure that the following criteria are met for outgoing messages:

You must also agree to follow standard Internet etiquette for email and state/federal laws which offer the following usage provisions:

You must not harvest email addresses.
You may only send out to those individuals that have given you explicit permission to email them.
You must fully comply with unsubscribe requests. Full compliance means that you do not ever email this the address unless the email address owner provides permission and rescinds the unsubscribe request.

7. REGARDING FUNCTIONALITY
All content, tools, functions and services provided via us are provided on an “as is” basis and we disclaim any and all warranties, express or implied, including those warranties of merchantability, fitness for a particular purpose, title and non-infringement. Such disclaimers may be limited by the laws of your state, and if so limited, may not apply to you. No warranties of validity regarding any of the content provided by us are made.

8. TERMINATION OF SERVICE
We reserve the right to terminate any and all service provided to you at any time without notice for any reason we deem fit. We also reserve the right to discontinue any service or modify any service with no notice to you. If we terminate services to you, we will deactivate your account. We shall not be liable to you or any third party if we terminate your account and you agree to hold us harmless and indemnify us from any third party claims arising from the termination of your account. No refunds will be granted to you if we terminate your account. You agree that monetary damages may not adequately provide a remedy for us if you violate any of the terms and conditions of this Agreement and you agree that we may approach a Court of Equity of competent jurisdiction for the purpose of obtaining Orders in Equity should you violate any element of this Agreement.

9. ARBITRATION
This Agreement, including all Disclaimers, will be governed by and construed in accordance with the internal laws of the State of California excluding that body of laws known as choice of law or conflict of laws. Subject to the provisions of this Section all disputes, controversies or claims arising out of or relating to this Agreement will be resolved through mandatory binding arbitration conducted in Sacramento, California before J.A.M.S./ENDISPUTE or its successor ("JAMS") pursuant to the United States Arbitration Act, 9 U.S.C. Section 1, et seq. (the "Act"); and (iii) this Agreement. The arbitration will be conducted in accordance with the provisions of J.A.M.S.'s Streamlined Arbitration Rules and Procedures in effect at the time of filing of the demand for arbitration (the "JAMS Rules"), subject to the provisions of this Section. The terms set forth in this Agreement will control in the event of any inconsistency between such terms and the JAMS Rules. The parties will cooperate with JAMS and with each other in promptly selecting a single arbitrator from JAMS's panel of neutrals. If the parties fail to so select an arbitrator within thirty (30) days following the date of either party's notice of demand to conduct arbitration, then JAMS will appoint an arbitrator in accordance with the JAMS Rules. The award of the arbitrator will be in writing and will set forth findings of fact and conclusions of law. Judgment on the arbitrator's award will be final and binding upon the parties and may be entered in any court having jurisdiction thereof. If for any reason JAMS or its successor no longer is in business, then the arbitration shall be conducted in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitrator's fees will be shared equally by the parties and each party will bear its own costs and attorneys' fees. All papers, documents, or evidence, whether written or oral, filed with or presented in connection with the arbitration proceeding will be deemed by the parties and by the arbitrator to be confidential information of both parties. The arbitrator chosen in accordance with these provisions will not have the power to alter, amend or otherwise affect the terms of these arbitration provisions or the provisions of this Agreement. Notwithstanding the foregoing, nothing in this Section shall prevent either party from applying for and obtaining from a court a temporary restraining order and/or other injunctive relief. Any and all disputes regarding the content presented on this site must be resolved through arbitration as set forth in this section.

10. NONDISCLOSURE
Each party shall retain in confidence all proprietary and confidential information transmitted to the other that the disclosing party has identified in writing, or orally and then subsequently identified in writing, as being proprietary and/or confidential, and will make no use of such information except under the terms and during the Term of this Agreement. You agree to use all reasonable precautions and take all necessary steps to prevent our confidential information, data, scripts, object code, source code, programs, business plans, business models, business concepts, communications and any and all further confidential information from being acquired by unauthorized persons, and to take appropriate action, by instruction, agreement, or otherwise, with regard to all persons permitted access to our owned confidential information and data, in order to ensure our confidential information and data are protected. Client shall not disclose any of our confidential information to any person for any purpose other than as provided in this Agreement. However, neither party shall have an obligation to maintain the confidentiality of information that (a) it has rightfully received from another party prior to its receipt from the disclosing party; (b) the disclosing party has disclosed to a third party without any obligation to maintain such information in confidence, (c) enters the public domain or becomes generally known to the public by some action other than breach of this Agreement by the receiving party; or (d) is independently developed by the receiving party. Each party shall safeguard proprietary and confidential information disclosed by the other using the same degree of care it uses to safeguard its own proprietary and confidential information but, in no event, shall use less than a reasonable degree of care. Each party’s obligation under this paragraph shall extend for a period of three (3) years following termination or expiration of this Agreement.

11. WAIVER AND AMENDMENTS
No waiver, amendment, or modification of any provision of this Agreement shall be effective unless agreed to by both parties in writing. No failure or delay by either party in exercising any rights, power, or remedy under this Agreement shall operate as a waiver of any such right, power, or remedy.

12. SEVERABILITY
Should any term of this Agreement be finally determined by a court of competent jurisdiction to be invalid, unenforceable or otherwise contrary to law and equity, the parties agree that such provision shall be construed, limited, modified or, if necessary, severed, to the extent necessary to eliminate its invalidity or unenforceability, and that the other provisions of this Agreement shall remain unaffected.

13. FORCE MAJEURE
Neither party shall be liable for any delay or failure in performance due to Force Majeure, which shall mean acts of God, earthquake, labor disputes, changes in law, regulation or government policy, riots, war, fire, flood, insurrection, sabotage, embargo, epidemics, acts or omissions of vendors or suppliers, transportation difficulties, unavailability of interruption or delay in telecommunications or third party services (including DNS propagation), failure of third party software or hardware or inability to obtain raw materials, supplies, or power used in or equipment needed or other occurrences which are beyond either party’s reasonable control.

14. ENTIRE AGREEMENT
This Agreement contains the full understanding between the parties and supersedes all prior representations or agreements, whether oral or written, with respect to such matters.

Terms of Service

Home		Privacy Policy
-- IMPORTANT -- PLEASE READ -- 1. INTELLECTUAL PROPERTY NOTICES All content on EducatorsMortgage.net, or any other website owned by Educators Mortgage, including the logo, articles, other text and graphics are the intellectual property of Educators Mortgage and protected trademark, trade dress, patent, copyright and other laws. You may not reverse engineer, decompile, or disassemble any software except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation. 2. AGE OF MAJORITY REQUIRED You must be 18 or older and legally able to be bound by a contract as a condition to receiving the ability to use Educators Mortgage. 3. GENERAL TERMS AND CONDITIONS We may modify the terms and conditions of this Agreement at any time without notice to you. Your further use of Educators Mortgage or any tool or service that we provide to you subsequent to a change or modification of this Agreement is your express indication to us that you agree to be bound by any change or modification in this Agreement. You may not transfer this Agreement to any third party nor use our software to benefit any third party. 4. GENERAL EMAIL RULES AND GUIDELINES The Educators Mortgage email system has been developed to enable you to communicate with email subscribers that have opted-in (i.e. expressly given their permission) to receive information from your company. You may not use any Educators Mortgage product or service for the purpose of sending unsolicited email, or “Spam.” Educators Mortgage respects anti-Spam laws and asks you to act accordingly. You may not use any Educators Mortgage product, service or tool for purposes of breaking any law. You must follow any posted guidelines regarding content and commercial activity limitations. All email addresses that you use must be solely derived from permission based lists. - Educators Mortgage may not be used to send emails to individuals that have not opted-in to receive information via email from your company. All e-mail messages sent out must comply with all relevant federal and state laws and all content must not violate any federal, state law, code, or regulation, whether criminal or civil in nature. All e-mail messages must comply with the following: Message must originate from a valid from address (Educators Mortgage product takes steps to verify this). Your company name, address, city, state, zip code and phone number must be clearly included. Unsubscribe must be clearly visible (Educators Mortgage product will place an unsubscribe link in the e-mail). Customer must comply with unsubscribe requests within 7 business days. An unsubscribed e-mail address should not receive any further e-mails. You must maintain a record of all unsubscribe requests, including the day you removed the address from the subscription list. You must provide us with a copy of such records upon our request. You must follow the terms and conditions of our Usage Guide. The Usage Guide is incorporated by reference into this document as if fully set forth herein. Please review the Usage Guide frequently as we may update the contents of the Usage Guide at any time. By accepting this contract, you agree to follow the terms and conditions of the Usage Guide and you agree to regularly review the Usage Guide to see if the Usage Guide has been modified, changed or updated. We will not contact you if we modify or change the Usage Guide. You agree to keep Educators Mortgage.net informed of your valid email address at all times. In the event that Educators Mortgage.net should make any modification of this agreement, Educators Mortgage.net will send you an email addressed to the email address that you have provided us. Once we send an email notifying you of a change or modification to this agreement, you agree to be bound by any such change or modification, regardless of whether you have changed your email address or actually received the email notification. The Educators Mortgage service gives its users all the tools necessary to build and maintain an opt-in email list. Educators Mortgage also allows you to import existing lists of email addresses. The email addresses that are imported must have opt-ed in to receive messages from your company. These features make it easy for users to build and use lists of opt-in subscribers and eliminate the need to send unsolicited emails. Therefore, in the event that a complaint is received or an instance reported of an unsolicited email message sent by your company using Educators Mortgage, Educators Mortgage will investigate claims of unsolicited email messages sent using the service. If Educators Mortgage determines that a user is employing the service to send emails to recipients who have not opted in or recipients that have unsubscribed on a prior occasion, the account will be immediately terminated. By using our product you guarantee payment of this amount. You hereby authorize Educators Mortgage.net to charge your credit card account for any such amount as is necessary to equal such charges. 5. SPECIAL EMAIL PROVISIONS Adding New Members: You will use a "double opt-in" (signup plus confirmation) subscription method for all new list members. For the purpose of this Agreement, a "double opt-in" method shall mean that when you add a new member's email address to the list, that email address shall not be activated unless and until the new member receives a single confirmation e-mail from you requesting the member's consent to be added to the list, and Educators Mortgage receives from the new member a confirmation action (such as a confirming e-mail from the new member's email address) approving such action. The confirmation e-mail sent by the Customer to new members may not include advertising or calls-to-action other than an appeal to confirm the member's subscription. Importing Members: You may only import members previously obtained directly by you using the "double opt-in" procedures described above. You may not import unconfirmed (single opt-in or opt-out) members directly into your list under any circumstances. You MAY NOT import members from co-registered or purchased sources, regardless of the confirmation status of said members. One-Time Mailings: You may not use Educators Mortgage for one-time mailings to a list of members after which you substantially delete the membership and create a new list. Your membership must be a static, permanent list to which you add or delete new members and/or members subscribe or unsubscribe themselves in the ordinary course. Failure to comply with any provision of the Educators Mortgage Terms of Use or Usage Guide will result in an immediate termination of service, and no monies paid to Educators Mortgage will be returned. You agree to hold Educators Mortgage.net, its parent corporation, any assigns or partners, officers and staff, harmless and defend from any and all civil actions relating to your use or abuse of any Educators Mortgage product or service. Content: Some content (both subject and body content) cannot be sent through Educators Mortgage under any circumstances. This includes the following but is not limited to: gambling betting lead sales pornography/adult content pharmaceutical promotion or sale of products or services that are deemed unlawful within the United States If you are unsure about how this applies to your email content, please contact us before using the service. 6. USER GUIDE ELEMENTS Educators Mortgage is an opt-in email marketing system. When using Educators Mortgage you must ensure that the following criteria are met for outgoing messages: The from address is a valid email address Your full contact information including mailing address and phone number is included in the message. An unsubscribe link is clearly viewable in your message. You will review and abide by all Can-Spam requirements. You must also agree to follow standard Internet etiquette for email and state/federal laws which offer the following usage provisions: You must not harvest email addresses. You may only send out to those individuals that have given you explicit permission to email them. You must fully comply with unsubscribe requests. Full compliance means that you do not ever email this the address unless the email address owner provides permission and rescinds the unsubscribe request. 7. REGARDING FUNCTIONALITY All content, tools, functions and services provided via us are provided on an “as is” basis and we disclaim any and all warranties, express or implied, including those warranties of merchantability, fitness for a particular purpose, title and non-infringement. Such disclaimers may be limited by the laws of your state, and if so limited, may not apply to you. No warranties of validity regarding any of the content provided by us are made. 8. TERMINATION OF SERVICE We reserve the right to terminate any and all service provided to you at any time without notice for any reason we deem fit. We also reserve the right to discontinue any service or modify any service with no notice to you. If we terminate services to you, we will deactivate your account. We shall not be liable to you or any third party if we terminate your account and you agree to hold us harmless and indemnify us from any third party claims arising from the termination of your account. No refunds will be granted to you if we terminate your account. You agree that monetary damages may not adequately provide a remedy for us if you violate any of the terms and conditions of this Agreement and you agree that we may approach a Court of Equity of competent jurisdiction for the purpose of obtaining Orders in Equity should you violate any element of this Agreement. 9. ARBITRATION This Agreement, including all Disclaimers, will be governed by and construed in accordance with the internal laws of the State of California excluding that body of laws known as choice of law or conflict of laws. Subject to the provisions of this Section all disputes, controversies or claims arising out of or relating to this Agreement will be resolved through mandatory binding arbitration conducted in Sacramento, California before J.A.M.S./ENDISPUTE or its successor ("JAMS") pursuant to the United States Arbitration Act, 9 U.S.C. Section 1, et seq. (the "Act"); and (iii) this Agreement. The arbitration will be conducted in accordance with the provisions of J.A.M.S.'s Streamlined Arbitration Rules and Procedures in effect at the time of filing of the demand for arbitration (the "JAMS Rules"), subject to the provisions of this Section. The terms set forth in this Agreement will control in the event of any inconsistency between such terms and the JAMS Rules. The parties will cooperate with JAMS and with each other in promptly selecting a single arbitrator from JAMS's panel of neutrals. If the parties fail to so select an arbitrator within thirty (30) days following the date of either party's notice of demand to conduct arbitration, then JAMS will appoint an arbitrator in accordance with the JAMS Rules. The award of the arbitrator will be in writing and will set forth findings of fact and conclusions of law. Judgment on the arbitrator's award will be final and binding upon the parties and may be entered in any court having jurisdiction thereof. If for any reason JAMS or its successor no longer is in business, then the arbitration shall be conducted in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitrator's fees will be shared equally by the parties and each party will bear its own costs and attorneys' fees. All papers, documents, or evidence, whether written or oral, filed with or presented in connection with the arbitration proceeding will be deemed by the parties and by the arbitrator to be confidential information of both parties. The arbitrator chosen in accordance with these provisions will not have the power to alter, amend or otherwise affect the terms of these arbitration provisions or the provisions of this Agreement. Notwithstanding the foregoing, nothing in this Section shall prevent either party from applying for and obtaining from a court a temporary restraining order and/or other injunctive relief. Any and all disputes regarding the content presented on this site must be resolved through arbitration as set forth in this section. 10. NONDISCLOSURE Each party shall retain in confidence all proprietary and confidential information transmitted to the other that the disclosing party has identified in writing, or orally and then subsequently identified in writing, as being proprietary and/or confidential, and will make no use of such information except under the terms and during the Term of this Agreement. You agree to use all reasonable precautions and take all necessary steps to prevent our confidential information, data, scripts, object code, source code, programs, business plans, business models, business concepts, communications and any and all further confidential information from being acquired by unauthorized persons, and to take appropriate action, by instruction, agreement, or otherwise, with regard to all persons permitted access to our owned confidential information and data, in order to ensure our confidential information and data are protected. Client shall not disclose any of our confidential information to any person for any purpose other than as provided in this Agreement. However, neither party shall have an obligation to maintain the confidentiality of information that (a) it has rightfully received from another party prior to its receipt from the disclosing party; (b) the disclosing party has disclosed to a third party without any obligation to maintain such information in confidence, (c) enters the public domain or becomes generally known to the public by some action other than breach of this Agreement by the receiving party; or (d) is independently developed by the receiving party. Each party shall safeguard proprietary and confidential information disclosed by the other using the same degree of care it uses to safeguard its own proprietary and confidential information but, in no event, shall use less than a reasonable degree of care. Each party’s obligation under this paragraph shall extend for a period of three (3) years following termination or expiration of this Agreement. 11. WAIVER AND AMENDMENTS No waiver, amendment, or modification of any provision of this Agreement shall be effective unless agreed to by both parties in writing. No failure or delay by either party in exercising any rights, power, or remedy under this Agreement shall operate as a waiver of any such right, power, or remedy. 12. SEVERABILITY Should any term of this Agreement be finally determined by a court of competent jurisdiction to be invalid, unenforceable or otherwise contrary to law and equity, the parties agree that such provision shall be construed, limited, modified or, if necessary, severed, to the extent necessary to eliminate its invalidity or unenforceability, and that the other provisions of this Agreement shall remain unaffected. 13. FORCE MAJEURE Neither party shall be liable for any delay or failure in performance due to Force Majeure, which shall mean acts of God, earthquake, labor disputes, changes in law, regulation or government policy, riots, war, fire, flood, insurrection, sabotage, embargo, epidemics, acts or omissions of vendors or suppliers, transportation difficulties, unavailability of interruption or delay in telecommunications or third party services (including DNS propagation), failure of third party software or hardware or inability to obtain raw materials, supplies, or power used in or equipment needed or other occurrences which are beyond either party’s reasonable control. 14. ENTIRE AGREEMENT This Agreement contains the full understanding between the parties and supersedes all prior representations or agreements, whether oral or written, with respect to such matters. Questions about this Terms of Service should be addressed by postal mail at: EduPrograms 4750 S. Biltmore Lane Madison, WI 53718 USA

Terms of Service