1st Florida Lending - Terms of Use Agreement This site is not connected with any government agency. If you would like to find more information about benefits offered by the U.S. Department of Veteran Affairs, please visit the official U.S. government web site for veterans' benefits at http://www.va.gov This Agreement Helps Protect You We strongly encourage you to read our Terms of Use Agreement. When accessing this website and any of its contents, you agree to be bound by the following terms and conditions. If you do not agree to the Terms of Use Agreement, you are not authorized to use this site. 1. Disclaimers 1st Florida Lending Corp tries its best to ensure the information on this website in its entirety is accurate. However, errors may occur. 1st Florida Lending Corp reserves the right to make changes and/or improvements to this website at anytime. Furthermore, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED "AS IS". 1st FLORIDA LENDING CORP AND/OR ITS PARTICIPATING PARTNERS DISCLAIM ANY WARRANTY OF ANY KIND. USE THIS WEBSITE AT YOUR OWN RISK. 11st FLORIDA LENDING CORP AND ITS PARTICIPATING LENDERS AND/OR PARTNERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THIS WEBSITE. 1st Florida Lending Corp is not responsible for any damages to property, including, but not limited to, worms, viruses, Trojan horses, trap doors, back doors, time bombs, cancel bots, or any other code or computer program that may interfere with the transfer of data or destruction to property. 2. We Won't Access Your Credit Simply submitting your information on this secure site does not allow us to check your credit. 3. Loan Request Services When submitting a 1st Florida Lending Corp loan request form you authorize 1st Florida Lending Corp to provide your information to our lending source. No credit check will be performed by 1st Florida Lending Corp. without your verbal and/or written authorization. You will receive a phone call from one of our lending professionals, at which time you may be asked for additional information. At this time you may also be able to choose whether or not to give us permission to check your credit. 4. Terms Applicable to All Loan Request Services 1st Florida Lending Corp does not endorse or recommend any specific products that may be offered by any of the lenders we share information with nor will we guarantee loan approval through any lender or any specific loan product. When deciding what loan product is best for you, it is up to you to use your own judgment. The lender you choose to do business with is solely responsible for the services they offer. You understand and agree that 1st Florida Lending Corp is in no way liable for any costs or damages incurred while doing business with the lender(s) we share your information with. Furthermore, you understand that the lender(s) we share your information with may keep your loan request form regardless of whether or not they are able to qualify you for a loan. 5. Dispute Resolution Any claim or dilemma arising out of or related to the use of 1st Florida Lending Corp shall be executed by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association. The arbitration shall take place in Orange County, Florida. This agreement provides that all disputes shall be resolved by binding arbitration. You, the consumer, forfeit all rights to go to court to defend or assert your rights. The consumer also forfeits all rights to bring class actions against 1st Florida Lending Corp. By using the goods or services provided by 1st Florida Lending Corp, you give consent to these restrictions. 6. Indemnity You agree to indemnify 1st Florida Lending Corp and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this website, including without limitation any claims alleging facts that if true would constitute a breach by you of this Terms of Use Agreement. 7. Errors and Delays 1st Florida Lending Corp is not responsible for any errors or delays in responding to your loan request form due to inaccurate information provided by you, or any other reason beyond our reasonable control. 8. Other Terms This agreement between you, the consumer, and 1st Florida Lending Corp, supersedes all prior communications, promises, or proposals, whether oral, written, or electronic. This agreement shall be subject to the laws of the state of Florida. All rights not expressly granted are reserved. We reserve the right to change this policy, refuse a loan, change the terms of any loan at any time without further notification. Please check our website periodically for the most recent version of our Privacy Policy.