Terms of Use

General
Welcome to the HFS Financial website. The following are the rules and terms that govern your use of this Site and any use you make of this Site. HFS Financial reserves the right to modify these terms of use at any time, effective immediately upon reposting of the revised terms on this Site.

Permitted Use
You agree that you are authorized to use and view this Site for your personal non-commercial use and that you will not duplicate, download, publish, modify, or otherwise distribute any material on this Site for any purpose other than for personal use unless authorized in advance and in writing by HFS Financial. You also agree not to deep-link to any page on this Site for any purpose, unless you have HFS Financial's prior written approval, and agree that all of the content and software on this Site is property of HFS Financial and protected by U.S. and other country's laws.

Disclaimer of Warranties and Limitation of Liability
YOUR USE OF THIS SITE IS AT YOUR OWN RISK AND THIS SITE IS PRESENTED "AS IS." ACCORDINGLY, HFS Financial DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO ANY INFORMATION ON THE SITE, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL HFS Financial NOR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFIT, WHETHER SUCH ACTION ARISES OUT OF CONTRACT, NEGLIGENCE OR TORT, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR ANY INFORMATION ON THIS SITE (INCLUDING ERRORS OR OMISSIONS IN THE CONTENT ON THIS SITE). CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Copyrights
All copyrighted and copyrightable materials on this Site, including, without limitation, the design, text, graphics, pictures, sound files and other files (the "Materials") are copyrighted and all rights are reserved Copyright ©2011 HFS Financial. Except as stated herein, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of HFS Financial. Permission is granted to display, copy, distribute and download the materials on this Site for person, non-commercial and informational use only; provided that, you may not, with the prior written permission of HFS Financial (a) copy, publish or post any Materials on any computer network, broadcast or publication, (b) modify the Materials or (c) remove or alter any copyright or other proprietary notices contained in the Materials. Any other trademarks, product names and company names or logos within this Site are the property of their respective owners, and may not be copied, distributed, republished, downloaded, displayed, posted or transmitted without the prior written permission of their respective owners.

Trademarks
HFS Financial and www.hfsfinancial.net are among the trademarks, service marks or registered trademarks owned or exclusively licensed by HFS Financial. These marks may not be copied, imitated or used, without the prior written permission of HFS Financial. In addition, all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress owned or controlled by HFS Financial and may not be copied, imitated or used, without the prior written permission of HFS Financial.

Site Policies, Modification, and Severability
Please review our other policies, such as our privacy statement, posted on this Site. These policies also govern your visit to www.hfsfinancial.net. We reserve the right to make changes to our site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Disputes
By your use of this Site, you agree that any dispute will be governed by the laws of the State of Maryland without regard to its conflict of law provisions. You agree to personal jurisdiction by and venue in the federal and state courts of and the City of Baltimore.

Links to Other Websites and Services
This Site contains links to third party website information, services, and resources. HFS Financial does not develop or manage the content found on these sites. Any concerns regarding any such information, service, or resource, or any policy of such site, should be directed to the particular third party.

www.hfsfinancial.net Communications
You agree that HFS Financial may send electronic mail to you for the purpose of informing you of upcoming events or other offers, notifying you of significant site changes, or other purposes we deem appropriate.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent. Your E-Consent for our matching service and for our third party lenders' consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

CREDIT UNION DISCLOSURE: If the applicant wishes to accept a loan offer from a credit union lender, the applicant must be a member of the credit union, and, therefore, certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply.

Our Commitment to Privacy: All information stored in our database is secure and is strictly confidential. Your personal and credit information will only be used to fulfill your request and in accordance with our Privacy Policy.

Acknowledgement and Consent: You understand that by accepting the "Terms of Use" and clicking the "I Agree / Submit" button in the inquiry, you certify that all of the information provided in this application is true and correct, and you are confirming you have read and understand the Privacy Policy and Application Disclosure, and you are providing written instructions to this company under the Fair Credit Reporting Act authorizing this company to obtain information from your personal credit profile or other information from Experian and/or TransUnion and/or Equifax.

I/we hereby submit the above information to HFS Financial for the purpose of obtaining assistance from HFS Financial in potentially securing a swimming pool or home improvement loan from a lender. In connection with the inquiry, I authorize HFS Financial to share my information with such potential lenders and/or their affiliate agents or brokers and/or partners of HFS Financial such as the referal source of this loan inquiry which may be a third party home improvement contractor or lead generation source such as an online marketer and lead provider. HFS may update these parties on the status of the loan inquiry such as inquiry received, approved, denied, etc. Moreover, by voluntarily providing HFS Financial with my phone number, I expressly authorize HFS Financial [and/or lenders who HFS Financial submits my/our information to], to communicate with me through live telephone call or message regarding my inquiry [at the phone number(s) (including mobile device numbers) I/we provide or associate with my/our account and/or loan, including, but not limited to calling or texting via an automated dialing service, leaving a voice message (including a prerecorded or artificial message sent via an automated dialing device), and sending an email or other electronic message to me/us for any purpose related to my/our use of this website, or an application started on this website, even if I/we will be charged by my/our mobile service provider].

I/we hereby give (my/)our consent to HFS Financial Services, LLC, and/or its subsidiaries, affiliates, or potential agents, brokers, lenders, servicers and successors and or/assignees and any consumer reporting agency they may designate, to each obtain consumer reports and related information about (me/us) from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax. I/we hereby acknowledge all information stated in this application is declared to be a true representation of the facts and is made for the purpose of obtaining the requested credit. I/we acknowledge that my(/our) application for credit will be submitted to HFS Financial Services, LLC, and/or its subsidiaries, affiliates, or potential agents, brokers, lenders, servicers and successors and or/assignees and any consumer reporting agency.

I/we authorize affiliates, agents, brokers, lenders, servicers and successors and/or assignees to notify HFS Financial about the lender's decision to approve or deny my/our loan application, which may include my/our application status, unique loan ID, personally-identifiable information, credit report and/or and the terms of my/our loan offer if I/we am/are approved for the loan.