Table of contents
Acceptance of Terms
General Use of The Network
except with the express written permission of Teacup, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site or application, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Network, 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;
damage, disable, overburden, or impair the Network or interfere with any other party’s use and enjoyment of the Network;
obtain or attempt to obtain any materials or information through any means not made readily accessible by Teacup through the Network.
Except with the express written permission of Teacup, you agree that you will not access or attempt to access password protected, secure or non-public areas of the Network.
Except with the express written permission of Teacup, you agree that you will not create links from any Web site, Web page or other application to any page within, or part of, the Network.
The Services provided through the Network may also be located on third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these Services is an offer or promise by Teacup 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, Teacup does not make any representation or warranty with respect to such third party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You are responsible for confirming the sufficiency and reliability of any third party Services, and you hereby release Teacup 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 such Services. Further, please note that certain of the interactive Services 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.
Please note that you may be subject to additional and/or different terms, conditions, and privacy policies when you use third party Services, Content (as defined below), software or sites.
Content Contained in the Network
The Network and all of its contents including, but not limited to, all information, text, messages, images, photos, illustrations, designs, icons, video clips, sounds, files, trademarks, copyrighted material, trade dress, software, specifications, catalogs, literature, technical information, advertisements and other content or materials on the Network (collectively, “Content”) is owned by Teacup and/or third parties with all rights reserved unless otherwise noted. Teacup grants you a limited license to access and use the Network and Content solely for informational, personal and non-commercial purposes (including printing individual pages from the Network provided that you retain all copyright and other proprietary notices contained thereon). You are strictly prohibited from downloading (other than page caching), modifying, or making any other use of the Network or Content, except with express written consent of Teacup. You understand that all third party Content posted on, transmitted through, or linked from the Network, is the sole responsibility of the third party originator of such Content. Content is provided through the Network AS IS, and you agree that the use of and reliance on any Content is at your own risk, and that under no circumstances shall Teacup be liable for any Content or for any loss or damage of any kind incurred as a result of the use of any Content made available via the Services.
You acknowledge that Teacup does not screen or approve third-party Content, and that Teacup shall have the right (but not the obligation) in its sole discretion to refuse, modify, delete or move any Content that is available via the Network, for any reason.
Content You Provide
To the extent that you post, upload, input, submit or otherwise transmit (collectively, “Transmit” or “Transmitting” as appropriate) Content on or through the Network, you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity. You are entirely responsible for all Content that you provide or otherwise make available via the Network. You also warrant and represent that you own or otherwise control all of the rights to such Content including, without limitation, all the rights necessary for you to Transmit such Content, and to transfer your or others’ interests in such Content to Teacup as provided below.
You promise that you will not use the Network to:
Transmit any Content
not related to appropriate subject matters;
which is misleading to others, including consumers;
that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
that you do not have a right to post and transmit under any law or under contractual relationships;
such that such posting, uploading, or transmission constitutes the infringement of any patent, trademark, trade secret, copyright or other proprietary rights of any party;
and materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or
intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law, including the Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act.
By Transmitting Content to the Network, you grant, and you represent and warrant that you have the right to grant, to Teacup an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute the Content and to prepare derivative works of, or incorporate into other works, the Content, and to grant and authorize sublicenses (through multiple tiers) of the foregoing. Furthermore, by posting Content to any public area of the Network, you grant Teacup all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content on the Network by any party for any purpose.
This disclosure statement pertains to the conduct of Teacup and its affiliates, including services we provide, in connection with the mortgage loan industry and Web sites and mobile applications operated by us.
Teacup does not confirm, and does not make or give any guarantee regarding,
(i) any information in any request for, or in any request to be contacted about, a quote, pre-qualification, pre-approval, loan commitment, loan or loan-related document, nor (ii) any information about any consumer, potential borrower or other person who submits or is the subject of an Inquiry, nor (iii) any information about, or in any rating of or feedback about, any advertiser, lender, broker or mortgage or loan professional
Teacup does not guarantee any information provided by any borrower, any specific loan terms and conditions offered by an advertiser, lender, broker or mortgage professional, or that any person will be offered or able to obtain any particular rates, loan, loan application, quote, pre-qualification, pre-approval, loan commitment or loan-related transaction.
Teacup is not acting as a lender, mortgage broker, loan originator, loan processor or underwriter. Teacup does not aid or assist in obtaining loans or loan applications, nor in setting or negotiating any terms thereof, nor in making loan or loan application decisions.
Teacup does not offer loans and does not solicit or participate in the solicitation of loans or loan applications.
Teacup does not take applications for loans or credit nor issue or participate in the issuance of pre-qualifications or pre-approvals (Please note that the meaning of “pre-qualification” and “pre-approval” can sometimes differ the way those terms are used by mortgage lenders and brokers, real estate agents and others. Although “pre-qualification” often is used to refer to a lender’s preliminary estimate, based on unverified information you provide, of the mortgage loan amount you might be able to borrow, and “pre-approval” often is used to refer to an offer or statement provided to you from a lender (a pre-approval letter), based on verified information and often requiring a completed loan application, indicating a specific loan amount you may be offered (or are being offered) subject to the terms of the pre-approval letter, you should be aware that “pre-qualification” and “pre-approval” might have different meanings depending on who is using those terms. One or both of those terms might even have different meanings under different mortgage-related laws, and the use of and requirements for pre-qualifications or pre-approvals from lending institutions might vary depending on the mortgage loan practices of a given lending institution.)
Any request for, inquiry about or agreement to receive or be contacted about loans, loan applications, quotes, pre-qualifications, pre-approvals, loan commitments or loan-related transactions by any consumer or person (e.g., by way of advertisements on Web sites or mobile apps operated by Teacup) is not, and will not be responded to by Teacup as, an order, application, offer or transaction for any credit, loan, loan application, quote, pre-qualification, pre-approval, loan commitment or loan-related transaction or other loan or credit product.
Teacup does not endorse or recommend any lender, any borrower nor any of the products, rates or offerings of any lender, broker or mortgage professional.
Nothing contained in any mortgage-related ad or other ad is an offer to provide, or a solicitation for, any loan, loan application, quote, pre-qualification, pre-approval, loan commitment or loan-related transaction.
Teacup is not an agent of any consumer or borrower nor of any advertiser, lender, broker or mortgage or loan professional.
Teacup sometimes may provide advertising services, services to facilitate contact when consumers wish to be contacted by lenders, mortgage brokers or other loan professionals and/or other like services relating to use of Web sites or mobile apps Teacup operates.
Decisions regarding loans, loan applications, quotes, pre-qualifications, pre-approvals, loan commitments or loan-related transactions are not made by Teacup but are made by lenders, brokers or other loan professionals which might include participating advertisers of Teacup.
Teacup does not make or give any guarantee regarding, and assumes no responsibility for, any such decisions, nor any acts or omissions of lenders, brokers or other loan professionals, nor any result or consequence (direct or indirect) of any business transaction (actual, proposed or discussed) or related communications between lenders, brokers or other loan professionals and any other person, nor any rates, information or other content on or accessible through any Web site or app that did not originate solely from Teacup.
The foregoing disclosures reflect Teacup’s good faith conclusions regarding the subject matter of such disclosures, and Teacup takes no responsibility for, and shall have no liability as a result of or in connection with, any assertions, findings or conclusions that might be made, adjudicated, established or otherwise reached by anyone other than Teacup, nor any actual or alleged inaccuracy of or other fault with any such disclosures.
For purposes of this Mortgage-Relate Disclosure statement, “Teacup” refers to each of Teacup and its affiliates.
Ability to Opt Out from Receiving Certain Communications.
You have the choice to opt out of receiving certain marketing communications (email or text messages) you might receive from Teacup or a Teacup division (each referred to here as a "Sender"). Normally, a marketing email you receive from a Sender will have an opt-out link provided within the email itself (usually toward the bottom), and you typically can opt out of receiving further such marketing emails by clicking on the opt-out link and indicating your decision. If you receive marketing texts from a Sender, you typically can opt out of receiving further such texts by following instructions provided in the text itself or by emailing the Teacup Customer Care team at Privacy@Teacupmedia.com and including sufficient information to allow the Sender to properly respond to your request (e.g., your full name, your complete phone number with area code, and an image or description of the marketing text you received). Whether it's email or text, your request will be handled promptly; but please note that for a reasonable time you might receive further such marketing emails or texts while the Sender processes your request. Note also that opting out of marketing emails or texts will not necessarily cause you to stop receiving non-marketing emails or texts, such as texts about a purchase you may have made, a transaction you may have with a Sender, a lead you have submitted about a property that is for sale or perhaps even about listing alerts you may have requested, as well as other types (for example, about technical, administrative or informational matters) -- but even some or all of these kinds of messages (especially if texts) the Sender may stop as well.
Some additional program details regarding SMS (text) messaging from a Sender, including about opt out, are as follows:
Message and data rates may apply.
Message number and frequency varies and may be recurring for any given program.
Texts sent may include both marketing and non-marketing texts.
Carriers disclaim liability for delayed or undelivered messages.
Applicable Law; Agreement to Arbitrate
Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE UPON ANY AND ALL OF THE NETWORK, SERVICES AND/OR CONTENT IS AT YOUR SOLE RISK AND IS MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS. TEACUP MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF THE NETWORK, SERVICES AND/OR CONTENT. TEACUP EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Limitation of Liability
IN NO EVENT SHALL TEACUP BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE NETWORK, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE NETWORK OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE NETWORK, OR OTHERWISE ARISING OUT OF THE USE OF THE NETWORK, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF TEACUP HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. ANY SERVICES OR CONTENT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE NETWORK, AND ALL OTHER USE OF THE NETWORK, IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS THEREFROM.
All materials on the Network (as well as the organization and layout of the Network) are owned and copyrighted or licensed by Teacup, its corporate affiliates or its third-party vendors. © by Teacup Real Estate Media, LLC, all rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on the Network is permitted without the written permission of Teacup. Any rights not expressly granted herein are reserved.
Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to Teacup’s Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.
Repeat Infringers. It is Teacup's policy to terminate in appropriate circumstances access to or use of the Network (or any part thereof) by repeat infringers.