AUTHORIZATION
All of the information I have provided in any inquiry or application form provided to Expercent through this website is true and complete. I authorize Expercent to obtain information regarding my credit, employment history, income, and assets. In addition, I authorize Expercent to obtain my credit report and information concerning any property that may secure my loan. I understand Expercent may keep all information that I provide through this website or that is otherwise obtained by Expercent in connection with my inquiry or application.

WEBSITE LINKS
This website may contain links to other websites maintained by other parties. Such links are provided for your convenience only. Our inclusion of any link does not imply an endorsement of the site, any services or products offered thereon, or its sponsoring organization.

SECURITY
Expercent uses sophisticated technology to protect your data and the transmissions between you and Expercent. Here are some highlights:

• Transmission between browsers and our web servicer is implemented using Secure Sockets Layer (SSL) technology. This technology requires a SSL-capable browser such as MS Internet Explorer 3.0 (or later) or Netscape Navigator 2.0 (or later).
• Transmissions between Expercent and you are encrypted using public key cryptography algorithms with a minimum key size of 128 bits.
• Our database is physically separated from our web server and is protected by a physical firewall.
• Our online approval process provides individual login that relies on the user name and password that you select.
• Information you provide us is stored in Expercent’ servers that are located in a secure facility with restricted access. There is no outside company that provides administration of our systems.

Although Expercent has taken these reasonable and appropriate measures to ensure that your personal information is transmitted securely. Expercent cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

LIMITATIONS/DISCLAIMERS
While Expercent makes every effort to ensure that the information contained on this website is accurate and reliable, sometimes errors occur. In addition, Expercent may make changes and improvements to the information provided herein at any time. THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." Expercent AND/OR ITS SUPPLIERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING THIS WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEBSITE IS AT YOUR OWN RISK. Expercent AND/OR ITS SUPPLIERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Expercent AND/OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNITY
As a condition of use of this website, you agree to indemnify Expercent and its suppliers from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this website, provided that such claims allege facts that, if true, would constitute a breach by you of this agreement.

GENERAL
This agreement shall be subject to and construed in accordance with the laws of the State of California, excluding its conflict of law principles. You hereby consent to the exclusive jurisdiction and venue of the courts in Los Angeles County, California, U.S.A., in all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction which limits the effectiveness of any provision of these terms of use, including without limitation this paragraph. This agreement constitutes the entire agreement between you and Expercent with respect to the use of this website and supersedes all prior or contemporaneous communications, whether oral, written or electronic, between you and Expercent with respect to this website and the products and services associated with it. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted are reserved.

IF YOUR INTERNET ACCESS DEVICE PERMITS YOU TO DO SO, PLEASE PRINT OR DOWNLOAD A COPY OF THIS AGREEMENT FOR YOUR RECORDS.