123 MORTGAGE REFINANCE

Lowest Mortgage Rates Guaranteed

Mortgage Rate as of 2.875% APR

Commitment To Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested. We do not have any physical location. We provide only online tools and tips for mortgage refinance.

We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals. Finally, we never use or share the personally identifiable information provided online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses. We are not a banker or lender (Service Provider). We just match you with the loan products available matching the criteria you submit to find the lowest possible refinance rates.

Introduction
The Website Owner, including subsidiaries and affiliates (“Website” or “Website Owner” or “we” or “us” or “our”) provides the information contained on this website or any of the pages comprising the website (“website”) to visitors (“visitors”) (cumulatively referred to as “you” or “your” hereinafter) subject to the terms and conditions set out in these website terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of this website.

Information on the Website
Whilst every effort is made to update the information contained on this website, neither the Website Owner nor any third party or data or content provider make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information, opinions, any share price information, research information, data and/or content contained on the website (including but not limited to any information which may be provided by any third party or data or content providers) (“information”) and shall not be bound in any manner by any information contained on the website.

Trade Marks
The trade marks, names, logos and service marks (collectively “trade marks”) displayed on this website are registered and unregistered trade marks of the Website Owner. Nothing contained on this website should be construed as granting any license or right to use any trade mark without the prior written permission of the Website Owner.

External Links
External links may be provided for your convenience, but they are beyond the control of the Website Owner and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use.

No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of the Website Owner. Please contact us if you would like to link to this website or would like to request a link to your website.

Refinance Tips!

- Home owner of a one to four unit
- Current on your mortgage payments
- With or Without mortgage insurance
- Current mortgage documents
- Most recent income tax return or paystubs
- Immediate reduction in your payments

123 Mortgage Refinance is not acting as a lender or a broker ("Service Provider"). The information provided by you to us is not an application for a mortgage loan nor it is used to pre-qualify you with any lender. Leading Service Providers, who participate in our matching engine, may have loan products available, matching the criteria you submit via our forms.

Routine Information Collection
All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.

Cookies and Web Beacons
Where necessary, Rain Boots Women uses cookies to store information about a visitor’s preferences and history in order to better serve the visitor and/or present the visitor with customized content.

Advertising partners and other third parties may also use cookies, scripts and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies.

Controlling Your Privacy
Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms.

Public Forums and User Submissions
The Website Owner is not responsible for any material submitted to the public areas by you (which include bulletin boards, hosted pages, chat rooms, or any other public area found on the website. Any material (whether submitted by you or any other user) is not endorsed, reviewed or approved by the Website Owner.

The Website Owner reserves the right to remove any material submitted or posted by you in the public areas, without notice to you, if it becomes aware and determines, in its sole and absolute discretion that you are or there is the likelihood that you may, including but not limited to:

* defame, abuse, harass, stalk, threaten or otherwise violate the rights of other users or any third parties;
* publish, post, distribute or disseminate any defamatory, obscene, indecent or unlawful material or information;
* post or upload files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of the Website Owner<92>s and/or a third party<92>s computer system and/or network;
* violate any copyright, trade mark, other applicable The United States of America or international laws or intellectual property rights of the Website Owner or any other third party;
* submit contents containing marketing or promotional material which is intended to solicit business.

Specific Use
You further agree not to use the website to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify the Website Owner against any loss, liability, damage or expense of whatever nature which the Website Owner or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of the website to send or post any such message or material.

Warranties
The Website Owner makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website, the information contained on the website, your or your company<92>s personal information or material and information transmitted over our system.

Disclaimer of Liability
The Website Owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website, your or your company<92>s personal information or material and information transmitted over our system.

In particular, neither the Website Owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

Use of the Website
The Website Owner does not make any warranty or representation that information on the website is appropriate for use in any jurisdiction (other than The United States of America). By accessing the website, you warrant and represent to the Website Owner that you are legally entitled to do so and to make use of information made available via the website.

The information presented in this Website is intended to be for your educational and entertainment purposes only. It is not, and cannot take the place of, professional advice. You should not begin planning any course of action without first consulting a qualified professional.

You expressly agree that use of this site is at your sole risk. You understand and agree that this site and the information, services, products and materials available through it are provided on an <93>as-is<94> basis.

Where any testimonials are mentioned, those consist of anecdotal information passed on to us concerning the opinion of the individual sharing the information. We have performed no independent verification of the statements made by those individuals.

Please perform your own research before embarking on any course of action. Follow the advice of your personal qualified advisors.

You agree that we will not share in your success, nor will we be responsible for your failure, or for your actions in any endeavor you may undertake.

Materials in our product and our website may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as <93>anticipate<94>, <93>estimate<94>, <93>expect<94>, <93>project<94>, <93>intend<94>, <93>plan<94>, <93>believe<94>, and other words and terms of similar meaning in connection with a description of potential future events, or of existing beliefs. Any and all forward looking statements in our materials are intended to express our opinion of potential future events. They are opinions only and should not be relied upon as fact.