TERMS & CONDITIONS

Acceptance

This Terms of Use Agreement (“Agreement”) is a legal agreement between you and P.hughes Financial & management consultants incorporated, operating as Rose City Mortgage.(RCM)

This Agreement states the terms and conditions under which you may access and use this website and its content (the “Website”). By accessing and using this Website, you are indicating your acceptance of, and agreement to be legally bound by, this Agreement. If you do not accept this Agreement, you must not access or use the Website.

RCM may revise this Agreement at any time by updating this posting. Use of the Website after such changes are posted will signify your acceptance of these revised terms. You should visit this page periodically to review this Agreement. We will indicate at the bottom of this page the date this Agreement was last revised.

No Professional Advice

Information made available on the Website or other forms of web access sites in any form is for convenience and informational purposes only. It is not, and should not be taken as legal or any other kind of advice or an offer to sell or buy any product or service. You should not rely on, or take or fail to take any action, based upon this information. Never disregard professional advice or delay in seeking professional advice because of something you have read on the Website.

The Website may not be used to request advice or to transmit to RCM any confidential information. Information transmitted to RCM through the Website may not be secure, may not be treated as confidential, and does not create any relationship or duty of any kind. You should not send confidential or sensitive information by the Internet or e-mail unless you take appropriate precautions, such as the use of encryption.

Ownership of content

All materials displayed or otherwise accessible through the Website, including but not limited to text, graphics, videos, photos, trademarks, logos and other materials (collectively, “Content”) are protected by copyright and trade-mark laws, and are owned by RCM and/or its licensors, or the party accredited as the provider of the Content. 

Except as granted in the limited licence herein, any use of the Content, including modification, transmission, presentation, distribution, republication, or other exploitation of the Website or of any Content, whether in whole or in part, is prohibited without the express prior written consent of RCM. Your use of the Website and/or any Content does not grant or transfer to you any ownership or other rights in the Website and/or any Content, and except as expressly provided, nothing herein or within the Website and/or any Content shall be construed as conferring on you or any other person or entity any license under any RCM or any third party intellectual property or other rights. Any rights not expressly granted to you in this Agreement are expressly reserved.

Limited licence

Subject to the terms and conditions of this Agreement, you are hereby granted a limited, fully revocable, non-transferable and non-exclusive licence to access, view and use the Website for your personal, non-commercial use, and are granted the right to download, store and print single copies of items comprising the Content for your personal, non-commercial use, provided that you maintain all copyright, trade-mark and other notices contained in such Content. This limited license does not include any rights not specifically enumerated herein. Your limited license to use the Website and the Content is automatically revoked upon termination or expiration of this Agreement (whichever occurs first). You agree that you will not use the Website or any Content for any purpose that is unlawful.

Limitation of liability

Subject to applicable law, in no event shall RCM or any of its employees, consultants, representatives, officers, directors, agents, or licensors (“RCM Released Parties“) be liable for damages of any kind including, without limitation, any direct, special, indirect, punitive, incidental or consequential damages or any loss or damages in the nature of or relating to lost business, lost savings, lost data and/or lost profits, arising from your use of, reliance upon, or inability to use the Website and/or the Content, regardless of the cause and whether arising in contract (including fundamental breach), tort (including negligence), or otherwise. The foregoing limitation shall apply even if RCM knew of or ought to have known of the possibility of such damages.

Disclaimer of warranties

Subject to applicable law, the Website and the Content is provided “as is” and “as available”, without warranty or condition of any kind, either express or implied. RCM expressly disclaims all warranties and conditions, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, quiet enjoyment, accuracy, completeness, or non-infringement in respect to the Website and the Content, to the fullest extent permissible under applicable law. Without limiting the generality of the foregoing, while RCM endeavors to provide Content that is correct, accurate and timely, no representations or warranties are made regarding the Website and/or the Content including, without limitation, no representation or warranty that (i) the Website or the Content will be compatible with your computer, mobile or other device and/or software; (ii) the Website or the Content will be accurate, reliable, complete, current, timely or suitable for any particular purpose, (iii) that the operation of the Website will be uninterrupted or error-free, (iv) that defects or errors in the Website or the Content will be corrected, (v) that the Website or the Content will be free from viruses, Trojan horses, malware, worms or other harmful components, and (vi) that communications to or from the Website will be secure and/or not intercepted. You acknowledge and agree that you are using the Website and the Content, if applicable, at your own risk and liability.

Release and indemnity

To the fullest extent permissible under applicable law, you hereby agree to release each of the RCM Released Parties from, and in no event shall any or all of the RCM Released Parties be liable to you or any other person or entity, for any and all liabilities and damages (including any direct, indirect, special, exemplary or consequential damages, including lost profits) whatsoever or arising from your use of the Website (including any breach by you thereof), the Content or otherwise relating to this Agreement and you agree that your sole remedy for any claim, loss, damage, costs or expenses is to cease using the Website and the Content. You will indemnify and hold each of the RCM Released Parties harmless from and against any claims, losses, judgments, damages, costs and expenses (including without limitation, reasonable legal fees) incurred by any of them due to or resulting from your use of the Website, the Content or otherwise relating to this Agreement (including any breach by you thereof). You will also indemnify and hold the RCM Released Parties harmless from and against any claims brought by third parties arising out of your use of Content from this Website. You agree that the applicable RCM Released Party(ies) may assume the defense and control of any matter for which you are required to indemnify the RCM Released Parties and you agree to cooperate, at your cost, with our defense of these claims. You agree not to settle any matter without the prior written consent of the applicable RCM Released Party(ies).