Terms of Service

Thank you for visiting The New Jersey Mortgage Blog, a premier business portal designed with New Jersey borrowers and consumers in mind.

This blog is managed and updated by Carol Lloyd (“I”  “we” ”our” or “us”).

It is of vital importance to us that our membership is protected. In order to accomplish this, we have created this Terms of Service (TOS) document as well as our Privacy Policy.

  1. Acceptance of Terms of Service:  By visiting and accessing www.NewJerseyMortgageBlog.com  or any other subdomain of the site, you signify that you have read and agree to be bound by these Terms of Use, regardless of whether or not you are a member of the site. NewJerseyMortgageBlog is only available to users of the age of 13 or older. All registrants between 13 and 18 years old must have parental assistance in the registration of an account on our site.These Terms of Service (TOS) may at any time, and at our discretion, be modified. You can review the most current version of the TOS at any time at: http://www.newjerseymortgageblog.com/terms. It is your responsibility to read these Terms and comply with them. If this page is altered and you continue using the site (whether or not you are aware of the changes), this means that you are continuing to accept these new Terms of Use. Whether you agree with the current TOS or any future revisions or not, your use of the site means you have accepted responsibility to complying with the TOS. If you do not agree with any provision of the TOS, then you should not use this site.
  2. Your obligations as a member of NewJerseyMortgageBlog:  In order to use the NewJerseyMortgageBlog  service you agree to provide true, accurate and complete information about yourself as required by the registration form.  
  3. Member Conduct:  When you use NewJerseyMortgageBlog and  any of its services that exist now or that shall exist in the future, you agree : a) that all information, data, text, software, music, sound, photographs, graphics, video, messages or other material (“Content”) are the sole responsibility of the person from which the Content originated – whether publicly posted or transmitted privately;  b)that you and not NewJerseyMortgageBlog are entirely responsible for all Content you upload, post, email, transmit or otherwise make available using the Service;  c) that NewJerseyMortgageBlog has limited control of the Content posted via the Service; and  d) that NewJerseyMortgageBlog does not guarantee the accuracy, integrity or quality of any such Content.  By using the Service, you understand:  a) that you may be exposed to Content that is offensive, indecent or objectionable b) that NewJerseyMortgageBlog will not be liable for any Content in any way, including, but not limited to, errors or omissions;  c) that NewJerseyMortgageBlog will not be liable for any loss or damage of any kind that might be incurred by your use of any Content posted, emailed, transmitted or otherwise made available by the Service.
  4. You agree to not use the Service to:
    1. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, pornographic, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
    2. harm members or non members in any way;
    3. attempt to interfere in the use of our site by others;
    4. mis-represent yourself or impersonate any person or entity, including, but not limited to, a NewJerseyMortgageBlog  staff member or forum moderator, or falsely state or otherwise misrepresent your affiliation with a person or entity;
    5. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
    6. upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    7. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;
    8. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
    9. upload, post, email, transmit or otherwise make available any material that contains 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;
    10. attempt to charge others to use the Services of NewJerseyMortgageBlog either directly or in an indirect manner;
    11. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
    12. attempt to translate, adapt, modify, edit, copy, disassemble, decompile, or reverse engineer any software, applications, or webpages provided by NewJerseyMortgageBlog.com;
    13. intentionally or unintentionally violate any applicable local, state, national or international law;
    14. “stalk” or otherwise harass another; or
    15. collect or store personal data about other users.

    Be advised that by using NewJerseyMortgageBlog and its services in any way or form, you are acknowledging that NewJerseyMortgageBlog may not pre-screen Content, but that, nevertheless, NewJerseyMortgageBlog and its designees shall have the right – but not the obligation- in their sole discretion to refuse or move any Content that is available via the Service.Without limiting the foregoing, NewJerseyMortgageBlog and its designees shall have the right to remove any Content that violates these Terms of Service or is otherwise objectionable in any way.

    You further agree that you must evaluate and bear all risks associated with the use of any Content, including any reliance on the accuracy,completeness, or usefulness of such Content. In this regards, you also acknowledge that you may not rely on any Content created by NewJerseyMortgageBlog or submitted to NewJerseyMortgageBlog.

    You acknowledge and agree that NewJerseyMortgageBlog may preserve Content and may also disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these terms of service; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of NewJerseyMortgageBlog, our members and the public. 

  5. International Use:  NewJerseyMortgageBlog recognizes that the Internet is global in nature and, as such, you acknowledge the same and agree to: a)comply with all local rules regarding online conduct and acceptable Content b)specifically comply with all applicable laws regarding the transmission of technical date exported from the United States or the country in which you reside. 
  6. Materials submitted or made available for inclusion on the service:  NewJerseyMortgageBlog does not and will not claim ownership of Content you submit or make available for inclusion on and use by the Service, except where it is otherwise noted (e.g. forums, NewJerseyMortgageBlog blog [not to be confused with member blogs]).  However, with respect to Content you submit or make available for inclusion on publicly accessible areas of the Service, you grant NewJerseyMortgageBlog the following world-wide, royalty free and non-exclusive license as applicable:With respect to Content (including text, photos, graphics, audio or video) you submit or make available for inclusion on publicly accessible areas of the Service, the perpetual, irrevocable and fully sub licensable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display such Content-in whole or in part–and to incorporate such Content into other works in any format or medium now known or later developed.By submitting Content (including text, photos, graphics, audio or video) to NewJerseyMortgageBlog, you understand that third-party Search Engines may index that content. Any Content you do submit is done at your own risk, with the understanding that it may be distributed throughout search engine results, and search engine caches. If you do not want your Content to be crawled by the Search Engines, do not submit it to NewJerseyMortgageBlog.
  7. Links:  NewJerseyMortgageBlog or third parties may provide links to other World Wide Web sites or resources.  Be advised that NewJerseyMortgageBlog has no control over such sites and resources and, as such, you acknowledge and agree that NewJerseyMortgageBlog is not responsible for the availability of such external sites or resources and does not endorse and it not responsible or liable for any Content, advertising, products, or other material on or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource. You further acknowledge and agree that NewJerseyMortgageBlog shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource. 
  8. Indemnity:  By using NewJerseyMortgageBlog or any of its services, you agree to indemnify and hold NewJerseyMortgageBlog and its affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneysÂ’ fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of these terms of service, or your violation of any rights of another.
  9. General Information:  These Terms of Service constitute the entire agreement between you and NewJerseyMortgageBlog, and govern your use of the Service, superceding any prior agreements between you and NewJerseyMortgageBlog. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software. The TOS and the relationship between you and NewJerseyMortgageBlog shall be governed by the laws of the United States and State of New Jersey.  The failure of NewJerseyMortgageBlog to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.The section titles in the TOS are for convenience only and have no legal or contractual effect.
  10. Modifications to Service:  NewJerseyMortgageBlog reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that NewJerseyMortgageBlog shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
  11. Termination:  You agree that NewJerseyMortgageBlog, in its sole discretion, may terminate your password, account (or any part thereof) or use of the Service, and remove and discard any Content within the Service, for any reason, including, without limitation, for lack of use or if NewJerseyMortgageBlog believes that you have violated or acted inconsistently with the letter or spirit of the TOS.  NewJerseyMortgageBlog may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this TOS may be effected without prior notice, and acknowledge and agree that NewJerseyMortgageBlog may immediately suspend, deactivate or delete your account and all related information in your account and/or bar any further access to the Service. Further, you agree that NewJerseyMortgageBlog shall not be liable to you or any third-party for any termination of your access to the Service.
  12. Violations of Terms:  Please report any violations of these Terms to us by email or telephone.

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