Terms & Conditions
The Site may provide general information about our products and services. Your eligibility for particular products and services is subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on the Site at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. Although we try to provide accurate and timely information on the Site, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on the Site.
Accessing the Site
The Site is not intended for use by persons under the age of 18 years. The Site is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the Site during the times you are in a country for which use of the Site would be prohibited. You are responsible for compliance with all local laws. By offering information, products, or services via the Site, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.
To use the Site, you will need a working connection to the Internet via a web browser on your computing device for which you are responsible for all costs, expenses, and fees. From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, the Site may not be available for your use. We minimize the periods of time during which the Site is unavailable.
Your use of the Site is limited to the intended functions of the Site. Unauthorized use of the Site and/or our systems, including but not limited to misuse of any information posted on the Site or unauthorized entry into any of our systems is strictly prohibited. You are prohibited from using the Site in any manner that:
- Constitutes a commercial use other than for your own use;
- Accesses data that is not intended for you;
- Attempts to harvest, collect, gather, or assemble information or data;
- Invades the privacy of, obtain the identity of, or obtain any personal information about any other user of the Site;
- Probes, scans, or tests the vulnerability of the Site, our network, our security, or authentication measures without proper authorization;
- Attempts to interfere with service to any user, host, or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”;
- Copies, modifies, redistributes, reverse engineers, decompiles, disassembles any aspect of the Site or any content delivered to you via the Site, including, without limitation, any audio or video content delivered via the Site;
- Sends unsolicited mail, including promotions and/or advertising of products and services;
- Is unlawful, fraudulent, or deceptive;
- Communicates any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material;
- Encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
- Violates these Terms or any other policies or agreements that you enter into with us;
- Fails to comply with applicable third-party terms; or
- Constitutes any other inappropriate conduct, as determined by us in our sole discretion.
In addition, you may not either directly or through the use of any device, software, Internet site, web-based service, or other means:
- Remove, alter, bypass, avoid, interfere with, or circumvent any copyright, trademark, or other proprietary notices marked on the content of the Site or any digital rights management mechanism, device, or other content protection or access control measure associated with the content on the Site including geo-filtering mechanisms;
- Copy, download, stream, capture, reproduce, duplicate, archive, distribute, upload, publish, modify, translate, broadcast, perform, display, sell, transmit, or retransmit the content on the Site (except as expressly permitted by these Terms);
- Incorporate the content on the Site into, or stream or retransmit the content via any hardware or software application or make it available via frames or in-line links; or
- Create, recreate, distribute, or advertise an index or any significant portion of the content on the Site.
You agree to use the Site for lawful purposes only and are prohibited from violating or attempting to violate the Site’s security. All content you see on the Site is intended only for personal, non-exclusive and non-commercial use. Waterstone Mortgage owns all of the right, title and interest to copyright in the pages, screens, text and images appearing on the Site. The information and materials contained on the Site cannot be downloaded, reproduced, published, modified, distributed, posted, or otherwise used except as provided herein without Waterstone Mortgage’s express written permission.
You may not build a business utilizing the content on the Site, whether or not for profit. In addition, you are strictly prohibited from creating derivative works or materials that otherwise are derived from or based on any of the content on the Site, including without limitation, montages, mash-ups and similar videos, and merchandise, unless it is expressly permitted by us in writing. This prohibition applies even if you intend to give away the derivative materials free of charge.
If you violate any provision of these Terms, we reserve the right to terminate your access to the Site. Additionally, we, in our sole discretion, may suspend or terminate any user account that you have established with us at any time, with or without notice. We may at any time, with or without cause, and without prior notice to you deny you access to the Site. We may terminate these Terms or the Site, in whole or in part, at any time without prior notice to you or with notice as required by applicable law. In the event we terminate these Terms, any existing transactions you have entered into with us shall remain in effect.
Please retain copies of all content you submit, as we are under no obligation to store or return any such content to you. Your submission of content will not be subject to any obligation of confidentiality, attribution, or otherwise. We are under no obligation to monitor any user-submitted content or use of the Site, but we reserve the right to monitor or moderate user content, in our sole discretion, and to enforce our or a third party’s intellectual property rights in any user-submitted content. We reserve the right to discard or remove any user-submitted content from the Site in our sole discretion and without any liability. You acknowledge that you are responsible for any content you may submit through the Site, including the legality, reliability, appropriateness, originality, and copyright of any such content.
Third Party Web Linking Disclaimer
Waterstone Mortgage is not responsible for third parties’ (companies we link to from our Site) online security practices. In most cases, we provide links to non-Waterstone Mortgage websites solely to help you find more information about topics that interest you. Third party websites may have different privacy policies and/or security standards that govern their websites.
Although Waterstone Mortgage makes a concerted effort to ensure that the information provided by third party websites is reliable and accurate, Waterstone Mortgage cannot, under any circumstances, endorse, represent, or warrant any information, product, service, etc. from third party websites. Waterstone Mortgage disclaims any warranties, endorsement or representation, express or implied, related to any product, service, advertisement or other information contained within a third-party website. We reserve the right to terminate a link to a third-party website at any time.
No Endorsements Disclaimer
From time to time, individual Waterstone Mortgage employees may share opinions or content regarding third parties. Any opinions or content relating to third parties or links to third party sites shared or posted on Waterstone Mortgage websites or social media sites do not constitute an endorsement of any individual or organization by Waterstone Mortgage, nor does such activity indicate an affiliation with or sponsorship of the third party by Waterstone Mortgage. Any third-party views or opinions contained in the content or on the third-party websites are those of the respective authors and do not reflect the policies or position of Waterstone Mortgage, its employees, directors, officers, parents, or affiliates.
Consent to be Contacted
By liking any Waterstone Mortgage Facebook business pages or any posts on Waterstone Mortgage Facebook business pages, you consent to being contacted by Waterstone Mortgage via Facebook, or by e-mail and telephone as well.
If you submit an e-mail address to us through the Site, we may use your e-mail address to communicate with you electronically. E-mail is not secure and you understand that there are risks associated with communicating via e-mail, including the possibility of unauthorized access, failure to receive e-mails because they have been misdirected or sent to a spam folder, and your inability to access e-mail due to power outages, hardware, or software malfunctions or failures of your computing device, or matters affecting the Internet or your access to the Internet. Do not rely on e-mail if you need to contact us immediately. For security reasons, we may not be able to respond to certain e-mail requests.
We have taken steps to protect the privacy and security of your personal information as well as your financial transactions with us. Although we use administrative, technical, and physical security measures to protect your account and other personal information, the Internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the Internet are absolutely secure or that a third party will not be able to access or intercept such payment information. We are not responsible for any electronic virus or viruses that you may encounter as you use the Internet. We suggest that you routinely scan your devices using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.
We are committed to stopping fraud and reserve the right to take all reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on the Site without notice or permission from you. Any information obtained by monitoring, viewing, or recording may be subject to review by law-enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. We will also comply with all court orders involving requests for such information. Actual or attempted fraud or other unauthorized use of the Site may result in criminal and/or civil prosecution and immediate termination of your right to use the Site.
To protect the security of your information, we may require you to authenticate your identity (i.e., prove that you are who you say you are) to conduct certain transactions on the Site. Use of unique login information may be required to access certain portions of the Site. You acknowledge that your login information is unique and must be kept private and confidential to protect the security of your account. You agree not to give or make available your login information to any unauthorized individual. If you believe your login information has been compromised, lost or stolen, someone without authorization has attempted to use your account, or your account has been accessed by someone without authorization, you must notify us immediately (using the contact information below). If you lose or forget your login information, contact us immediately. If you fail to notify us, you may be liable for all unauthorized activity on your account.
For additional information, please see our statement regarding Cyber Threats & Information Security.
Warranties / Limitation of Liability / Indemnification
THE SITE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Waterstone Mortgage makes best efforts to update the Site regularly but makes no representations or warranties as to the accuracy of the information. If you do not agree with any of the Terms, as may be updated from time to time, your sole and exclusive remedy is to discontinue using the Site. You understand and agree that your use of the Site is at your sole risk and in no event will Waterstone Mortgage or any of its employees, directors, officers, or agents be liable to any party for general, direct, indirect, incidental, special, consequential, exemplary or punitive damages, including, without limitation, damages, losses, lost profits, costs of replacement, business interruptions, loss of data or damage resulting from or arising out of the use of the Site. You shall defend, indemnify, and hold harmless Waterstone Mortgage against any such loss or damages. Depending on your jurisdiction, the foregoing limitations on liability may not apply to you.
WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE SITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THE SITE OR THE WEB. WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THE SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY OR AFFILIATED WITH US.
Other Terms and Conditions
You acknowledge and understand that your use of the Site shall be governed by the laws of the State of Wisconsin and all applicable Federal laws, without giving effect to any conflict of laws to the contrary. You agree that venue shall be located in Waukesha, Wisconsin.
If any terms in these Terms change due to applicable law or is declared invalid by order of a court, the remaining terms of these Terms will not be affected, and these Terms will be interpreted as if the invalid terms had not been placed in these Terms. The headings in these Terms are intended only to help organize these Terms.
If you have any questions about these Terms and Conditions, please contact us.