End User License Agreement

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	End User License Agreement

FleXApp 1003
TERMS OF SERVICE AGREEMENT

IMPORTANT NOTICE TO USER - PLEASE READ CAREFULLY

THE FOLLOWING TERMS OF SERVICE AGREEMENT (THE "AGREEMENT") DETAILS THE TERMS AND CONDITIONS FOR THE ONLINE 1003 SERVICES (THE "SERVICES") PROVIDED AND ADMINISTERED BY A LA MODE, INC. (REFERRED TO HEREIN AS "ALM" OR "WE"). THIS AGREEMENT CONSTITUTES A BINDING AGREEMENT BETWEEN ALM AND THE FLEXAPP 1003 USER ("USER" OR "YOU"). YOU MAY NOT USE THE FLEXAPP 1003 APPLICATION UNLESS YOU FIRST REVIEW AND ACCEPT THE TERMS AND CONDITIONS OF THIS AGREEMENT BY CLICKING ON THE "AGREE" BUTTON AT THE BOTTOM ON THIS PAGE. AFTER YOU REVIEW THE TERMS AND CONDITIONS BELOW, PLEASE ACKNOWLEDGE YOUR AGREEMENT BY CLICKING ON THE "AGREE" BUTTON OR THAT YOU DECLINE THIS AGREEMENT BY CLICKING ON THE "DISAGREE" BUTTON AT THE BOTTOM OF THIS PAGE.

TERMS AND CONDITIONS

1. Fees and Payment. You shall pay the fees and other charges for the Services as stated on FleXApp 1003 home page (http://www.flexapp1003.com) or in this Agreement. All fees are due immediately and, except as expressly provided herein, are non-refundable. ALM reserves the right to change its fees at any time. You shall make all payments in U.S. currency. Your credit card will be billed in advance for any and all fees. ALM reserves the right to suspend or terminate your account if credit card charges are denied. Such suspension or termination shall not relieve you of the obligation to pay the fees due. You agree to pay ALM its reasonable expenses, including attorneys' and collection agency fees, incurred in enforcing its rights under this Agreement.

2. Term and Termination.

2.1 This Agreement shall become effective upon your acceptance of the terms and conditions contained herein and shall continue for a period of one (1) year unless sooner terminated as provided below.

2.2 ALM reserves the right to terminate this Agreement for any breach of the provisions hereof or the provisions of the FleXApp 1003 Acceptable Use Policy, as determined by ALM in its sole discretion. ALM shall have no obligation to refund any of User's fees due to ALM's early termination of this Agreement.

2.3 If, in the first one hundred (100) days after your purchase of this FleXApp 1003, you are not satisfied for any reason with the Services, you may cancel this Agreement and receive a full refund of all fees paid. Notice of such cancellation shall be made by contacting ALM at 1-800-252-6633 (1-800-alamode) and notifying the representative that you wish to receive a refund. The notice must be made prior to 5:00 p.m. Oklahoma time on the one hundredth (100th) day after your purchase of this FleXApp 1003.

2.4 Upon the termination of this Agreement for any reason, ALM shall replace the URL used to access the FleXApp 1003 with a standard error message at no charge to User.

3. User will be solely responsible for the setup, operation and handling of all mortgage applications received through the FleXApp 1003.

4. User Communication. ALM reserves the right to send User service e-mails notifying User of operational or other changes that may affect or change the Services offered by ALM. Please note that you cannot opt out of such service e-mails because these service e-mails provide information critical for the operation of the FleXApp 1003 Service.

USER HEREBY GRANTS ALM EXPRESS WRITTEN PERMISSION TO SEND FAX AND OR EMAIL SOLICITATIONS OR ADVERTISEMENTS, THUS SATISFYING ANY EXPRESS WRITTEN PERMISSION REQUIREMENT.

5. Amendments/Modifications. ALM reserves the right to amend the Service offerings and add, delete, suspend or modify the terms and conditions of the Services at any time, and to determine whether and when, at its sole discretion, any such changes apply to existing or future Users.

6. Content.

6.1 ALM is not responsible for the customizable text on the FleXApp 1003 or any of its e-mail templates used for communicating with applicants and borrowers (the “Custom Text”). The opinions and views expressed in such Custom Text do not necessarily reflect those of ALM. The Custom Text shall not be reviewed in any way before it appears on the FleXApp 1003. As the author of the Custom Text, you take full responsibility for the content. Do not use the Custom Text to provide material that is offensive to the web community including, but not limited, expressions of bigotry, racism, hatred or profanity or for promoting or providing instructional information about illegal activities or promoting physical harm or injury against any group or individual.

6.2 FleXApp 1003 shall only be used for lawful purposes. Transmission or solicitation of any material that violates any local, state, federal or international law, order or regulation is prohibited.

6.3 Your FleXApp 1003 cannot contain, or provide links to, materials that ALM, in its sole discretion, may consider illegal or offensive including, but not limited to:
(a) copyrighted material not belonging to you -- for example, music, images, software or video -- unless you have the prior consent of the copyright owner;
(b) trademarked materials not belonging to you without the prior consent of the trademark owner;
(c) pornography, nudity, sex or any other material that would commonly be considered "indecent" or "appealing to the prurient interest";
(d) gambling;
(e) foul language;
(f) pyramid or other illegal solicitation schemes; or
(g) insults to other persons or businesses including, but not limited to, material that is obscene, threatening, harassing, defamatory or libelous.

6.4 You shall not use your FleXApp 1003 to conduct any of the following activities:
(a) disclose the trade secrets of any other person or entity;
(b) use copyrighted, patented or trademarked materials without the prior consent of the copyright, patent or trademark owner;
(c) rent, sell or otherwise distribute the FleXApp 1003 to third parties; or
(d) conduct any other activity that ALM determines, in its sole discretion, to be fraudulent, illegal or an unreasonable drain on system resources.

7. Security. You agree that you will not attempt to compromise the security on the ALM servers by any means including, but not limited to:
(a) attempting to gain access to restricted information on the ALM servers;
(b) attempting to disable, cripple or modify ALM servers or any service running on an ALM server; or
(c) attempting to access information in other FleXApp 1003 accounts.
ALM reserves the right to prosecute any person or entity attempting to compromise the security of the ALM servers to the fullest extent allowed by applicable law.

8. Disclaimer of Warranties. User understands that the Internet and other various networking communication mediums are not secure, unless explicitly specified as such, and may be subject to interception or loss. ALM makes no representations or warranties of any kind, either express, implied or statutory, concerning the data or information available through FleXApp 1003 or the Internet. ALM'S SERVICES ARE PROVIDED ON AN "AS IS" BASIS. ALM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT; THAT THE SERVICES WILL MEET USER'S REQUIREMENTS OR WILL ALWAYS BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE OR OPERATE WITHOUT ERROR; ANY IMPLIED WARRANTY ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE; REGARDING ANY THIRD PARTY SOFTWARE OR SERVICES; AND/OR ANY OBLIGATION, LIABILITY, RIGHT, CLAIM OR REMEDY IN TORT WHETHER OR NOT ARISING FROM THE NEGLIGENCE OF ALM. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ALM DISCLAIMS ANY AND ALL SUCH REPRESENTATIONS AND WARRANTIES.

9. Limitation of Liabilities.

9.1 General. IN NO EVENT WILL ALM BE LIABLE TO USER FOR ANY CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, INDIRECT, SPECIAL OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOST PROFITS OR LOSS OF BUSINESS) ARISING OUT OF OR RELATED TO (I) THE SERVICES, (II) YOUR USE OF ANY DATA, INFORMATION OR THIRD PARTY SOFTWARE AVAILABLE THROUGH AGENT XSITES, (III) THIS AGREEMENT OR (IV)USER'S WEBSITE REGARDLESS OF THE NATURE OR BASIS OF THE CLAIM INCLUDING, BUT NOT LIMITED TO, TORT, CONTRACT OR STRICT LIABILITY CLAIMS. IN ADDITION, EXCEPT FOR THE SERVICE LEVEL WARRANTY SPECIFIED IN SECTION 13 HEREOF, ALM SHALL HAVE NO LIABILITY OF ANY KIND OR NATURE TO USER ARISING OUT OF OR RELATED TO USER'S USE OF OR INABILITY TO USE FLEXAPP 1003. IN THE EVENT THAT ALM IS LIABLE TO USER FOR ANY LOSS ARISING OUT OF OR RELATED TO THE SERVICES, THIS AGREEMENT OR USER'S WEBSITE, ALM'S AGGREGATE LIABILITY TO USER WILL IN NO EVENT EXCEED THE AMOUNT OF ANY ACTUAL MONETARY LOSS OR DAMAGES SUFFERED UP TO, AND NOT IN EXCESS OF, THE AGGREGATE FEES PAID, IF ANY, FOR THE SERVICES WHICH GAVE RISE TO THE CLAIM DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRIOR TO THE DATE THE CLAIM AROSE.

9.2 No Liability for Unauthorized Use or Access. User is solely responsible for ensuring that each password for FleXApp 1003 administrative access is utilized only by User or, if applicable, by User's authorized employees and agents. ALM shall have no liability for any loss, claim, damage or other liability that may arise from the unauthorized use of a password. If a password is lost or stolen or if you have reason to believe that your website is no longer secure for any reason, it is your responsibility to notify ALM of such loss or theft so that the password can be deactivated and a new password assigned. ALM will use commercially reasonable efforts to effect password deactivation requests promptly.

10. User Acknowledgement. User acknowledges and agrees that the disclaimers of warranties, limitations of liability and indemnification provisions set forth in this Agreement reflect a mutually agreed upon allocation of risk and form a fundamental part of the basis of the bargain hereunder, without which ALM would not have entered into this Agreement.

12. Acceptable Use Policy. You shall comply at all times with the terms of the FleXApp 1003 Acceptable Use Policy, a copy of which may be found at http://www.alamode.com/xsites/aup. ALM may change the Acceptable Use Policy at any time without notice, at ALM's sole discretion. ALM may terminate this Agreement if you violate the terms of the Acceptable Use Policy. The determination of whether the terms of the Acceptable Use Policy have been violated will be made solely by ALM.

13. Service Level. If, due to the fault of ALM, User's FleXApp 1003 is not accessible to users for eighty-five percent (85%) or more of the hours in any particular month following the month in which this Agreement becomes effective, then User shall be entitled to a pro rata refund of the fees paid for such hosting in such month (in proportion to the percentage of the total hours of the month in which the FleXApp 1003 is not accessible). ALM will not be responsible for refunding any other fees paid by User.

14. Intellectual Property. User acknowledges and agrees that FleXApp 1003 is a valuable commercial product of ALM, the development of which has involved expenditure by ALM of substantial time and money. User acknowledges and agrees that User has no ownership rights in FleXApp 1003. User further acknowledges and agrees that the name and mark ”FleXApp 1003" and all associated names, marks and logos (collectively, the "Marks") are the trademarks and/or service marks of ALM or its affiliates, and that any trade dress, trademark, service mark or designs related to FleXApp 1003 and/or the Marks are the intellectual property of ALM and are protected by United States copyright laws, trademark laws, trade secret laws, international treaties and applicable laws of the states and jurisdictions where they are used. This Agreement does not grant to User any ownership right in the Marks or in any other intellectual property of ALM. All material on FleXApp 1003 including, but not limited to, images, illustrations and musical compositions is protected by copyrights that are owned or controlled by ALM or by other parties that have licensed their material to ALM. Except as otherwise provided in the following sentence, all right, title and interest in and to the Marks and any other intellectual property of ALM shall remain with ALM. ALM grants a non-exclusive, revocable, non-transferable license to User to use solely during the term of this Agreement the graphics, text, musical compositions, tools and modules provided by ALM through FleXApp 1003; provided, however, that such graphics, text, musical compositions, tools, and modules may be used by User only on ALM's server. Such license shall terminate upon the termination of this Agreement. User shall not, under any circumstances, resell, distribute or allow any other entity or person to use any of ALM's products, modules, tools, scripts, graphics, text, database/programming code or object or source codes without ALM's prior written consent. As between User and ALM, the parties agree that ALM shall own and retain all intellectual property rights, copyrights, patents and all rights, title and interest in and to all of the products, modules, tools, scripts, graphics, text, database/programming code and object or source codes provided or supplied by ALM that are displayed on User's FleXApp 1003 or used in the development or the maintenance of User's FleXApp 1003.
Access to FleXApp 1003 does not grant to User the right to reproduce, copy or distribute (except as permitted by ALM on web pages hosted by ALM) by any means, method or process whatsoever, now known or hereafter developed, any of the musical compositions made available by including, without limitation, transferring or downloading them to a computer hard drive, or otherwise copying them onto any other storage medium. In addition, access to FleXApp 1003 does not grant to User the right to perform publicly, by any means, method or process whatsoever, now known or hereafter developed, any of the musical compositions made available by ALM including, without limitation, any transmission, retransmission, or further transmission of them. All musical compositions made available by ALM are protected by copyrights that are owned by the individual composers thereof or other parties and all such musical compositions have been licensed by Shockwave-Sound.com for use only on web pages hosted by ALM.

15. Links to Other Websites. As a convenience to User, ALM provides links to websites owned and operated by third parties not affiliated with ALM. User's use of the services and products offered via any such linked website shall be at User's own risk and ALM assumes no responsibility for the products and services offered via any such linked website, regardless of whether ALM receives a referral fee for User's use of the linked website. User acknowledges and agrees that ALM shall not be held responsible for the legality, accuracy or inappropriate nature of any content, advertising, products, services or information located on or through any of the linked websites, nor for any losses or damages caused or alleged to have been caused by the use of or reliance on any content from any such linked website.

16. General Provisions.

16.1 Governing Law. This Agreement shall be governed, construed and enforced in accordance with the laws of the State of Oklahoma, without giving effect to its conflict of laws principles.

16.2 Arbitration. Any controversy or claim arising out of or relating to this Agreement shall be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Oklahoma City, Oklahoma, and the decision of the arbitrator shall be final, binding and enforceable in any court of competent jurisdiction. The arbitrator shall not have the authority to award punitive, consequential or indirect damages against either party, and each of the parties hereby waives the right to such damages. Notwithstanding anything to the contrary herein, either party may seek any interim or preliminary relief from a court of competent jurisdiction in Oklahoma City, Oklahoma necessary to protect the rights or property of such party pending the completion of arbitration.

16.3 Force Majeure. ALM shall not be liable for nonperformance, delay, errors, data loss or other loss caused by any event reasonably beyond ALM's control including, but not limited to, acts of God, war, terrorism, hostilities, revolution, civil disorder, national emergency, strikes, lockouts, unavailability of supplies, epidemics, fire, flood, earthquake, force of nature, explosion, embargo or any law, proclamation, regulation, ordinance or other act or order of any court, government or governmental agency.

16.4 Legal Expenses. The prevailing party in any arbitration proceeding or other legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys' fees.

16.5 Severability; Waiver. If any provision of this Agreement is held to be invalid or unenforceable for any reason, the remaining provisions will continue in full force without being impaired or invalidated in any way. The parties agree to replace any invalid provision with a valid provision that most closely approximates the intent and economic effect of the invalid provision. The waiver by either party of a breach of any provision of this Agreement will not operate or be interpreted as a waiver of any other or subsequent breach.

16.6 Assignment. User may not assign this Agreement or any of its rights or obligations hereunder without the prior written consent of ALM. ALM's rights and obligations hereunder will bind and inure to the benefit of its successors and assigns.

16.7 Independent Contractors. The parties to this Agreement are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Neither party shall have the power to obligate or bind the other party.

16.8 Indemnification; you agree to indemnify and hold ALM harmless from any and all claims and demands, including, but not limited to reasonable attorneys' fees, made by any third party due to or arising out of any information, including, but not limited to, information provided by ALM. The information, software, products, and services may include inaccuracies or typographical errors. Changes are periodically added to the information herein. ALM, its affiliates and/or its respective suppliers may make improvements and/or changes in this site at any time. In no event shall ALM be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of ALM services and software.

16.9 Entire Agreement. This Agreement sets forth the entire understanding and agreement of the parties and supersedes any and all oral or written agreements or understandings between the parties as to the subject matter of this Agreement. ALM reserves the right in its sole discretion to change or modify this Agreement in whole or in part at any time or from time to time.

Microsoft Notice to USER

Microsoft disclaims to the extent permitted by applicable law, all warranties by Microsoft and any liability by Microsoft, its affiliates or suppliers for any damages, whether direct, indirect, or consequential, arising from the use of the Microsoft software services.

ALM will provide product support for the software services covered under this Agreement, unless otherwise indicated.

In an effort to improve the flow of email from you to your intended recipients, ALM may, from time to time, provide you with feedback from third parties. In the event that your email is deemed SPAM, and you fail to remove the recipient from your lists, ALM may, in its sole discretion, suspend or disconnect your service. In cases where feedback is provided by Microsoft, you shall treat the feedback and all information contained in such feedback as confidential information that is owned by Microsoft, and shall not share such feedback with any third parties.

BY CLICKING ON THE "AGREE" BUTTON BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT, THAT YOU UNDERSTAND IT AND THAT YOU AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THIS AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN YOU AND ALM AND SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT, ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT. YOU ALSO AGREE THAT ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT APPLY TO YOUR USE OF FLEXAPP 1003 SHOULD YOU CHOOSE TO PROCEED WITH THE USE OF FLEXAPP1003. FINALLY, IF USER IS AN ENTITY OF ANY KIND, YOU ACKNOWLEDGE THAT YOU ARE AN OFFICER OR OTHER AUTHORIZED PERSONNEL FOR MEMBER WHO HAS THE AUTHORITY TO AUTHORIZE THE PAYMENT FOR THE SERVICES CONTEMPLATED UNDER THIS AGREEMENT.