See also: Terms of Use for Loan Servicing Portals Please read these terms and conditions carefully. By accessing this site and any of its pages, you agree to be bound by these terms and conditions. If you do not agree to the Terms and Conditions below, do not access this site or any pages thereof. These Terms and Conditions are subject to change without notice. Limitations on use of Information and Services and Products The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Northmarq’s web sites and systems including but not limited to unauthorized entry into Northmarq’s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Links This site may contain links to web sites controlled or offered by third parties. The content, accuracy, opinions expressed and other links provided by these other web sites are not investigated, verified, monitored or endorsed by Northmarq. Northmarq hereby disclaims any liability for any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, Northmarq does not endorse or recommend or approve any products or services offered or information contained at that web site, nor is Northmarq liable for any failure of products or services offered or advertised at those sites. Such third party web sites may have a privacy policy different from that of Northmarq and the third party web site may provide less security than the Northmarq site. No Warranty The information and materials in this site, including text, graphics, links or other items are provided “as is” and “as available.” The information and materials may contain errors, omissions, problems or other limitations and Northmarq expressly disclaims any liability for such errors, omissions, problems or other limitations. Northmarq does not make any representations, warranties or guarantees whatsoever as to the accuracy, adequacy, reliability, timeliness, completeness or suitability of such information and materials or their applicability to a particular situation. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials. All responsibility and liability for any damages caused by viruses contained within the electronic files of this site are disclaimed. Limitation of Liability In no event will Northmarq be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this site or its use or inability to be used by any party, in connection with any linked site or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, whether based on breach of contract, breach of warranty, tort (including negligence), product liability or other legal or equitable theory even if Northmarq or its representatives are advised of the possibility of such damages, losses or expenses. Copyright All the text, graphics, audio, design, code, software, and other works in the pages and the screens displaying the pages, and in the information and material and their arrangement included in this site, are owned by Northmarq unless otherwise indicated. Any redistribution or reproduction of any content of this site is strictly prohibited. Submission of Information All information submitted to Northmarq via this site shall be deemed and remain the property of Northmarq, and Northmarq shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Northmarq through this site. Northmarq shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Northmarq as part of an established direct relationship with a customer or as otherwise specifically agreed or required by law. Additional Terms Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. Governing Law This agreement will be governed by and construed in accordance with the laws of the state of Minnesota.