TERMS OF USE

These "Terms of Use" set forth the terms and conditions that apply to your use of www.ReverseMortgageLoansNewJersey.net (the "Web Site"). By using the Web Site (other than to read this page for the first time), you agree to comply with all of the Terms of Use set forth herein. The right to use the Web Site is personal to you and is not transferable to any other person or entity.

Copyrights and Trademarks

A. Unless otherwise noted, all materials contained on the Web Site are Copyright 2007, HomeXperts, Inc. All rights reserved.

B. No person is authorized to use, copy or distribute any portion of the Web Site including related graphics.

C. HomeXperts, Inc. and other trademarks and/or service marks (including logos and designs) found on the Web Site are trademarks/service marks that identify HomeXperts and the goods and/or services provided by HomeXperts. Such marks may not be used under any circumstances without the prior written authorization of HomeXperts.

Links to Third-Party Web Site

HomeXperts may provide hyperlinks to third-party web sites as a convenience to users of the Web Site. HomeXperts does not control third-party web sites and is not responsible for the contents of any linked-to, third-party web sites or any hyperlink in a linked-to web site. HomeXperts does not endorse, recommend or approve any third-party web site hyperlinked from the Web Site. HomeXperts will have no liability to any entity for the content or use of the content available through such hyperlink.

No Representations or Warranties; Limitations on Liability

The information and materials on the Web Site could include technical inaccuracies or typographical errors. Changes are periodically made to the information contained herein. HOMEXPERTS MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, ALL OF WHICH IS PROVIDED ON A STRICTLY "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES WITH REGARD TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES SHALL THE SITE OWNER OR PUBLISHER BE LIABLE UNDER ANY THEORY OF RECOVERY, AT LAW OR IN EQUITY, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO LOSS OF USE OR LOST PROFITS), ARISING OUT OF OR IN ANY MANNER CONNECTED WITH THE USE OF INFORMATION OR SERVICES, OR THE FAILURE TO PROVIDE INFORMATION OR SERVICES, FROM THE WEB SITE.

Indemnification

You agree to indemnify, defend and hold harmless HomeXperts, the Web Site and its members, managers, officers, employees, agents and the assigns of same, from and against any and all loss, costs, expenses (including reasonable attorneys' fees and expenses), claims, damages and liabilities related to or associated with your use of the Web Site and any violation of this Terms of Use agreement by you.

Changes to These Terms of Use

HomeXperts reserves the right to change these Terms of Use at any time by posting new Terms of Use at this location. You can send e-mail to HomeXperts with any questions relating to these Terms of Use at loans@ReverseMortgageLoansUSA.net.