This Web site is provided by MicottMortgage.com as a format for consumers to locate mortgage products, programs, and rates, and lenders, and may be used for informational purposes only.

By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use or download materials from the site.

MicottMortgage.com does not guarantee any rate posted on this web site. All rates, fees, APR, and other costs are subject to individual borrowers credit rating, market conditions, and loan processing costs. All rates, fees, APR's, and any or all other loan costs should be confirmed up front in writing by lender's good faith estimate, and closing statement before acceptance of any loan.

We encourage the lenders, lender members, and lenders advertising on this site to comply with these policies, but make no warranty or guarantee whether expressed or implied as to their compliance with these practices in any form or fashion or the validity of any program, product, or rate posted on this site by lenders. MicottMortgage.com is not responsible or liable for any acts or practices by it's member lenders regarding the Federal Fair Housing Law and the Equal Credit Opportunity Act, or any other Federal or State Consumer Lender authority, or Federal or State government legal branch or authority. We strongly encourage consumers to verify that any lender subscribes to these practices prior to consummation of any and all loans obtained through them. For more information please read our Equal Opportunity in Housing policy.

Limited License
Subject to the terms and conditions set forth in this Agreement, MicottMortgage.com grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.  MicottMortgage.com authorizes you to view and download the information ("Materials") at this Web site ("Site") only for your personal, non-commercial use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, MicottMortgage.com does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

Disclaimer
THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. MicottMortgage.com DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK.  MicottMortgage.com RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE.  MicottMortgage.com MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE. THIS SITE, THE INFORMATION, SERVICES, AND MATERIALS ON THE SITE, AND ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, ACCURACY, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Third Party Sites
As a convenience to you, MicottMortgage.com may provide, on this Site, information about, or links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements MicottMortgage.com makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that MicottMortgage.com or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of MicottMortgage.com or any of its affiliates or subsidiaries.

Information Provided By You
MicottMortgage.com does not want you to, and you should not, send any confidential or proprietary information to MicottMortgage.com via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to MicottMortgage.com will not be considered confidential or proprietary. By providing any such information or materials to MicottMortgage.com, you grant to MicottMortgage.com only the right to analyze, process, and transmit to investors the information in order to obtain a loan or loan commitment with one of its investors. You further agree that MicottMortgage.com is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide. You further recognize that MicottMortgage.com does not want you to, and you warrant that you shall not, provide any information or materials to MicottMortgage.com that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Limitations of Damages
IN NO EVENT SHALL  MicottMortgage.com OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF MicottMortgage.com IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Changes
MicottMortgage.com reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes. rockymountainmortgagerates .com may terminate, change, suspend or discontinue any aspect of the MicottMortgage.com Site, including the availability of any features of the Site, at any time. MicottMortgage.com may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. MicottMortgage.com may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.

International Users and Choice of Law
This Site is controlled, operated and administered by MicottMortgage.com from its offices within the United States of America.  MicottMortgage.com makes no representation that materials at this site are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U. S. export laws and regulations. If you access this Site from a locations outside of the United States, you are responsible for compliance with all local laws. These Terms and Conditions of use shall be governed by the laws of the State of Colorado, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between MicottMortgage.com and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (30) days after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.