In consideration of use of the Service, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Registration Form, and (b) to maintain and update this information to keep it true, accurate, current and complete. If any information provided by you is untrue, inaccurate, not current or incomplete, HAD Financial & Insurance Services, Inc. has the right to terminate your account and refuse any and all current or future use of the Service. You agree not to resell or transfer the Service or use of or access to the Service.

You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer and modem.

By using the HAD Financial & Insurance Services, Inc. web site, including HAD Financial & Insurance Services, Inc., any applets, software, and content contained therein, you agree that use of the Service is entirely at your own risk. THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, HAD Financial & Insurance Services, Inc. DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES AND (2) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.

NEITHER HAD Financial & Insurance Services, Inc. NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF HAD Financial & Insurance Services, Inc., ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

HAD Financial & Insurance Services, Inc. is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing at this Web Site, and is the copyright owner or licensee of the content and/or information on this Web Site including but not limited to any screens appearing at the Site. You may not download and/or save a copy of any of the screens except as otherwise provided in these Terms of Service, for any purpose. However, you may print a copy of the information on this Site for your personal use or records. If you make other use of this Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to penalties. HAD Financial & Insurance Services, Inc. does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this Web Site.

 HAD Financial & Insurance Services, Inc. reserves the right to change any information on this Web Site including but not limited to revising and/or deleting features or other information without prior notice. Clicking on certain links within this Web Site might take you to other web sites for which HAD Financial & Insurance Services, Inc. assumes no responsibility of any kind for the content, availability or otherwise. (See "Links from and to this Website" below.) The content presented at this Site may vary depending upon your browser limitations.

User Conduct On the Service:

While using the Service, you may not:

1. Restrict or inhibit any other user from using and enjoying the Service; or

2. post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or foreign law, including without limitation the U.S. export control laws and regulations; or

3. post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by HAD Financial & Insurance Services, Inc.) or engage in spamming or flooding; or

4. post or transmit any information or software which contains a virus, trojan horse, worm or other harmful component; or

5. post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through the Service for commercial purposes (other than as expressly permitted by the provider of such information, software or other material); or

6. upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Service which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or right holder; or

7. upload, post, publish, reproduce, transmit or distribute in any way any component of the Service itself or derivative works with respect thereto, as the Service is copyrighted as a collective work under U.S. copyright laws.

HAD Financial & Insurance Services, Inc. has no obligation to monitor the Service. However, you acknowledge and agree that HAD Financial & Insurance Services, Inc. has the right to monitor the Service electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its subscribers. HAD Financial & Insurance Services, Inc. will not intentionally monitor or disclose any private electronic-mail message unless required by law. HAD Financial & Insurance Services, Inc. reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of these Terms of Service.

Failure to Comply With Terms and Conditions and Termination:

You acknowledge and agree that HAD Financial & Insurance Services, Inc. may in its sole discretion deny you access through HAD Financial & Insurance Services, Inc. to any materials stored on the Internet, or to access third party services, merchandise or information on the Internet through HAD Financial & Insurance Services, Inc., and HAD Financial & Insurance Services, Inc. shall have no responsibility to notify any third-party providers of services, merchandise or information nor any responsibility for any consequences resulting from lack of notification.

You agree to defend, indemnify and hold HAD Financial & Insurance Services, Inc. and its affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees, arising in any way from your use of the Service or the placement or transmission of any message, information, software or other materials through the Service by you or users of your account or related to any violation of these Terms of Service by you or users of your account.

Links from and to this Web Site:

You acknowledge and agree that HAD Financial & Insurance Services, Inc. and any of its website co-branding providers have no responsibility for the accuracy or availability of information provided by linked sites. Links to external web sites do not constitute an endorsement by HAD Financial & Insurance Services, Inc. or its website co-branding providers of the sponsors of such sites or the content, products, advertising or other materials presented on such sites.

The links on this web site may take you to other sites where the trading of securities is possible. You acknowledge and agree that HAD Financial & Insurance Services, Inc. shall not be responsible or liable with regard to any trading which may be conducted on such linked trading sites, non-HAD Financial & Insurance Services, Inc. web sites, and any other web site which may be linked to or from the HAD Financial & Insurance Services, Inc. site. You acknowledge and agree that the stock and mutual fund price quotes and news stories which are accessed within a trading day may be delayed at least 20 minutes, as may required by exchanges and information providers. You acknowledge and agree that you bear responsibility for your own investment research and investment decisions, and that HAD Financial & Insurance Services, Inc. shall not be liable for any decision made or action taken by you or others based upon reliance on information or materials obtained through use of the Service. Prior to the execution of a securities trade, you should always consult with your broker or other financial representative to verify securities pricing information.

Information in the many web pages that are linked to HAD Financial & Insurance Services, Inc.'s Web Site comes from a variety of sources. Some of this information comes from official HAD Financial & Insurance Services, Inc. licensees, but much of it comes from unofficial or unaffiliated organizations and individuals, both internal and external to HAD Financial & Insurance Services, Inc.. HAD Financial & Insurance Services, Inc. does not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that HAD Financial & Insurance Services, Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Other Information:

HAD Financial & Insurance Services, Inc. is taking reasonable and appropriate measures, including encryption, to ensure that your personal information is disclosed only to those specified by you. However, the Internet is an open system and we cannot and do not guarantee that the personal information you have entered will not be intercepted by others and decrypted.

If you wish to make purchases through the Service, you may be asked by the merchant or information or service provider from whom you are making the purchase to supply certain information, including credit card or other payment mechanism information. You agree not to hold HAD Financial & Insurance Services, Inc. liable for any loss or damage of any sort incurred as a result of any such dealings with any merchant or information or service provider through the Service. You agree that all information you provide any merchant or information or service provider through the Service for purposes of making purchases will be accurate, complete and current. The merchants and information and service providers offering merchandise, information and services through the Service set their own prices and may change prices or institute new prices at any time. You agree to pay all charges incurred by users of your account and credit card or other payment mechanism at the prices in effect when such charges are incurred. You also will be responsible for paying any applicable taxes relating to purchases through the Service.

Loan or Lender Areas of the Web Site:

If applicable you may print a copy of your submitted loan application, and if your loan is approved you may print a copy of the Form of Truth in Lending Disclosures, Form of Promissory Note and Form of Supplement to Promissory Note, for your personal records. HAD Financial & Insurance Services, Inc. reserves the right to change any information at this Site including but not limited to revising and/or deleting loan products or loan related information as offered by participating lenders without prior notice. The user is further advised that unless otherwise stated to the user, nothing contained in this web site is an offer, promise or otherwise, either to make a specific loan or that any participating lender will make any loan for any purpose or on any specific terms. All loan related decisions are made by the lender in the course of its normal business and any applicable loan offerings are made to qualified applicants in separate loan documents which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents or states where participating lenders are licensed or authorized to make such loans. By offering their loans on this Web Site, lenders are not attempting to make loans outside their authorized states or country. HAD Financial & Insurance Services, Inc. and its participating lenders reserves the right to discontinue the offering of loan products in any specific state through this Web Site. You acknowledge and agree that HAD Financial & Insurance Services, Inc. and its participating lenders shall not be liable or responsible should confidential information belonging to the user be intercepted and subsequently used by an unintended recipient. The user may contact each lender at lender's Customer Service, for assistance or further information.

Miscellaneous:

The Terms of Service and the relationship between you and HAD Financial & Insurance Services, Inc. shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and HAD Financial & Insurance Services, Inc. agree to submit to the personal and exclusive jurisdiction of the courts located within the state of California.

The failure of HAD Financial & Insurance Services, Inc. to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.