Welcome to our web site, ConsumerSolution.org. The term "ConsumerSolution.org", "CS.ORG", "us" or
"our" refers to ConsumerSolution.org, the legal name of the owner of the Site. The term "you" refers to
the terms and conditions applicable to your use of the Site and any service offered by us through the
Policy"), which is incorporated by reference, carefully, as by using the Site, you agree to comply with and
be bound by its terms. If you do not agree to these terms, you may not use or access the Site or Service.
1. Acceptance of Agreement; Entire Agreement. You agree that this Agreement constitutes the entire
and only agreement between CS.ORG and you, and supersedes all prior or contemporaneous
agreements, representations, warranties and understandings, if any, with respect to the Site, the
content, products or Service provided by or through the Site, and the subject matter of this Agreement.
This Agreement may be amended at any time without notice to you. The latest Agreement will be
posted on the Site, and you should review this Agreement prior to using the Site.
2. Financial Products and Services. You understand that through the Site, we offer the Service, which
provides an online information portal and marketplace where you can research and compare solutions
in a number of different categories, including loans, reverse mortgages, and insurance. You acknowledge
and agree that if you submit a request for any product or service offered through the Service, CS.ORG
will share your personal information (such as your full name, address, telephone number, and social
security number) with the providers in our provider network who can fulfill your request, including
banks, mortgage bankers and brokers (the "Provider(s)").
You acknowledge and agree that CS.ORG only refers you to the Providers and does not make loan or
other product related decisions in connection with the Service; CS.ORG is not a party to any agreement
that you may make with the Provider; and the Provider is solely responsible for its services to you. You
also acknowledge that by providing the Service through the Site, CS.ORG is not your agent or broker and
does not recommend any specific product, service or Provider to you.
Any compensation CS.ORG may receive for the Service provided hereunder is paid by Providers for the
products and services rendered by CS.ORG to that particular Provider. CS.ORG does not charge you any
fees to use the Site or the Service. You understand that requirements for a specific loan product are
made by the individual Provider and that CS.ORG does not endorse, warrant, or guarantee the products
or services of any Provider. Nothing contained herein constitutes an offer or guarantee for a loan
commitment, interest rate lock-in agreement or any specific financial product price or quote
commitment. You agree that CS.ORG is not and shall not be liable for any damages, costs, liabilities or
losses of any type which arise or may arise out of or in connection with your use of the Provider's
By submitting your request for a financial product, you agree that the Providers may contact you by
telephone, email or mail based on the information you have provided to us, even if you have opted into
the National Do Not Call List administered by the Federal Trade Commission or any state equivalent Do
Not Call List. You understand that the Providers may retain the information you submitted to CS.ORG
whether you elect to use their services or not. If you no longer want to receive communications from a
Provider, you agree to notify the Provider directly. You also grant CS.ORG permission to send you regular
updates of current financial products which may be of interest to you.
3. Other Products and Services. You understand and agree that if you request a product or service other
than a financial product such as Real Estate brokerage assistance offered through the Service, CS.ORG
will share your information with those business partners necessary to complete your request. You also
agree that our business partners may contact you by telephone, email or mail based on the information
you have provided to us, even if you have opted into the National Do Not Call List administered by the
Federal Trade Commission or any state equivalent Do Not Call List. You understand that CS.ORG
business partners may retain the information you submitted to CS.ORG whether you elect to use their
services or not. If you no longer want to receive communications from an CS.ORG business partner, you
agree to notify the partner directly
4. Use of the Site and Service. You certify to CS.ORG that: (i) you are eighteen (18) years of age or older;
(ii) you assume complete responsibility for the use of the Service by any minors; (iii) you agree that all
information you have submitted to CS.ORG, online or otherwise, is complete and accurate, and that you
have not intentionally submitted false information on or through the Site or Service; and (iv) your use of
the Site and Service is subject to all applicable federal, state, and local laws and regulations.
All calculators and tools on the ConsumerSolution.org site are designed to be informational and
educational tools only and do not constitute investment advice. We strongly recommend that you seek
the advice of a financial services professional before making any type of investment. We also encourage
you to review your investment strategy periodically as your financial circumstances change. These tools
& models are provided as a rough approximation of future financial performance. The results presented
by these calculators are hypothetical and may not reflect the actual growth of your own investments.
CS.ORG and its affiliates are not responsible for the consequences of any decisions or actions taken in
reliance upon or as a result of the information provided by these tools. CS.ORG is not responsible for any
human or mechanical errors or omissions.
5. Prohibited Conduct. As a party to this Agreement, you agree not to: (i) submit, transmit, promote or
distribute information or content that is illegal; (ii) submit, transmit or facilitate the distribution of
information or content that is abusive, harmful, racially or ethnically offensive, vulgar, sexually explicit,
defamatory, infringing, invasive of personal privacy or publicity rights, or in a rational person's view,
objectionable; (iii) attempt to interfere with, compromise the system integrity or security or decipher
any transmissions to or from the servers running the Service; (iv) take any action that imposes, or may
impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v)
transmit or submit invalid data, viruses, worms, or other software agents through the Service; (vi) use
any spider, robot, scraper or other automated access the Service for any purpose without our express
written permission; (vii) impersonate a different person or otherwise misrepresent your affiliation with a
person or entity, conduct fraud, hide or attempt to hide your identity; (viii) submit, post, upload, email,
transmit or otherwise make available any content or information that you do not have a right to make
available under any law or under contractual or fiduciary relationships; (ix) obstruct the proper working
of the Service; or (x) circumvent the measures we may use to prevent or restrict access to the Service;
(xi) submit, post, upload, email, transmit or otherwise make available any email content from private
parties; (xii) submit, post, upload, email, transmit or otherwise make available content or posts that
solicit purchases or use of merchandise, auctions, services or commercial Web sites, including offers to
trade, "wanted" posts, or charitable solicitations; (xiii) submit, post, upload, email, transmit or otherwise
make available any content including another individual's contact information and/or email address.
7. Copyright and Trademark Notice Information. All content of the CS.ORG Websites is protected under
copyright: Copyright ©2014 Saxum Partners II, LLC, 23101 Moulton Parkway, Suite 201; Laguna Hills, CA
92653 and/or its Clients and third party vendors. All rights reserved. Without Saxum Partners II, LLC's
prior permission, you agree not to display or use in any manner, the Saxum Partners II, LLC Marks. All
other logos or brand names shown on the Service are trademarks of their respective owners and/or
8. Links. CS.ORG may provide links to third party websites; however, since CS.ORG does not control
these websites, you acknowledge and agree that CS.ORG is not responsible for the availability of such
external websites, and does not endorse and is not responsible or liable for any information, content,
advertising, products, whether financial or otherwise, or other materials on or available from such
websites. You also acknowledge and agree that CS.ORG shall not be responsible or liable, directly or
indirectly, for any loss or damage caused or alleged to be caused by or in connection with use of or
reliance on any such content, products, goods or services available on or through any such website.
9. Indemnification. You agree to indemnify and hold CS.ORG, its subsidiaries, affiliates, agents,
shareholders, officers, contractors, vendors and employees harmless from any claim or demand,
including reasonable attorneys' fees, made by any third party due to or arising out of your use of the
Site, the Service or any Software, the violation of the Agreement by you, or the infringement by you, or
any other user of the Site, the Service or Software using your computer, of any intellectual property or
other right of any person or entity. CS.ORG reserves the right, at its own expense, to assume the
exclusive defense and control of any matter otherwise subject to indemnification by you.
10. No Warranty. CS.ORG PROVIDES THE SITE, THE SERVICE, INCLUDING ANY SOFTWARE ASSOCIATED
THEREWITH, "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO
SATISFACTORY QUALITY, PERFORMANCE, RESULT, ACCURANCY, AND EFFORT IS WITH YOU. TO THE
MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CS.ORG MAKES NO REPRESENTATIONS,
WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. CS.ORG DISCLAIMS ANY AND ALL WARRANTIES OR
CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (i) WARRANTIES
OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY,
WORKMANLIKE EFFORT, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-
INFRINGEMENT; (ii) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE
OF TRADE; AND (iii) WARRANTIES OR CONDITIONS THAT ACCESS TO OR USE OF THE SERVICE WILL BE
UNINTERRUPTED OR ERROR-FREE. THERE ARE NO WARRANTIES THAT EXTEND BEYOND THE FACE OF
11. Limitation of Liability. IN NO EVENT WILL CS.ORG BE LIABLE FOR ANY DAMAGES, INCLUDING
WITHOUT LIMITATION ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES
ARISING OUT OF, BASED ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE SITE, THE
SERVICE OR ANY SOFTWARE ASSOCIATED THEREWITH, EVEN IF CS.ORG HAS BEEN ADVISED OF THE
POSSIBLITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO
WHETHER THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3)
STRICT LIABILITY, (4) NEGLIGENCE, (5) TORT, OR (6) ANY OTHER CAUSE OF ACTION, TO THE EXTENT
SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE
DISSATISFIED WITH THE SITE OR THE SERVICE, YOU DO NOT AGREE WITH ANY PART OF THIS
AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST CS.ORG WITH RESPECT THIS
AGREEMENT, THE SITE OR THE SERVICE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE
12. Release. YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE CS.ORG AND ITS
AFFILIATES, PARTNERS, SERVICE PROVIDERS, VENDORS, AND CONTRACTORS AND EACH OF THEIR
RESPECTIVE AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR
ENTITIES CS.ORG ANY AND ALL MANNER OF RIGHTS, CLAIMS, DEMANDS, COMPLAINTS, CAUSES OF
ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY
NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM,
RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE OR THE SERVICE.
13. Notice. CS.ORG may provide you with notices, including those regarding changes to the Agreement,
by either email, regular mail, or postings on the Service.
14. Termination. You agree that CS.ORG may, under certain circumstances and without prior notice,
immediately terminate your access to the Site or Service. Cause for such termination shall include, but
not be limited to: (i) breach or violation of the Agreement, other incorporated agreements or the Privacy
Policy in any manner; (ii) requests by law enforcement or other government agencies; (iii) dismantling of
the Site or discontinuance or material modification to the Service (or any part thereof); and (iv)
unexpected technical or security issues or problems. You agree that all terminations for cause shall be
made in CS.ORG's sole discretion, and CS.ORG shall not be liable to you or any third party for any
termination of the Site or access to the Service.
15. Dealings with Third Parties. Your correspondence or business dealings with any third parties as a
result of your visit to the Site and/or participation in the Service, including, but not limited to, business
dealings with mortgage lenders or brokers, insurance agents or carriers, or any other terms, conditions,
warranties, representations associated with such dealings, are solely between you and such third party.
You agree that CS.ORG shall not be responsible or liable for any loss or damage of any sort incurred as
the result of any such dealings or as the result of the presence of such third party on the Service.
16. Disputes. This Agreement will be governed by and interpreted in accordance with the laws of the
State of California, without regard to the conflicts of laws principles thereof, as such laws apply to
contracts between California residents entered into and performed entirely within California. The
United Nations Convention on Contracts for the International Sale of Goods does not apply to this
Agreement. Any action or proceeding arising from or relating to this Agreement must be brought
exclusively in a federal court in the Southern District of California or in a state court in Los Angeles
County, California. The parties have agreed that this Agreement will be written and construed in the
17. Modification to Service. CS.ORG reserves the right at any time and from time to time to modify or
discontinue, permanently or temporarily, the Service (or any part thereof) with or without notice. You
agree that CS.ORG shall not be liable to you or to any third party for any modification, suspension or
discontinuance of the Service.
18. Waiver and Severability of Terms. The failure of CS.ORG to exercise or enforce any right or provision
of the Agreement shall not constitute a waiver of such right or provision. If any provision of the
Agreement 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 Agreement remain in full force and effect.
19. Disclosure of Your Information. You acknowledge, consent and agree that CS.ORG may preserve,
access, and disclose the information we collect about you if required to do so by law or in good faith
belief that such access preservation or disclosure is reasonably necessary to: (i) abide by legal process;
(ii) enforce the Agreement; (iii) respond to claims that any information or content violated the rights of
any third parties; (iv) respond to your requests for customer service; or (v) protect the rights, property,
or personal safety of CS.ORG, its users and the public.
20. Additional Terms. You acknowledge and agree that in addition to the terms of this Agreement, you
may also be subject to additional terms and conditions that may apply when you use or purchase certain
other CS.ORG services, affiliate services, third party content or third party software.
21. Survival. The following paragraphs shall survive termination or your refusal to continue to use the
Service: 7, 8, 10, 11, 12, 13, 17, 22, and 23.
22. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY
CS.ORG, Lenders, Providers and real estate companies may choose to electronically deliver all
information related to its services and your requests. CS.ORG, Lenders, Providers and real estate
companies' electronic communications to you may transmit or convey information about action taken
on your request, portions of your request that may be incomplete or require additional explanation, any
notices required under applicable law, which may include any Federal Truth-in- Lending disclosures,
State disclosures, other terms, conditions and documents, and the privacy policies of CS.ORG, Lenders,
Providers and real estate companies.
You agree to receive all current and future notices, disclosures, communications and information, and to
do business electronically with CS.ORG, Lenders, Providers and real estate companies. This means that
CS.ORG, Lenders, Providers and real estate companies may communicate with you by sending a
message to the email address you provided or at another address that may be associated with you that
we receive from Lenders, Providers and real estate companies or other parties. You agree that you meet
the below technical requirements and are able to access and retain copies of notices and information
sent or made available electronically.
To access and retain information and notices we send or make available to you electronically, you will
- Internet access with 128-bit encryption
- Adobe Acrobat Reader 6 or higher
- Ability to Print Internet Explorer 6 or higher
- Netscape 8.04 and above (Use in IE mode)
- Email Access or Firefox version 1.5
You have the right to receive any document in non-electronic form and to withdraw your consent to
electronic delivery at any time by contacting by emailing email@example.com
23. Statute of Limitations. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY,
ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE
AGREEMENT MUST BE FILED WITHIN ONE 3 MONTHS AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE
OR BE FOREVER BARRED.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.