Terms and Use

1. Acceptance of Agreement

By accessing and using the Coal Creek Mortgage website (the "Site"), you agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement"). This Agreement constitutes the entire and exclusive agreement between Coal Creek Mortgage ("we," "us," or "our") and you ("user," "you," or "your") regarding the use of the Site. It supersedes all prior agreements, representations, warranties, and understandings related to the Site, including its content, products, and services.

We reserve the right to amend this Agreement at any time without specific notice. The most recent version will always be available on the Site, and it is your responsibility to review these terms before using the Site. Your continued use of the Site signifies your acceptance of any modifications.

2. Copyright

The content, organization, graphics, design, compilation, digital conversion, and other elements related to the Coal Creek Mortgage website (the "Site") are protected under applicable copyright, trademark, and intellectual property laws. Any copying, redistribution, reproduction, or publication of the Site’s content—except as explicitly permitted in Section 4—is strictly prohibited.

You do not acquire any ownership rights to the content, documents, or other materials available on the Site. The posting of information or materials on the Site does not constitute a waiver of any intellectual property rights held by Coal Creek Mortgage..

3. Service Marks

Any products, services, or names mentioned on the Coal Creek Mortgage website (the "Site") may be trademarks or service marks of their respective owners. All such trademarks, service marks, and brand names are the property of their respective holders and are used on the Site for identification purposes only. Their inclusion does not imply any endorsement, sponsorship, or affiliation with Coal Creek Mortgage, unless explicitly stated.

4. Limited Right to Use

By viewing, printing, or downloading any content, graphics, forms, or documents from the Coal Creek Mortgage website (the "Site"), you are granted a limited, nonexclusive, and nontransferable license for personal use only. This license does not permit republication, distribution, assignment, sublicensing, sale, or the creation of derivative works based on the Site’s content.

No portion of the Site’s content, forms, or documents may be reproduced, stored, or incorporated into any information retrieval system—whether electronic or mechanical—except for personal, non-commercial use. Resale or redistribution of any content from this Site is strictly prohibited.

5. Editing, Deleting, and Modification

Coal Creek Mortgage reserves the right, at its sole discretion, to edit, modify, or delete any documents, information, or other content appearing on the Coal Creek Mortgage website (the "Site") without prior notice.

6. Indemnification

You agree to indemnify, defend, and hold Coal Creek Mortgage, along with its partners, attorneys, staff, advertisers, product and service providers, and affiliates (collectively, "Affiliated Parties"), harmless from any liability, loss, claim, or expense—including reasonable attorney's fees—arising from your violation of this Agreement or your use of the Site.

7. Nontransferable

Your right to use the Coal Creek Mortgage website (the "Site") is nontransferable. Any password or access granted to obtain information or documents is strictly personal and may not be shared, assigned, or transferred to another individual or entity.

8. Disclaimer and Limits

The information provided on the Coal Creek Mortgage website (the "Site") is offered "as-is" and "as available," without any express or implied warranties. This includes, but is not limited to, disclaimers of implied warranties of merchantability and fitness for a particular purpose. The information and services available on the Site may contain errors, bugs, or other limitations. Coal Creek Mortgage and its affiliates assume no liability for your use of any information or service provided through the Site.

In no event shall Coal Creek Mortgage or its affiliated parties be liable for any indirect, special, incidental, or consequential damages, including but not limited to loss of business, loss of profits, litigation, or other claims, even if advised of the possibility of such damages. These limitations are a fundamental part of the agreement between you and Coal Creek Mortgage, and without them, the Site’s services and information would not be available.

We do not provide legal advice, nor does your use of the Site create any attorney-client relationship.

Additionally, we disclaim responsibility for any damages caused by viruses or harmful components in files or documents downloaded from the Site. Under all circumstances, our maximum liability to you will be equal to the purchase price paid for any goods, services, or information.

9. Use of Information

By using the Site, you authorize Coal Creek Mortgage to collect, use, and assign any information regarding your activity on the Site in accordance with our Privacy Policy. Any remarks, suggestions, ideas, graphics, or other content submitted by you through the Site (collectively, the "Submission") shall become the exclusive property of Coal Creek Mortgage.

You acknowledge that we are not required to treat any Submission as confidential and assume no liability for any ideas provided. Without limitation, we maintain exclusive ownership of all existing and future rights to the Submission, and we may use it for any commercial or other purpose without compensation to you.

By submitting content, you affirm that you are solely responsible for its legality, reliability, appropriateness, originality, and copyright compliance.

10. Third-Party Services

The Site may include advertisements, links, or access to third-party products and services ("Merchants"). Coal Creek Mortgage does not own, operate, or control the products or services offered by these Merchants. All aspects of order processing, fulfillment, billing, and customer service are the responsibility of the respective Merchant.

By interacting with these Merchants, you acknowledge that your transactions are at your sole risk, and Coal Creek Mortgage makes no warranties—express, implied, or otherwise—including but not limited to warranties of title, fitness for a particular purpose, or non-infringement. We assume no liability for any damages resulting from transactions with Merchants or for any content on Merchant websites.

11. Third-Party Merchant Policies

When engaging with third-party Merchants, you are subject to their rules, policies, and operating procedures, including their privacy policies. Coal Creek Mortgage is not responsible for the information you provide to Merchants. Both parties operate as independent contractors, and neither has authority to make commitments on behalf of the other.

12. Privacy Policy

Your use of the Site is subject to our Privacy Policy, which may be updated periodically. The Privacy Policy is incorporated into this Agreement by reference.

13. Links to Other Websites

The Site may contain links to third-party websites. Coal Creek Mortgage does not control, monitor, or endorse these websites and assumes no responsibility for their content, accuracy, or expressed opinions. If you choose to access these sites, you do so at your own risk. The presence of a link does not constitute an endorsement of the site’s content or services.

14. Copyrights and Copyright Agents

Coal Creek Mortgage respects intellectual property rights and expects its users to do the same. If you believe your copyrighted work has been used in a manner constituting copyright infringement, please provide our Copyright Agent with the following details:

  1. A physical or electronic signature of the copyright owner or authorized representative.

  2. Your contact information, including address, phone number, and email.

  3. A statement confirming your good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

  4. A declaration under penalty of perjury that the information provided is accurate and that you are the copyright owner or authorized to act on their behalf.

15. Proposed Product and Service Offerings

The Site may contain information regarding proposed products, services, or company announcements. While we strive for accuracy, Coal Creek Mortgage does not guarantee that the information is current or error-free. We are under no obligation to update press releases or other published content.

Any references to companies other than Coal Creek Mortgage should not be interpreted as endorsements or partnerships unless explicitly stated.

16. Miscellaneous

This Agreement shall be governed by the laws of the State of [Insert State] without regard to conflict-of-law principles. Any legal claims related to the Site must be filed within one (1) year from the date of occurrence, or they will be permanently barred.

All disputes shall be resolved exclusively in the courts of [Insert Jurisdiction], and you consent to their jurisdiction. If any part of this Agreement is deemed invalid or unenforceable, the remaining provisions will remain in full force and effect.

Coal Creek Mortgage’s failure to enforce any part of this agreement does not constitute a waiver of its rights.