INTRO
Fay Servicing, its affiliates and/or subsidiaries (herein collectively referred to as "Fay") has contracted with MortgageKeeper Referral Services, Inc. to provide our customers with direct access to local nonprofit organizations, charities and other services. Your use of the MortgageKeeper Referral Services, Inc. website is subject to the Terms and Conditions described below. By using the MortgageKeeper Referral Services, Inc. web site, you agree to accept such Terms and Conditions.

CONTENT AND LIABILITY DISCLAIMER
Fay is not responsible for and does not imply any endorsement, guarantee, or monitor content of the products, information or services offered, or any representation regarding the content on this site. Fay is not affiliated with MortgageKeeper Referral Services, Inc. in any way except the parties have entered into an agreement in order to make the MortgageKeeper site and content available to Fay's customers. Fay is not a broker or party in any transaction between you and third parties made available via this site. THE INFORMATION ON THIS SITE IS PROVIDED "AS IS". Fay DOES NOT WARRANTY THE ACCURACY OF THE MATERIALS AND INFORMATION PROVIDED HEREIN, EITHER EXPRESSLY OR IMPUEDLY, FOR ANY PARTICULAR PURPOSE AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Fay DOES NOT GUARANTEE THE ACCURACY, VALIDITY, TIMELINESS OR COMPLETENESS OF ANY INFORMATION OR DATA MADE AVAILABLE TO YOU FOR ANY PARTICULAR PURPOSE. NOTHING ON THIS SITE SHOULD BE CONSTRUED AS RENDERING TAX, LEGAL OR INVESTMENT ADVICE OR AS A RECOMMENDATION OR OPINION THAT YOU SHOULD MAKE ANY PURCHASE OR SALE OR PARTICIPATE IN ANY TRANSACTION. Fay WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT COULD RESULT FROM INTERCEPTION BY THIRD PARTIES OF INFORMATION YOU SUBMIT OR WHICH IS MADE AVAILABLE TO YOU VIA THIS SITE OR OTHER SITE. NEITHER Fay, ITS AFFILIATES, NOR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, PARTNERS, ATTORNEYS, PREDECESSORS, SUCCESSORS, REPRESENTATIVES, ASSIGNEES, AGENTS, OR EMPLOYEES, NOR ANY THIRD PARTY VENDOR WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS SITE, OR RESULTING FROM ANY ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS SITE OR THE DATA AND INFORMATION CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THIS SITE OR THESE MATERIALS, WHETHER OR NOT CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF Fay. NEITHER Fay, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, PARTNERS, ATTORNEYS, PREDECESSORS, SUCCESSORS, REPRESENTATIVES, ASSIGNEES, AGENTS, OR EMPLOYEES WILL BE LIABLE, OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR AS A RESULT OF THIS INFORMATION OR THIS SITE BEING MADE AVAILABLE TO YOU.

COPYRIGHT
The Information provided on these pages is the copyright of MortgageKeeper Referral Services, Inc. All layout, design, original artwork, concepts and other Intellectual Properties remains the property and Copyright �2022 of MortgageKeeper Referral Services, Inc., and may not be used in any form or for any purpose whatsoever by any party without the express written permission of the copyright holders.

MORTAGEKEEPER CONTENT AND LIABILITY DISCLAIMER
INFORMATION ON THIS WEB SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. Information on this web site may contain technical Inaccuracies or typographical errors. We disclaim any responsibility for typographical errors and accuracy of the information that may be contained at this site. MortgageKeeper Referral Services, Inc. makes no representations whatsoever about any other web site, which you may access through this one. When you access a non-MortgageKeeper Referral Services, Inc. web site, please understand that it is Independent from MortgageKeeper Referral Services, Inc., and that MortgageKeeper Referral Services, Inc. has no control over the content on that web site. In addition, a link to a non- MortgageKeeper Referral Services, Inc. web site does not mean that MortgageKeeper Referral Services, Inc. endorses or accepts any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL MORTGAGEKEEPER REFERRAL SERVICES, INC. BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEBSITE, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CONFIDENTIALITY
MortgageKeeper Referral Services, Inc. has taken reasonable steps to ensure the confidentiality of Information taken at this website and transmitted via the Internet. Nevertheless, the Internet brings certain risks that should be recognized and guarded against. We use industry standard security technology and practice to safeguard your accounts from unauthorized access. However, you too play a part in protecting your accounts.

CHANGE WITHOUT NOTICE
MortgageKeeper Referral Services, Inc. reserves the right to change the Terms and Conditions and modify the contents of the web site without notice. Users are deemed to be apprised of and bound by any such changes.

CHOICE OF LAW
You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the State of New York, United States of America, You consent to the exclusive jurisdiction of courts sitting in the State of New York in all disputes arising out of or relating to the contents or use of this web site.

SEVERABILITY
If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired.

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