PRIVACY POLICY for EBook.ModSoftKit.com’s , dba State Financial Services, LLC
April 23, 2009

Any time you visit a Web site, you may be providing information about yourself to the site's owner or operator. Therefore, you should take the time to ensure that the site is legitimate, and even if legitimate; you need to understand the web site's privacy policies. If the site is not part of a legitimate business or doesn't have privacy policies, it is highly recommended that you not use the web site.

The EBook.ModSoftKit.com’s  Mission
At our Web site (also referred to generally as the "EBook.ModSoftKit.com’s  site" or "Site") we are attempting to help borrowers in default. We use information that we get from your visit to enable you to access the information on the Site and participate in and take advantage of the various programs and features presented. We strive to make the EBook.ModSoftKit.com’s  site useful and interesting to you. We also gather information to help the mortgage industry better understand borrowers in default. We do not use the information that we collect from the Site for any other purpose, nor do we share it with any affiliate or third party, except as specifically noted and with agencies, vendors, partners, or affiliates under contract with EBook.ModSoftKit.com’s  

A special note about children
The EBook.ModSoftKit.com’s  site is not intended for children under the age of 18, and EBook.ModSoftKit.com’s  does not knowingly collect personal information from those children.

Applicability of this Privacy Policy
This privacy policy applies only to the information that we collect on the EBook.ModSoftKit.com’s  site and not to any information that we collect through other methods or sources, including sites owned or operated by our affiliates, vendors, or partners. When visiting EBook.ModSoftKit.com’s  Web sites for other countries or regions or other Web sites that are not owned or operated by EBook.ModSoftKit.com’s , please review the privacy policy for those sites.

Notice
What personal information we collect and how we use it
When you visit the EBook.ModSoftKit.com’s  site, we capture your Internet provider's domain name (e.g., 'yahoo.com'). We also capture the country from where the visit came, and the paths taken as you move from page to page (i.e., your "click stream" activity).

Information we collect on the EBook.ModSoftKit.com’s  site may be used to enhance this site in ways like these:
= Arrange the Web site in the most user-friendly way
= Customize your browsing experience of this Web site
= Communicate special offers and featured items to you, if you choose to receive such notices
= Respond to your question or suggestions

In addition, EBook.ModSoftKit.com’s  may use the information from the site to explore the a number of metrics regarding borrowers in default.
EBook.ModSoftKit.com’s  only collects "personal information" that you choose to provide voluntarily when using or registering with the EBook.ModSoftKit.com’s  site. "Personal information" includes information that can identify you, such as:

= Name, address, phone number, email address, or company name
= Log-in information
= Social Security number or Federal Identification number
= Credit card information
= Mortgage Loan Information

While you can browse our site without providing personal information, you will need to input certain personal information as indicated on specific pages of our site in order to take advantage of certain features, such as requesting updates on promotional offers or participating in special programs.

EBook.ModSoftKit.com’s  may also on occasion ask you to voluntarily submit information about other people. For example, you might be asked for the name and email address of people you know so we can inform them about a sweepstakes, contest, or other promotion or program offered on the EBook.ModSoftKit.com’s  site.

Browsing and the use of cookies, Web beacons, and logs
EBook.ModSoftKit.com’s  uses cookie technology as part of our Web site's statistical reporting. A cookie is a small piece of information sent by a Web site that is saved on your hard disk by your computer's browser. It holds information a site may need to personalize your experience (such as, rotating imagesdavid on the home page of the EBook.ModSoftKit.com’s  site). Cookies are also used to gather Web site statistical data, such as which pages are visited, what is downloaded, the Internet provider's domain name and country of origin, and the addresses of sites visited immediately before, and after, coming to the EBook.ModSoftKit.com’s  site.

The cookies allow us to trace your "click stream" activity (meaning, the paths taken by visitors to our site as they move from page to page) and enable use to better understand your movement throughout the Site to better enhance the Site and to better understand borrowers in default. If you prefer, you can configure your browser to reject all cookies, or to notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie and privacy preferences.)

A Web beacon is an electronic image, also called a single-pixel or clear GIF, placed in the code of a Web page. The EBook.ModSoftKit.com’s  site uses Web beacons to track traffic patterns of users as they navigate from one page to another. This information lets us tune and improve our users' browsing experience and also helps us gather information about borrowers in default. As with cookies, the information that Web beacons collect personal data "click stream" data, and is associated with you as an individual to better understand the dynamics of your use of the system.

We also use standard Web server log files to help us count visitors and evaluate our site's technical capacity. This information tells us how many people visit the EBook.ModSoftKit.com’s  site, and helps us decide how to arrange pages in the most user-friendly way. It also helps us keep the site browser-friendly and more useful to our visitors. We record information on site traffic, including individual visitors to our site, so personal information about you will be kept and used to help us better help borrowers in default.

Sweepstakes, contests, games, and surveys
From time to time, EBook.ModSoftKit.com’s  may conduct sweepstakes, contests, games or other promotions, and also conduct surveys through our Web site. If you choose to participate-unless otherwise noted in the applicable rules, terms and conditions, or disclaimers-we may use the information you provide in connection with the administration of the applicable promotion, including for selection and notification of sweepstakes or contest winners and for creation of new promotions, and/or to publish survey results in aggregate on the site.
Email, mailing lists, and other services
When you send us an email, we use your email address to thank you for your comment and/or reply to your question. We store your communication and our reply in case we correspond further. In order to facilitate communication, we reserve the right to share your e-mail address with your lender/servicer, loan investor or any other party designated by the owner of your loan or servicer rights properly designated to attempt loss mitigation on your loan. We will not sell your e-mail address to anyone else for a use other than as specified in this policy.

When you request information or services, we use your email address and any other information you give us to provide you with the information or services you've requested until you ask us to stop (by using the "unsubscribe" instructions provided on each email and/or the Web site where you signed up and/or as we otherwise provide), or until the information or service is no longer available.

Affiliated businesses and links to other sites
We work closely with our affiliated businesses, vendors and partners, many of which have links within the EBook.ModSoftKit.com’s  site. Please remember that when you use a link to go from the EBook.ModSoftKit.com’s  site to another Web site, this Privacy Policy no longer applies. Your browsing and interaction on any third party's Web site, including any site that has a link on EBook.ModSoftKit.com’s , is subject to the rules and policies of that site. We encourage you to read the rules and policies of the sites you visit to better understand their procedures for collecting, using, and disclosing personal information.

Our policy regarding selling or renting of personal information
Our policy is simple: we do not sell or rent your personal information to any third parties under any circumstances, except in the event of a bankruptcy or reorganization, or a sale of all or substantially all of our assets, as further provided below.

Agents
We may employ other companies and individuals to perform services on behalf of EBook.ModSoftKit.com’s , such as (1) administering special reward or other programs affiliated with EBook.ModSoftKit.com’s , or sweepstakes, contests and other promotions, (2) sending emails, (3) providing marketing assistance, and (4) analyzing data. Such companies and individuals will have access to the personal information necessary to perform their services, but will not be permitted to use it for any other purpose.

Banners and other advertisements on EBook.ModSoftKit.com’s
The EBook.ModSoftKit.com’s  site displays banners and other advertisements that may be placed by third parties. Such advertisers may collect non-personal information (meaning, information that is not identifiable to any individual) when you click or scan one of their advertisements, by placing cookies on your computer or by using other technology. We encourage you to review the privacy policies of any such third parties. In addition, we may share aggregate information about our visitors to third-party ad servers or potential advertisers in order to provide advertisements on EBook.ModSoftKit.com’s  about products and services that may be of interest to you.

Business transfers
If a third party acquires all or substantially all of our assets, your personal information, aggregated information, and any other information that we have collected on the EBook.ModSoftKit.com’s  site may be transferred to such third party as part of our business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered one of our assets and may be sold or transferred to third parties.

Disclosure of personal information for legal purposes and protection of EBook.ModSoftKit.com’s  and others
We reserve the right to share your personal information with third parties if required to do so by law, or if we believe such action is necessary in order to: (a) conform to the requirements of the law or comply with legal process served upon us; (b) protect or defend our legal rights or property, the EBook.ModSoftKit.com’s  site, or our users; or (c) investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of the terms and conditions for using the EBook.ModSoftKit.com’s  site.

Choice
How you can decide what communication you'll receive from us
We may periodically send you email messages describing updates, new features, or promotional offers related to this Web site. You can choose to stop receiving this email at any time. Simply follow the instructions included in your email, or send a reply stating your request.

Access and data retention
How to update, correct, or delete your personal information
You can access and modify certain personal information stored on the EBook.ModSoftKit.com’s  site, such as your name, phone number, email address, and mailing address, by clicking "Edit profile."

We retain information provided to us indefinitely unless otherwise stated. We will keep some personal information you have requested to remove for the following purposes:
Troubleshoot problems
Assist with investigations
Enforce our site rules
Comply with legal requirements
Therefore, you should not expect that all of your personal information will always be completely removed from our databases in response to your requests.

Security
How we protect the security of your personal information
The security of your personal information is very important to us, and we are committed to protecting the information we collect. EBook.ModSoftKit.com’s  uses firewalls and Secure Socket Layers for all personal data we collect from you. We also employ many different security techniques to protect personal data against loss, misuse, alteration, and unauthorized access. But we cannot guarantee perfect security of your personal information.

Customer service and recourse
Changes to the EBook.ModSoftKit.com’s  Privacy Policy
This privacy policy was first posted on January 1, 2009. EBook.ModSoftKit.com’s  reserves the right to change, modify, or amend this policy at any time. Please also read over the EBook.ModSoftKit.com’s  Use Policy Agreement. EBook.ModSoftKit.com’s  takes privacy matters very seriously, and intends to stay at the forefront of privacy policy and protection matters. EBook.ModSoftKit.com’s  will occasionally update our privacy policy and we will post those updates on this page. You are responsible for revisiting this page to review our privacy policy updates.

How to contact EBook.ModSoftKit.com’s  regarding your concerns and questions
Please note that whenever you submit any information to us in connection with any services related to the EBook.ModSoftKit.com’s  site, you consent to let us process this information as necessary to provide the services in which you are participating.

If you have any questions, comments, criticisms, or complaints about EBook.ModSoftKit.com’s privacy policy and/or the way it affects you, please feel free to email us at info@EBook.ModSoftKit.com’s

Should you have a dispute regarding this privacy policy, we will resolve it and take any remedial action as we reasonably determine in our discretion and in accordance with applicable laws.

TERMS OF USE

PRIVACY - SECURITY AND DISCLAIMER STATEMENT
All materials presented on EBook.ModSoftKit.com’s  are presented as an author, publisher, distributor and seller of information subject to Federal copyright protection. The views and opinions are specifically presented from a mortgage lender's or servicer's perspective. EBook.ModSoftKit.com’s  does not attempt to collect debts and does not provide bankruptcy assistance. The material is for informational purposes only and the information is not to be construed or relied upon in any way as legal or professional advice. EBook.ModSoftKit.com’s  strongly encourages you to consult legal counsel and other appropriate industry professionals including working with your lender before adopting any of the ideas or suggestions in this material, The information may or may not be applicable to your specific situation. EBook.ModSoftKit.com’s  does not guarantee the accuracy of the information, and is not liable for any damages, losses or other detriment that may result from the use of the EBook.ModSoftKit.com’s  website. In addition, EBook.ModSoftKit.com’s  does not guarantee the availability and 100% functionality of the EBook.ModSoftKit.com’s  website at any time.
 
USER POLICY AND AGREEMENT
Please note: You have already accepted these Terms and Conditions. Your acceptance was made prior to your initial visit to the EBook.ModSoftKit.com’s  Site.
 
Unless otherwise noted, the Materials and any intellectual property and other rights relating thereto are and will remain the property of EBook.ModSoftKit.com’s  and its licensors and suppliers. The Materials and the selection, compilation, collection, arrangement and assembly thereof are protected by U.S. and international copyright, trademark and other laws, and You acknowledge that these rights are valid and enforceable. The Materials may be used solely to the extent necessary for Your authorized use of the Site, as provided in the Rules or as expressly authorized in writing by EBook.ModSoftKit.com’s  or, if so indicated in writing by EBook.ModSoftKit.com’s , its licensors or suppliers.
 
The trademarks, logos, and service marks displayed on the Site (collectively the "Trademarks") are the registered and unregistered trademarks of EBook.ModSoftKit.com’s , EBook.ModSoftKit.com’s licensors and suppliers, and others. The Trademarks owned by EBook.ModSoftKit.com’s , whether registered or unregistered, may not be used in connection with any product or service that is not EBook.ModSoftKit.com’s 's, in any manner that is likely to cause confusion with customers, or in any manner that disparages EBook.ModSoftKit.com’s . Nothing contained on the Site or within the Materials should be construed as granting by implication, estoppel or otherwise, any license or right to use any Trademark without the express written permission of EBook.ModSoftKit.com’s , EBook.ModSoftKit.com’s licensors or suppliers, or the third party owner of any such Trademark. Misuse of any Trademarks or any other Material is prohibited, and EBook.ModSoftKit.com’s  will aggressively enforce its intellectual property rights in such Trademarks and Material, including via civil and criminal proceedings.
 
Confidentiality of Materials
The Site includes Materials that are confidential to EBook.ModSoftKit.com’s  and its licensors and suppliers. You should assume that the Materials are confidential and proprietary unless otherwise indicated on the Site or apparent from the nature of such Materials (for example, publicly available forms or documents). You agree to maintain such Materials in confidence, to use such Materials only as provided hereunder, and not to disclose such Materials to third parties. This obligation will not apply to Materials that EBook.ModSoftKit.com’s  has made generally available to the public.
 
Information Gathered From You By EBook.ModSoftKit.com’s
All uses of any information collected by EBook.ModSoftKit.com’s  through the Site are subject to the terms of EBook.ModSoftKit.com’s  Privacy Policy.
 
Non-Personally Identifiable Information
EBook.ModSoftKit.com’s  collects and aggregates information indicating, among other things, the EBook.ModSoftKit.com’s  courses or lessons in which visitors to the Site enroll, whether or not visitors to the Site complete the courses or lessons in which they enroll and the degree of successful completion of the courses or lessons, the places visited at the EBook.ModSoftKit.com’s  web site and the interactions with various people and material. The information EBook.ModSoftKit.com’s  collects helps EBook.ModSoftKit.com’s  identify the most popular areas of the Site, determine the effectiveness of the EBook.ModSoftKit.com’s  program and build quality, more useful online services. EBook.ModSoftKit.com’s  uses this to perform statistical analyses of the collective characteristics and behavior of visitors to the Site. EBook.ModSoftKit.com’s  may disclose some of this statistical information to others involved in the mortgage industry to inform them of the number of people who have participated in the EBook.ModSoftKit.com’s  program and to provide statistical data on the success of the EBook.ModSoftKit.com’s  program in achieving its goal of providing borrowers with information on loss mitigation alternatives.
 
Personally identifiable information
In certain areas of the Site - for example, when registering to enroll in a resolution or an educational course - EBook.ModSoftKit.com’s  requests that You provide EBook.ModSoftKit.com’s  with personally identifiable information. Specifically, if You seek to obtain recognition from EBook.ModSoftKit.com’s  or completing a EBook.ModSoftKit.com’s  course, You must submit to EBook.ModSoftKit.com’s  certain information. This may include, without limitation, Your social security number, loan number, telephone number, street address and e-mail address. EBook.ModSoftKit.com’s  uses this information to process and report Your progress to various entities involved in the mortgage banking industry. EBook.ModSoftKit.com’s  will not provide this personally identifiable information to any third party other than those third party contractors responsible for the maintenance, care and support of this web site and the mortgage banking entities related to your loan. In addition, EBook.ModSoftKit.com’s  requires that you provide EBook.ModSoftKit.com’s  with an email address at which EBook.ModSoftKit.com’s  may contact You. EBook.ModSoftKit.com’s  uses this information solely to allow EBook.ModSoftKit.com’s  employees or agents, and those mortgage banking entities related to your loan, to contact you about your loan or to help you with the use of this web site.
 
Your Submissions
Other than as specifically precluded from release as stated above, any communication or material You send to the Site, electronically or otherwise, including but not limited to responses to lesson exercises and tests, data, questions, comments, suggestions or submissions (but excluding Your social security number) (collectively, "Submissions"), is and will be treated as non-confidential and non-proprietary. By making a Submission to EBook.ModSoftKit.com’s  on the Site, You agree to grant and hereby grant to EBook.ModSoftKit.com’s  and any party authorized by EBook.ModSoftKit.com’s  a non-exclusive, worldwide, perpetual, irrevocable, assignable and transferable license to reproduce, distribute, perform or display (publicly or otherwise), create derivative works from and otherwise use and exploit the Submissions (and to authorize others to do the same), in whole or in part and as may be edited or modified by EBook.ModSoftKit.com’s  or any party authorized by EBook.ModSoftKit.com’s , for any purpose whatsoever, commercial or otherwise, in any form or media now existing or hereafter devised, without obligation of any kind. You also agree not to make any Submissions that violate or infringe in any way upon the rights of others (including, without limitation, any copyright, trademark or other intellectual property right) or that are otherwise unlawful. You will be solely liable for (and will indemnify and hold harmless EBook.ModSoftKit.com’s  and any party authorized by EBook.ModSoftKit.com’s  from) any damages arising from and relating to the Submissions or the use thereof, in whole or in part, by EBook.ModSoftKit.com’s  or any party authorized by EBook.ModSoftKit.com’s .
 
Information Provided By EBook.ModSoftKit.com’s  to You
Although EBook.ModSoftKit.com’s  strives to provide Materials that are both useful and accurate, laws, regulations, data and other information change frequently and are subject to varying interpretations. In addition, the facts and circumstances of every situation differ. Accordingly, the Materials may not be up-to-date, accurate or complete. In particular, the Materials may not reflect current legal developments, nor will they necessarily reflect the rules applicable to each jurisdiction or factual circumstance. EBook.ModSoftKit.com’s  does not make any representations or warranties with respect to the sufficiency, adequacy, accuracy, currency or reliability of the Materials and will not be liable for any lack of the foregoing.
 
Links
The Site contains links to other Internet web sites, including affiliated web sites which may or may not be owned or operated by EBook.ModSoftKit.com’s . EBook.ModSoftKit.com’s  has not reviewed all of the web sites which are linked to the Site, and EBook.ModSoftKit.com’s  has no control over such sites. Unless otherwise explicitly stated, EBook.ModSoftKit.com’s  is not responsible for the content of such web sites, any updates or changes to such sites, or the privacy or other practices of such sites, and the fact that EBook.ModSoftKit.com’s  offers such links does not indicate any approval or endorsement of any material contained on any linked site. EBook.ModSoftKit.com’s  is providing these links to You only as a convenience. Accordingly, we strongly encourage You to become familiar with the terms of use and practices of any linked site. Further, it is up to You to take precautions to ensure that whatever links You select or software You download (whether from the Site or other sites) is free of such items as viruses, worms, trojan horses, defects, date bombs, time bombs and other items of a destructive nature.
 
No Financial, Credit-Related or Other Professional Advice
EBook.ModSoftKit.com’s  hopes and believes that the Materials will be helpful as an educational tool and for background reference, but they should not be construed as financial, legal, accounting or other professional advice on any subject matter. EBook.ModSoftKit.com’s  has endeavored to comply with legal and ethical requirements known to the EBook.ModSoftKit.com’s  personnel who compiled this Site, but EBook.ModSoftKit.com’s  is not engaged in rendering financial, legal, accounting or other professional services, and availability or use of the Materials is not intended to create, and does not create, any fiduciary, client, accounting-client or other professional services relationship. Specifically, EBook.ModSoftKit.com’s  is not and does not hold itself out to be a collection agency, a credit reporting agency, a budget counseling agency or a consumer credit counseling agency. Use of the Materials is not an adequate substitute for obtaining financial, legal, accounting or other professional advice from a professional licensed in Your jurisdiction. You agree You will not act or refrain from acting based on any of the Materials without first seeking the services of a competent professional.
 
No Forbearance or Delay of Foreclosure or other Action
EBook.ModSoftKit.com’s  hopes and believes that the Materials contained on this Site will be helpful to You and that the information will assist in the resolution of the default under Your mortgage loan. However, Your use of this Site and/or the completion of the material on this Site, will not cause any type of delay, in any way, of the foreclosure process. Despite Your use of this Site, the mortgage entity responsible for your mortgage loan will proceed with its processes in the same manner as if you made no use of this site and nothing contained in the Site shall be construed as any agreement for the delay and/or extension of the foreclosure process, or the delay and/or extension any other process being pursued by any mortgage banking entity.
 
No Warranties
Neither EBook.ModSoftKit.com’s  nor any of its licensors or suppliers makes any representations or warranties, either express or implied, of any kind with respect to the Site, the Materials, any linked web site or any other content or information available on or through the Site. All Materials, links and other content and information available on or through the Site are provided "AS IS" with no warranty. You agree that use of the Site and/or all Materials, links and other content and information available on or through the Site is at Your sole risk. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, EBook.ModSoftKit.com’s  AND ITS LICENSORS AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE, THE MATERIALS, ANY LINKED WEB SITE OR ANY OTHER CONTENT OR INFORMATION AVAILABLE ON OR THROUGH THE SITE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
 
Limitation on Liability
To the fullest extent permissible under applicable law, neither EBook.ModSoftKit.com’s  nor any of its licensors or suppliers, nor its or their directors, officers, employees, consultants, agents or other representatives ("Service Providers") will be liable for any damage, loss or expense of any kind arising from or relating to Your access to or use of the Site, the Materials, any linked web site or any other content or information available on or through the Site, regardless of whether such liability is based in tort, contract, or otherwise. In no event will EBook.ModSoftKit.com’s , any of its licensors or suppliers, or any of its or their Service Providers be liable to any party for any indirect, special or consequential damages arising from or relating to use of or access to the Site, the Materials, any linked web site or any other content or information available on or through the Site, including, without limitation, any damages for loss of profits, business interruption, loss of programs or other data, loss of goodwill, work stoppage, computer failure or malfunction or otherwise, even if EBook.ModSoftKit.com’s  or any of its licensors or suppliers is expressly advised of the possibility of such damages.
 
No Agency. These Rules will not be construed as creating an agency, partnership, joint venture or any other form of association between the parties; and the parties will at all times be and remain independent contractors. Except as expressly agreed by the parties in writing, neither party will have any right or authority, express or implied, to assume or create any obligation of any kind, or to make any representation or warranty, on behalf of the other party or to bind the other party in any respect whatsoever.
 
Notices. Except as explicitly stated otherwise, any notices to EBook.ModSoftKit.com’s  will be given by email to info@EBook.ModSoftKit.com’s  or such other address as EBook.ModSoftKit.com’s  specifies. Any notices to You shall be to the email address You provide to EBook.ModSoftKit.com’s  during the registration process or the most current email address on file for you with EBook.ModSoftKit.com’s . Notice will be deemed given twenty-four (24) hours after an email is sent, unless the sending party is notified that the email address is invalid or the email is undeliverable. Alternatively, EBook.ModSoftKit.com’s  may give You notice by certified mail, postage prepaid and return receipt requested, to the address provided to EBook.ModSoftKit.com’s  during the registration process. In such case, notice will be deemed given three (3) days after the date of mailing.
 
Export Administration. You agree to comply fully with all relevant export laws and regulations, including but not limited to the laws and regulations of the United States and other countries ("Export Laws"), to assure that neither the Materials nor any direct product thereof are (1) exported, directly or indirectly, in violation of Export Laws; or (2) are used for any purposes prohibited by the Export Laws.
 
Governing Law. These Rules and the relationship between You and EBook.ModSoftKit.com’s , including, without limitation, Your use of or access to the Site, the Materials, any linked web site or any other content or information available on or through the Site, are to be construed in accordance with and governed by the internal laws of the State of Florida without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of Florida to the rights and duties of the parties. Each party hereby submits to the exclusive jurisdiction of the state and federal courts in Seminole County, Florida , and waives any jurisdictional, venue or inconvenient forum objections to such courts.
 
Severability. In the event that any provision of these Rules (or any portion hereof) is determined by a court of competent jurisdiction to be illegal, invalid or otherwise unenforceable, such provision (or part thereof) will be enforced to the fullest extent possible consistent with the purpose of such provision (or part thereof), or, if incapable of such enforcement, will be deemed to be severed and deleted from these Rules, while the remainder of the Rules will continue in full force and remain in effect according to its stated terms and conditions.
 
No Waiver. No failure or delay by either party in exercising any right, power or remedy under these Rules will operate as a waiver of any such right, power or remedy. No waiver of any provision of these Rules will be effective unless in writing and signed by the party against whom such waiver is sought to be enforced.
 
Disclosures. The Site is operated by EBook.ModSoftKit.com’s  and all access to and use of the Site, the Materials or any other content or information available on or through the Site shall be deemed to occur in Las Vegas, Florida. This Site is not operated by the various mortgage banking entities related to the borrower. The terms of any agreement between a EBook.ModSoftKit.com’s  and the mortgage banking entity related to the borrower will have no effect on or relation to these Rules.
 
Entire Agreement. These Rules constitute the complete agreement between the parties and supersede all prior or contemporaneous agreements or representations, written or oral, concerning the subject matter of these Rules. Any amendments to these Rules by EBook.ModSoftKit.com’s  will be effective when posted on the Site for seven (7) days. Nothing in these Rules will limit or supersede any of EBook.ModSoftKit.com’s By-Laws or Operating Regulations (collectively the "Regulations"), all of which continue to govern the relationship between EBook.ModSoftKit.com’s  and the government or mortgage banking entities that contract with EBook.ModSoftKit.com’s . In the event of any apparent conflict between the terms of these Rules and the Regulations, the Regulations will govern.
 
If You have any questions, comments, criticisms, or complaints about eBook.ModSoftKit.com’s  or this Site, please email eBook.ModSoftKit.com’s  at notices@EBook.ModSoftKit.com’s .
 
BY REGISTERING AN ACCOUNT, YOU ACKNOWLEDGED THAT (1) YOU HAD READ AND REVIEWED THESE RULES IN THEIR ENTIRETY, INCLUDING ANY RELATED THIRD-PARTY SOFTWARE LICENSE AGREEMENTS, (2) YOU AGREED TO THESE RULES, (3) YOU AGREED THAT YOU HAD THE POWER, AUTHORITY AND LEGAL RIGHT TO ENTER INTO THIS AGREEMENT ON BEHALF OF YOU AND, BY SO CLICKING, THESE RULES CONSTITUTED BINDING AND ENFORCEABLE OBLIGATIONS OF YOU.
 
Security Policy - Privacy is a primary concern of EBook.ModSoftKit.com’s . It is our goal to protect your privacy, and to make sure you feel comfortable and secure using this program. You can be assured that your personal information will remain protected and encrypted. Below are some frequently asked security questions and answers to put you at ease. Enjoy the program.
 
Q: What can I do to protect my personal information while I'm using EBook.ModSoftKit.com’s ?
A: EBook.ModSoftKit.com’s  takes numerous steps to keep your information secure, but you also play a role in maintaining the security of your information. Here's what you can do:
= Choose a secret password
= We recommend that you do not use your name or email as your password. Instead use letters together with numbers in a password (for example: LoanHelp123).
= Memorize your password and store it in a safe place
= Your online password verifies your identity when you begin each EBook.ModSoftKit.com’s  session. You should memorize this password and write it down in a place only you have access to. Don't reveal it to anyone.
= Change your password regularly

It's important to change your password regularly, which you can easily do after you login to a EBook.ModSoftKit.com’s  session. You may change your password in the Edit section of your account.
 
Q: What security measures are taken to prevent sensitive information from being intercepted online?
A: From the moment sensitive information leaves your computer, anytime sensitive information is passed, then sessions are encrypted. This means your password, as well as all other information relating to you employ some of the best forms of cryptography that are commercially available for use over the internet. If for any reason your secure session ends, your EBook.ModSoftKit.com’s  session will automatically terminate.
 
Q: Why can I only use certain browsers for EBook.ModSoftKit.com’s ?
A: EBook.ModSoftKit.com’s  reviews browsers to see whether they operate appropriately in regard to security and functionality. In particular, we look closely at the following security features:

= No storage of sensitive information
= EBook.ModSoftKit.com’s  requires that browsers not record borrower's information on their computers' hard drives. Also, sensitive information will not be downloaded to your local drive.
= Encryption
= EBook.ModSoftKit.com’s  requires the browser to make use of a superior type of encryption. While many browsers provide high levels of security, very few browsers meet all of eBook.ModSoftKit.com’s security and functionality requirements.

Q: What are eBook.ModSoftKit.com’s  requirements for approved browsers?
A: eBook.ModSoftKit.com’s  minimum requirement for approved browsers is the standard 128-bit encryption. The latest releases of Microsoft Internet Explorer and Netscape Navigator come with this encryption.
 
Q: What are cookies? Can I get rid of them?
A: Some sites may track your activity with a "cookie," a block of text the site places in a file on your computer's hard drive. A code in the cookie file enables the site to label you as a particular user. However, it doesn't identify you by name or address unless you've provided the site with such information or set up preferences in your browser to do so automatically. Newer versions of browser software let you decide whether you want to receive cookie files, and some programs notify you when a Web site is about to deposit a cookie on your hard drive. You can check for cookies on your computer. If you have a PC, look for a file on your hard drive called "cookies.txt" or for a file labeled "magic cookies" if you have a Macintosh. There are also utility software programs (called "cookie cutters" or "anonymizers") that allow you to edit cookie files selectively within Web browsers.
 
Q: How does encryption work?
A: Everything that travels through the internet during your online session-from your password to your sensitive personal information-becomes a string of unrecognizable numbers before entering the Internet. Both EBook.ModSoftKit.com’s  computers and the browser you use to surf the web understand the mathematical formulas, called algorithms, which turn your banking session into numeric code and back again into meaningful information.
 
These algorithms serve as locks on the doors of your information. And while EBook.ModSoftKit.com’s  and your computer can easily translate this code back to meaningful language, this process would be almost impossible for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula-but only one that will work. Every time you begin a EBook.ModSoftKit.com’s  session, your computer agrees on a random number that serves as the key for the rest of the conversation. What that random number is depends largely on the strength of encryption used by your browser.
 
Q: What type of encryption do I need?
A: EBook.ModSoftKit.com’s  requires you to use 128-bit encryption (also called "high" or "strong" encryption).
 
Note: Currently, browsers that offer 128-bit encryption can only be used by citizens and permanent residents of the United States and citizens of Canada, and it can only be downloaded to locations in the United States or Canada.
 
Accessibility Statement
The EBook.ModSoftKit.com’s  website has been designed with Accessibility in mind.
 
Design
Where appropriate, all imagesdavid have been assigned alternative text.

= Where appropriate, relative font sizes have been used; this will allow the user to enlarge the text size in visual browsers.
= Where appropriate, all links are written to make sense out of the context.
= The use of headings/subheadings, lists and tables have been used to make this site more usable.
= All forms use server side validation and where appropriate the element, making them more accessible by screen readers. Standards Compliance
= It is believed that this site meets all Priority 1 guidelines of the W3C Web Content Accessibility Guidelines, and where possible most of the Priority 2 guidelines.
= All pages are HTML 4.01 validated for better cross browser compatibility.
= We have tried to use Cascading Style Sheets (CSS) as much as possible for layout and presentation. All pages are CSS 2.0 validated.

Resizing the Text
Internet Explorer Users:
On your browser toolbar, select View and then Text Size.
Netscape 7.0 users:
On your browser toolbar, select View and then Text Zoom.
Firefox users:
On your browser toolbar, select View and then Text Size.
Other Browsers:
Please refer to your user documentation.
Accessibility Tools
W3C
We have used the W3C accessibility guidelines to help make EBook.ModSoftKit.com’s  more accessible.
 
If you have difficulty accessing this site or have any comments, please email us at support@EBook.ModSoftKit.com’s .