Terms & Conditions
Our Ownership of the Site, and Your Right to Use Our Site.
All content and material provided on our site, including, but not limited to, all design, text, symbols, and images, is owned by Impac Mortgage Holdings, Inc. or one of its subsidiaries. Except as stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of our proprietary rights.
Mortgage Loan Services
The Website may include services for mortgage loans made on real property. Loans may only be made to residents of and secured by real property located in states where we are licensed or authorized to make such loans.
We do not guarantee acceptance into any particular loan program or specific loan terms or conditions. We do not guarantee that the loan terms or rates presented are the best terms or lowest rates available in the market. We encourage you to shop for the best product to suit your personal needs. An offer may be and generally is subject to market conditions, submission of a full application, loan approval, and qualification. The rates and fees may be higher or lower than initially quoted depending on your complete credit profile, collateral/property considerations, and income/asset considerations. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. We may not offer all products nor offer certain products in all states.
Disclaimer of Warranty
The information available on our site is obtained from various sources we believe to be accurate and reliable. We believe that all information we provide on our site is accurate and reliable as of the date it is posted. However, errors sometimes occur and we cannot and do not represent or warrant that the information and material on this site are timely, correct, accurate, or reliable. The information and materials on this site are provided on an “as is” and “as available” basis, without any express or implied warranties of any kind, including any implied warranties of merchantability, fitness for any particular purpose, freedom from viruses or other harmful code, or non-infringement of third party rights. We further assume no responsibility for and make no representations or warranties that the operation of our site or any functions contained on our site will be uninterrupted or error-free, that our site will operate correctly with any particular equipment you use to access our site, that defects will be corrected, or that our site or the servers that make it available are free from viruses or other harmful components. In addition, we assume no responsibility for and make no representations and warranties that the information provided by third parties for use on the site is accurate or that any third party offering transactions or opportunities on our site will consummate those transactions or opportunities. Opinions and any other content on our site are subject to change without notice. We are not providing investment, legal, tax, financial or other professional advice to you or any other party and no information or material on our site is to be relied upon for the purpose of making or communicating investment or other decisions. All material on this site is meant to be reviewed in its entirety, including any footnotes, legal disclaimers, restrictions, disclosures, and copyright or proprietary notices. Any disclaimers, restrictions or disclosures apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.
Limitation of Liability
YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SITE IS AT YOUR SOLE RISK. UNDER NO CIRCUMSTANCES SHALL WE OR OUR PARENTS, AFFILIATES, SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS BE LIABLE FOR ANY COSTS, CLAIMS, DAMAGES, LOSSES, OR EXPENSES OF ANY KIND ARISING IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO USE OUR SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, AND PUNITIVE DAMAGES, EVEN IF WE OR AN AUTHORIZED REPRESENTATIVE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Links to Third Party Sites
Our site may provide “hyperlinks,” also known as “links,” to sites owned and operated by third parties. Links to such third party sites are provided for your convenience only and should not be construed as our endorsement of or responsibility for any site, company, product, or service. We are not responsible for the content of off-site pages or any other site linked to or linking to this site and we make no warranty, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Your use of any off-site pages or other sites is at your own risk. We are not responsible for the content, accuracy, or availability of the information presented on those sites and we specifically disclaim any liability for any claim, damage, loss, or expense you may incur, directly or indirectly, as a result of your use of those sites. We further reserve the right to terminate a link to a third party site at any time.