1. Products and Services. The UA Website is an online informational website where you can research and compare information in a number of different ways. You understand and agree that if you submit a request for a member of UA to contact you, that you are automatically authorizing them to contact you and waiving all rights to any "Do Not Call List" you may be on.  You authorize UA to give your contact email and/or phone number to be contacted by a licensed mortgage consultant or bank that is a current member of UA.

You acknowledge that UA does not make loan or credit decisions in reply from one of our UA members.  We are not and do not represent ourselves to be a mortgage company and/or licensed broker in connection to our services.  UA is not a party to any agreement that you may make with any of our UA members or anyone else on this site through our UA Forum.  You understand that all services through our UA members are solely responsible for your loan and anything that may happen.  You also shall acknowledge that UA is not acting as your agent or broker and is not recommending any kind of loan products, or clients to you what so ever.  UA does not charge anyone a fee to use this website except what our affiliates charge on certain products or services that are or have been advertised.  Lastly, you give UA permission to send you periodic updates of current information by mail/via email which may be of interest to you.

2. Use of the UA Website and Service. You certify to UA that you are at least eighteen (18) years of age, you assume full responsibility for the use of the Service by any minors; you agree that all information you have submitted to UA, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the UA Website or Service; and that your use of the Service is subject to all applicable federal, state, and local laws and regulations.

3. Prohibited Conduct. You shall not submit anything offensive, hack into our systems, software or any other installized products towards and/or against our services.  Any such activities against UA will be prosecuted and dealt with in a rightful and lawful manner through all city, state, federal restrictions, laws, fees and all penalties that are applied.

We are committed to the protection of your personal information. Our Privacy And Protection Policy contains the following important information regarding your use of our web site :

By submitting your request, you grant permission for up to 4 of our Premier Partners to contact you by phone even if you are on the Do Not Call Registry. SecureRights, VeriSign Secured, GeoTrust and RapidSSL helps collect and transfer your information securely to complete your request. By submitting your request you agree to SecureRights', VeriSign Secured, GeoTrust and RapidSSL labels. When you visit our web site, you are encouraged to carefully read the information provided. This includes certain information about services offered which may have separate terms of use and privacy information.

Our web site consists of many pages and services. These are offered on many different web addresses (known as ‘domains’) and are identifiable by our logos and page content. Information provided may be subject to change from time to time so we encourage you to check our online policies and this document regularly