Terms & Conditions
This website is owned and operated by Positive Reply Inc., 1230-5 Madera Rd. Suite 104 Simi Valley, California, 93065.
Uses of this Web Site
This Web site is an online marketplace where you can research and compare offers in a number of different categories and is intended for personal, non-commercial use. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site are provided with the understanding that Positive Reply is not a banker, broker, or lender (Service Provider) and does not make loans, loan commitments or lock-rates. All loan decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the lenders that participate in our service and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms.
There is no cost to submit a loan offer request, or to get matched with lenders and receive conditional loan offers on the Positive Reply Web sites. You may shop for offers with Positive Reply at no cost. You may review the conditional free loan offers from lenders and talk to the lenders at no cost. If after receiving your free offer you choose to work with a lender from our network to process a loan request, the lender you choose may require a fee to process a loan request. You have the option to agree or not agree to pay the lender a fee and accept their services. You will not be charged a fee of any kind from the lender until you agree to accept their services. The information provided by you to us is not an application for a mortgage loan nor it is used to pre-qualify you with any lender. Rates are subject to change. Positive Reply is not acting as a lender or a broker (“Service Provider”).
Positive Reply reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Web site and to suspend and/or deny access to this Web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and Positive Reply does not undertake any obligation or responsibility to update or amend any such information. Positive Reply may discontinue or change any product or service described in or offered on this Web site at any time.
Personal and Noncommercial Use Limitation:
You may access, download and print materials on this Site for your personal and non-commercial use. Use the information to obtain the right loan and the best terms for your particular situation from your preferred provider.
You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without Positive Replys prior written approval. You may not use this Web site in any manner that could damage, disable, overburden, or impair any Positive Reply site or service or interfere with any other party’s use and enjoyment of any Positive Reply site or service. If and when requested by Positive Reply, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity.
No Minor Use
This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited.
No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to Positive Reply, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by Positive Reply. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of Positive Reply. All rights reserved.
Links to Third Party Sites
During your use of this website or at any time in the process, you may be led to other web sites operated by unaffiliated parties. Inclusion of hyperlinks by Positive Reply to web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. Positive Reply is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. Positive Reply is not responsible for the use of the information that you give any third parties.
You use this Site at your own risk. If your use of this Site or the materials therein, and it results in costs accrued, damages to you, your computer, your property, requires maintenance, requires software downloads, the need for servicing or replacing property, equipment or data, Positive Reply will not be responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. POSITIVE REPLY, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL POSITIVE REPLY, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF POSITIVE REPLY, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
Changes to this Agreement
Positive Reply may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by Positive Reply, to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Positive Reply, and you related to this Agreement shall be brought exclusively in federal district court.
Use within the United States
This website is intended to be accessed by persons located within the United States of America. Access and use of this website by persons from locations other than the United States is prohibited. Indemnification
You agree to indemnify, defend and hold harmless Positive Reply, its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation of this Agreement.
Electronic Communications/Notices and Information Delivered Electronically
Positive Reply Inc. and the Positive Reply Network, Lenders, Providers and real estate companies may choose to electronically deliver all information related to its services and your requests. Positive Reply Inc. and the Positive Reply Network of Lenders, Providers and real estate companies’ electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Positive Reply Network of Lenders, Providers and real estate companies.
You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Positive Reply Inc. and the Positive Reply Network, Lenders, Providers and real estate companies. This means that Positive Reply Inc. and the Positive Reply Network, Lenders, Providers and real estate companies may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers and real estate companies or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.
To access and retain information and notices we send or make available to you electronically, you will need: • Internet access with 128-bit encryption • Adobe Acrobat Reader 6 or higher • Ability to Print Internet Explorer 6 or higher • Netscape 8.04 and above (Use in IE mode) • Email Access or Firefox version 1.5
You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Positive Reply Inc Customer Service at by emailing firstname.lastname@example.org