The Columbus Mortgage Bankers Association (CMBA) provides its service to you, subject to the following Terms and Conditions of Service, which may be updated by us from time to time without notice to you. If you do not accept these terms and conditions, do not use this web site and service. By using this web site, you are indicating your acceptance to be bound by the terms of these Terms and Conditions. You should visit this page periodically to review the Terms and Conditions, because they are binding on you. The terms "You" and "User" as used herein refer to all individuals and/or entities accessing this web site for any reason. You understand and agree that the Service is provided "AS-IS" and that The Columbus Mortgage Bankers Association assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.

This web site is protected by the U.S. and foreign copyright laws. Except for informational, personal, non-commercial use as authorized below, you may not modify, reproduce, or distribute the design or layout of this Web site, or individual sections of the design or layout of the web site or CMBA logos, or any content or other materials on this Web site, without prior written permission from CMBA, unless otherwise indicated below. Copyright is not claimed as to any part of an original work prepared by a U.S. or state government office or employee as part of that person's official duties. All rights are reserved and content may not be reproduced, downloaded, disseminated, or transferred in any form or by any means, except with the prior written permission of CMBA or as indicated below. Users may download pages or other content for their own personal use on a single computer, but no part of such content may be otherwise or subsequently reproduced, downloaded, disseminated, or transferred, in any form or by any means, except with the prior written consent of The Columbus Mortgage Bankers Association

While CMBA makes every effort to present accurate and reliable information on this site, CMBA does not endorse, approve, or certify such information, nor does it guarantee its accuracy, completeness, efficacy, or timeliness. Reference herein to any commercial product, process, or service does not constitute or imply endorsement or recommendation by CMBA unless expressly stated. CMBA assumes no responsibility for consequences resulting from use of the information contained herein or obtained at linked sites and expressly disclaims all liability for damages arising out of use, reference to, reliance on, or performance of such information. CMBA specifically disclaims any liability, whether based in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential or special damages arising out of in any way connected with access to or use of this web site or any content,information, materials or services herein.

Any person using this web site consents to having their activities on this system monitored and recorded by systems personnel. If monitoring reveals possible evidence of illegal activity, system personnel may provide the evidence from such monitoring to CMBA administration and/or law enforcement officials. Any person using this system agrees to take any reasonable precaution to prevent unauthorized access to any passwords, user identification, logon identification or other information that may be used to access the system. Any person using this system agrees to treat all information within the system as proprietary or confidential information to CMBA, unless such information is specifically identified by CMBA as not proprietary or confidential.

The CMBA web site may provide, or third parties may provide, links to other World Wide Web sites or resources. Because CMBA has no control over such sites and resources, you acknowledge and agree that CMBA is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that CMBA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

The Internet is a public medium and electronic mail communication between user and CMBA via this Site is subject to the risk of being viewed by other parties. Accordingly, all users acknowledge that any transmissions of confidential or proprietary information to CMBA via electronic mail are at users' own risk.