Terms Of Use.

Your use of the Midwest Loan Services website (the “Website”) and any pages therein constitutes your agreement to all of the following terms, conditions and notices (“Terms of Use”). If you do not agree with these Terms of Use, your sole remedy is to discontinue using this Website.

Copyright Notices
With the exception of some graphic images used within this Website that are copyrighted by iStockphoto.com, the works of authorship contained in the Midwest Loan Services Website, including, but not limited to, all design, text, sound recordings and images, are owned by Midwest Loan Services or its parent company, unless otherwise expressly stated. The content on the Website 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 Midwest Loan Services’ 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 notice of Midwest Loan Services’ proprietary rights.

Trademark Notices
“Midwest Loan Services” and other words or symbols used on this website to identify Midwest Loan Services’ services are trademarks and service marks of University Bancorp. The display of these trademarks does not imply that a license of any kind has been granted to the user. Any downloading, re-transmission, other copying or modifications or use of the trademarks and other information and material contained in the Website may be a violation of federal trademark and copyright laws. Other featured words or symbols used on this Website to identify other parties’ goods and services may be trademarks or service marks of those other parties and the user’s use may be a violation of federal trademark and copyright laws.

Patent Notices
University Bank, parent company of Midwest Loan Services, owns U.S. Patent Number 7,983,967.

Web Content and Materials
The information on this Website is for information purposes only. Midwest Loan Services does not warrant its completeness or accuracy. The information on this Website is not intended as an offer or solicitation for the purchase of University Bank stock or any financial instrument.  The information contained in this Website, including any policies or procedures, are intended as general guidance, and except as expressly provided in this Website, they do not constitute a contract with the user or amend or alter any contract we have with the user.

The information and materials contained in this Website and the terms and conditions of access to and use of such information and materials may be deleted, changed, amended or added at any time and without notice to the user unless notice is expressly provided for specific services contained in this Website. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to Midwest Loan Services’ final determination and acceptance.

This Website is not intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to its local law or regulation.

You are responsible for internet connectivity and any computer hardware, software or other equipment necessary to access this Website.

MIDWEST LOAN SERVICES OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND MIDWEST LOAN SERVICES DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. MIDWEST LOAN SERVICES RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEB OFFERINGS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO SOLICITATION IS MADE BY MIDWEST LOAN SERVICES TO ANY PERSON TO USE SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Submission
Information submit to this Website becomes property of Midwest Loan Services. Midwest Loan Services shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose including developing, producing and marketing products. Any information sent to Midwest Loan Services must be truthful, not violate the rights of others and be legal. See Midwest Loan Service’s Privacy Notice for additional information.

LIMITATION OF LIABILITY
THIS WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THIS WEBSITE) IS PROVIDED “AS IS” AND “AS AVAILABLE.” MIDWEST LOAN SERVICES AND ITS PARENT COMPANY, UNVIVERSITY BANK,ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THIS WEBSITE. MIDWEST LOAN SERVICES AND UNIVERSITY BANK DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THIS WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE OR FITNESS FOR A PARTICULAR PURPOSE. MIDWEST LOAN SERVICES AND UNIVERSITY BANK DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THIS WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING MIDWEST LOAN SERVICES AND UNIVERSITY BANK’S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL MIDWEST LOAN SERVICES OR UNIVERSITY BANK BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THIS WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER MIDWEST LOAN SERVICES OR UNIVERSITY BANK HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE.

Links to Other Sites
Links to non-Midwest Loan Services websites are provided solely as pointers to information on topics that may be useful to users of the Midwest Loan Services Website and Midwest Loan Services has no control over the content on such non-Midwest Loan Services websites. If you choose to link to a website not controlled by Midwest Loan Services, Midwest Loan Services makes no warranties, either express or implied, concerning the content of such websites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Midwest Loan Services warrant that such websites or content is free from any claims of copyright infringement, trademark infringement or other infringement of the rights of third parties or that such website or content is devoid of viruses or other contamination. Midwest Loan Services does not guarantee the authenticity of documents on the Internet. Links to non-Midwest Loan Services websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites. Midwest Loan Services is not responsible for web casting, the placement of “cookies” or any other form of transmission received from any linked website. Midwest Loan Services provides these links to you only as a convenience and the inclusion of any link does not imply endorsement by Midwest Loan Services of the link.

Governing Law and Venue
The user’s access to and use of this Website and these Terms of Use shall be construed and enforced in accordance with the laws of the State of Michigan, without regard to conflict of laws principles, including interpretation, enforceability, validity and construction. The parties submit to the jurisdiction and venue of the circuit court for the County of Houghton, State of Michigan, with respect to any action arising, directly or indirectly, out of this Terms of Use or the performance or breach of access to and use of the Website and these Terms of Use.  The parties stipulate that the venue referenced in this Terms of Use is convenient.

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