Copyright
All contents of this Web site are designed for Carmel Mortgage, PO Box 222520, Carmel, CA, 93922, and are copyrighted © 1999-2010 to MORSystems™, 200 Clock Tower Place, Suite E-150 Carmel California 93923, U.S.A. All rights reserved worldwide.

Indemnity Statement
As a condition of use of this Web site, the User agrees to indemnify us and its suppliers from and against any and all liabilities, expenses (including attorneys' and experts' charges) and damages arising out of claims resulting from User's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

General:
We reserve the right to make any and all changes to this Web site at its sole discretion without notice to the User.

This Agreement includes ail other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, this Agreement controls.

This Agreement is governed by the laws of our State. User consents to the exclusive jurisdiction and venue of the governing courts in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

Our performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of our right to comply with law enforcement requests or requirements relating to the User's use of this Web site or information provided to or gathered from us with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, the invalid or unenforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire Agreement between the User and our company with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and our company with respect to this Web site. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to the Agreement to the same extent and subject to the same conditions as other business documents, and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.