(Effective as of: September 13, 2022)
PLEASE READ THESE TERMS OF SERVICE (“AGREEMENT”) CAREFULLY. BY ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU AGREE TO BE BOUND BY THIS AGREEMENT AND ALL TERMS INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES.
THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION OF DISPUTES PROVISION IN SECTION 15 THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.
This Agreement is a legal agreement that governs our relationship with users and others that interact with Modex, Inc. and our subsidiaries and affiliates (“Modex,” “we,” or “us”) in connection with the use of Modex websites (including www.modexconnect.com and any other websites where these terms are posted) (the “Sites”) and our Services (as defined below). Modex currently makes services, products and features available through our Sites and applications (the Sites, the applications and all products, services and features provided by Modex in connection therewith are referred to collectively as, the “Services”). Modex may offer additional services or products or modify or revise any of the Services at our discretion, and this Agreement will apply to all additional services or products and all modified or revised Services unless otherwise indicated. Modex also reserves the right to cease offering any of the Services. You agree that Modex will not be liable to you or any third party for any modification, revision, suspension or discontinuance of any of the Services.
This Agreement and any policy or guideline of the Services may be modified by Modex in its sole discretion at any time, with or without notice. When we change the Agreement, we will update the “last revised” date at the top of this page. Unless otherwise indicated, any changes or modifications will be effective immediately upon posting the revisions to the Sites or Services, and your use of the Services after such posting will constitute acceptance by you of the revised Agreement. As a result, you should frequently review this Agreement and all applicable terms and policies to understand the terms that apply to your use of the Services. If you do not agree to the amended terms, you must stop using the Services.
We may at times require that you register and/or set up an account to use certain portions of the Site, the Site as a whole, or the Services (“Modex Account”). For example, you must be a registered user of the Site if you are a Mortgage Loan Officer (“LO”) who desires to use Modex’s services to anonymously pursue employment opportunities with banks, mortgage banks, and mortgage brokerage firms (“Employers”), make changes to your profile, view certain content, etc. (“Members”). Visitors who merely browse the Site are not currently required to register. In this Agreement, Members, Employers and all other users of the Services are collectively referred to as “users”. In order to register, you will be provided, or be required to choose, a password and user ID, and will be required to provide other registration information, including, but not limited to personal information such as employment and compensation history and educational information, depending on the kinds of Services that you choose to obtain from the Site (collectively, “Registration Information”). You agree and represent that all Registration Information provided by you is accurate and up-to-date. If any of your Registration Information changes, you must update it in your Modex Account. In addition, Modex may collect information about your from publicly available websites and may use this information to add to your profile.
Members may create only one Modex Account for use of the Services. If Modex believes that the Registration Information you provide is not correct, current, or complete, or that you have created more than one Modex Account, Modex reserves the right to refuse you access to the Services, and to terminate or suspend your Modex Account at any time. However, Modex has no obligation to verify the accuracy, currency, completeness, or usefulness of any Registration Information that you have provided.
You understand that you are responsible for maintaining the confidentiality of the username and password of your Modex Account, and you are fully responsible for all activities that occur under your Modex Account. You agree (i) to immediately notify Modex if you suspect any unauthorized use of your Modex Account (including username or password) or any other breach of security, (ii) to ensure that you exit from your Modex Account at the end of each session, (iii) not to use the account, profile, username or password of any other user or Member and (iv) to use particular caution when accessing your Modex Account from a public or shared computer so that others are not able to view or record your password or other personal information. You acknowledge that Modex is not responsible for any loss or damage arising from the theft or misappropriation of your username or password. Modex recommends that you use a strong password for your Modex Account, never use the same password on multiple sites or services and change your password frequently.
Because the Services are provided electronically, you must consent to Modex’s providing important information electronically if you wish to use the Services. You consent to being provided with this Agreement, notices, disclosures, information, policies and other materials in electronic form (collectively “Electronic Records”), rather than in paper form. Your consent to receive Electronic Records applies to all notices, disclosures, documents, records or other materials of any kind that Modex may be required to provide to you. Electronic Records will be provided on our Services or sent to the email address associated with your Modex Account, or posted in your Modex Account, if you are a Member.
You may withdraw your consent to receive Electronic Records by contacting us in writing at the address provided above. However, the Services provided by Modex are only available if you agree to receive Electronic Records, and you understand that withdrawing such consent will result in your Modex Account being deactivated.
By accessing or using the Services, you represent and warrant that: (i) you are at least 18 years old; (ii) you have not previously been suspended or removed from the Services; (iii) you have the right, authority and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement; (iv) you are not a competitor of Modex and are not using the Services for reasons that are in competition with Modex or other than for their intended purpose; and (v) you are not located in, under the control of, or a national or resident of any country which the United States has (a) embargoed, (b) identified as a “Specially Designated National” or (c) placed on the Commerce Department’s Table of Deny Orders.
Exclusive Use. You will only use the Services for your sole personal use and not in connection with any commercial endeavors. You will not authorize others to use the Services or otherwise attempt to transfer your right to use the Services to any other person or entity.
No Commercial Solicitation or Advertising. You will not engage in any advertising or solicitation to buy or sell any products or services through the use of the Services and you will not transmit any chain letters, junk or spam email to other users. Additionally, you will not use any information obtained from the Services in order to contact, advertise to, solicit or sell to any user without their prior explicit consent.
User Conduct. You agree not to do any of the following in connection with the Services or the users thereof:
Violations. You understand and agree that if Modex believes in its sole discretion that you have violated the terms of this Agreement, misused the Services or behaved in a way that could be regarded as inappropriate, unlawful, or illegal, Modex may, among other things, investigate, take legal action against you and/or terminate your Modex Account.
Reporting Violations. If you wish to report any violation of this Agreement by others, you may do so by contacting us at [email protected].
Responsibility for User Content. You are solely responsible for the content and information that you provide, publish, transmit, display or otherwise communicate to Modex through the Services or to other users (collectively referred to as “post”), including without limitation messages, data, text, photos, video, music, graphics, links or other materials (your submissions and those of other users, collectively, are “User Content”). Modex does not control, take responsibility for or assume liability for any User Content posted by you or any third party, or for any loss or damage thereto or arising therefrom.
Accuracy of Information. You will not provide any inaccurate, misleading, incomplete or false information or User Content to Modex or to any other user.
No Duty to Review User Content. Although you understand and acknowledge that Modex has no duty to prescreen, review, control, monitor or edit the User Content posted by users and is not liable for User Content that is provided by others, you agree that Modex may, at its sole discretion, review, edit, refuse to accept or delete User Content at any time and for any reason or no reason without notice, and you are solely responsible for creating backup copies and replacing any User Content you post or store on the Services at your sole cost and expense.
Use of Proprietary Information of Others. You will not post, copy, transfer, create any derivative works from, distribute, reproduce or show in any manner any copyrighted or trademarked or other proprietary information or materials, including any User Content posted by other users, without the prior consent of the owner of such proprietary rights. You acknowledge that information or materials available through the Services may have copyright protection whether or not it is identified as being copyrighted.
Prohibited Content. You will not post, transmit or deliver to any other user, either directly or indirectly, any User Content that violates any third-party rights or any applicable law, rule or regulation or is prohibited under this Agreement or any other Modex policy governing your use of the Services (“Prohibited Content”). Prohibited Content includes without limitation User Content that:
Site Content. Except for your User Content, the Service and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, designs, illustrations, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, information, data, other files and the arrangement thereof and User Content belonging to other users (the “Site Content”), and all intellectual property rights related thereto, are the exclusive property of Modex and its licensors (including other users who post User Content to the Service). Site Content includes all data and metrics derived or gathered from users’ use of the Services. Except as explicitly provided herein, nothing in this Agreement will be deemed to create a license in or under any such intellectual property rights of Modex.
Limited License. You are granted a limited, non-sublicensable license to access and use the Services during the term of this Agreement, subject to the terms and conditions of this Agreement and Third-Party Terms (defined below). You agree that you will not:
Any use of the Services or Site Content other than as expressly authorized herein, without the prior written consent of Modex, is strictly prohibited and will violate and terminate the license granted herein. Such unauthorized use may also violate applicable laws, including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in this Agreement will be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. Modex reserves all rights not expressly granted herein in the Services and the Site Content. This license is revocable at any time.
Feedback. Modex welcomes and encourages feedback, comments, and suggestions for improvements to the Services (“Feedback”). You may submit Feedback by using the feedback tools that may be built into our Services, or by emailing us at [email protected]. By submitting Feedback, you agree all Feedback becomes our exclusive property. Additionally, you irrevocably assign to us your complete rights, titles, and interests in and to Feedback, including any and all intellectual property rights contained therein. Moreover, at Modex’s request and expense, you agree to execute documents and take such further action as we may reasonably request to assist us in acquiring, perfecting, or maintaining subject intellectual property rights.
If you are a copyright owner or an agent thereof and believe that anything on the Sites infringes upon your copyrights, you may submit a notification of infringement pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the material that you claim is infringing is located on our website (please include URLs to help us identify the material); (iv) your address, telephone number, and email address; (v) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. Modex’s designated Copyright Agent to receive notifications of claimed infringement is:
UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY AND CIVIL PENALTIES, INCLUDING MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS’ FEES.
Please note that this procedure is exclusively for notifying Modex and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with Modex’s rights and obligations under the DMCA, including 17 U.S.C. §512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.
“Modex”, Modex’s logos and any other trade name or slogan contained in the Services are trademarks or service marks of Modex, its partners or its licensors and may not be copied, imitated or used, in whole or in part, without the prior written consent of Modex or the applicable trademark holder. In addition, the look and feel of the Services, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Modex and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Services are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.
Modex may provide third-party content on the Services and may provide links to web pages and content of third parties (collectively the “Third-Party Content”) as a service to those interested in this information. Modex does not control, endorse or adopt any Third-Party Content and makes no representations or warranties of any kind regarding the Third-Party Content, including without limitation regarding its accuracy or completeness. You acknowledge and agree that Modex is not responsible or liable in any manner for any Third-Party Content and undertakes no responsibility to update or review any Third-Party Content. Users use such Third-Party Content contained therein at their own risk.
Additionally, if you follow a link or otherwise navigate away from the Services, please be aware that this Agreement will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any third party services provider to which you navigate from the Services. You access and use third party services at your own risk.
Some Third-Party Content and access to third party services is subject to additional terms and restrictions (“Third Party Terms”). In the event of a conflict between this Agreement and any Third Party Terms, the Third Party Terms will govern and control. Third Party Terms can be found on the following page: Third Party Terms.
You may access and use certain features of the Services using certain mobile devices (the “Mobile Services”). Your access and use of the Mobile Services is subject to the terms and conditions of this Agreement. Please note that by accessing or using the Mobile Services, your carrier’s normal rates and fees, such as standard data rates, still apply and you are solely responsible for the payment of those fees.
EXCEPT AS DESCRIBED ABOVE, THE SITE, SERVICES, SITE CONTENT AND THIRD-PARTY CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. MODEX EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, GUARANTEES AND CONDITIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT OR NON-INFRINGEMENT OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE. YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTING DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT MAY ARISE FROM YOUR USE OF THE SITE, SERVICES, SITE CONTENT AND THIRD-PARTY CONTENT.
MODEX MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS REGARDING THE COMPLETENESS, ACCURACY, AVAILABILITY OR APPROPRIATENESS OF THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT OR THEIR USEFULNESS FOR YOUR PURPOSES. FOR GREATER CLARITY, MODEX DOES NOT REPRESENT OR WARRANT THAT (I) THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT WILL BE UNINTERRUPTED, RELIABLE, ACCURATE, COMPLETE, SUITABLE, VALID, TRUTHFUL, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS IN ANY WAY; (II) ANY DEFECTS IN THE SITE CONTENT OR THIRD-PARTY CONTENT WILL BE CORRECTED, OR THAT THIS SITE, THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (III) THE USE OF THE SITE, SERVICES, SITE CONTENT AND THIRD-PARTY CONTENT WILL BE TIMELY, SECURE, OR ERROR-FREE; (IV) THE RESULTS THAT MAY BE OBTAINED FROM YOUR USE OF THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT WILL BE ACCURATE, BENEFICIAL OR RELIABLE; OR (V) THE QUALITY OF THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT WILL MEET YOUR EXPECTATIONS. THE SITE CONTENT AND THIRD-PARTY CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND MODEX MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME.
IN NO EVENT WILL MODEX, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, THIRD PARTY PROVIDERS, AGENTS OR ADVISORS BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOSS OF INCOME, LOSS OF ANTICIPATED SALES, LOSS OF OPPORTUNITIES, BUSINESS INTERRUPTION, DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES OR OTHER ECONOMIC LOSS ARISING FROM: (I) YOUR USE OR INABILITY TO USE THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT OR ANY SITE TO WHICH YOU HYPERLINK FROM THE SITE; (II) ANY THIRD PARTY CLAIMS THAT THE USE BY YOU OF THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT VIOLATES ANY THIRD PARTY INTELLECTUAL PROPERTY RIGHT OR PRIVACY RIGHT; (III) ANY FAILURE OF PERFORMANCE OF THE SITE, SERVICES, SITE CONTENT OR THIRD-PARTY CONTENT, WHETHER RELATED TO ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUSES OR LINE FAILURE; (IV) ANY DAMAGES ARISING FROM COMMUNICATIONS OR TRANSACTIONS WITH OTHER USERS OF THE SITE, OR PERSONS THAT YOU MEET THROUGH THE SITE OR (V) ANY OTHER MATTERS RELATING TO THE SITE, SERVICES, SITE CONTENT, USER CONTENT OR THIRD-PARTY CONTENT, BASED IN CONTRACT, NEGLIGENCE, STRICT LIABILITY, FUNDAMENTAL BREACH, FAILURE OF ESSENTIAL PURPOSE OR OTHERWISE, WHETHER OR NOT SUCH MODEX HAD ANY KNOWLEDGE, ACTUAL OR CONSTRUCTIVE, THAT YOU MIGHT INCUR SUCH DAMAGES.
MEMBERS FURTHER UNDERSTAND AND AGREE THAT MODEX (I) DOES NOT WARRANT THAT YOU WILL RECEIVE ANY EMPLOYMENT OFFERS THROUGH THE SITE; AND (II) WILL NOT BE RESPONSIBLE FOR ANY EMPLOYMENT OFFERS, EMPLOYMENT SCREENINGS, HIRING DECISIONS, OR ANY ACTUAL EMPLOYMENT OPPORTUNITIES PRESENTED BY EMPLOYERS. MEMBERS MUST USE THEIR OWN JUDGMENT, CAUTION, AND COMMON SENSE IN EVALUATING AND/OR ACTING UPON ANY EMPLOYMENT OPPORTUNITIES AVAILABLE THROUGH THIS SITE.
MODEX EXPRESSLY DISCLAIMS ANY AND ALL SUCH ABOVE REPRESENTATIONS, WARRANTIES AND CONDITIONS TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR CONDITIONS OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS,
EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS AND IN SUCH EVENT, MODEX’S AGGREGATE LIABILITY TO YOU FOR ANY DAMAGES WILL NOT EXCEED US$1,000.00.
You agree to defend, indemnify and hold Modex, its subsidiaries and affiliates, and each of their directors, officers, managers, agents, contractors, partners and employees harmless from any losses, liabilities, damages, costs, debts, expenses or demand, including reasonable attorney’s fees, arising out of or resulting from (i) your use of or access to the Services, including any data or content transmitted or received by you, or your inability to use the Services; (ii) any of your User Content or any User Content that is submitted via your Modex Account; (iii) your conduct in connection with the Services or our users; (iv) your violation of any of the terms of this Agreement, including without limitation your breach of any of the representations and warranties above or breach of any Third-Party Terms; (v) your violation of any rights of a third party, including without limitation any right of privacy or intellectual property rights; (vi) any other party’s access and use of the Services with your unique username, password or other appropriate security code; or (viii) your violation of any applicable laws, rules or regulations.
Our goal is to resolve any disputes amicably and quickly and we encourage you to contact us and explain your complaint as soon as it arises.
If you have any questions or concerns about the Services or this Agreement, you may contact us at [email protected].