Terms of Use

Welcome to ReaGenius, By using ReaGenius Powered Web sites (defined to include all properties (mobile, Web or otherwise) Powered by ReaGenius), related data, and/or related services (collectively, "Services"), you agree to be bound by the following terms of use, as updated from time to time ("Terms of Use").

Permissible Use. Unless you are a real estate or lending professional acting in your professional capacity, you agree to use the Services for your personal use, and your commercial use is limited to transactions done on your own behalf. The commercial use of real estate and lending professionals is limited to providing information to consumers via the Services or, where authorized, taking actions on behalf of a consumer client (e.g., post a home for sale). Without limitation, lending professionals and institutions are prohibited from using information provided by ReaGenius websites through the Services in making any loan- related decisions. The Services may be used only for transactions in residential real estate and may not be used for transactions in commercial real estate, which includes, without limitation, commercially zoned properties, timeshares, and vacation rentals. Subject to the restrictions set forth in the following paragraphs, you may copy information from the Services only as necessary for your personal use to view, save, print, fax and/or e-mail such information. You agree otherwise not to reproduce, modify, distribute, display or otherwise provide access to, create derivative works from, decompile, disassemble or reverse engineer any portion of the Services. In addition, you agree not to provide/post/authorize a link to any of the Services (including but not limited to your agent profile page) from a third party website that is not a real estate related website owned or operated by a real estate or lending professional or institution.

Restrictions and Additional Terms. You agree not to remove or modify any copyright or other intellectual property notices that appear in the Services. You will not use the Services for resale, service bureau, time-sharing or other similar purposes. Further:

Acceptable Use. You agree not to use the Services in any way that is unlawful, or harms ReaGenius its service providers, suppliers or any other user. You agree not to distribute or post spam, chain letters, pyramid schemes, or similar communications through the Services. You agree not to impersonate another person or misrepresent your affiliation with another person or entity. Except as expressly stated herein, these Terms of Use do not provide you a license to use, reproduce, distribute, display or provide access to any portion of the Services on third-party Web sites or otherwise. Except as expressly stated herein and without limitation, you agree that you will not, nor will you permit or encourage any third party to, reproduce, publicly display, or otherwise make accessible on or through any other Web site, application, or service any reviews, ratings, and/or profile information about real estate, lending, or other professionals, underlying images of or information about real estate listings, or other data or content available through the Services.

Automated Queries. Automated queries (including screen and database scraping, spiders, robots, crawlers and any other automated activity with the purpose of obtaining information from the Services) are strictly prohibited on the Services, unless you have received express written permission from ReaGenius. As a limited exception, publicly available search engines and similar Internet navigation tools ("Search Engines") may query the Services and provide an index with links to the Services' Web pages, only to the extent such unlicensed "fair use" is allowed by applicable copyright law. Search Engines are not permitted to query or search information protected by a security verification system ("captcha") which limits access to human users.

Google Maps. Some of the Services implement the Google Maps web mapping service. Your use of Google Maps is subject to Google's terms of use, located at http://www.google.com/intl/en_us/help/terms_maps.html Calls. If you, as a consumer, choose to contact a real estate agent or a Lender (as defined below) through the Services by filling out a contact or other request form on the Services, you authorize ReaGenius to provide your name and contact information and other identifying information you provide to the applicable real estate agent or Lender. Further, if you elect to request pre-approval from a Lender (as defined below) in connection with your contact with a real estate agent, you authorize ReaGenius to provide your name and contact information and other identifying information you provide to the participating Lender. You acknowledge that, by submitting your contact request or other request form on the Services or by electing to request pre-approval, you may receive telemarketing calls from or on behalf of the real estate agent or Lender at the telephone number(s) you provide.

The Services may provide phone numbers that can connect you with ReaGenius its service providers, or other third parties, such as real estate agents and Lenders. Some of the numbers listed may be routed through a third party service ("Calling Service"). Calls through the Calling Service may be recorded or monitored for quality assurance and customer service purposes.

Materials You Provide: Account Use; Privacy; Third Party Web Sites. For materials you post or otherwise provide to ReaGenius in connection with the Services (your "Submission"), you grant ReaGenius an irrevocable, perpetual, royalty-free worldwide license to (a) use, copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, modify, prepare derivative works of or incorporate into other works, and translate your Submission, in connection with the Services or in any other media, and (b) sublicense these rights, to the maximum extent permitted by applicable law. ReaGenius will not pay you for your Submission or to exercise any rights related to your Submission set forth in the preceding sentence. ReaGenius may remove or modify your Submission at any time. For each Submission, you agree to provide accurate and complete information and represent that you have all rights necessary to grant ReaGenius the rights in this paragraph, that ReaGenius 's use of the Submission will not infringe any third party rights and that the Submission complies with Section 2(a) above. You are solely responsible for all Submissions made through your user account(s) on the Services or that you otherwise make available through the Services. ReaGenius will not use client contact information that is uploaded by agents into the ReaGenius Agent Hub portal for any purpose. You may not share your user account(s) with others. You are responsible for all actions taken via your account. ReaGenius will treat your use of the Services in accordance with its Privacy Policy. Certain ReaGenius functionalities may involve the distribution of your Submission to third party Web sites over which ReaGenius has no control. ReaGenius is not responsible for and makes no warranties or representations pertaining to these third party Web sites, including but not limited to the content, availability, or functionality of such Web sites. You are responsible for ensuring that your Submission complies with the terms of use associated with any such third party Web site and you understand that your Submission and your use of a third party Web site will be treated in accordance with that third party Web site's own privacy policy.

Advertising. ReaGenius 's business is primarily funded through advertising. You understand and agree that the Services may include advertisements, and that these are necessary to support the Services. To help make the advertisements relevant and useful to you, ReaGenius may serve advertisements based on the information we collect from you or in relation to your interaction on our site.

The Role of ReaGenius is to power real estate agents websites and to gather inbound request forms for Mortgages and Moving Quotes. ReaGenius does not sell, buy, or negotiate the purchase, sale, or exchange of real property. Further, ReaGenius does not lease or rent, offer to lease or rent, or negotiate the lease of real property or otherwise aid or assist in the lease of real property. Mortgage Information Services. These terms apply specifically to the Services offered by ReaGenius :

Mortgages. ReaGenius, allows consumers to provide anonymous information to banks, lenders, financial institutions, originators, loan brokers, other mortgage professionals and their employees (collectively, the "Lenders") to request quotes on terms for home loans. Lenders may elect to respond to consumer requests with non-binding customized quotes of the terms they would offer to a borrower fitting the consumer's anonymous profile, as well as their contact information. These non-binding quotes are not intended to be official Loan Estimates as defined in the Real Estate Settlement Procedures Act. ReaGenius ,also allows consumers to provide certain information to Lenders and receive Lender contact information or request that Lenders pre-approve them for home loans. ReaGenius does NOT take mortgage applications. ReaGenius does NOT make loans or credit decisions in connection with loans. Any loan inquiry you submit is NOT an application for credit. ReaGenius does not pre-approve borrowers for loans. ReaGenius lists Lenders who may conduct a preliminary review to determine your loan qualifications based on their guidelines. To receive a pre-approval letter, you must complete a short online questionnaire that asks for personal information including income, credit score, and monthly debt. After completing the questionnaire, you may see an estimated pre-approval amount based on the information you provided. To continue the process of requesting a pre- approval letter, a Lender will require more details, such as pulling your credit report (at your request). If you meet the Lender's guidelines based on preliminary review of your responses to the questionnaire and your credit report, you may receive an online pre-approval letter. A pre-approval letter is not an offer to lend, a commitment to make a loan, or a guarantee of specific rates or terms. Even if you receive a pre-approval letter, you may not get a loan from a Lender or a loan at a specific rate or subject to particular terms. A Lender may require income and asset verification, as well as satisfaction of other conditions, before they commit to extending a loan. ReaGenius, does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender—loan approval standards are established and maintained solely by individual Lenders. ReaGenius does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. When consumers submit the required information for a Lender to contact them or when consumers request pre-approval from a participating Lender, Lenders may elect to respond based on parameters established by the Lender and will create a contact for the selected Lender based on parameters established by the Lender. If you, as a consumer, choose to contact a Lender through the Form offered by ReaGenius ,by filling out a contact request or other request form or by completing a questionnaire on websites associated with these Services, you authorize ReaGenius to provide your name, contact information and other information you provide to a Lender, along with your quote or pre- approval request (if any). You acknowledge that, by submitting your contact request, other request form or by completing a questionnaire on the Services, you may receive telemarketing calls from or on behalf of a Lender at the telephone number(s) you provide. By submitting your name, contact information and other information, your identity will no longer be anonymous. Any loan or other business conducted is between you and the Lender. By submitting personal information through forms offered through ReaGenius, you authorize, Lenders (or a third party designated by a Lender) to request from one or multiple credit bureaus / reporting agencies, your credit bureau report including any ancillary credit scores or ratings.

The Role of ReaGenius. Disclaimer. ReaGenius is not a Lender, loan originator, loan processor, or underwriter. ReaGenius does not aid or assist borrowers in obtaining loans, solicit borrowers or Lenders for loans, offer or negotiate terms of loans, or make loans or credit decisions in connection with loans. ReaGenius does not take applications for credit or issue pre-approval letters. Your submission of information and any request for quotes or pre-approval is not an application for credit. ReaGenius does not endorse, refer or recommend any Lender or the products of any Lender. Consumers should rely on their own judgment in deciding which available loan product, terms and Lender best suit their needs and financial means. Nothing contained in the Services is an offer to lend or a commitment for a loan, and ReaGenius does not guarantee any specific loan terms and conditions offered to consumers by a Lender will be granted, or that consumers will be offered any type of loan by any Lender. ReaGenius is not an agent of either any consumer or any Lender. ReaGenius is only providing an administrative service to consumers and participating Lenders. Decisions regarding Lenders contacting consumers or pre-approval requests are made by participating Lenders and not ReaGenius . ReaGenius assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services, including ReaGenius, and any other information available there. Interest rates provided through the Services are for information purposes only, and actual interest rates may vary. Lenders may keep consumer loan request information and any other information provided by ReaGenius or received by Lenders in processing a contact or pre-approval request, whether or not a consumer is qualified for a loan with a Lender.

Fees. The Services offered by ReaGenius are free to consumers. ReaGenius , is paid an advertising fee by Lenders for the goods, facilities and services provided through the Services offered by ReaGenius . Participating Lenders. The Lenders participating on the Services are solely responsible for their services to consumers. ReaGenius shall not be liable for any damages or costs of any type arising out of or in any way connected with any consumers' use of the Services or the services offered by Lenders. ReaGenius is not responsible for any errors or delays caused by consumers or any Lenders in the loan process. ReaGenius reserves the right, at any time and in its sole discretion, to discontinue, suspend, or terminate the participation of any Lender or other user from using or participating in any of the Services offered by ReaGenius . Privacy. ReaGenius may use personally identifying information provided by a consumer to improve the relevance of advertising shown to consumers.Privacy Policy

REAgenius Privacy Policy - We at REAgenius, (“Company,” “we,” “us,” “our”) know that our users (“you,” “your”) care about how your personal information is used and shared, and we take your privacy seriously. Please read the following to learn more about our Privacy Policy. By visiting or using the Website or Services in any manner, you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the following ways. Any capitalized terms used herein without definition shall have the meaning given to them in the Company Terms of Use http://www.REAgenius.com/ terms.html

I. What Does This Privacy Policy Cover? This Privacy Policy covers our treatment of personally identifiable information (“Personal Information”) that we gather when you are accessing or using our Website. This policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage. We do not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register for the Services (as that term is defined in our Terms of Use). If you are under 13, please do not attempt to register for the Services or send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 13 may provide any personal information to us or on the Services. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at [email protected]

II. What Information Does REAgenius, Inc Collect? We gather various types of Personal Information from our users, as explained more fully below. We may use this Personal Information to personalize and improve our services, to allow our users to set up a user account and profile, to contact users, to fulfill your requests for certain products and services, to analyze how users utilize the Website, and as otherwise set forth in this Privacy Policy. We may share certain types of Personal Information with third parties. We collect the following types of information:

A. Information You Provide to Us: We receive and store any information you knowingly provide to us. For example, we collect Personal Information such as your name, request forms for services, email address, phone number, browser information, and third-party account credentials (for example, your log-in credentials for Facebook or other third party sites). If you provide your third-party account credentials to us, you understand some content and/or information in those accounts (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and this Privacy Policy covers that Third Party Account Information transmitted to our Website. You can choose not to provide us with certain information, but then you may not be able to register with us or to take advantage of some of our features. We may anonymize your Personal Information so that you cannot be individually identified, and provide that information to our partners.

B. E-mail and Other Communications: We may contact you, by email or other means; for example, we may send you promotional offers on behalf of other businesses, or communicate with you about your use of the Website. If you do not want to receive email or other mail from us, please indicate your preference by emailing us at [email protected] Please note that if you do not want to receive legal notices from us, those legal notices will still govern your use of the Website, and you are responsible for reviewing such legal notices for changes. III. Will REAgenius, LLC. Share any of the Personal Information it receives? We neither rent nor sell your Personal Information in personally identifiable form to anyone. We share your Personal Information in personally identifiable form with third parties as described below.

A. Affiliated Businesses and Third Party Websites We Do Not Control: In certain situations, businesses or third party websites we’re affiliated with may sell items or provide services to you through the Website (either alone or jointly with us). You can recognize when an affiliated business is associated with such a transaction or service, and we will share your Personal Information with that affiliated business only to the extent that it is related to such transaction or service. One such service may include the ability for you to automatically transmit Third Party Account Information to your Website profile or to automatically transmit information in your Website profile to your third party account. We have no control over the policies and practices of third party websites or businesses as to privacy or anything else, so if you choose to take part in any transaction or service relating to an affiliated website or business, please review all such business’ or websites’ policies.

B. Business Transfers: We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that would be transferred. Also, if we (or substantially all of our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, Personal Information would be one of the assets transferred to or acquired by a third party.

C. Protection of Company and Others: We reserve the right to access, read, preserve, and disclose any information that we reasonably believe is necessary to comply with law or court order; enforce or apply our conditions of use and other agreements; or protect the rights, property, or safety of Company, our employees, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

D. With Your Consent: Except as set forth above, you will be notified when your Personal Information may be shared with third parties in personally identifiable form, and will be able to prevent the sharing of this information.

E. Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of Personal Information, which we share with our affiliates and/or third parties for marketing purposes, and providing contact information for such affiliates and/or third parties. If you are a California resident and would like a copy of this notice, please submit a written request to: [email protected]

F. Changes to this Privacy Policy We may amend this Privacy Policy from time to time. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make changes in the way we use Personal Information, we will notify you by posting an announcement on our Website or sending you an email. You are bound by any changes to the Privacy Policy when you use the Website after such changes have been first posted. Questions or Concerns If you have any questions or concerns regarding our privacy policies, please send us a detailed message to [email protected], and we will try to resolve your concerns. Effective Date: December 1,2016

Disclosures and Consent. By using this website and Services, the disclosures and consent required under certain state laws are deemed to be provided, received, and agreed to.