TERMS OF SERVICE AND CONDITIONS OF USE

St. James Mortgage Company, LLC, its subsidiaries and affiliates (referred to throughout these terms of use as "St. James," unless the context clearly requires otherwise), have created this web site to provide information to its users. St. James is not liable to users for any damage resulting from use of its web site, nor is St. James in any way responsible for the conduct of its users, or information exchanged on its web site. If, through your use of our web site, you believe you have been the victim of a crime or other illegal activity, please contact the appropriate authorities. By accessing and remaining on this web site, printing or downloading materials from this site, purchasing products, signing up to receive more information, or using this site in any manner, you as the "User" agree to the Terms of Service and Conditions for Use set forth herein and on the links identified below (collectively the "Terms of Use").

Information on this web site may contain inaccuracies or typographical errors. Information may be changed or updated without notice. This web site does not constitute an offer or contract.

St. James makes no representations whatsoever about other web sites that you may access through this one. When you access a non-St. James web site, please understand that it is independent from St. James, and that St. James has no control over the content on that web site. In addition, a link to a non-St. James web site does not mean that St. James endorses or accepts any responsibility for the content, use, or products and services made available through such web site.

IN NO EVENT WILL ST. JAMES BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

INFORMATION ON THIS WEB SITE IS PROVIDED "AS-IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSIONS OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Anyone who prints, downloads, copies or otherwise communicates information from this web site is responsible for communicating these Terms of Use to the person(s) to whom such information is communicated; and further agrees to hold St. James harmless against any and all claims arising out of or in connection with their failure to abide by these Terms of Use.

Entire Agreement - These Terms of Use, including the terms set forth under the additional pages linked below, constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms of Use will be effective only if in writing and signed by St. James.