Introduction and Agreement. This website (the “Site”) is owned and operated by Foreclosurefish.net, a division of Adama Companies, LLC (“Foreclosurefish.net”). These Terms of Service apply to the foreclosurefish.net web site. By using the Site, you hereby agree that you are at least eighteen (18) years of age and bound by all of the following provisions of these Terms of Service.
Foreclosurefish.net Is an Advertising and Foreclosure Research Service. Foreclosurefish.net operates the Site as an online advertising, information, and research service for Foreclosure victims, buyers, sellers and general information seekers. Foreclosurefish.net does not sell, refinance, or provide mitigation services for real estate directly and is never a party to any transaction between lenders, buyers and/or sellers. As a result, Foreclosurefish.net does not (a) guarantee or ensure any agreement or any transaction between a home owner and lender, buyer and seller, or any other type of agreement that may be the result of this website or Membership subscription. (b) collect or process payment, refinance, negotiate, or transfer ownership on behalf of home owners, buyers, or sellers.
Site Content. All information and content available on this Site (collectively, “Content”) is protected by copyright and other intellectual property laws. The Content is owned by Foreclosurefish.net, Adama Companies, LLC, and their respective licensors and suppliers (collectively, “Licensors”). The Content is intended for personal and noncommercial use only. While you may interact with or download a single copy of any portion of the Content for your personal and noncommercial entertainment, information or use, you may not reproduce, sell, publish, distribute, modify, display, perform, re-post or otherwise use any portion of the Content in any other way or for any other purpose without the prior written consent of Foreclosurefish.net.
Copyrights and Copyright Agents. It is the policy of Foreclosurefish.net to respond to claims of intellectual property infringement. Foreclosurefish.net will promptly process and investigate notices of alleged infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”) and other applicable intellectual property laws. Pursuant to the DMCA, notifications of claimed copyright infringement should be sent to: Adama Companies, LLC Attn: Copyright Infringement 1501 N. Magnolia Ave. Suite 2000 Chicago, IL 60622 USA Phone:8889644274 Fax: 312-224-0638 Email: [email protected] To be effective, the notification must be a written communication that includes the following: 1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; 2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; 3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; 4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an electronic mail address at which the complaining party may be contacted; 5. A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and 6. A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Trademarks. You acknowledge that the Content includes certain trademarks and service marks owned by Foreclosurefish.net, Affiliates, Licensors and others. You agree not to copy, use or otherwise infringe upon these trademarks or service marks. You further agree that you will not alter or remove any trademark, copyright or other notice from any copies of the Content. Software. Please note that all software programming, including without limitation all HTML and other code contained in this Site (collectively, “Software”), is owned by Foreclosurefish.net and/or its Licensors and is protected by copyright laws and other intellectual property laws, as well as international treaty provisions. Any unauthorized access to, reproduction, redistribution, publication, display or other use of the Software is expressly prohibited by law and may result in severe civil and/or criminal penalties. Violators will be prosecuted to the maximum extent possible. Linking. If you operate a website and wish to link to the Site, you must link to the Site’s home page unless permission otherwise has been granted in writing by Foreclosurefish.net. Foreclosurefish.net reserves the right to reject or terminate any links to the Content or the Site. User Materials. By submitting ads, content, photos, data or other materials (“Materials”) to the Site, you hereby grant to Foreclosurefish.net and its Affiliates a royalty-free, perpetual, irrevocable, nonexclusive, fully transferable, fully sublicensable right and license to copy, modify, display, distribute, perform, create derivative works from, and otherwise use and exploit all such Materials in any form, media, software or technology of any kind now existing or developed in the future. You further grant to Foreclosurefish.net and its Affiliates a royalty-free right and license to use your name, image and likeness in connection with the reproduction or distribution of the Materials. Interactive Forums. This Site may offer message boards, webblogs, bulletin boards, chat rooms, classified ads, or other forums (collectively, “Forums”) to give Users 18 years of age and older an interesting and stimulating forum in which they can express their opinions and share their ideas. Foreclosurefish.net and its Affiliates do not endorse the accuracy or reliability of any advice, opinion, statement or information posted on these Forums. Please use your best judgment, and be respectful of other individuals using these Forums. By posting a message in the Forum, you agree to abide by these Terms of Service. You may not use the Site’s Forums to engage in any Prohibited Activities (as defined below). Uploading copyrighted or other proprietary Material of any kind on the Site without the express permission of the owner of that Material is prohibited and may result in civil and/or criminal liability. Foreclosurefish.net Rights. Given the nature of the Site and the volume of messages and postings, Foreclosurefish.net cannot and does not monitor all of the Materials posted or transmitted by you and other third-party information providers. Foreclosurefish.net reserves the right, in its sole discretion, to monitor, refuse to publish, remove, delete, move or edit any Materials without notice, at any time for any reason. By using the Site, you expressly agree that Foreclosurefish.net (a) will not be liable to any claims, actions or judgments arising out of or related to any Materials and (b) may monitor, refuse to publish, remove, delete, move or edit any Materials without notice at any time for any reason, without liability and without providing a refund. Unsolicited Materials. Foreclosurefish.net does not accept unsolicited materials or ideas for use or publication in its programming or in other digital, electronic or print media except in connection with the Forums, chat rooms and bulletin boards on the Site. Foreclosurefish.net and the Affiliates shall not be responsible for the similarity of any of its content or programming in any media to Materials or ideas transmitted to the Site. Representations/Indemnity. You hereby represent and warrant that (a) you have all necessary authority, rights and permissions to submit the Materials to the Site, (b) the Materials do not and will not infringe or misappropriate any copyright, trademark, trade secret, patent or other intellectual property right of any third party, including any rights of privacy or publicity, and (c) the Materials do not and will not violate any applicable law or regulation including, but not limited to, any real estate advertising laws or regulations, or cause injury to any person. You agree to release, defend, indemnify and hold Foreclosurefish.net, its Affiliates, the Licensors, and their respective officers, directors, employees, agents and contractors harmless from and against any and all claims, costs, demands or expenses, including attorneys’ fees, arising from (i) any distribution, publication, refusal to publish, removal, deletion, movement, editing or other use of the Materials you provide, (ii) your use of the Site or any reliance on the Content, (iii) your breach of these Terms of Service or (iv) any actual, prospective or terminated sale or other transaction between you and a third party. Prohibited Activities. The following is a partial list of the kinds of activities that are prohibited on or through the Site: (a) submitting Material that is patently offensive to the online community, such as content that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; (b) engaging in activities or submitting Material that could be harmful to minors; (c) engaging in activity or submitting Material that harasses or advocates harassment of another person; (d) engaging in activity that involves the transmission of “junk mail” or unsolicited mass mailing or “spam” to Foreclosurefish.net Users or others; (e) engaging in activity or submitting Material, or promoting information, that is fraudulent, false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous; (f) submitting Material that contains restricted or password-only access pages, or hidden pages or images; (g) submitting Material that displays pornographic or sexually explicit material of any kind; (h) submitting Material that provides instructional information about illegal activities such as making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses; (i) engaging in activities or submitting Materials that solicit passwords or personally identifiable information for unlawful purposes from other Users; (j) engaging in commercial activities and/or sales without our prior written consent, such as contests, sweepstakes, barter, advertising and pyramid schemes; (k) using the Site’s lead forms and/or toll-free numbers to advertise or promote products and services to Foreclosurefish.net advertisers; (l) using any robot, spider or other automatic device, or a manual process, to monitor or copy web pages or the Content contained in the Site or for any other unauthorized purpose without our prior expressed written permission; (m) using any device, software or routine to interfere or attempt to interfere with the proper working of the Site; (n) decompiling, reverse engineering, disassembling or otherwise attempting to obtain the source code for the Software; or (o) taking any action that imposes an unreasonable or disproportionately large load on Foreclosurefish.net’s hardware and software infrastructure (collectively, “Prohibited Activities”). ForeclosureFish Membership Rules. By accessing the foreclosureFish “Members” section, advertising, or listing your property through the Site’s “Classifieds” software (the “classifieds”), or purchasing a ForeclosureFish Membership Subscription, you acknowledge and agree to all ForeclosureFish Membership Terms and Conditions, which are available immediately following these Terms of Service. ForeclosureFish Evaluation Request. By completing the ForeclosureFish evaluation request, your are authorizing the information you completed in the evaluation form to be used to evaluate your situation and to be forwarded to any third party who may also be able to provide assistance with your situation. These third parties are not associated with ForeclosureFish and ForeclosureFish makes no claims or warranties regarding the services provided by these parties. If you request a free bankruptcy evaluation from a local attorney, ForeclosureFish.com will send your request and completed information to a bankruptcy attorney in the TotalBankruptcy.com network. By submitting this form you are consenting to TotalBankruptcy.com’s Terms & Conditions. Warranty Disclaimer. YOU EXPRESSLY AGREE THAT USE OF THE SITE AND RELIANCE ON ITS CONTENT IS AT YOUR OWN RISK. FORECLOSUREFISH.NET, ITS AFFILIATES AND THEIR RESPECTIVE THIRD-PARTY LICENSORS DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING THE SITE, THE SOFTWARE, THE CONTENT, THE MATERIALS, THE MEMBERSHIP SERVICE, THE CLASSIFIEDS, OR THE RESULTS THAT MAY BE OBTAINED FROM USE OF ANY OF THE FOREGOING. THE SITE, THE SOFTWARE, THE CONTENT, THE MATERIALS AND THE LISTING SERVICE ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND FORECLOSUREFISH.NET, ITS AFFILIATES AND THEIR RESPECTIVE THIRD-PARTY LICENSORS SPECIFICALLY DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY AND WARRANTIES OF NONINFRINGEMENT. ALL INFORMATION RELATED TO PROPERTIES AVAILABLE ON THIS SITE IS SUPPLIED BY THE SELLER OR OTHER THIRD PARTIES. FORECLOSUREFISH.NET AND THE AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, TO ANY ACTUAL OR PROSPECTIVE PURCHASER OR OWNER OF ANY PROPERTY AS TO THE EXISTENCE, OWNERSHIP OR CONDITION OF THE PROPERTY, OR AS TO THE ACCURACY OR COMPLETENESS OF ANY INFORMATION ABOUT A PROPERTY OR SERVICE ADVERTISED ON THE SITE. FORECLOSUREFISH.NET CANNOT AND DOES NOT VERIFY OR WARRANT THE ACCURACY OR COMPLETENESS OF SUCH INFORMATION. FORECLOSUREFISH.NET RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERROR OR OMISSION ON THE SITE OR IN THE CONTENT. ALL PROPERTIES ARE SUBJECT TO PRIOR SALES. ANY AND ALL CONCERNS, DIFFERENCES OR DISCREPANCIES REGARDING A PROPERTY MUST BE ADDRESSED WITH THE SELLER/ADVERTISER PRIOR TO ANY TRANSACTIONS. EXCEPT AS EXPRESSLY SET FORTH IN THE FORECLOSUREFISH MEMBERSHIP TERMS AND CONDITIONS, FORECLOSUREFISH.NET DOES NOT MAKE AND EXPRESSLY DISCLAIMS ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES TO YOU REGARDING THE MEMBERSHIP SERVICE INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT YOU WILL SELL YOUR HOME, OBTAIN AN ACCEPTABLE OFFER OF REFINANCE, ONLY RECEIVE LEGITIMATE INQUIRIES OR SOLICITATIONS FROM QUALIFIED LENDERS/BUYERS, OR RECEIVE ANY INQUIRIES REGARDING YOUR PROPERTY LISTING. FOR PURPOSES OF THIS WARRANTY DISCLAIMER, “THIRD-PARTY LICENSOR” DOES NOT INCLUDE YOU. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. Limitation of Liability. FORECLOSUREFISH.NET, ITS AFFILIATES, AND THEIR RESPECTIVE OWNERS, EMPLOYEES, AGENTS, CONTRACTORS AND THIRD-PARTY LICENSORS SHALL IN NO EVENT BE LIABLE FOR ANY DAMAGES OR LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, RESULTING FROM OR CAUSED BY THE SITE, THE SOFTWARE, CONTENT, THE MATERIALS, THE LISTING SERVICE, THESE TERMS OF SERVICE OR OTHERWISE (INCLUDING, WITHOUT LIMITATION, DAMAGES RESULTING FROM NEGLIGENCE). IN NO EVENT WILL THE AGGREGATE MAXIMUM LIABILITY OF FORECLOSUREFISH.NET, ITS AFFILIATES, AND THEIR RESPECTIVE OWNERS, EMPLOYEES, AGENTS, CONTRACTORS AND THIRD-PARTY LICENSORS FOR ANY CLAIM EXCEED NINETY-NINE DOLLARS ($99.00). FOR PURPOSES OF THIS LIMITATION OF LIABILITY, “THIRD-PARTY LICENSOR” DOES NOT INCLUDE YOU. Some states do not allow the exclusion or limitation of incidental or consequential damages of implied warranties, so the above exclusion or limitation may not apply to you. Termination of Service. You understand and agree that in Foreclosurefish.net’s sole discretion and without prior notice, your access to this Site may be terminated or suspended and Foreclosurefish.net may exercise any other remedy available and remove any Materials, if Foreclosurefish.net believes that your use of the Site and/or any Materials you provide (a) violate (i) these Terms of Service, (ii) the rights of Foreclosurefish.net, any Affiliate or Licensor, or another User of the Site, or (iii) any law or regulation, or are otherwise objectionable or inappropriate or (b) constitute fraudulent activity of any nature. You agree that monetary damages may not provide a sufficient remedy to Foreclosurefish.net for violations of these Terms of Service, and you consent to injunctive or other equitable relief for such violations without the requirement that Foreclosurefish.net post a bond. Foreclosurefish.net is not required to provide any refund to you if you are terminated as an authorized User of the Site because, in Foreclosurefish.net’s sole discretion, you have violated these Terms of Service. Miscellaneous. These Terms of Service may be changed at any time and you will be notified of any such changes by an updated posting of the new Terms of Service on this page of the Site. Your continued use of the Site after the posting of any amended Terms of Service shall constitute your agreement to be bound by any such changes. Foreclosurefish.net may modify, suspend, discontinue or restrict the use of any portion of the Site without notice or liability. This Site includes links to and advertisements from other websites not established or supervised by Foreclosurefish.net or any Affiliate. Foreclosurefish.net and its Affiliates do not endorse, sponsor or guarantee these linked websites and are not responsible in any way for any advice, content, information, practices, products or services related to or made available through such linked websites. These Terms of Service will be governed by and construed in accordance with the laws of the State of Indiana without regard to its conflicts of law provisions. You hereby agree that any cause of action you may have with respect to the Site must be exclusively filed in the federal or state courts located in Lake County, Indiana, within one (1) year after the cause of action arises or the cause is barred. You hereby consent to personal jurisdiction in the federal and state courts in Lake County, Indiana, and waive any objection based on forum non conveniens. As a condition of using this Site, you agree that all causes of action arising out of or connected with this Site shall be resolved individually, without resort to any form of class action. If for any reason a court of competent jurisdiction finds any provision of these Terms of Service, or portion thereof, to be unenforceable, that provision of these Terms of Service will be enforced to the maximum extent permissible so as to affect the intent of the parties, and the remainder of these Terms of Service will continue in full force and effect. Failure by Foreclosurefish.net to enforce any provision of this Terms of Service will not be deemed a waiver of future enforcement of that or any other provision of these Terms of Service. This Terms of Service constitutes the entire agreement between the parties regarding the subject matter hereof. Neither this Terms of Service, nor any terms and conditions contained herein, shall be construed as creating a partnership, joint venture or agency relationship or granting a franchise between the parties. ©2006 Adama Companies, LLC _____________________________________________________________________________________ Foreclosurefish.net Membership Subscription (Membership). By purchasing a ForeclosureFish Membership and/or Classified listing, you aknowledge and agree that: (a) you are the legal owner of the property or business you list and the property is in your possession; (b) you have the right to transfer, sell, and refinance the advertised property or business; (c) you are willing to agree to the advertised terms and price specified in your listing; (d) you will purchase only one Classified listing per unique property or business and you will not advertise more than one property or business in a single Membership listing, either by including descriptions of multiple properties in one listing or by subsequently updating the listing information to advertise different properties; (e) upon selling, refinancing, or otherwise taking your property off the market, you will within 72 hours delete the listing for that property; (f) you will not use your Membership listing to advertise or promote anything (including, without limitation, any product, service or business) other than one unique Property offered for sale or one unique service offered to property owners and approved by Foreclosurefish.net; (g) except as provided in Foreclosurefish.net’s current Refund Policy and any applicable Satisfaction Guarantee Terms, you will owe Foreclosurefish.net for your Membership, even if you fail to Refinance, find a private investor, or sell your property or are dissatisfied with your Membership or Foreclosurefish.net for any reason; (h) you will not use the Foreclosurefish.net site, including without limitation your classified listing, for any fraudulent, false, misleading or deceptive activity; (i) all content and information that you provide to Foreclosurefish.net is truthful, accurate and complete; and (j) you have the full right, ownership and interest in and to all content, photos and other material that you provide to, or post on, Foreclosurefish.net; (k) photos provided for the classified listing will only show the property in question and may not include under any circumstances people, animals, or other objects not related to the property. Foreclosurefish.net reserves the right, in its sole discretion, to remove any listing or photo, without notice and without liability or providing a refund, that does not meet the requirements of these Membership Terms & Conditions, Foreclosurefish.net’s website Terms of Service, Foreclosurefish.net’s policies, or if Foreclosurefish.net otherwise determines or believes, in Foreclosurefish.net’s sole and exclusive discretion, that your listing or any photo or other content you upload is inappropriate for any legal, business, technical or other reason. GENERAL LIMITATIONS. New Memberships and Classified listings may not be available or appear on the Foreclosurefish.net site for up to 72 hours. FORECLOSUREFISH.NET DOES NOT MAKE AND EXPRESSLY DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES TO YOU REGARDING THE MEMBERSHIP SYSTEM SERVICE, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES THAT YOU WILL SELL, REFINANCE, FIND A PRIVATE INVESTOR, ONLY RECEIVE LEGITIMATE INQUIRIES, OR SOLICITATIONS FROM QUALIFIED LENDERS OR INVESTORS, OR RECEIVE ANY INQUIRIES REGARDING YOUR PROPERTY LISTING WHATSOEVER. Foreclosurefish.net reserves the right to, but is under no obligation to and does not assume any obligation to, review classified listings before and/or after they are posted to the Foreclosurefish.net site to confirm information relating to the advertiser and the advertised property and to investigate complaints and suspicious activity. If Foreclosurefish.net determines, in its sole and exclusive discretion, that you are engaging in any unfair, deceptive, false, misleading or fraudulent practices, Foreclosurefish.net reserves the right to reject or immediately remove the listing from the Foreclosurefish.net site without notice and without liability or providing a refund, as described above. ForeclosureFish MembershipStandard Refund Policy. As a general matter, Foreclosurefish.net does not provide refunds for Memberships purchased except refunds requested within 72 hours according to the ForeclosureFish Satisfaction Guarantee. http://foreclosurefish.net/guarantee.htm Foreclosurefish.net is not responsible for refund requests that are not timely received in accordance with this policy for any reason, including without limitation, addressing mistakes, computer or Internet downtime, or requests submitted by phone, fax, e-mail, or any other manner not expressly provided for in this policy. NOTE: The Membership Standard Refund Policy applies to online-only Memberships, as defined above, purchased on the Foreclosurefish.net site or through Adama Companies, LLC. The Membership Standard Refund Policy does not apply to any Memberships or classified listings not purchased directly on Foreclosurefish.net or through Adama Companies, LLC and does not apply for any bundled packages or discounted packages, even if such listings appear on the Foreclosurefish.net site. If you have any questions about this refund policy, please contact us through our e-mail contact form. Foreclosurefish.net reserves the right to modify this Refund Policy at any time.
If you have any questions about the terms and conditions of our site, please contact us directly by email at [email protected]
Stopping foreclosure doesn’t have to be complicated or costly, if you have the right information to begin with.Even if you don’t have any money saved to pay your lender, you may still qualify for a no cost foreclosure refinance. This is just one of the many options you can learn about by using our free membership and ebooks. Another option may be to get a special forbearance agreement or mortgage modification. Both of these option may require an out of pocket expense, but you’ll ultimately lower your monthly payment and be allowed to keep your home.
There are many options, so get started today by completing the form on the left and requesting your free foreclosure evaluation and our 12 free ebooks.
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