Terms of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on The Barath Group's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on The Barath Group's web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by The Barath Group at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on The Barath Group's web site are provided "as is". The Barath Group makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, The Barath Group does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall The Barath Group or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on The Barath Group's Internet site, even if The Barath Group or a The Barath Group authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on The Barath Group's web site could include technical, typographical, or photographic errors. The Barath Group does not warrant that any of the materials on its web site are accurate, complete, or current. The Barath Group may make changes to the materials contained on its web site at any time without notice. The Barath Group does not, however, make any commitment to update the materials.

6. Links

The Barath Group has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by The Barath Group of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

The Barath Group may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to The Barath Group's web site shall be governed by the laws of the State of Indiana without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Privacy Statement

We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services. This policy is provided to you as required by the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and the appropriate regulations and guidelines thereunder.

The Security We Use to Protect Your Information

We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.

What Information We Collect From You

We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.

Sharing of the Information Gathered on This Site

We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

What Cookies Are and How They Are Used

A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Our site has programs that use cookies to maintain session information to remember who you are as you go from page to page. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet.

External Links

This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites. If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.

Updating or Deleting Your Information, Including Demographic and Profile Data

You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.

Demographic and Profile Data

We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.

Contacting Us

If you have any questions about this privacy policy, please write us by mail here:

1805 E Lincolnway, Ste 6
Valparaiso, Indiana 46383