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Terms of Use

Please read this Terms of Use Agreement ("Agreement") carefully. By accessing this Web site and any pages hereof, you agree to be bound by the terms and conditions below. This Agreement contains an agreement to arbitrate all Claims and disclaimers of warranties and liability. These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, do not access this Web site.

For purposes of this Agreement, "Centrro" means Centrro, Inc.

Services

All of the information you have provided in your request is true and complete. If you elect to provide your Social Security Number, you authorize Centrro to pull your credit history, which will not affect your credit score. We provide your information, excluding your credit history, to Businesses. You can authorize the Businesses, along with any additional Businesses necessary to complete your transaction and to check your credit history. You understand that Businesses may keep this form, whether or not you are qualified for a loan with them. Centrro is not a lender and does not make loans or credit decisions in connection with loans. Centrro does not endorse or recommend the products of any particular Business on any of its websites. Centrro is not an agent of either you, the User, or any participating Business. Centrro's services are administrative and consultative only. You should rely on your own judgment in deciding which available product best suits your needs and financial means. The Business is solely responsible for its services to you, and you agree that Centrro shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. This Web site and the services provided by Centrro are available only in connection with (a) mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified, and (b) non-mortgage loans made to citizens and residents of the United States. Loans may only be made to residents of, or secured by real property located in, states where participating Businesses are licensed or authorized to make such loans. Businesses are not attempting to make loans outside of their authorized states or country by participating in and offering their products on this Web site. Centrro and/or participating Businesses expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through this Web site. Centrro does not guarantee acceptance into any particular program or specific terms or conditions with any participating Business; approval standards are established and maintained solely by individual Businesses. Likewise, Centrro does not guarantee that the terms or rates offered and made available by participating Businesses through this Web site are the best terms or lowest rates available in the market. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a financial commitment or interest rate lock-in agreement. Centrro does not charge you, the User, a fee to use our service. Centrro is paid a fee by participating Businesses for the goods, facilities and services provided. Your use of this Web site and/or Centrro's services constitutes your agreement with this compensation arrangement.

By completing and submitting the request form, you understand and agree that you are inquiring as to a lending or other product with Centrro and each of the Businesses to whom your request is transmitted. By submitting the request, you are extending an express invitation to each of these entities to contact you by telephone at the numbers you have provided so that they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list.

Copyright and Trademark Notices

All contents of this Web site are: Copyright © 2006 Centrro, Inc. and/or its suppliers, or participating Businesses, 360 22nd Street, Oakland, CA 94612, U.S.A. All rights reserved. Centrro is a service mark of Centrro, Inc. Other product and company names mentioned herein, including the names of participating Businesses, may be the trademarks of their respective owners.

Disclaimers and Limitations

Centrro intends that the information contained in its Web site be accurate and reliable; however, errors sometimes occurs. In addition, changes and improvements to the information provided herein may be made by Centrro at any time. THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." CENTRRO AND/OR ITS SUPPLIERS OR PARTICIPATING BUSINESSES DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE AND/OR CENTRRO'S SERVICES IS AT YOUR OWN RISK. CENTRRO AND/OR ITS SUPPLIERS OR PARTICIPATING BUSINESSES ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR CENTRRO'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CENTRRO AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Indemnity

As a condition of use of this Web site and/or Centrro's services, you agree to indemnify Centrro and its suppliers or participating Businesses from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of Centrro's services, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

Links to Third Parties

This Web site may contain links to Web sites maintained by third parties. Such links are provided for your convenience and reference only. Centrro does not operate or control in any respect any information, software, products or services available on such Web sites. Centrro's inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Errors and Delays

Centrro is not responsible for any errors or delays in responding to a qualification form or referral form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

Dispute Resolution

Any claim or controversy arising out of or relating to the use of this Web site, to the goods or services provided by Centrro, or to any acts or omissions for which you may contend Centrro is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be venued in Alameda County, California. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to Centrro. In any arbitration, Centrro will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration paid by the non-prevailing party. To begin the arbitration process, a party must make a written demand therefor.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction in Alameda County, California. The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND CENTRRO WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Centrro's goods and services you consent to these restrictions. Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Centrro, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Alameda County, California. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

Other Terms

This Agreement constitutes the entire agreement between you and Centrro and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Centrro with respect to this Web site and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of California, excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

Security Policy

We regularly review our information systems and processes to ensure their integrity and security.

We employ internal procedures to protect and limit access to customer information. For example, we authorize access to customer information by individuals only when there is a business purpose. We also require outside service providers to use procedures to keep your information safe and secure.

If you are transacting business with us on our Web site, we take steps to protect the security of your information such as:

  • Keeping our databases and our Web servers separate and protecting each with firewalls;
  • Using Secure Sockets Layer (SSL) encryption technology to transmit confidential information between your browser and our Web servers; and
  • Employing secure servers.

See Also