5 of 6 Credit Topics
Terms of Use
Please Read Carefully Before Using This Web Site

Welcome to the Xcapital Inc website. The goals of this web site include providing consumers with access to information about Xcapital Inc as well as various mortgage & real estate related issues that we think may be of interest to you. To insure a safe, non-offensive environment for all visitors to this web site, we have established these "Terms of Use." It spells out what you can expect from us. By accessing any areas of Xcapital.com you agree to abide by the terms set forth below.

COPYRIGHT NOTICE

The materials at this web site, as well as the organization and layout of this site, are copyrighted and are protected by worldwide copyright laws and treaty provisions. You may access, download and print materials on this web site for your personal and non-commercial use (any print out of this web site, or portions of the web site, must include Xcapital's name. Unless otherwise specified, you may not copy, modify, distribute, transmit, display, reproduce, publish, license, create derivative works from, frame in another web site, use on any other web site, transfer or sell any information obtained from this web site, without written permission from Xcapital Inc. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information.

LINKS

For your convenience, Xcapital Inc may provide links to various other web sites that may be of interest to you. However, Xcapital Inc does not control such web sites and is not responsible for their content nor is it responsible for the accuracy or reliability of any information, data, opinions, advice, or statements contained within such web sites. Furthermore, Xcapital's privacy policy is applicable only when you are on our web site. Once you link to another web site, you should read that site's privacy policy before disclosing any personal information. If you decide to access any of the third party sites linked to this web site, you do so at your own risk.Xcapital Inc reserves the right to terminate any link or linking program at any time.

APPLICABLE LAW

This web site is controlled by Xcapital Inc from its offices within San Mateo, the state of California, the United States of America. As such, the laws of the State of California, the United States of America, will govern these disclaimers, terms and conditions. Xcapital Inc reserves the right to make changes to its site and these disclaimers, terms and conditions at any time. You hereby irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the courts of the State of California, the United States of America, for any litigation arising out of or relating to the use of the Xcapital.com web site, waive any objection to the venue of any such litigation in the California courts and agree not to plead or claim in any California court that such litigation brought therein has been brought in an inconvenient forum.

DISCLAIMER

THE MATERIALS CONTAINED IN THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL XCAPITAL INC. BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE WEB SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. XCAPITAL INC. DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THESE MATERIALS. XCAPITAL INC. MAY MAKE CHANGES TO THIS WEB SITE AT ANY TIME WITHOUT NOTICE. WHILE XCAPITAL INC. STRIVES TO KEEP THE INFORMATION ON THIS SITE ACCURATE AND CURRENT, XCAPITAL INC. CANNOT GUARANTEE THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION. INFORMATION WITHIN THE XCAPITAL WEB SITE MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. XCAPITAL RESERVES THE RIGHT TO MAKE CHANGES, CORRECTIONS AND/OR IMPROVEMENTS TO THE INFORMATION CONTAINED WITHIN THIS WEB SITE, AT ANY TIME, WITHOUT NOTICE.

TERMS OF USE UPDATES

Xcapital Inc. may revise these Terms of Use at any time by updating this posting. You should visit this page from time to time to review the then-current Terms of Use because they are binding on you.

SEVERABILITY

The provisions of these Terms of Use are intended to be severable. If for any reason any provision of these Terms of Use is held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.