Terms and Conditions

This Web Site is provided to you under these "Terms and Conditions" and any amendments to them that may be posted from time to time by SN Servicing Corporation (collectively referred to as this "Agreement"). The Agreement constitutes the entire agreement between you and SN Servicing Corporation regarding the use of this Web Site. PLEASE READ THIS AGREEMENT CAREFULLY. Your use of this Web Site will be deemed to constitute your consent to be bound by the terms and conditions of this Agreement. If you are not willing to accept the terms and conditions in this Agreement, we ask that you not use the Web Site.

This web site ("Web Site") is owned by SN Servicing Corporation. All right, title and interest to the content displayed on the Web Site, including but not limited to the Web Site's look and feel, data, information, text, graphics, images, sound or video materials, designs, trademarks, service marks, trade names and URL, is the property of SN Servicing Corporation, or its respective partners, agents or third parties. Any use of the site and/or the content displayed on the site other than as permitted in this Agreement is prohibited.

SN Servicing Corporation may make changes to this Agreement from time to time in its sole discretion, and will post any such changes on the Web Site. Your continued use of the Web Site following the posting of changes constitutes your acceptance of any such changes.

Cookies are pieces of data stored on your device. Browser cookies are assigned by a web server to the browser on your device. When you return to a site you have visited before, your browser gives this data back to the server. Mobile applications may also use cookies.

SN uses cookies strictly for purposes such as maintaining continuity during an online session, gathering data about the use of our Site, monitoring online promotions, and anti-fraud and information security purposes.

SN does not use cookies and information gathered through their use to make offers to you via online ads, email, U.S. mail, or telephone.

If you use multiple browsers or devices, information that we collect about you from one particular browser or device may be used to collect information on another browser or device. Please note that your choice to opt out on a particular browser or device will apply only to the collection and use of information from that particular browser or device. Opting out on a particular device will not opt you out of information collection on other devices, nor will it limit cross-device sharing on those other devices. If you use different browsers on a device or multiple devices, for each browser and device you wish to opt out, please opt out each device and browser separately.

Industry standards are currently evolving, and we may not separately respond to or take any action with respect to a "do not track" configuration set in your internet browser.

Other parties that may collect information about your web browsing behavior when you use our Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party. Note, however, that we also provide certain links on our sites that allow you to interact with third parties who offer additional features, such as allowing internet users to share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our Site, such as a map. These features often function using third-party cookies utilized by the third-party site, such as a social media platform. As a result, if you use any of these features, these third parties may be able to access information about your web browsing on the pages of our Site where links to these features are in place. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain with the use of cookies.

You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you may experience difficulties accessing your accounts online with SN. Therefore, if you set your browser options to disallow cookies, you could limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies or only retain cookies for a specific browsing session. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

The information that we obtain through your use of the Web Site, whether through the registration process or otherwise, is subject to the SN Servicing Privacy Policy. That Privacy Policy contains terms and conditions that govern our collection and use of the data you provide to us, including your rights relative to that information. Please review the Privacy Policy before you use the Web Site. If you are unwilling to accept the terms and conditions of the Privacy Policy, we ask that you not use the Web Site.

Our Sites are not directed to children under the age of 13, and we do not knowingly collect personal information from such children.

You acknowledge that content on the Web Site ("Intellectual Property Rights"), is protected by copyrights, trademarks, Web Site marks, patents or other proprietary rights and laws. Except as expressly authorized by SN Servicing Corporation herein, you agree not to copy, modify, rent, lease, loan, sell, assign, distribute, license, reverse engineer or create derivative works based on the Web Site or any content (including without limitation any software) available through the Web Site. Any rights not expressly granted herein are reserved.

This site may be used only for lawful purposes. You agree to comply with all applicable local, state, national and international laws, regulations, or conventions, including without limitation those related to data privacy, international communications, and export of technical or personal data. You may not use the Web Site for any criminal or illegal activities or activities that might be legally actionable.

You agree that you shall not use the Web Site in any way to:

1. Post, disseminate or transmit any Content which infringes or violates any party's copyright, trademark, trade secret, patent or other proprietary right, including, but not limited to, using third party copyrighted materials, without appropriate permission, using third party trademarks without appropriate permission or attribution, or using or distributing third party information (whether or not protected as a trade secret) in violation of a duty of confidentiality
2. Post, disseminate or transmit any worms, viruses or other harmful, disruptive or destructive files, code or programs
3. Impersonate any person or entity; falsely state or otherwise misrepresent your affiliation with any person or entity; intentionally omit, delete, forge or misrepresent transmission information, including headers, return mailing and Internet protocol addresses; or otherwise manipulate identifiers to disguise the origin of any site content transmitted through the Web Site
4. Disseminate or transmit any site content you do not have the right to disseminate or transmit
5. Disrupt the normal flow of dialogue or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges
6. Interfere with, disrupt, or harm in any way the Web Site or servers or networks connected to the Web Site
7. Collect or store personal data about other users; or
8. Engage in any activities that would violate the personal privacy rights of others, including but not limited to, collecting and distributing information about Internet users without their permission, except as permitted by applicable law.

By transmitting content using the Web Site, (1) you represent and warrant to SN Servicing Corporation that you have all necessary permission to post or transmit content; and (2) you grant to SN Servicing Corporation a worldwide, non-exclusive, perpetual, royalty-free license to fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such content (in whole or part) worldwide and /or to incorporate it in other works in any form, media, or technology now known or later developed.

THE WEB SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SN Servicing Corporation EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

SN Servicing Corporation DOES NOT MAKE ANY WARRANTY THAT THE WEB SITE WILL MEET YOUR REQUIREMENTS, OR THAT THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. SN Servicing Corporation MAKES NO WARRANTIES AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE, AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE WEB SITE, AS TO THE QUALITY OF ANY PRODUCTS, WEBSITES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEB SITE, OR AS TO ANY TRANSACTIONS ENTERED INTO BY YOUR USE OF THE WEB SITE.

YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEB SITE IS USED AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SN Servicing Corporation OR THROUGH THE WEB SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES SHALL SN Servicing Corporation OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS OR THOSE OF ITS AFFILIATE OR SUBSIDIARIES BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), OR OTHERWISE RESULTING FROM: (1) THE USE OF, OR THE INABILITY TO USE, THE WEB SITE, (2) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES, GOODS OR AND WEBSITES, (3) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (4) THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEB SITE, OR, (5) ANY OTHER MATTER RELATING TO THE WEB SITE. THESE LIMITATIONS WILL APPLY WHETHER OR NOT SN Servicing Corporation HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

SOME JURISDICTIONS DO NOT ALLOW A LIMITATION OR EXCLUSION OF LIABILITY FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to indemnify and hold harmless SN Servicing Corporation, its directors, officers, employees and agents, and those of its co-branders, subsidiaries, parents and affiliates, from and against any and all liability, losses, claims, demands, disputes, damages or costs of any kind, including, without limitation, reasonable attorneys' fees and costs of litigation, resulting from or in any way connected with your use of the Web Site content you submit, post or transmit through the Web Site, your breach of this Agreement or your connection to the Web Site.

SN Servicing Corporation asks our users to respect the intellectual property of others. Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. sec. 512, SN Servicing Corporation has designated an agent to receive notices of claimed copyright infringement. If you believe in good faith that your work has been copied in a way that constitutes copyright infringement, you may file a Notification of Claimed Copyright Infringement with SN Servicing Corporation's Copyright Agent.

If you believe that a notice of copyright infringement has been wrongly filed against you and you would like to submit a counter-notification, you may file a Counter-Notification in Response to Claim of Copyright Infringement with SN Servicing Corporation's Copyright Agent:

SN Servicing Corporation
Attn: Copyright Agent
323 Fifth Street
Eureka, CA 95501
Fax number: 707-443-1562