California MBA Website Terms of Use

 

Agreement between user and www.cmba.com
Welcome to www.cmba.com. The www.cmba.com website (the “Site”) is comprised of various web pages operated by California Mortgage Bankers Association (“California MBA,” “we,” “us,” “our”). The Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of the Site constitutes your agreement to all such Terms. Please read these Terms carefully and keep a copy of them for your reference. The Site is a Non-profit Website for the California MBA, providing industry and membership news, conference information and registration, and other products and services (collectively the “Services”).

Privacy
Your use of www.cmba.com is subject to California MBA’s Privacy Policy. Please review our Privacy Policy, which may be amended from time to time and also governs the Site and informs users of our data collection, sharing, and use practices.

Electronic Communications
Visiting www.cmba.com or sending emails to California MBA constitutes electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your account
If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that California MBA is not responsible for third party access to your account that results from theft or misappropriation of your account. California MBA and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion. California MBA does not knowingly collect, either online or offline, personal information from persons under the age of eighteen (18). If you are under 18, you may use www.cmba.com only with permission of a parent or guardian.

Links to third party sites/Third party services
The Site may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of California MBA and California MBA is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. California MBA is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by California MBA of the Linked Site or any association with its operators. Certain Services made available via www.cmba.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.cmba.com domain, you hereby acknowledge and consent that California MBA may share such information and data with any third party with whom California MBA has a contractual relationship to provide the requested product, service or functionality on behalf of www.cmba.com users and customers.

No unlawful or prohibited use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use www.cmba.com strictly in accordance with these Terms of use. As a condition of your use of the Site, you warrant to California MBA that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or any other site, or interfere with any other party’s use and/or enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you or provided for through the Site. All content included as part of the Services, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of California MBA or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto. You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. California MBA content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of California MBA and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of California MBA or our licensors except as expressly authorized by these Terms.

International Users
The Services are controlled, operated, and administered by California MBA from our offices within the USA. If you access the Services from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Site or any of its content accessed through www.cmba.com in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Indemnification
You agree to indemnify, defend and hold harmless California MBA, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of, or inability to use, the Site or Services, and/or any user postings made by you, your violation of any terms of this Agreement, your violation of any rights of any third party, or your violation of any applicable laws, rules or regulations. California MBA reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with California MBA in asserting any available defenses.

Liability disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION ON THE SITE, HEREIN, OR IN THE PRIVACY POLICY. CALIFORNIA MBA AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

CALIFORNIA MBA AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND/OR ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. CALIFORNIA MBA AND/OR ITS SUPPLIERS ALSO HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CALIFORNIA MBA AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, SERVICES, OR WITH RESPECT TO ANY DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, OR WITH RESPECT TO THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CALIFORNIA MBA OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/access restriction
California MBA reserves the right, in its sole discretion, to terminate your access to the Site and/or the related Services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not have effect to all provisions of these Terms, including, without limitation, this section. You agree that no joint venture, partnership, employment, or agency relationship exists between you and California MBA as a result of this agreement or use of the Site. California MBA’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of California MBA’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by California MBA with respect to such use. 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.

Unless otherwise specified herein, this agreement, and the Terms embodied herein, constitute the entire agreement between the user and California MBA with respect to the Site and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and California MBA with respect to the Site. 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. It is the express wish of the parties that this agreement and all related documents be written in English.

Changes to Terms
California MBA reserves the right, in its sole discretion, to change the Terms under which www.cmba.com is offered and use of the Site after any such change shall constituted acceptance of those Terms. The most current version of the Terms will supersede all previous versions. California MBA encourages you to periodically review the Terms to stay informed of our updates.

Contact Us
California MBA welcomes your questions or comments regarding the Terms:
California Mortgage Bankers Association
3013 Douglas Blvd., Suite 132

Roseville, California. 95661

Email Address: [email protected]
Telephone number: (916) 446-7100
Effective as of November 1, 2024