Terms of Use.

Our website is owned and operated by COLUMBINE MORTGAGE LLC, 44 Cook Street, Suite 700, Denver CO 80206.

We reserve the right to update our Terms Of Use at any time, and such updates will be effective immediately upon publication.  Therefore, we encourage you to review our Terms Of Use each time you access our website to ensure you are aware of any changes to our Terms Of Use.

By accessing our website and navigating beyond our website homepage, you agree to be bound by our Terms Of Use, without modification, as such is in effect at the time you access our website.  If you do not agree to be bound by our Terms Of Use, you may not access our website, and you may not use any of the information provided on our website.

Our website is intended for use by individuals over the age of 18 who are interested in learning more about the mortgage lending process and who are exploring a potential transaction with us regarding real property located within the State of Colorado.  Our website is not intended for use by individuals under the age of 18 without the permission of a parent or guardian.

You understand and acknowledge that we operate our website from within the United States of America. Our website provides information regarding services and products that are available only in the United States and, more particularly, only in the State of Colorado.  We make no representation that the services or products about which information may be provided on our website will be available (a) anywhere outside of the United States or (b) in every state within the United States.  You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to, and use of, our website.

You may use our website only for lawful purposes.  Information from our website may be accessed, downloaded, or printed only for your personal and non-commercial use.  You understand and agree that the information provided on our website is for general informational purposes only, and that Columbine Mortgage LLC, its employees, affiliates, or contractors, do not provide legal, tax, or accounting advice.  Consequently, you acknowledge that the information presented on our website does not constitute legal, tax, or accounting advice and you further acknowledge that we have hereby advised you to consult your own legal, tax, and accounting advisors for advice on matters pertaining to those disciplines.

Certain areas or features of our website may require that you provide personal information to initiate contact with us or may be restricted to users who have obtained a user ID and password by completing a registration process.  In all cases, you agree to provide true, accurate and complete personal information when such information is required.

It is your responsibility to protect and maintain the confidentiality of your user ID, password, and any other identifying information you may obtain in connection with the use of our website.  You should use particular caution when accessing our website from a public or shared computer so that others are not able to view or record your user ID, password, or other identifying information.  You agree to notify us immediately if you believe your user ID, password or other identifying information has been lost, stolen, or otherwise compromised.  You further agree and accept that you are solely responsible for all damages or claims that may arise from any access to, or use of, our website by any person to whom you have provided, or has otherwise obtained your user ID, password, or other identifying information.

You may not use our website or any contents thereof for any purpose that is unlawful or is otherwise prohibited by our Terms Of Use.

For those certain areas or features of our website that require you to provide personal information, you agree not to provide false or misleading information, impersonate another person, or falsely represent your affiliation with any person or entity.  You also agree to refrain from accessing or attempting to access password protected, secure or non-public areas of our website without duly issued credentials.  Unauthorized attempts to access prohibited areas of our website may be subject to prosecution by the appropriate authorities.

Furthermore, you agree not to:

• • modify, change or alter our website in any way;
  • impair the operation of our website, or the servers on which our website is hosted;
  • impair any other person’s ability to access and use our website;
  • transmit harmful or disabling computer codes or viruses;
  • transmit unsolicited email to our website, or to any email address that includes the domain name of our website; or
  • transmit or upload violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images.

For your convenience, we utilize hyperlinks on our website that provide direct access to other websites which are not under our control.  We are not responsible for the terms and conditions of use, privacy practices, confidentiality provisions, or other matters pertaining to your use of those other websites, or that may relate to the companies that control those websites.  We do not endorse any other websites, the services or products offered on such websites, or any of the content contained on those websites.  By using our website, you acknowledge and agree that COLUMBINE MORTGAGE LLC will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculations, information, products or materials.

You acknowledge that certain features of our website, as well other products and services we provide may be subject to terms, conditions and disclaimers in addition to our Terms Of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

All information and content on this website, except where otherwise stated (including but not limited to all logos, text, graphics, images, video and audio, data compilations, software, and the design, selection and arrangement thereof), are owned by COLUMBINE MORTGAGE LLC, its affiliates, partners, licensors, or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

“Columbine Mortgage,” the mark consisting of the image of a partially encircled mountain and flower (the “Badge”), and the mark consisting of the Badge together with name “Columbine Mortgage” are the exclusive property of COLUMBINE MORTGAGE LLC.  You may not use those marks, in whole or in part, without our prior written consent.  All other names, logos, product and service names, and designs, on our website are the property of their respective owners.

You acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any material on our website.  You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any webpage, or alter the appearance of any materials from our website.

You agree that any testimonials submitted to us, as well as any other comments, suggestions, and ideas submitted to us regarding our website or other business matters, become the irrevocable and permanent property of COLUMBINE MORTGAGE LLC, and may be used by us in any way we deem fit, in our sole judgment.

THE WEB PAGE CONTENTS ON OR AVAILABLE THROUGH OUR WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COLUMBINE MORTGAGE LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. COLUMBINE MORTGAGE LLC MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF.  THE WEB PAGE CONTENTS ON OR AVAILABLE THROUGH OUR WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. COLUMBINE MORTGAGE LLC HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENTS ON OR AVAILABLE THROUGH OUR WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT COLUMBINE MORTGAGE LLC IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN OUR WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF OUR WEBSITE, COLUMBINE MORTGAGE LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.  COLUMBINE MORTGAGE LLC MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF OUR WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO OUR WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN OUR WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT COLUMBINE MORTGAGE LLC, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING OUR WEBSITE.

YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL COLUMBINE MORTGAGE LLC BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, OUR WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH OUR WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH OUR WEBSITE.  YOU AGREE THAT COLUMBINE MORTGAGE LLC SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT, IF ANY, YOU PAID TO COLUMBINE MORTGAGE LLC FOR ACCESS TO, OR USE OF, OUR WEBSITE.

You agree to defend, indemnify, and hold harmless COLUMBINE MORTGAGE LLC, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, representatives, shareholders, subsidiaries, successors, affiliates, contractors, agents, suppliers, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees and court costs) arising out of or relating to your violation of our Terms Of Use or your use of our website.

No waiver by COLUMBINE MORTGAGE LLC of any term or condition set forth in our Terms Of Use shall be deemed a further or continuing waiver of such term or condition, and any failure by COLUMBINE MORTGAGE LLC to assert a right or provision under our Terms Of Use shall not constitute a waiver of such right or provision.  If any provision of our Terms Of Use is found to be void, invalid, illegal or unenforceable for any reason, such provision shall be deemed severable from the other provisions of our Terms Of Use and shall not affect the validity or enforceability of such other provisions.

All matters and any dispute or claim relating to our website and our Terms Of Use shall be governed by and construed in accordance with the laws of the State of Colorado without giving effect to any principle of conflicts of law.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of our website or our Terms Of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.  Any legal action or proceeding related to our Terms Of Use shall be brought exclusively in the United States District Court for the District of Colorado.

Columbine Mortgage LLC
44 Cook Street
Suite 700
Denver CO 80206