These Terms of Service define the terms, conditions, and notices under which HSH Associates provides its www.HSH.com Web site, HomePlans.HSH.com, BestRates.com, BankRates.com, www.ArmIndexes.com, and/or HSH mirror sites, co-branded sites, and/or derivative sites (collectively "HSH.com" or "HSH") to you without charge as a convenience and for your information only. By visiting this site, you signify your agreement to all terms, conditions, and notices contained or referenced in these Terms of Service and our Privacy Policy.

Copyright:

All information, content, services and software displayed on, transmitted through, or used in connection with HSH.com, including, without reservation, articles, tutorials, directories, text, data, images, illustrations, images, code, trademarks, logos, and all other materials, as well as its selection and arrangement, (collectively, the "Content") is owned by HSH and its affiliated companies, licensors and suppliers.

Permitted Use:

You may use the Content online only, and solely for your personal, non-commercial use, except where explicitly provided otherwise and/or with the prior express written consent of HSH.

You may download or print a single copy of any portion of the Content for your personal use provided you do not remove any trademark, copyright or other notice from such Content.

If you operate a Web site and wish to use our syndicated content, you may do so provided you agree to and follow the Terms of Use governing such content.

If you operate a Web site and wish to link to HSH.com you may do so provided you agree to abide by these the Terms of Use, and you agree to cease such link upon request from HSH.

The permitted use described in this paragraph is contingent on your compliance at all times with these Terms of Service. You may not, for example, distribute, modify, copy, frame, cache, reproduce, sell, publish, transmit, display or otherwise use all or any portion of the Content on any Internet, Intranet or extranet site or incorporate the Content in any database, compilation, archive or cache except where explicitly provided otherwise. You may not distribute, whether or not for payment or other consideration, any portion of the Content, including, without reservation, any data, articles, databases, tutorials, directories, text, images, illustrations, images, code, trademarks, logos, and all other materials, or any other part of the Content to others, except where explicitly provided otherwise.

You may not scrape or otherwise copy any Content without permission. You agree not to decompile, reverse engineer or disassemble any software, code 'snippets', or other products or processes accessible through HSH.com, and not to use any data mining, data gathering or extraction method, or other means to extract any data or data fields from this site.

Requests to use Content for any purpose other than as specifically permitted in these Terms of Service should be directed to HSH Associates, Financial Publishers.

Third Party Content

HSH.com makes available information of third parties, such as articles, data, news, reports, calculation tools, and other materials. This information is provided for your convenience and information only and HSH.com makes no representation or warrant whatsoever regarding the accuracy, currency, reliability, or utility of any third party data, advice, opinion, statement or other information displayed, uploaded or distributed through HSH.com. Any reliance upon any such opinion, advice, statement or information is at your sole risk.

HSH.com may provide hyperlinks, pointers, or references to other Web sites maintained by third parties. Such links to third-party sites are provided for your convenience and information only. HSH does not control or endorse any linked third party site and is not responsible for the contents of, or any hyperlink contained in, any linked third party site. HSH.com makes no representation whatsoever regarding the accuracy, currency, reliability, or utility of any third party site, and does not warrant that the content of these sites is accurate, legal, inoffensive, or free from viruses or other features.

Unsolicited Materials

HSH requests that you do NOT send unsolicited materials or ideas for use or publication, and HSH is not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to HSH.

If you choose to send any unsolicited materials to HSH you do so with the understanding that all such materials sent to HSH will be deemed NOT to be confidential and you are waiving any claim against HSH, its affiliates and subsidiaries regarding their use; and with the understanding that that HSH does not knowingly accept or acknowledge anonymous messages or materials, however received. By sending HSH any unsolicited information or material, you grant HSH an unrestricted, irrevocable license to, without limitation, reproduce, publish, display, perform, modify, transmit and distribute those materials or information, or otherwise use such information for any purposes whatsoever. You also agree that you are fully responsible for its content, including truthfulness and accuracy, and non-infringement of any other entity's proprietary rights, and that no consideration of any sort will be provided to you.

Advertising:

Advertising content, including, without reservation, lending rates, fees, terms, and other information, are updated and posted directly to HSH.com by each advertiser. HSH does not review, manage, edit, or otherwise control any such advertising content. Advertisers are solely responsible for such content, and for any liability whatsoever arising out of or relating to any content, hyperlink, data, information or other material.

Third Party Links

HSH provides links to outside sites which may or may not belong to advertisers. These sites are not affiliated with HSH and HSH does not review, manage, edit, or otherwise control any of these sites, nor any of the content presented thereon, and does not represent that any loan rates and terms which may be offered are accurate, or that they will be available to any particular person or entity.

Disclaimers:

ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER HSH NOR ANY PROVIDER OF THIRD PARTY CONTENT OR THEIR RESPECTIVE AGENTS WARRANTS THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE. NEITHER HSH, NOR ANY OF ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, CONTENT PROVIDERS OR LICENSORS, MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND REGARDING HSH.COM, THE CONTENT, ADVERTISING MATERIAL, INFORMATION, PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH HSH.COM, OR THE RESULTS THAT MAY BE OBTAINED FROM ANY USE OF HSH.COM. ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES AGAINST INFRINGEMENT, AND WARRANTIES THAT HSH.COM WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE, ARE SPECIFICALLY DISCLAIMED. HSH.COM AND ITS AFFILIATES ARE NOT RESPONSIBLE OR LIABLE FOR CONTENT POSTED BY THIRD PARTIES, ACTIONS OF ANY THIRD PARTY, OR FOR ANY DAMAGE TO, OR VIRUS THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY.

ALL DATA AND INFORMATION CONTAINED HEREIN ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

IN NO EVENT SHALL HSH.COM OR ITS AFFILIATES, EMPLOYEES, AGENTS, CONTENT PROVIDERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF USE OF ANY DATA, MATERIALS, OR ANY OTHER CONTENT WHATSOEVER, HOWEVER CAUSED, ON ANY THEORY OF LIABILITY, AND WHETHER OR NOT HSH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY EXCLUSIVE REMEDY.

Amendments:

HSH reserves the right to change these Terms of Service at any time at its discretion and to notify users of any such changes solely by changing this Terms of Service. At any time, and without notice or liability, HSH may terminate, change, or suspend any aspect of this site, including the availability of any features, and/or may remove, modify, or otherwise change any content, including that of third parties, on or from this site. HSH may deny access to any entity or user at any time for any reason, or for no reason whatsoever.

Miscellaneous: These Terms and Conditions constitute the entire agreement between you and HSH governing use of the Site. Should any provision in these terms be found invalid or unenforceable for any reason, then that provision shall be deemed severable from the remaining Terms and Conditions and shall not affect the validity or enforceability of the remaining provisions. Headings contained in this Terms of Service are for convenience and are not to be considered a part of this Agreement.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey, and the federal laws of the United States of America, without giving effect to its conflict of laws provisions. You agree to submit to the personal and exclusive jurisdiction of the state or federal courts located within the State of New Jersey.