Second Mortgage California (hereby called "The Equity Lender") is a home mortgage and equity lender. Second Mortgage California maintains The Equity Lender as a service to the mortgage community. The goal of Second Mortgage California is to provide you with the best service possible for a refinance experience. These Terms and Conditions are designed to keep Second Mortgage California and the loan industry a viable means for refinancing. Second Mortgage California is committed to and supports the free flow of information and ideas over the Internet. Second Mortgage California does not actively monitor nor does The Second Mortgage California exercise editorial control over the content of any web site, electronic mail transmission, mailing list, news group or other material created or accessible over Second Mortgage California lending services. However, Second Mortgage California reserves the right to remove any materials Second Mortgage California does become aware of that are, in Second Mortgage California sole discretion, potentially illegal, could subject Second Mortgage California to liability, or violate this policy. The use of The Equity Lender is subject to the following terms and conditions: Second Mortgage California may amend this agreement on an as needed basis by placing an update of this posting, and your continued use of The Equity Lender following each updated posting shall be deemed to be your acceptance of any such modification. Furthermore, it is your responsibility to monitor the "Terms and Conditions" page of The Equity Lender regularly to determine whether the terms and conditions have been modified. If changes to terms and conditions or pricing have been made, these changes will take effect on the date of Client's contract renewal. If you do not agree with the Terms and Conditions of The Equity Lender or any modifications or changes to this Agreement, you must immediately stop using The Equity Lender. The entire content of The Equity Lender is Copyrighted, and all rights are reserved. You may save to disk or print out individual or selections of information contained within The Equity Lender for your own use, provided that you do not collect multiple small selections for the purpose of replicating or copying all or substantial portions of The Equity Lender.