All materials presented on EBook.ModSoftKit.com, dba State Financial Services, LLC are presented as an author, publisher, distributor and seller of information subject to Federal copyright protection. The views and opinions are specifically presented from a mortgage lender's or servicer's perspective. EBook.ModSoftKit.com does not attempt to collect debts and does not provide bankruptcy assistance. The material is for informational purposes only and the information is not to be construed or relied upon in any way as legal or professional advice. EBook.ModSoftKit.com strongly encourages you to consult legal counsel and other appropriate industry professionals including working with your lender before adopting any of the ideas or suggestions in this material, The information may or may not be applicable to your specific situation. EBook.ModSoftKit.com does not guarantee the accuracy of the information, and is not liable for any damages, losses or other detriment that may result from the use of the EBook.ModSoftKit.com website. In addition, EBook.ModSoftKit.com does not guarantee the availability and 100% functionality of the EBook.ModSoftKit.com website at any time.
RETURN POLICY - EBook.ModSoftKit is an automation platform with standardized strategies & methods. Our goal is to facilitate mortgage modifications for defaulted borrowers saving them time and money. If for any reason you (the customer) are not satisfied and would like to request a refund please adhere to the following guidelines.
Time Limit: We request that you notify EBook.ModSoftKit.com no later than 14 days after registration with our services. Simply communicate through the Contact Us form located on nearly every page of our website or email us directly to Support@EBook.ModSoftKit.com.
Information Required: Reason for Return, Mailing Address, How we can better assist you in the future.
Conditions for Returns: We will consider each request on a case-by-case basis but cannot claim responsibility for lack of response (or no response) from lender, servicer or foreclosing attorney.
To initiate a request: Please submit a request through the Contact Us link on nearly every page of the website or email us directly to Support@EBook.ModSoftKit.com.
USER POLICY AND AGREEMENT
Please note: You have already accepted these Terms and Conditions. Your
acceptance was made prior to your initial visit to the EBook.ModSoftKit.com
Site.
Unless otherwise noted, the Materials and any intellectual property and other rights relating thereto are and will remain the property of EBook.ModSoftKit.com and its licensors and suppliers. The Materials and the selection, compilation, collection, arrangement and assembly thereof are protected by U.S. and international copyright, trademark and other laws, and You acknowledge that these rights are valid and enforceable. The Materials may be used solely to the extent necessary for Your authorized use of the Site, as provided in the Rules or as expressly authorized in writing by EBook.ModSoftKit.com or, if so indicated in writing by EBook.ModSoftKit.com, its licensors or suppliers.
The trademarks, logos, and service marks displayed on the Site (collectively the "Trademarks") are the registered and unregistered trademarks of EBook.ModSoftKit.com, EBook.ModSoftKit.com's licensors and suppliers, and others. The Trademarks owned by EBook.ModSoftKit.com, whether registered or unregistered, may not be used in connection with any product or service that is not EBook.ModSoftKit.com's, in any manner that is likely to cause confusion with customers, or in any manner that disparages EBook.ModSoftKit.com. Nothing contained on the Site or within the Materials should be construed as granting by implication, estoppel or otherwise, any license or right to use any Trademark without the express written permission of EBook.ModSoftKit.com, EBook.ModSoftKit.com's licensors or suppliers, or the third party owner of any such Trademark. Misuse of any Trademarks or any other Material is prohibited, and EBook.ModSoftKit.com will aggressively enforce its intellectual property rights in such Trademarks and Material, including via civil and criminal proceedings.
Confidentiality of Materials
The Site includes Materials that are confidential to EBook.ModSoftKit.com and
its licensors and suppliers. You should assume that the Materials are
confidential and proprietary unless otherwise indicated on the Site or apparent
from the nature of such Materials (for example, publicly available forms or
documents). You agree to maintain such Materials in confidence, to use such
Materials only as provided hereunder, and not to disclose such Materials to
third parties. This obligation will not apply to Materials that EBook.ModSoftKit.com
has made generally available to the public.
Information Gathered From You By EBook.ModSoftKit.com
All uses of any information collected by EBook.ModSoftKit.com through the Site
are subject to the terms of EBook.ModSoftKit.com Privacy Policy.
Non-Personally Identifiable Information
EBook.ModSoftKit.com collects and aggregates information indicating, among
other things, the EBook.ModSoftKit.com courses or lessons in which visitors to
the Site enroll, whether or not visitors to the Site complete the courses or
lessons in which they enroll and the degree of successful completion of the
courses or lessons, the places visited at the EBook.ModSoftKit.com web site and
the interactions with various people and material. The information EBook.ModSoftKit.com
collects helps EBook.ModSoftKit.com identify the most popular areas of the
Site, determine the effectiveness of the EBook.ModSoftKit.com program and build
quality, more useful online services. EBook.ModSoftKit.com uses this to perform
statistical analyses of the collective characteristics and behavior of visitors
to the Site. EBook.ModSoftKit.com may disclose some of this statistical
information to others involved in the mortgage industry to inform them of the
number of people who have participated in the EBook.ModSoftKit.com program and
to provide statistical data on the success of the EBook.ModSoftKit.com program
in achieving its goal of providing borrowers with information on loss
mitigation alternatives.
Personally identifiable information
In certain areas of the Site - for example, when registering to enroll in a
resolution or an educational course - EBook.ModSoftKit.com requests that You
provide EBook.ModSoftKit.com with personally identifiable information.
Specifically, if You seek to obtain recognition from EBook.ModSoftKit.com or
completing a EBook.ModSoftKit.com course, You must submit to EBook.ModSoftKit.com
certain information. This may include, without limitation, Your social security
number, loan number, telephone number, street address and e-mail address. EBook.ModSoftKit.com
uses this information to process and report Your progress to various entities
involved in the mortgage banking industry. EBook.ModSoftKit.com will not
provide this personally identifiable information to any third party other than
those third party contractors responsible for the maintenance, care and support
of this web site and the mortgage banking entities related to your loan. In
addition, EBook.ModSoftKit.com requires that you provide EBook.ModSoftKit.com
with an email address at which EBook.ModSoftKit.com may contact You. EBook.ModSoftKit.com
uses this information solely to allow EBook.ModSoftKit.com employees or agents,
and those mortgage banking entities related to your loan, to contact you about
your loan or to help you with the use of this web site.
Your Submissions
Other than as specifically precluded from release as stated above, any communication
or material You send to the Site, electronically or otherwise, including but
not limited to responses to lesson exercises and tests, data, questions,
comments, suggestions or submissions (but excluding Your social security
number) (collectively, "Submissions"), is and will be treated as
non-confidential and non-proprietary. By making a Submission to EBook.ModSoftKit.com
on the Site, You agree to grant and hereby grant to EBook.ModSoftKit.com and
any party authorized by EBook.ModSoftKit.com a non-exclusive, worldwide,
perpetual, irrevocable, assignable and transferable license to reproduce,
distribute, perform or display (publicly or otherwise), create derivative works
from and otherwise use and exploit the Submissions (and to authorize others to
do the same), in whole or in part and as may be edited or modified by EBook.ModSoftKit.com
or any party authorized by EBook.ModSoftKit.com, for any purpose whatsoever,
commercial or otherwise, in any form or media now existing or hereafter
devised, without obligation of any kind. You also agree not to make any
Submissions that violate or infringe in any way upon the rights of others
(including, without limitation, any copyright, trademark or other intellectual
property right) or that are otherwise unlawful. You will be solely liable for (and
will indemnify and hold harmless EBook.ModSoftKit.com and any party authorized
by EBook.ModSoftKit.com from) any damages arising from and relating to the
Submissions or the use thereof, in whole or in part, by EBook.ModSoftKit.com or
any party authorized by EBook.ModSoftKit.com.
Information Provided By EBook.ModSoftKit.com to You
Although EBook.ModSoftKit.com strives to provide Materials that are both useful
and accurate, laws, regulations, data and other information change frequently
and are subject to varying interpretations. In addition, the facts and
circumstances of every situation differ. Accordingly, the Materials may not be
up-to-date, accurate or complete. In particular, the Materials may not reflect
current legal developments, nor will they necessarily reflect the rules
applicable to each jurisdiction or factual circumstance. EBook.ModSoftKit.com
does not make any representations or warranties with respect to the
sufficiency, adequacy, accuracy, currency or reliability of the Materials and
will not be liable for any lack of the foregoing.
Links
The Site contains links to other Internet web sites, including affiliated web
sites which may or may not be owned or operated by EBook.ModSoftKit.com. EBook.ModSoftKit.com
has not reviewed all of the web sites which are linked to the Site, and EBook.ModSoftKit.com
has no control over such sites. Unless otherwise explicitly stated, EBook.ModSoftKit.com
is not responsible for the content of such web sites, any updates or changes to
such sites, or the privacy or other practices of such sites, and the fact that EBook.ModSoftKit.com
offers such links does not indicate any approval or endorsement of any material
contained on any linked site. EBook.ModSoftKit.com is providing these links to
You only as a convenience. Accordingly, we strongly encourage You to become
familiar with the terms of use and practices of any linked site. Further, it is
up to You to take precautions to ensure that whatever links You select or
software You download (whether from the Site or other sites) is free of such
items as viruses, worms, trojan horses, defects, date bombs, time bombs and
other items of a destructive nature.
No Financial, Credit-Related or Other Professional Advice
EBook.ModSoftKit.com hopes and believes that the Materials will be helpful as
an educational tool and for background reference, but they should not be
construed as financial, legal, accounting or other professional advice on any
subject matter. EBook.ModSoftKit.com has endeavored to comply with legal and
ethical requirements known to the EBook.ModSoftKit.com personnel who compiled
this Site, but EBook.ModSoftKit.com is not engaged in rendering financial,
legal, accounting or other professional services, and availability or use of
the Materials is not intended to create, and does not create, any fiduciary,
client, accounting-client or other professional services relationship.
Specifically, EBook.ModSoftKit.com is not and does not hold itself out to be a
collection agency, a credit reporting agency, a budget counseling agency or a
consumer credit counseling agency. Use of the Materials is not an adequate
substitute for obtaining financial, legal, accounting or other professional
advice from a professional licensed in Your jurisdiction. You agree You will
not act or refrain from acting based on any of the Materials without first
seeking the services of a competent professional.
No Forbearance or Delay of Foreclosure or other Action
EBook.ModSoftKit.com hopes and believes that the Materials contained on this
Site will be helpful to You and that the information will assist in the
resolution of the default under Your mortgage loan. However, Your use of this
Site and/or the completion of the material on this Site, will not cause any
type of delay, in any way, of the foreclosure process. Despite Your use of this
Site, the mortgage entity responsible for your mortgage loan will proceed with
its processes in the same manner as if you made no use of this site and nothing
contained in the Site shall be construed as any agreement for the delay and/or
extension of the foreclosure process, or the delay and/or extension any other
process being pursued by any mortgage banking entity.
No Warranties
Neither EBook.ModSoftKit.com nor any of its licensors or suppliers makes any
representations or warranties, either express or implied, of any kind with
respect to the Site, the Materials, any linked web site or any other content or
information available on or through the Site. All Materials, links and other
content and information available on or through the Site are provided "AS
IS" with no warranty. You agree that use of the Site and/or all Materials,
links and other content and information available on or through the Site is at
Your sole risk. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, EBook.ModSoftKit.com
AND ITS LICENSORS AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE, THE MATERIALS, ANY LINKED WEB
SITE OR ANY OTHER CONTENT OR INFORMATION AVAILABLE ON OR THROUGH THE SITE,
INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE AND NON-INFRINGEMENT.
Limitation on Liability
To the fullest extent permissible under applicable law, neither EBook.ModSoftKit.com
nor any of its licensors or suppliers, nor its or their directors, officers,
employees, consultants, agents or other representatives ("Service
Providers") will be liable for any damage, loss or expense of any kind
arising from or relating to Your access to or use of the Site, the Materials,
any linked web site or any other content or information available on or through
the Site, regardless of whether such liability is based in tort, contract, or
otherwise. In no event will EBook.ModSoftKit.com, any of its licensors or
suppliers, or any of its or their Service Providers be liable to any party for
any indirect, special or consequential damages arising from or relating to use
of or access to the Site, the Materials, any linked web site or any other
content or information available on or through the Site, including, without
limitation, any damages for loss of profits, business interruption, loss of
programs or other data, loss of goodwill, work stoppage, computer failure or
malfunction or otherwise, even if EBook.ModSoftKit.com or any of its licensors
or suppliers is expressly advised of the possibility of such damages.
No Agency. These Rules will not be construed as creating an agency, partnership, joint venture or any other form of association between the parties; and the parties will at all times be and remain independent contractors. Except as expressly agreed by the parties in writing, neither party will have any right or authority, express or implied, to assume or create any obligation of any kind, or to make any representation or warranty, on behalf of the other party or to bind the other party in any respect whatsoever.
Notices. Except as explicitly stated otherwise, any notices to EBook.ModSoftKit.com will be given by email to info@EBook.ModSoftKit.com or such other address as EBook.ModSoftKit.com specifies. Any notices to You shall be to the email address You provide to EBook.ModSoftKit.com during the registration process or the most current email address on file for you with EBook.ModSoftKit.com. Notice will be deemed given twenty-four (24) hours after an email is sent, unless the sending party is notified that the email address is invalid or the email is undeliverable. Alternatively, EBook.ModSoftKit.com may give You notice by certified mail, postage prepaid and return receipt requested, to the address provided to EBook.ModSoftKit.com during the registration process. In such case, notice will be deemed given three (3) days after the date of mailing.
Export Administration. You agree to comply fully with all relevant export laws and regulations, including but not limited to the laws and regulations of the United States and other countries ("Export Laws"), to assure that neither the Materials nor any direct product thereof are (1) exported, directly or indirectly, in violation of Export Laws; or (2) are used for any purposes prohibited by the Export Laws.
Governing Law. These Rules and the relationship between You and EBook.ModSoftKit.com, including, without limitation, Your use of or access to the Site, the Materials, any linked web site or any other content or information available on or through the Site, are to be construed in accordance with and governed by the internal laws of the State of Florida without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of Florida to the rights and duties of the parties. Each party hereby submits to the exclusive jurisdiction of the state and federal courts in Seminole County, Florida , and waives any jurisdictional, venue or inconvenient forum objections to such courts.
Severability. In the event that any provision of these Rules (or any portion hereof) is determined by a court of competent jurisdiction to be illegal, invalid or otherwise unenforceable, such provision (or part thereof) will be enforced to the fullest extent possible consistent with the purpose of such provision (or part thereof), or, if incapable of such enforcement, will be deemed to be severed and deleted from these Rules, while the remainder of the Rules will continue in full force and remain in effect according to its stated terms and conditions.
No Waiver. No failure or delay by either party in exercising any right, power or remedy under these Rules will operate as a waiver of any such right, power or remedy. No waiver of any provision of these Rules will be effective unless in writing and signed by the party against whom such waiver is sought to be enforced.
Disclosures. The Site is operated by EBook.ModSoftKit.com and all access to and use of the Site, the Materials or any other content or information available on or through the Site shall be deemed to occur in Saint Petersburg, Florida . This Site is not operated by the various mortgage banking entities related to the borrower. The terms of any agreement between a EBook.ModSoftKit.com and the mortgage banking entity related to the borrower will have no effect on or relation to these Rules.
Entire Agreement. These Rules constitute the complete agreement between the parties and supersede all prior or contemporaneous agreements or representations, written or oral, concerning the subject matter of these Rules. Any amendments to these Rules by EBook.ModSoftKit.com will be effective when posted on the Site for seven (7) days. Nothing in these Rules will limit or supersede any of EBook.ModSoftKit.com's By-Laws or Operating Regulations (collectively the "Regulations"), all of which continue to govern the relationship between EBook.ModSoftKit.com and the government or mortgage banking entities that contract with EBook.ModSoftKit.com. In the event of any apparent conflict between the terms of these Rules and the Regulations, the Regulations will govern.
If You have any questions, comments, criticisms, or complaints about EBook.ModSoftKit.com or this Site, please email EBook.ModSoftKit.com at notices@EBook.ModSoftKit.com.
BY REGISTERING AN ACCOUNT, YOU ACKNOWLEDGED THAT (1) YOU HAD READ AND REVIEWED THESE RULES IN THEIR ENTIRETY, INCLUDING ANY RELATED THIRD-PARTY SOFTWARE LICENSE AGREEMENTS, (2) YOU AGREED TO THESE RULES, (3) YOU AGREED THAT YOU HAD THE POWER, AUTHORITY AND LEGAL RIGHT TO ENTER INTO THIS AGREEMENT ON BEHALF OF YOU AND, BY SO CLICKING, THESE RULES CONSTITUTED BINDING AND ENFORCEABLE OBLIGATIONS OF YOU.
Security Policy - Privacy is a primary concern of EBook.ModSoftKit.com. It is our goal to protect your privacy, and to make sure you feel comfortable and secure using this program. You can be assured that your personal information will remain protected and encrypted. Below are some frequently asked security questions and answers to put you at ease. Enjoy the program.
Q: What can I do to protect my personal information while I'm using EBook.ModSoftKit.com?
A: EBook.ModSoftKit.com takes numerous steps to keep your information secure,
but you also play a role in maintaining the security of your information.
Here's what you can do:
- Choose a secret password
- We recommend that you do not use your name or email as your password. Instead use letters together with numbers in a password (for example: LoanHelp123).
- Memorize your password and store it in a safe place
- Your online password verifies your identity when you begin each EBook.ModSoftKit.com session. You should memorize this password and write it down in a place only you have access to. Don't reveal it to anyone.
- Change your password regularly.
- It's important to change your password regularly, which you can easily do after you login to a EBook.ModSoftKit.com session. You may change your password in the Edit section of your account.
Q: What security measures are taken to prevent sensitive information from
being intercepted online?
A: From the moment sensitive information leaves your computer, anytime
sensitive information is passed, then sessions are encrypted. This means your
password, as well as all other information relating to you employ some of the
best forms of cryptography that are commercially available for use over the
internet. If for any reason your secure session ends, your EBook.ModSoftKit.com
session will automatically terminate.
Q: Why can I only use certain browsers for EBook.ModSoftKit.com?
A: EBook.ModSoftKit.com reviews browsers to see whether they operate
appropriately in regard to security and functionality. In particular, we look
closely at the following security features:
- No storage of sensitive
information
- EBook.ModSoftKit.com requires that browsers not record borrower's information on their computers' hard drives. Also, sensitive information will not be downloaded to your local drive.
- Encryption
- EBook.ModSoftKit.com requires the browser to make use of a superior type of encryption. While many browsers provide high levels of security, very few browsers meet all of EBook.ModSoftKit.com's security and functionality requirements.
Q: What are EBook.ModSoftKit.com's requirements for approved browsers?
A: EBook.ModSoftKit.com's minimum requirement for approved browsers is the
standard 128-bit encryption. The latest releases of Microsoft Internet Explorer
and Netscape Navigator come with this encryption.
Q: What are cookies? Can I get rid of them?
A: Some sites may track your activity with a "cookie," a block of
text the site places in a file on your computer's hard drive. A code in the
cookie file enables the site to label you as a particular user. However, it
doesn't identify you by name or address unless you've provided the site with
such information or set up preferences in your browser to do so automatically.
Newer versions of browser software let you decide whether you want to receive
cookie files, and some programs notify you when a Web site is about to deposit
a cookie on your hard drive. You can check for cookies on your computer. If you
have a PC, look for a file on your hard drive called "cookies.txt" or
for a file labeled "magic cookies" if you have a Macintosh. There are
also utility software programs (called "cookie cutters" or
"anonymizers") that allow you to edit cookie files selectively within
Web browsers.
Q: How does encryption work?
A: Everything that travels through the internet during your online session-from
your password to your sensitive personal information-becomes a string of
unrecognizable numbers before entering the Internet. Both EBook.ModSoftKit.com
computers and the browser you use to surf the web understand the mathematical
formulas, called algorithms, which turn your banking session into numeric code
and back again into meaningful information.
These algorithms serve as locks on the doors of your information. And while EBook.ModSoftKit.com and your computer can easily translate this code back to meaningful language, this process would be almost impossible for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula-but only one that will work. Every time you begin a EBook.ModSoftKit.com session, your computer agrees on a random number that serves as the key for the rest of the conversation. What that random number is depends largely on the strength of encryption used by your browser.
Q: What type of encryption do I need?
A: EBook.ModSoftKit.com requires you to use 128-bit encryption (also called
"high" or "strong" encryption).
Note: Currently, browsers that offer 128-bit encryption can only be used by citizens and permanent residents of the United States and citizens of Canada, and it can only be downloaded to locations in the United States or Canada.
Accessibility Statement
The EBook.ModSoftKit.com website has been designed with Accessibility in mind.
Design
Where appropriate, all imagesdavid have been assigned alternative text.
Where appropriate, relative font sizes have been used; this will allow the user
to enlarge the text size in visual browsers.
Where appropriate, all links are written to make sense out of the context.
The use of headings/subheadings, lists and tables have been used to make this
site more usable.
All forms use server side validation and where appropriate the element, making
them more accessible by screen readers. Standards Compliance
It is believed that this site meets all Priority 1 guidelines of the W3C Web
Content Accessibility Guidelines, and where possible most of the Priority 2
guidelines.
All pages are HTML 4.01 validated for better cross browser compatibility.
We have tried to use Cascading Style Sheets (CSS) as much as possible for
layout and presentation. All pages are CSS 2.0 validated.
Resizing the Text
Internet Explorer Users:
On your browser toolbar, select View and then Text Size.
Netscape 7.0 users:
On your browser toolbar, select View and then Text Zoom.
Firefox users:
On your browser toolbar, select View and then Text Size.
Other Browsers:
Please refer to your user documentation.
Accessibility Tools
W3C
We have used the W3C accessibility guidelines to help make EBook.ModSoftKit.com
more accessible.
If you have difficulty accessing this site or have any comments, please email us at support@EBook.ModSoftKit.com.