In using this website you are deemed to have read and agreed to the following terms and conditions:
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your"
refers to you, the person accessing this website and accepting the Company's terms and conditions.
"The Company", "Ourselves", "We" and "Us", refers to the website www.REOIndustryDirectory.com, also includes the operator of REOID.com, REO Industry Directory.
"Party", "Parties", or "Us", refers to both the Client and the Company, or either the Client or the Company.
All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most
appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client's needs in respect
of provision of the Company's stated services/products.
Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore
as referring to same.
REO Industry Directory goes to work for you right away. Featured Memberships subscriptions give Featured User profiles maximum visibility by listing
them on the REO Agent Map in their area, as well as listing them above Basic Member search results. We allow refunds within 24 hrs on Featured Member placements.
For Featured members with yearly or semi-annually membership subscriptions, you must send us an email to
firstname.lastname@example.org with your request no later than 10 days after your subscription was
re-initiated automatically, if you wish to receive a refund.
Our REO Training course is an intro course for beginners and provides information about listing REO and BPOs. Sales are final for REO Training courses.
Sorry, once you own it, you can’t un- own the info. Please refer to the product sample pages and information for all purchases. Defective or scratched
CDs or DVDs will be replaced within 7 business days.
The REO 100 Bank List is a pdf document with the names and/or web addresses of up to 100 lenders and asset management companies. Sales are final for the
REO 100 Bank List. Sorry, once you own it, you can’t un-own the info. Please refer to the product sample pages and information for all purchases.
ADDITIONALLY, BY USING THE SERVICE, YOU UNDERSTAND AND AGREE THAT THE COMPANY IS NOT ENGAGING IN THE BUSINESS OF REAL ESTATE BROKERAGE OR MANAGEMENT
AND IS NOT REPRESENTING YOU AS A REAL ESTATE AGENT OR BROKER OR PROPERTY MANAGER. BY USING THE SERVICE, YOU MAY COME INTO CONTACT WITH OR USE THE SERVICES
OF VARIOUS REAL ESTATE AGENTS OR BROKERS, VENDORS, ADVERTISERS OR OTHER THIRD PARTIES. THE COMPANY IS AN INDEPENDENT WEB-BASED PROVIDER OF REAL ESTATE
RELATED DIRECTORY SERVICES AND CONTENT AND DOES NOT CONTROL OR SUPERVISE WITH SAID AFFILIATES, AGENTS, BROKERS, VENDORS, ADVERTISERS OR OTHER THIRD PARTIES,
AND THE COMPANY IS NOT RESPONSIBLE FOR THEIR ACTIONS, AS FURTHER DESCRIBED IN SECTION 10 BELOW.
features, links and functionality (collectively, the "Service") branded or available under the Web site, REOindustrydirectory.com("THE COMPANY").
Reference to the term "THE COMPANY" also includes the operator of REOID.com, REO Industry Directory. The Service features and capabilities may vary depending on
all refer to the person or entity using the Service in any way.
Acceptable Use Policy
Permitted Uses and Restrictions on Use
on the Internet. You have only a limited, non-exclusive, non-transferable ability to use the Service for your personal or internal business operations.
do not access the Service. In order to use the Service, You must at your own expense obtain access to the Internet, either directly or through devices
that access web-based content. In addition, you must provide all equipment necessary to make such connection to the Internet, including a computer and
modem or other access device. The Service supports users whose principle residence or place of business is within the United States of America and U.S. Territories.
Registration and Content
In consideration of your use of the Service, you agree to:
If you provide any information that THE COMPANY
has reasonable grounds to suspect is untrue, inaccurate, not current or incomplete, THE COMPANY may suspend or terminate your account and refuse any
and all current or future use of the Service (or any portion thereof). By using the Service and submitting data, files, software, text (including
but not limited to names of files, databases and directories), software, music, sound, photographs, video or any other material (collectively, the "Content")
to THE COMPANY or a third party in connection with this Service, you represent and warrant that:
provide true, accurate, current and complete information about yourself as prompted by the Service's registration form(s) ("Registration Data") and
maintain and promptly update the Registration Data to keep it true, accurate, current and complete.
The Content may include, but is not limited to, property addresses and characteristics, property photographs, sale price information, dates and names
of parties including buyers, sellers, landlords , tenants, agents, agencies and vendors. By submitting Content and Personal Information (as defined in the
non-terminable, royalty-free, sublicensable and transferable license to use, reproduce and prepare derivative works of such Content and Personal Information
for any lawful purpose and to display, distribute, give away or sell such Content and Personal Information to any party or parties not prohibited by law in
any media format and through any media channels.
- you are the owner of such Content, and
- the use of Content by THE COMPANY will not infringe or misappropriate the intellectual property rights or otherwise violate the rights of any third party.
Access, Password, The Company and Security
You may designate up to the number of users under
your account which correspond to the level of Service you are receiving from THE COMPANY, and you may provide and assign access and password to such users.
You will be responsible for the confidentiality and use of your access number(s), password(s), and account number(s). you will be responsible for all electronic
communications, including account registration and other account holder information, course information and other data including any Content
("Electronic Communications") entered through or under your access number(s), password(s) or account number(s). THE COMPANY will assume that any Electronic
Communications it receives under your access number(s), password(s) or account numbers(s) will have been sent by you. You agree to immediately notify THE COMPANY
if you become aware of any loss or theft or unauthorized use of any of your access number(s), password(s) and/or account number(s).
By submitting any Content to THE COMPANY, you warrant that:
- you are the owner of such Content, and
the use of such Content by THE COMPANY will not infringe or misappropriate the intellectual property rights of or otherwise violate the rights of
any third party. You agree to not use the Service to:
- interfere with or disrupt the Service or servers or networks connected to the Service;
violate any applicable law or regulation, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange
Commission and any rules of any securities exchange; and
- incite or provide instructional information about illegal activities.
General Practices Regarding Use, Storage and Service Access
You acknowledge that THE COMPANY may establish from time to time general practices and limits concerning use of the Service, including without limitation,
establishing the maximum amount of storage space you have on the Service at any time, as well as limiting the number of times (and the maximum duration for which)
you may access the Service in a given period of time. You agree that THE COMPANY has no responsibility or liability for the deletion or failure to store any
messages and other communications or other Content maintained or transmitted to or from the Service. As a condition of use for this Service, you agree that,
in the event of an error with your Service, a Service technician shall be permitted to access your information as necessary to resolve the problem.
You acknowledge that THE COMPANY reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.
6.1 Modifications to the Service. THE COMPANY reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently,
the Service (or any part thereof). You agree that THE COMPANY shall not be liable to you or to any third party for any modification, suspension or discontinuance
of the Service or loss of access to the Content. THE COMPANY may specify from time to time the version(s) of related products required in order to use the Service
(e.g. supported browser versions).
is currently bound by or will be bound by in the future, and/or with applicable law, as well as to adjust to changing business circumstances. Your use of the
cease all access and use of the Service. You agree that such termination of your use of the Service will be your sole and exclusive remedy if you do not wish
You agree to pay the then-current fees associated with the Service you choose. When you subscribe and provide payment information your credit card or bank
account will be debited. THE COMPANY reserves the right to modify its fees with or without notice.
Termination and Indemnity
You acknowledge and agree that THE COMPANY may suspend or terminate your account and/or deny you access to, use of, or submission of Content for, all or
part of the Service, without prior notice, if you engage in any conduct that THE COMPANY believes, in its sole discretion:
In addition, THE COMPANY reserves the right to terminate inactive membership accounts. You agree that upon termination of the Service, either by you or
THE COMPANY, THE COMPANY may delete all Content and information related to your account and may bar your access to your account and the Service including,
but not limited to, access to any of your Content entered into or used in connection with the Service. Further, you agree that THE COMPANY shall not be
liable to you or any third-party for any termination of your access to the Service. You agree to defend, indemnify and hold THE COMPANY harmless from and
against any and all claims, losses, liability costs and expenses (including but not limited to attorneys' fees and expenses) arising from:
- violates the rights of THE COMPANY or third parties,
- or is otherwise inappropriate for continued access and use of the Service.
intellectual property rights, violation of any proprietary right and invasion of any privacy rights. This obligation shall survive the termination of Service.
The Service may provide links or references to other Internet sites or resources. You acknowledge and agree that THE COMPANY is not responsible for the availability
of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available
from such sites or resources. You further acknowledge and agree that THE COMPANY shall not be responsible or liable, directly or indirectly, for any damage or
loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or
THE COMPANY and Third Party Proprietary Rights
You acknowledge and agree that the Service contains proprietary and confidential information that is protected by applicable intellectual property and other laws.
You further acknowledge and agree that content contained in sponsor advertisements or information that may have been presented to you through the Service or
advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws.
No Resale, Etc. of the Service
You agree not to copy, sell, resell, rent or sublicense (including offering the Service to third parties on an applications service provider or time-sharing basis),
lease, loan, give, redistribute, or create a derivative work of any portion of the Service, use of the Service, or access to the Service. You agree not to access
the Service by any means other than through the interface that is provided by THE COMPANY for use in accessing the Service. You may not use, copy, modify or
transfer the Service, in whole or in part, except as expressly provided in these Terms and Conditions. You agree to not make any attempt to decompile,
disassemble or reverse engineer the Service or otherwise discover or derive the source code or underlying processes, ideas, structure, organization or
algorithms of the Service.
Disclaimer of Representations and Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE AND ANY CONTENT OR ADD-ON FEATURES THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE"
BASIS. THE COMPANY AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO
THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
THE COMPANY AND ITS SUPPLIERS MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE AND ANY CONTENT OR ADD-ON FEATURES THROUGH THE SERVICE
THE COMPANY EXPRESSLY DISCLAIMS ANY REPRESENTATIONS OR WARRANTIES THAT ANY LAWS OR REGULATIONS DESCRIBED IN THE SERVICE HAVE BEEN DESCRIBED ACCURATELY OR
COMPLETELY AND THAT YOUR USE OF THE SERVICE WILL SATISFY ANY STATUTORY OR REGULATORY OBLIGATIONS, OR WILL ASSIST WITH, GUARANTEE OR OTHERWISE ENSURE COMPLIANCE
WITH ANY APPLICABLE LAWS OR REGULATIONS. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF THIS SERVICE OR CONTENT IS IN ACCORDANCE WITH APPLICABLE LAW.
- WILL MEET YOUR PERSONAL OR PROFESSIONAL REQUIREMENTS OR RESULT IN REVENUES OR PROFITS,
- WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE,
- WILL PROVIDE RESULTS THAT ARE ACCURATE OR RELIABLE, AND
- WILL MEET YOUR QUALITY OF ANY PRODUCTS, SERVICE, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE.
ANY CONTENT OR MATERIAL TRANSFERRED FROM, DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE OR ADD-ON FEATURES THROUGH THE SERVICE ARE DONE AT YOUR
OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA AND/OR CONTENT THAT RESULTS FROM THE TRANSFER
OR DOWNLOAD OF ANY SUCH MATERIAL.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMPANY OR THROUGH OR FROM THE SERVICE OR ADD-ON FEATURES THROUGH THE SERVICE SHALL
Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE COMPANY AND ITS SUPPLIERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL
OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, CONTENT OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM:
- THE USE OR THE INABILITY TO USE THE SERVICE, CONTENT AND/OR ANY INFORMATION;
THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, CONTENT, INFORMATION OR SERVICE PURCHASED OR OBTAINED OR
MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE;
- UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT;
- STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR
- ANY OTHER MATTER RELATING TO THE SERVICE;
YOU ALSO AGREE THAT THE COMPANY WILL NOT BE LIABLE FOR ANY
- INTERRUPTION OF BUSINESS,
- ACCESS DELAYS OR ACCESS INTERRUPTIONS TO THIS SITE OR THE WEB SITE(S) YOU ACCESS THROUGH THIS SERVICE;
- CONTENT NON-DELIVERY, MIS-DELIVERY, ERRORS, OMISSIONS, CORRUPTION, DESTRUCTION OR OTHER MODIFICATION; OR
- EVENTS BEYOND THE COMPANY'S REASONABLE CONTROL; AND
- IN NO EVENT SHALL THE COMPANY'S MAXIMUM AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY FOR THE SERVICE, BUT IN NO EVENT GREATER
THAN ONE HUNDRED DOLLARS ($100.00). SOME STATES MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY FOR CONSEQUENTIAL OR
INCIDENTAL DAMAGES, IN SUCH STATES, THE COMPANY’S LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW.
matter. You also may be subject to additional terms and conditions that may apply when you use affiliate, advertising or other THE COMPANY services,
State of California without regard to any conflict of law provisions. You and THE COMPANY agree to submit to the personal and exclusive jurisdiction of the state
not limit any rights that THE COMPANY may have under trade secret, copyright, patent, trademark or other laws. The failure of THE COMPANY to exercise or enforce
year after such claim or cause of action arose but no later than one (1) year after your use of the Service has terminated for any reason or be forever barred.
shall inure to the benefit of THE COMPANY and its successors and assigns.
THE COMPANY does not discriminate on the basis of race, color, sex, religion, national origin, handicap, familial status or any other legally protected class
in the establishment of fees, entrance qualifications or standard for the use of the Service.
Responsibility for Content
You understand that all Content, whether publicly posted or privately transmitted, is the sole responsibility of the person from which such Content originated.
This means that you and other third parties, and not THE COMPANY, are entirely responsible for all Content that you upload or otherwise view or transmit via the
Service. THE COMPANY does not control the Content uploaded or otherwise transmitted by you or other third parties via the Services and, as such, does not guarantee
the accuracy, integrity or quality of such Content.
You agree to not use the Services to:
upload or otherwise transmit any Content or domain name that is unlawful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene,
libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
- harm or exploit minors in any way;
- impersonate any person or entity, including, but not limited to, any THE COMPANY representative, or misrepresent your affiliation with any person or entity;
- forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Services;
upload or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual relationships
(including but not limited to inside information, proprietary and confidential information learned or disclosed as part of employment relationships
or under nondisclosure agreements);
upload or otherwise transmit any Content or domain name that infringes any patent, trademark, trade secret, copyright or other proprietary rights of
upload or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail", "spam", "chain letters",
"pyramid schemes", or any other form of solicitation, except in those areas of the Services that may be expressly designated for such purpose;
upload or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt,
destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
- interfere with or disrupt the Services or servers or networks connected to the Services;
violate any applicable law or regulation, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission and
any rules of any securities exchange, and laws regarding the export of technical data;
- incite or provide instructional information about illegal activities; or
- conduct raffles, contests, lotteries or sweepstakes, except in those areas of the Services that may be expressly designated for such purpose.
Collection of your Personal Information
THE COMPANY will ask you when information is needed that personally identifies you or allows THE COMPANY to contact you to provide the Service or carry out a transaction
that you have requested such as receiving information about THE COMPANY services, joining a limited- access THE COMPANY site or service, or signing up for an event.
The personal information THE COMPANY collects may include, but not be limited to, your name, title, company or organization name, work or personal e-mail, work or
personal phone, work or home address, information about your job function, information about your company, and credit or debit card information (collectively,
THE COMPANY may collect certain information about your visit, such as the name of the Internet service provider and the Internet Protocol (IP) address through which
you access the Internet; the date and time you access THE COMPANY; the pages that you access while on THE COMPANY and the Internet address of the Web site from which
you linked directly to THE COMPANY. The foregoing is also considered Personal Information. The Personal Information is used to help improve THE COMPANY, and analyze trends,
administer THE COMPANY and for any other lawful purpose. THE COMPANY may collect information about your hardware and software in order to provide a requested service.
Use of your Personal Information and Content
out the transaction(s) you have requested or authorized and for any other lawful purpose. The Personal Information and Content are sometimes collectively referred to herein
as "Information." THE COMPANY may use Information to provide you with more effective customer service, to improve THE COMPANY and any related THE COMPANY services,
and to make THE COMPANY easier to use by eliminating the need for you to repeatedly enter the same information or by customizing THE COMPANY to your particular preference or
interests. In order to offer you a more consistent experience in your interactions with THE COMPANY, Information collected by THE COMPANY may be combined with Information
collected by other THE COMPANY services.
THE COMPANY may use Information to provide you with information about the Service that you are using, including critical updates and notifications. Additionally,
THE COMPANY services, and/or share, distribute, give or sell the Information (not including any personal financial information such as credit or debit card information)
to anyone it desires, including but not limited to the general public and to THE COMPANY partners, subsidiaries, parents, affiliates, joint venturers, customers, vendors,
successors, assigns and other interested parties.
THE COMPANY may disclose Personal Information if required to do so by law or in the good faith belief that such action is necessary to
Security of your Personal Information
- conform to the requirements of the law or comply with legal process served on THE COMPANY;
- protect and defend the rights or property of THE COMPANY and THE COMPANY’s family of Web sites; or
- act in urgent circumstances to protect the personal safety of THE COMPANY employees or agents, users of THE COMPANY products or services, or members of the public.
THE COMPANY is committed to protecting the security of your Personal Information. THE COMPANY uses a variety of security technologies and procedures to help protect your
Personal Information from unauthorized access, use, or disclosure. For example, THE COMPANY stores the Personal Information you provide on computer servers with limited
access that are located in controlled facilities. Additionally, when THE COMPANY transmits sensitive Personal Information (such as a credit card number) over the Internet,
THE COMPANY protects it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only
be read by a Web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time.
For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. This simplifies the
process of delivering relevant content, eases site navigation, and so on. When you return to the Web site, the information you previously provided can be retrieved,
so you can easily use the site's features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies
if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of THE COMPANY or other Web sites you visit.
Changes to this Policy