Mortgage and Luxury California Real Estate
TERMS & CONDITIONS
 
K Pacific Group and its subsidiaries and corporate affiliates (collectively, "K Pacific Group") operate a family of Web sites and associated Web pages. K Pacific Group refers to this group of Web sites as the K Pacific Group. Any person accessing or using the K Pacific Group Site is referred to as "you".
 
Acceptance of Terms
 
By accessing or using any part of the K Pacific Group Site or the services provided on it or other Web sites as set forth below (collectively, the "Services"), you agree to accept and comply with the terms, conditions, and notices stated herein and as may be modified by K-Pacific Group from time-to-time without notice to you (the "Terms of Use"). These Terms of Use constitute a binding contract between K Pacific Group and you. You are responsible for regularly reviewing the Terms of Use. You can review the most current version of the Terms of Use at any time at: http://www.kpgrp.com/terms.php . If you do not wish to be bound by these Terms of Use, please do not access or use any part of the K Pacific Group Site.
 
Additional terms may govern use of certain Web sites or Web pages within the K Pacific Group Site. In the event that any provision, term or guideline contained on a particular Web site or Web page in the K Pacific Group Site conflicts with the Terms of Use, the terms of such Web site or Web page shall control over the Terms of Use except with respect to the General Terms set forth below, which shall at all times control.
 
General Use of the K Pacific Group Site
 
Unless specified otherwise, K Pacific Group offers you access to the K-Pacific Group Network solely for your personal and non-commercial uses. You agree to only access or use the K Pacific Group Site only for legal purposes that are permitted by the Terms of Use. Among other things, you agree not to:
 
except with the express written permission of K Pacific Group, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the K Pacific Group Site, including without limitation, engaging in the practices of "screen scraping, "database scraping", or any other activity with the purpose of obtaining lists of users or other information; damage, disable, overburden, or impair the K Pacific Group Site or interfere with any other party's use and enjoyment of the K Pacific Group Site; obtain or attempt to obtain any materials or information through any means not made readily accessible by K Pacific Group through the K Pacific Group Site. Except with the express written permission of K Pacific Group, you agree that you will not access or attempt to access password protected, secure or non-public areas of the K Pacific Group Site.
 
Except with the express written permission of K Pacific Group, you agree that you will not create links from any Web site or Web page to any page within the K Pacific Group Site; provided however upon prior written notice to K Pacific Group at info@agnoses.com, you may create a link directly to any of the K Pacific Group Site home page is currently located at http://www.kpgrp.com/. The origin of any link to any K Pacific Group Site home page must be accompanied by a clear and prominent attribution indicating that the link is connected to the K Pacific Group Site home page. By creating a link to the K Pacific Group Site, you agree that (a) you will not employ any technology that results in the placement of content from the K Pacific Group Site in a frame and/or a reduced pop-up window and/or any other display mechanism which changes appearance of the K Pacific Group Site from how it would appear if a user typed the URL in a typical browser line, (b) your site shall not display content or link to other web sites that contain content that is illegal, obscene, indecent, disparaging, discriminating or otherwise offensive, (c) you have duly registered your domain name and possess all rights necessary to use the same, and (d) you shall not in any manner access, collect, store, disclose, transfer or use any information obtained or derived from a user's access to or use of the K Pacific Group Site. K Pacific Group reserves the right to revoke your permission to create such link at any time in its sole discretion and you agree to immediately cease using the link at any time that K Pacific Group so requests.
 
You agree that K Pacific Group may in its sole discretion and at any time terminate your access to and use of the K Pacific Group Site, or any part thereof, with or without notice. You further agree that use of the K Pacific Group Site and any of its Services shall be immediately terminated if you violate these Terms of Use. In addition, K Pacific Group reserves the right, in its sole discretion, to modify or discontinue the Services or any portion thereof, with or without notice, and without liability to you.
 
The Services provided through the K Pacific Group Site may also be located on third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these Services is an offer or promise by K Pacific Group to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. In addition, K Pacific Group does not make any representation or warranty with respect to such third party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You are responsible for confirming the sufficiency and reliability of any third party Services, and you hereby release K Pacific Group from any and all claims, demands, liability and damages (actual or consequential) of every kind and nature, known and unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with your use of such Services. Further, please note that certain of the interactive Services may be financial or mortgage tools that provide information and customized information based on user-inputted data. These tools are for the purpose of performing calculations, and are not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary.
 
You acknowledge that K Pacific Group is not a real estate broker, mortgage broker or mortgage lender, and K Pacific Group does not aid or assist borrowers in obtaining, solicit borrowers or lenders for, negotiate or make loans secured by liens on real property.
 
Please note that you may be subject to additional and/or different terms, conditions, and privacy policies when you use third party Services, Content (as defined below), software or sites.
 
Content Contained in the K Pacific Group Site
 
The K Pacific Group Site and all of its contents including, but not limited to, all information, text, messages, images, photos, illustrations, designs, icons, video clips, sounds, files, trademarks, copyrighted material, trade dress, software, specifications, catalogs, literature, technical information, advertisements and other content or materials on the K Pacific Group Site (collectively, "Content") is owned by K Pacific Group and/or third parties with all rights reserved unless otherwise noted.. K Pacific Group grants you a limited license to access and use the K-Pacific Group Network and Content solely for informational, personal and non-commercial purposes (including printing individual pages from the K Pacific Group Site provided that you retain all copyright and other proprietary notices contained thereon). You are strictly prohibited from downloading (other than page caching) modifying, or making any other use of the K Pacific Group Site or Content, except with express written consent of K Pacific Group. You understand that all third party Content posted on, transmitted through, or linked from the K Pacific Group Site, is the sole responsibility of the third party originator of such Content. Content is provided through the K Pacific Group Site AS IS, and you agree that the use of and reliance on any Content is at your own risk, and that under no circumstances shall K Pacific Group be liable for any Content or for any loss or damage of any kind incurred as a result of the use of any Content made available via the Services.
 
Content You Provide
 
To the extent that you post, upload, input, submit or otherwise transmit (collectively, "Transmit" or "Transmitting" as appropriate) Content on or through the K Pacific Group Site, you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity. You are entirely responsible for all Content that you provide or otherwise make available via the K Pacific Group Site. You also warrant and represent that you own or otherwise control all of the rights to such Content including, without limitation, all the rights necessary for you to Transmit such Content, and to transfer your or others’ interests in such Content to K Pacific Group as provided below.
 
You promise that you will not use the K Pacific Group Site to:
 
Transmit any Content not related to appropriate subject matters; which is misleading to others, including consumers; that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable; that you do not have a right to post and transmit under any law or under contractual relationships; such that such posting, uploading, or transmission constitutes the infringement of any patent, trademark, trade secret, copyright or other proprietary rights of any party; and materials that contain 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; or intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law, including the Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act.
 
By Transmitting Content to the K Pacific Group Site, you grant, and you represent and warrant that you have the right to grant, to K Pacific Group an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute the Content and to prepare derivative works of, or incorporate into other works, the Content, and to grant and authorize sublicenses (through multiple tiers) of the foregoing. Furthermore, by posting Content to any public area of the K Pacific Group Site, you grant K Pacific Group all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content on the K Pacific Group Site by any party for any purpose.
 
K Pacific Group is committed to maintaining the privacy and security of any and all such information that you provide to K Pacific Group through the K Pacific Group Site in accordance with its Privacy Policy.
 
General Terms
 
Applicable Law
 
This Terms of Use is governed by the laws of the State of California, U.S.A. without regard to conflicts of laws principles. You hereby consent to the exclusive jurisdiction and venue of courts sitting in California, County of Orange of California in all disputes arising out of or relating to accessing or using of the K Pacific Group Site. Access or use of the K Pacific Group Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
 
You agree that no joint venture, partnership, employment, or agency relationship exists between you and K Pacific Group as a result of the Terms of Use or accessing or using the K Pacific Group Site. K Pacific Group's performance under the Terms of Use is subject to existing laws and legal process, and nothing contained in the Terms of Use is in derogation of K Pacific Group's right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the K Pacific Group Site or information provided to or gathered by K Pacific Group with respect to such use.
 
Interpretation of the Terms of Use
 
If any part of the Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations contained herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Unless otherwise specified herein (or in any other definitive written agreement between you and K Pacific Group), the Terms of Use constitutes the entire agreement between you and K-Pacific Group with respect to the K Pacific Group Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and K Pacific Group with respect to the K Pacific Group Site. A printed version of the Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
 
Disclaimer of Warranties
 
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE UPON ANY AND ALL OF THE K PACIFIC GROUP SITE, SERVICES AND/OR CONTENT IS AT YOUR SOLE RISK AND IS MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. K PACIFIC GROUP MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF THE K PACIFIC GROUP SITE, SERVICES AND/OR CONTENT. K PACIFIC GROUP EXPRESSLY DISCLAIMS ALL 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.
 
Indemnification
 
YOU AGREE TO INDEMNIFY AND HOLD K PACIFIC GROUP, ITS THIRD-PARTY VENDORS, CORPORATE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD-PARTY DUE TO OR ARISING OUT OF ANY CONTENT, SUBMITTED, POSTED, OR OTHERWISE PROVIDED BY YOU TO THE K PACIFIC GROUP SITE AND/OR K PACIFIC GROUP AND/OR ITS THIRD PARTY ADVERTISERS AND ANY BREACH BY YOU OR YOUR AFFILIATES, EMPLOYEES, AGENTS AND REPRESENTATIVES OF THESE TERMS OF USE.
 
Limitation of Liability
 
IN NO EVENT SHALL K PACIFIC GROUP BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE K PACIFIC GROUP, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE K PACIFIC GROUP SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE K PACIFIC GROUP SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE K PACIFIC GROUP, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF K PACIFIC GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. ANY SERVICES OR CONTENT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE K PACIFIC GROUP SITE, AND ALL OTHER USE OF THE K PACIFIC GROUP SITE, IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS THEREFROM.
 
IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
 
Copyright
 
All materials on the K Pacific Group site are owned and copyrighted or licensed by K Pacific Group, its corporate affiliates or its third-party vendors. © K Pacific Group, all rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on the K Pacific Group is permitted without the written permission of K Pacific Group. Any rights not expressly granted herein are reserved.
 
Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to K Pacific Group's Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.
 
IP Administrator: info@agnoses.com
 
Location

Newport Beach Address
1400 Quail Street Suite 275
Newport Beach, CA 92669
 
Toll-Free: 877-556-2601 (877-5LOAN01)
eFAX: 949-259-4527
 
contact@kpacificmortgage.com
 
CA Real Estate License No.  01921888 | NMLS #1041553
 View K Pacific Group Active License on dre.ca.gov site

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