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Terms & Conditions

General Terms of Service

 

  • Ownership and Operation: The website is owned and operated by ORANGEMORTGAGE.CO (“ORANGEMORTGAGE.CO,” “we,” or “us”).

  • Agreement to Terms: By using the Site (in any manner, automated or otherwise), you agree to be bound by the Terms of Service, the Privacy Policy, and any additional applicable terms and conditions.

  • Changes to Terms: We reserve the right to change these Terms of Service. Changes will be posted on the website, and your continued use of the Site after such changes constitutes your acceptance of the modified Terms.

Intellectual Property Rights

 

Our Limited License to You

 

  • Ownership of Materials: The Site and all materials on it are the property of us and/or our affiliates or licensors, protected by copyright, trademark, and other intellectual property laws.

  • Permitted Use: The Site is provided solely for your personal noncommercial use.

  • Restrictions: Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute any material from the Site.

  • Limited Exception: You may occasionally download and/or print one copy of individual pages for personal, non-commercial use, provided all copyright and proprietary notices are kept intact.

Your License to Us

 

  • Representation: By posting or submitting material (comments, photos, videos, etc.) to us via the Site, social media, email, text, or otherwise, you represent that:

    • You are the owner of the material or have the owner’s express consent.

    • You are thirteen years of age or older.

  • Grant of License: You grant us and anyone authorized by us a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material for any purpose.

  • Right of Identification: You grant us the right to identify you as the author of your postings/submissions by name, email, or screen name.

  • “Work Made for Hire” (U.S. Copyright Law): Any contributions originally created for us that qualify as a “work made for hire” will have copyrights belonging to ORANGEMORTGAGE.CO from their creation.

    • If a submission is not deemed a “work made for hire,” you irrevocably assign, convey, and transfer all proprietary rights (including copyrights and trademarks) to ORANGEMORTGAGE.CO.

    • Reproductions of prior works by you shall be co-owned by us.

  • Right to Use/Display: ORANGEMORTGAGE.CO has the right, but not the obligation, to use and display your postings/contributions and may elect to cease the use at any time.

Limitations on Linking and Framing

 

  • You may establish a hypertext link to the Site as long as it does not imply sponsorship.

  • You may not frame or inline link any content, or incorporate our material into another website or service, without our prior written permission.

Disclaimers

 

  • Third-Party Links: Links and pointers to third-party sites do not imply our endorsement or sponsorship of those sites, products, or services. We do not operate or control third-party information or services.

  • Third-Party Content: Opinions, advice, statements, or other content expressed by third parties are theirs and not ORANGEMORTGAGE.CO’s. We do not guarantee the accuracy or usefulness of any content.

  • “AS IS” Basis: The information, products, and services offered are provided “AS IS” and without warranties of any kind, either express or implied. We disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose, to the fullest extent permissible by law.

  • No Warranty of Operation: We do not warrant that the Site or its functions will be uninterrupted or error-free, or that it is free of viruses or harmful components.

  • Indemnification: You agree to defend, indemnify, and hold harmless the company, its affiliates, successors, etc., from any claims, damages, liabilities, and expenses arising out of or related to your breach of any obligation set forth in these Terms.

  • Educational Purpose Only: We exist for educational purposes only. The materials and information are for general informational purposes only and are not intended as investment, tax, accounting, or legal advice.

  • Consult Professionals: You are responsible for consulting tax, legal, or financial professionals before acting on any information provided.

Online Commerce

 

  • Third-Party Products/Services: Certain sections may allow you to purchase products and services provided by third parties. We are not responsible for the quality, accuracy, reliability, or any other aspect of these third-party products/services.

  • Information Sharing: Information obtained during a purchase (e.g., credit card and contact info) may be collected by both the merchant and us. Merchants may have different privacy practices.

  • Release of Liability: You release us and our affiliates from any damages and agree not to assert any claims against us arising from your purchase or use of third-party products/services.

  • Financial Responsibility: You agree to be financially responsible for all purchases made by you or on your behalf.

  • Authorized Use: Purchases must be for legitimate, non-commercial purposes only. No purchases for speculative, false, or fraudulent purposes.

  • No Sharing: Purchases are for personal use only. Sharing is not permitted and may subject violators to liability.

  • Payment Issues: If payment is declined, access to premium materials will be disabled. Access will be restored once the billing issue is resolved.

Interactive Features

 

  • User Responsibility: Responsibility for content posted on bulletin boards, web logs, chat rooms, and other public areas lies with each user—you alone are responsible for the material you post or send.

  • Prohibited Conduct: It is a condition of use that you do not:

    • Restrict or inhibit any other user.

    • Impersonate any person or entity.

    • Interfere with or disrupt servers or networks.

    • Instigate or encourage illegal activities.

    • Gain unauthorized access (e.g., hacking).

    • Post or transmit unlawful, threatening, defamatory, obscene, or harmful content.

    • Post or transmit material that violates the rights of others (e.g., copyright, privacy).

    • Post or transmit viruses or other harmful components.

    • Use the Site for commercial purposes (or containing advertising), or to advertise/solicit without express written approval.

    • Gather email addresses or personal information for marketing purposes.

  • Forum Disclaimer: ORANGEMORTGAGE.CO disclaims responsibility for the validity of opinions, advice, or statements made by third parties in public forums.

  • Monitoring and Removal: We have the absolute right to monitor content and reserve the right to alter, edit, refuse to post, or remove any postings or content for any reason.

  • Community Removal: We reserve the right to remove anyone from an online community at any time to maintain its value.

Registration and Passwords

 

  • Registration Information: You may be asked to provide demographic and personally identifiable information (e.g., name, email) for certain features. You agree to provide true, accurate, current, and complete information.

  • Suspension/Termination: If we suspect your information is untrue or incomplete, we have the right to suspend or terminate your account.

  • Passwords: You are responsible for maintaining the confidentiality of your password and account and for all activities under your account. You must notify us immediately of any unauthorized use.

Limitation of Liability

 

  • No Liability for Damages: Under no circumstances shall we, our subsidiary, parent companies, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use of, or inability to use, the Site, including our messaging, products, services, or third-party materials.

  • No Liability for User Conduct: You specifically acknowledge that we are not liable for any defamatory, offensive, or illegal conduct of any user.

  • Sole Remedy: If you are dissatisfied with the Site, materials, products, or terms, your sole and exclusive remedy is to discontinue using the Site and its products/services/materials.

  • Not a Financial Advisor: ORANGEMORTGAGE.CO is not an investment advisory service, is not an investment adviser, and does not provide personalized financial advice.

  • No Guaranteed Profitability: You acknowledge that no representation has been made as to the future income, expenses, sales volume, or potential profitability from participation in any program.

Termination

 

  • Right to Terminate: We may cancel or terminate your right to use the Site or any part of it at any time without notice.

  • Survival: Restrictions on material download, disclaimers, and limitations of liability shall survive termination.

Refund Policy

 

  • Product-Specific: Your purchase may or may not provide for any refund. Each specific product, service, event, or course will specify its own refund policy.

Other Provisions

 

  • Digital Millennium Copyright Act (DMCA): Provides recourse for copyright owners. Notices and counter-notices must comply with current DMCA statutory requirements.

  • Assignment: The agreement is binding upon ORANGEMORTGAGE.CO and assigns/successors. Neither the Agreement nor any rights may be assigned by you without prior written consent, but ORANGEMORTGAGE.CO may freely assign rights to any affiliated entity or wholly-owned subsidiary.

  • Governing Law and Dispute Resolution: These Terms shall be governed by the laws of the Province of British Columbia, and any dispute shall be subject to binding arbitration in British Columbia.

  • Severability: If any provision is unlawful, void, or unenforceable, that provision is severable and shall not affect the validity and enforceability of the remaining provisions.

  • Policy Changes (Disclaimer): This policy may be changed at any time at our discretion. Updates will be posted on the Website.

Contact and Consent

 

  • Questions/Concerns: Direct any questions or concerns to: Hello@orangemortgage.co.

  • Marketing Consent: By submitting your phone number and email, you provide express written consent for this company, its affiliates, agents, and service providers to contact you regarding products or services, including via autodialed/prerecorded calls, text messages (SMS/MMS), or email, even if you are on a Do Not Call Registry.

    • Opt-Out: You may opt-out at any time by emailing a Do Not Call Request.

    • Consent Condition: Your consent is not required or a condition of any purchase.

    • Recording: By communicating by phone or email, you consent to all calls, texts, and emails being recorded for quality and training purposes.

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