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User Agreement

Last Updated

October 24, 2019

Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association, Member FDIC and Equal Housing Lender. As used throughout this User Agreement the terms “we”, “us”, and “our” mean KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

NOTICE
We are providing this website (the “Site”) to you subject to the following terms (“User Agreement”). These terms should be read carefully as they exclude or limit our liability and set forth the terms and conditions which apply to your use of the Site.

ACCESSIBILITY
For assistance with web content accessibility, contact us at (855) 245-0989.

USE OF INFORMATION AND MATERIALS
The information and materials contained in the pages on our Site, and terms, content, products and services described on this Site, are subject to change. Unauthorized use of our Site and related systems, including without limitation, unauthorized entry in our systems, misuse of passwords, or misuse of any content posted on the Site is strictly prohibited. Your eligibility for a particular product or service is subject to final determination by us or one of our affiliates.

THIRD PARTY LINKS
We are pleased to make available to you links to other sites on the World Wide Web. We believe the links from our Site are to reputable companies. However, we make no representations or warranties regarding the non-Laurel Road or non-KeyCorp websites or the companies maintaining them. We do not control or monitor such websites, and we do not endorse the content or the use of any other Website. If you choose to access non-Laurel Road or non-KeyCorp Websites through links on our pages, you accept responsibility for all related risks.

SUBMISSIONS
You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to us via our Site. You also agree to maintain and promptly update any such information to keep it accurate.

ELECTRONIC COMMUNICATIONS
To the fullest extent permitted by applicable law, this User Agreement and any other agreements, notices, disclosures, messages or alerts, or other communications regarding the Site or any financial service or product with us (collectively referred to as “Communications”), may be provided to you electronically and you agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within this Site and/or delivered to your e-mail address on record with us. You will print a paper copy of any electronic Communication and retain it for your records. All electronic Communications will be considered to be “in writing,” and to have been received and effective upon posting on this Site or dissemination to your email address, whether or not you have retrieved or read the electronic Communication. We reserve the right to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by notifying us by a paper writing of your decision to do so. If you revoke your consent to receive Communications electronically, we may terminate your right to use the Site or obtain electronically our financial services or products (including redeeming any deposit accounts), and you accept sole liability for any early withdrawal penalty, tax or other consequence resulting from an involuntary termination of a Financial Service, to the extent permitted by law.

PRIVACY; SECURITY
We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see our Online Privacy Statement posted on this Site for more information.

TOOLS AND CALCULATORS
This Site may contain tools and calculators provided by us or our vendors as a service to you for educational purposes only. We and our vendors do not guarantee the accuracy of these tools or calculators or the results and expressly disclaim all liability for any damages of any kind arising out of your use of these tools and calculators.

COPYRIGHT & TRADEMARKS
The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of KeyCorp and other parties. You are prohibited from using any Marks without the written permission of KeyCorp or such third party which may own the Marks. All content displayed or available through the Site is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content on the Site for any commercial, public, or unlawful purpose.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications to KeyCorp of claimed copyright infringement should be sent to the Service Provider’s Designated Agent. See Notice and Procedure for Making Claims of Copyright Infringement.

ILLEGAL, FRAUDULENT OR IMPROPER ACTIVITY
You will not use this Site or any financial service or product offered by us for any illegal, fraudulent, unauthorized, or improper activity (a “Prohibited Use”). If we suspect that you may be engaging in any Prohibited Use, including any violation of any terms or conditions relating to this Site or any financial service or product offered by us, your access to this Site and any financial service or product may be suspended or terminated without notice. Also, access to this Site or your financial transactions may be suspended or terminated when we reasonably believe that there is unusual activity on any of your financial accounts with us. You agree to cooperate fully with us to investigate any suspected Prohibited Activity or unauthorized use.

AVAILABILITY
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. You must be an individual of at least eighteen (18) years of age and reside in the United States or on a United States military base or in a United States Territory in order to use the Site. The Site is controlled or operated (or both) from the United States and is not intended to subject us to any non-U.S. jurisdiction or law. The Site may not be appropriate or available for use in some non-U.S. jurisdictions. Any use of the Site is at your own risk, and you must comply with all applicable laws, rules and regulations in doing so. We may limit the Site’s availability at any time, in whole or in part, to any person, geographic area or jurisdiction that we choose.

NO WARRANTIES
THIS SITE AND RELATED SERVICES AND ALL INFORMATION AND MATERIALS CONTAINED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED “AS IS” OR “AS AVAILABLE”. WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS, AND WE EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. THERE IS NO WARRANTY THAT ANY SERVICE, PRODUCTS, MATERIALS OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS SITE, OR OUR COMPUTER SYSTEM WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS.

NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY OR QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATION CONTENT, INFORMATION ACCESS AND ORDER EXECUTION, FREEDOM FROM COMPUTER VIRUS, IS GIVEN BY US IN CONNECTION WITH THIS SITE OR AVAILABLE INFORMATION AND MATERIALS, EVEN IF WE HAVE BEEN ADVISED OR IS OTHERWISE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

LIMITED LIABILITY
IN NO EVENT SHALL WE OR ANY VENDOR BE LIABLE FOR ANY DAMAGES, INCLUDING ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, DIRECT OR INDIRECT DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED WEBSITE, OR USE THEREOF OR INABILITY TO USE, BY ANY PARTY OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE, OR OUR REPRESENTATIVE THEREOF, IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, EXCEPT AS LIMITED BY APPLICABLE LAW. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU.

INDEMNITY
You agree to indemnify, defend and hold us and our vendors harmless from and against all claims, losses, liability, cost, and expenses (including attorneys’ fees) arising from your violation of this User Agreement or misuse of this Site, or any service, product, information or materials provided through this Site. Your obligations under this Section will survive your termination of access to or use of this Site, or nonuse of any service, information or material.

CHANGES TO USER AGREEMENT
We reserve the right to modify this User Agreement at any time without notice, but the most current version of the User Agreement will always be available to you by clicking on the link at the bottom of this Site. If you find the User Agreement unacceptable at any time, you may discontinue your use of this Site, but such User Agreement shall survive such discontinuation with respect to activity occurring prior to such discontinuation. By continuing to use this Site after the date of any change of this User Agreement, including accessing the Site, you agree to be bound by the provisions contained in the most recent version of this User Agreement.

ENFORCEABILITY
In the event any of the provisions of this User Agreement shall be held to be unenforceable, the remaining provisions shall be unimpaired, and the unenforceable provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This User Agreement shall be subject to any other agreements you have entered into with us.

APPLICABLE LAW; FORUM
This Site (excluding linked sites) is controlled by us from its offices within the State of Ohio, United States of America. By accessing this Site, you agree that all matters relating to your use of this Site shall be governed by the statutes and laws of the State of Ohio, and the federal laws of the U.S.A., without regard to the conflicts of laws principles thereof. The application of the United Nations Convention of Contracts for the International Sale of Goods, and the model Uniform Computer Information Transactions Act approved by the National Conference of Commissioners on Uniform State Laws (as enacted and/or modified into any state law in the U.S.A.), are expressly excluded and shall not apply.

JURISDICTION AND VENUE
You agree and hereby submit to the exclusive personal jurisdiction and venue of the State courts in Cuyahoga County, Ohio, and the United States District Court for the Northern District of Ohio, Eastern Division, with respect to all matters relating to your use of this Site and any information or materials available through this Site. You hereby consent to such jurisdiction and venue.