PLEASE READ THESE LEGAL TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE.

These terms of use (“Legal Terms”) describe the terms and conditions applicable to your access and use of this web site (the “Web Site”) which is sponsored and operated by Cobble Hill Partners. By using this Web Site, you signify your assent to these Legal Terms. If you do not agree to all of these Legal Terms, do not use this Web Site. Cobble Hill Partners may modify this Web Site and the Legal Terms, at any time. Binding modifications will be incorporated into these Legal Terms, and you must check back when you use the Web Site. By continuing use of the Web Site after such changes are posted, you will be deemed to have accepted such changes.

Scope of Use

Cobble Hill Partners invites you to view, use and download small portions of the content (including without limitation text, graphics, software, audio and video files and photos) of this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit or distribute a significant portion of the content on this Web Site, or the design or layout of the Web Site or individual sections thereof, in any form or media. The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Web Site without the prior written consent of Cobble Hill Partners is strictly prohibited.

You understand that Cobble Hill Partners may, at any time, for any reason and without notice, and without liability to you or any third party, immediately discontinue, change or restrict your use of this Web Site and make changes in the products and/or services described in this Web Site.

By using this Web Site, you represent that you are at least 18 years old and are a United States resident.

Eligibility for Products and Services

Products or services described on this Web Site may not be immediately available in all geographic areas of the United States. The information on this Web Site does not constitute an offer of any products or services for sale.

No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the subject matter covered, but is not offered as legal, financial, technical or other professional advice, and is not tailored to your specific circumstance.

No Warranties

THE WEB SITE AND ANY CONTENT AND INFORMATION ON THE WEB SITE (COLLECTIVELY, "MATERIALS") ARE PROVIDED TO YOU ON AN “AS IS” “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT. LOAN MOD FORENSICS AND ITS AFFILIATES (a) DO NOT ENDORSE AND MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE MATERIALS, AND (b) MAKE NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY MATERIALS YOU MAY OBTAIN ARE FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

YOUR USE OF THIS WEB SITE AND THE MATERIALS IS AT YOUR OWN RISK. LOAN MOD FORENSICS AND ITS AFFILIATES SPECIFICALLY DISCLAIM ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE MATERIALS (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEB SITE OR THE MATERIALS. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.

Trademarks

Cobble Hill Partners and the Cobble Hill Partners logo are trademark(s)/service mark(s) of Cobble Hill Partners. Unauthorized use of any Cobble Hill Partners trademark, service mark or logo may be a violation of federal and state trademark laws.

Copyright

The Materials are protected by U.S. and foreign copyright laws. Except as expressly provided under "Scope of Use" section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform any of the Materials without the prior written permission of Cobble Hill Partners.

Links

Links to other web sites operated by other entities are included as a convenience to you. Cobble Hill Partners makes no representation regarding the content or accuracy of any other web site which you may access through this Web Site. Cobble Hill Partners does not monitor and is not responsible for the content found on other web sites which are linked from this Web Site. The existence of these links on the Web Site does not imply endorsement, recommendation of sponsorship for any linked web site or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Cobble Hill Partners.

Unless otherwise set forth in a written agreement between you and Cobble Hill Partners, you must adhere to Cobble Hill Partners’s linking policy as follows: (i) any link to the Web Site must be a text only link clearly marked “Cobble Hill Partners”, (ii) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Cobble Hill Partners's names and trademarks, (iii) the link must “point” to the URL www.laonmodforensics.com and not to other pages within the Web Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Cobble Hill Partners, (v) when selected by a user, the link must display the Web Site on full-screen and not within a “frame” on the linking web site, and (vi) Cobble Hill Partners reserves the right to revoke its consent to the link at any time and in its sole discretion.

E-mail

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.

Violations and Additional Policies

Cobble Hill Partners reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this Web Site, including the right to block access from a particular Internet address to the Web Site. Cobble Hill Partners does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through this Web Site.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of California, USA, without reference to its choice of law rules. The Web Site is operated by Cobble Hill Partners from its offices in the State of New York. Cobble Hill Partners, and its affiliates, make no representation that the content of this Web Site is appropriate or available for use in other locations, and access to this Web Site from territories where the content of this Web Site may be illegal is prohibited. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These Legal Terms and all documents incorporated herein by reference constitute the entire agreement between Cobble Hill Partners and you with respect to this Web Site.

These terms were last updated as of January 1, 2010.