Smart Software Solutions, LLC

Terms Of Use

Please read the following Terms of Use carefully. By using this Web site, you acknowledge that you have read the following Terms of Use and that you accept and will be bound by them, as they may be modified by Smart Software Solutions, LLC from time to time, as posted on this Web site. If you do not agree to these Terms of Use, do not use this Web site. Any use of the Web site is at the sole risk of the user.

Legal Name and Address
Smart Software Solutions, LLC 16004 Tualatin Sherwood Rd. Suite 245, Sherwood, OR. 97140. Our phone number is 1(503) 816-4606.

Information Copyright 2006 by Smart Software Solutions, LLC
All information on this Web site is protected by copyright in the United States of America and in other countries. Unless otherwise specified (see the Limited Disclaimer of Copyright below), no one has permission to copy or republish, in any form, any information found on this Web site.

The posting of information or other materials to this Web site does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyright, service marks, trademarks, trade names, or other intellectual property) and does not transfer any rights to a user of the Web site or any other third party, except as expressly provided herein.

Limited Disclaimer of Copyright
Any person is hereby authorized to view the information (and incidentally create an electronic copy of the information) available from this Web site for informational purposes only. No part of the information at this Web site can be otherwise redistributed, copied, or reproduced in any form without prior written consent of Smart Software Solutions, LLC.

Disclaimer of Warranties
This information is provided “AS IS” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

SMART SOFTWARE SOLUTIONS, LLC MAKES NO REPRESENTATION AS TO THE ACCURACY, TIMELINESS, OR COMPLETENESS OF THE WEB SITE MATERIALS. SMART SOFTWARE SOLUTIONS, LLC PERIODICALLY AMENDS, CHANGES, ADDS, DELETES, UPDATES, OR ALTERS THE INFORMATION, INCLUDING, WITHOUT LIMITATION, THE TERMS OF USE OF THE WEB SITE, WITHOUT NOTICE. FURTHER, SMART SOFTWARE SOLUTIONS, LLC ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THE WEB SITE. SMART SOFTWARE SOLUTIONS, LLC SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE WEB SITE.

REFERENCE TO THE COMPANY AND ITS SERVICES AND PRODUCTS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. IN NO EVENT SHALL SMART SOFTWARE SOLUTIONS, LLC OR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION, OR DELIVERY OF THE INFORMATION AT THIS WEB SITE BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, COMPUTER VIRUS OR SYSTEM FAILURE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEB SITE (OR THE INFORMATION OR SERVICES PROVIDED AT THIS WEB SITE) OR ANY WEB SITE RELATED TO ANY THIRD PARTY, OR USERS’ INABILITY TO USE THE INFORMATION OR MATERIALS CONTAINED IN THE WEB SITE (OR ANY OTHER WEB SITE). IN NO EVENT SHALL SMART SOFTWARE SOLUTIONS, LLC LIABILITY TO USERS FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) EXCEED THE AMOUNT, IF ANY, PAID BY USERS TO SMART SOFTWARE SOLUTIONS, LLC FOR ACCESSING THE WEB SITE. THE USER SHOULD CONSULT HIS OR HER OWN LEGAL ADVISORS REGARDING THE APPLICABILITY OF STATE STATUTES REGARDING LIMITATIONS ON LIABILITY.

DESCRIPTIONS OF, OR REFERENCES TO, PRODUCTS, SERVICES, OR PUBLICATIONS WITHIN SMART SOFTWARE SOLUTIONS, LLC WEB SITE DO NOT IMPLY ENDORSEMENT OF THAT PRODUCT, SERVICE, OR PUBLICATION. SMART SOFTWARE SOLUTIONS, LLC MAKES NO WARRANTY OF ANY KIND WITH RESPECT TO THE SUBJECT MATTER INCLUDED HEREIN OR THE PRODUCTS LISTED HEREIN. SMART SOFTWARE SOLUTIONS, LLC SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESSED, IMPLIED, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

SOME STATES DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR THE EXCLUSION OF LIABILITY FOR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN ALL CASES.

Indemnification by User
USER AGREES TO INDEMNIFY, DEFEND, AND HOLD SMART SOFTWARE SOLUTIONS, LLC HARMLESS FROM ANY LIABILITY, LOSS, CLAIM, AND EXPENSE, INCLUDING ATTORNEY’S FEES RELATED TO A USER’S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS WEB SITE.

Disclaimer of Sales Information
This Web site may contain offers for sale or lease of merchandise or services. Such merchandise and services may be obtained only by linking to the merchant Web in order to make the transaction. Terms of the offer shown on this Web site, including, but not limited to, price, color, quantity, availability, and description may vary from those shown on the merchant’s Web site. Differences in the terms of an offer between this Web site and a merchant’s site will be governed by the terms shown on the merchant’s site. Smart Software Solutions, LLC is not responsible or liable for any such differences or discrepancies.

Typographical Errors
This Web site could include technical inaccuracies or typographical errors.

Viruses
All responsibility or liability for any damages caused by viruses contained within the electronic files or at this Web site is disclaimed.

Links to Other Web Sites
This Web site contains links to other Web sites. Smart Software Solutions, LLC is not responsible for the content, accuracy, or opinions expressed in such Web sites, and such Web sites are not investigated, monitored, or checked for accuracy or completeness by Smart Software Solutions, LLC. Inclusion of any linked Web site does not imply approval or endorsement of the linked Web site by Smart Software Solutions, LLC.

Submission of Information
All information transmitted or otherwise submitted to Smart Software Solutions, LLC via this Web site shall be deemed to be the property of Smart Software Solutions, LLC, and Smart Software Solutions, LLC shall be free to use such information for any lawful purpose. Smart Software Solutions, LLC shall not have any obligation to keep such information confidential except as otherwise specifically agreed in writing by Smart Software Solutions, LLC or as required by law. Users should note that electronic transmissions to and from this Web site are not confidential and may be read or intercepted by others.

General
These Terms of Use will be governed by and construed in accordance with the laws of the United States of America without regard to conflict of law principles, and users agree that all legal proceedings related to the matters herein shall be adjudicated solely in the courts of Washington County, Oregon, United States of America. Users consent to extraterritorial service of process and submit to the jurisdiction of said courts. To the extent any portion of these Terms of Use shall be determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms of Use as so modified will remain in full force and effect. Any waiver of any provisions contained in these Terms of Use by Smart Software Solutions, LLC shall not be deemed to be a waiver of any other right, term, or provision of these Terms of Use.

These Terms of Use were last updated June 30th, 2006. Please check back periodically for updates and changes.

Privacy Statement

Your privacy is important to us

At Smart Software Solutions, LLC we are committed to providing you with mortgage serv

ices. And while information about you is fundamental to our ability to do this, we fully recognize the importance of keeping personal and account information secure.

To offer you the widest range of products and services, Smart Software Solutions, LLC may share information about you both within Smart Software Solutions, LLC and outside of Smart Software Solutions, LLC with other companies. This allows us to offer you products and services that may interest you and best meet your needs, whether they are available directly from Smart Software Solutions, LLC or through our relationships with other lenders. We want you to understand our information safeguards, what information we collect, what information we share, and the benefits you receive when we share information about you.

This notice describes the privacy practices of Smart Software Solutions, LLC and all Smart Software Solutions, LLC affiliates. This notice explains Smart Software Solutions, LLC information collection and sharing practices and lets you choose whether or not Smart Software Solutions, LLC may share certain information about you, either within Smart Software Solutions, LLC or outside of Smart Software Solutions, LLC with other companies.

Our Security Procedures

Smart Software Solutions, LLC understands the importance of protecting and securing information and using it appropriately. Access to information about you is restricted to the people of Smart Software Solutions, LLC who require it to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards for the security of information.

When Smart Software Solutions, LLC shares information about you with companies outside of Smart Software Solutions, LLC, we require them to impose safeguards, use it only for a permitted purpose, and to return it to us or destroy it once that purpose is served. We limit the amount of information shared to what is appropriate to offer a product or service efficiently. Smart Software Solutions, LLC requires any company receiving information from Smart Software Solutions, LLC to sign a Confidentiality Agreement containing these requirements and obligating that company to protect the information as we would.

Information We Collect

Smart Software Solutions, LLC collects and uses nonpublic personal information about you to conduct our business and to consistently deliver the top-quality Customer service you expect from us. Sources of this information include the following:

Information we receive from you on applications and other forms or through your correspondence or communication with us including through the mail, by telephone, or over the Internet;

Information about your transactions with Smart Software Solutions, LLC and with other companies outside of Smart Software Solutions, LLC.

Information We Share Within Smart Software Solutions, LLC

We may share all of the information we collect about you with departments within Smart Software Solutions, LLC to offer additional products or services that may interest you and best meet your needs. We believe this is convenient for you and may save you both time and money. To do so, we share identification information (such as name and address), transaction and experience information (such as purchases and payments), credit eligibility information (such as credit reports and applications), and other information. The decision to purchase any such products or services is yours alone. You may tell us not to share credit eligibility information about you within Smart Software Solutions, LLC, but please understand this does not prohibit us from offering you additional products and services or from sharing transaction and experience, identification, and other information within Smart Software Solutions, LLC.

Information We Share With Others

From time to time, we may allow companies outside of Smart Software Solutions, LLC to offer you their products and services that may interest you. Subject to applicable law, we may share all the information we collect with these companies outside of Smart Software Solutions, LLC, unless you tell us not to.

Additionally, we may share all the information we collect with companies that perform marketing or other services on our behalf. We are also permitted by law to share information about you with other companies in certain circumstances. For instance, we may share all of the information we collect with companies that endorse our products and services through affinity agreements, with government entities in response to subpoenas or regulatory requirements, and with consumer reporting agencies. If you tell us not to share information with companies outside of Smart Software Solutions, LLC that wish to offer you their products and services, as described above, please understand that we will continue to share information in these additional circumstances.

Important Information About Your Choice

We’re dedicated to serving your needs - and to respecting your choices related to privacy. You may tell us not to share personal information within Smart Software Solutions, LLC, and you may tell us not to share information with companies outside of Smart Software Solutions, LLC that wish to offer you their products and services as described above. If you wish to opt out of such information sharing, please call 1(503) 816-4606.

Smart Software Solutions, LLC applies opt outs at the account level, not by individual Customer.

An opt out from information sharing as described above, either within Smart Software Solutions, LLC and/or with companies outside of Smart Software Solutions, LLC, remains effective unless revoked in writing. Federal regulations require us to provide this notice on an annual basis, whether or not an account has previously opted out from either type of information sharing. Please remember when you receive our subsequent notices that an account previously opted out from either or both types of information sharing (and not revoked in writing) does not need to be opted out again.

Important Information for Vermont Customers

The information sharing practices described above are in accordance with Federal law. Vermont law places additional limits on disclosing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, Smart Software Solutions, LLC will not disclose information we collect about Vermont residents to companies outside of Smart Software Solutions, LLC.

This notice updates and replaces any previous notices from Smart Software Solutions, LLC about the privacy, security, and protection of information. For additional information regarding Smart Software Solutions, LLC privacy practices concerning the Internet, and to view the most recent version of this privacy notice, please go to http://www.catchaloan.com and click on “Privacy Notice.” You may have other privacy protections under state laws. We may amend this privacy notice at any time, and we will inform you of changes as required by law.

This Privacy Notice was last updated June 30th, 2006. Please check back periodically for updates and changes.

Internet Privacy Practices

Web Site Privacy

The Smart Software Solutions, LLC Web servers automatically recognize and record the domain name from which you access the Internet and the names of the pages you visit while at an Smart Software Solutions, LLC Web site. The Smart Software Solutions, LLC Web servers do not automatically extract or store your electronic mail address (See E-Mail Addresses below). The information automatically recognized and recorded is not personally identifiable and is used to improve the content of Smart Software Solutions, LLC Web sites and make them more useful.

E-mail Addresses

If you supply us with your e-mail address, we may let you know by e-mail about special marketing offers for products and services that may be of interest to you. When we collect your e-mail address, and with each special marketing offer e-mail message we send, we will provide you with the opportunity to tell us that you do not wish to receive special marketing offer messages from us in the future.

Internet Security

Smart Software Solutions, LLC uses encryption technology to protect certain information sent over the Internet. SSL is an encryption technology known as “Secure Sockets Layer”. SSL encrypts transmissions between two parties and verifies the Web site server you are communicating with. An “s” after the “http” in a Web site’s address indicates that you are attached to a secure server using SSL technology. Additionally, if your browser is Microsoft Internet Explorer 3.0, Netscape Navigator 4.0, or a higher version of either, a picture of a lock or a key should appear in the lower right hand corner of the browser’s window.

Use of Cookies

Some Smart Software Solutions, LLC Web pages use a feature of your Internet browser called a cookie. Cookies are files placed within your browser on your computer’s hard drive by a Web site server. Smart Software Solutions, LLC Web sites may use cookies to facilitate your Internet sessions, to maintain security and to improve our Web sites. For example, Smart Software Solutions, LLC uses cookies to verify your identity, remember your personal settings such as your offer preferences, and to monitor your use of Smart Software Solutions, LLC Web sites to improve our services. If you choose not to enable cookies on your browser, you will not be able to use some of the services offered on Smart Software Solutions, LLC Web sites.

Advertising Services

Smart Software Solutions, LLC uses third party companies to serve ads on our Web site and other Web sites. These companies help Smart Software Solutions, LLC execute, optimize, and measure the effectiveness of our online banner advertising programs. These companies use cookies and non-personally identifiable information (for example, information that does not include name, address, e-mail address or telephone number) about your visit to this and other Web sites to measure advertising effectiveness and to provide ads about goods and services that may interest you. If you would like to learn more about these practices, view the privacy notices of these third party companies, or opt out of their use of non-personally identifiable information, click here.

Smart Software Solutions, LLC banner advertisements and online applications may contain small graphics with tags in them. These tags are not personally identifiable and work in conjunction with these cookies. These tags allow us to measure the effectiveness and response rates of our advertising.

Children

Smart Software Solutions, LLC Web sites do not knowingly collect or use personal information from children under age 13 without obtaining verifiable parental consent. If a child whom we know to be under age 13 sends personal information to an Smart Software Solutions, LLC Web site, we will use that information only in accordance with the Children’s Online Privacy Protection Act (COPPA).

To Further Protect Your Privacy

While exploring the services offered through Smart Software Solutions, LLC Web sites, please be aware that other online retailers, partners, third party Internet sites, and third party services accessible through Smart Software Solutions, LLC Web sites, have separate privacy and data collection policies and practices, which are independent of and may be different from Smart Software Solutions, LLC policies and practices. Smart Software Solutions, LLC is not responsible or liable for these independent policies and practices and it is your responsibility to review them and decide whether or not they satisfactorily protect your rights.

These Internet Privacy Practices were last updated November 2, 2001 and update and replace any previous Internet Privacy Practices from Smart Software Solutions, LLC. We may amend these Internet Privacy Practices at any time, and when such a change is made we will post a revised version on this Smart Software Solutions, LLC Web site. Changes will be effective when they are posted. It is your responsibility to review these Internet Privacy Practices from time to time to be aware of any such changes. Your continued use of this Smart Software Solutions, LLC Web site indicates your agreement to any such changes


Privacy Statement	Terms of Use
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