Welcome. This Web Site is provided by Peoples Mortgage Company Inc.., it's subsidiaries and affiliates, including but not limited to Peoples Wholesale, Freedom Home Loans, and Platinum Lending, to provide information and services to present and potential customers, investors and the members of the general public.

Your use of this Web Site is subject to these Terms and Conditions of Use and to the licenses and permissions herein contained. These Terms form a contract with you. They are accessible from a link on the Peoples Wholesale Web Site Home Page and will be continually available for your review.
 
Your use of this site shall be your agreement to abide by each of the following terms. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS SITE. Please review the terms and conditions before proceeding.
 
By accessing and/or using the Peoples Wholesale website (the "Site"), You accept, without limitation or qualifications, the following Terms of Use:

1. Peoples Mortgage Company maintains this Site for Your personal use, entertainment, information, education, and communication. Peoples Wholesale grants You the permission to use and view the Site subject to these Terms of Use.

2. You may not modify, copy, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, materials, documents, software, designs, drawings, content, products or services from the Site (together "Content") in any form without Peoples Mortgage Company’s prior written permission. You may print out a copy or download Content solely for Your personal use. In doing so, You may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.

3. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of Peoples Mortgage Company and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Peoples Mortgage Company or such party that may own the Trademark. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provided in these Terms of Use, are strictly prohibited. Peoples Mortgage Company will aggressively enforce its intellectual property rights to the fullest extent of the law, including seeking criminal prosecution.

4. Certain portions of the Site allow You to register with Peoples Mortgage Company and/or create a user account. If You wish to register or create a user account, You agree that You will provide Peoples Mortgage Company with certain registration information, all of which will be accurate, truthful, and current. You agree that You will not: (i) select a username that, to Your knowledge, is already used by another person; (ii) use a username in which another person has rights without such person's authorization; or (iii) use a username or password that Peoples Mortgage Company, in its sole discretion, deems offensive or inappropriate. Peoples Mortgage Company has no obligation to verify the authenticity of any registration information, but reserves the right to refuse to create Your account for any reason, including an inability to verify the authenticity of Your registration information. You are solely responsible for maintaining the confidentiality of Your registration information and passwords. Peoples Mortgage Company will have the right to rely upon any information received from any person using a password assigned to You and will incur no liability arising out of such reliance. You agree to indemnify and hold harmless Peoples Mortgage Company and each of its directors, officers, employees and agents from and against any and all injuries, damages, losses, liabilities, claims, judgments and settlements, including all reasonable costs, expenses and attorneys fees, arising out of any action or claim brought against Peoples Mortgage Company, or any of its directors, officers, employees and agents, arising from or related to any negligent or willful act or omission by You while accessing this Site.

5. Peoples Mortgage Company cannot guarantee the accuracy, correctness, or timeliness of any of the information or opinions provided on this Site. Any use of the information or opinions provided herein is at Your sole risk and must not replace or supplant Your duty to use Your own judgment, skills, and expertise. Furthermore, You are still responsible for applying the information and ideas provided herein to Your situation in a competent manner and must independently determine whether such ideas are accurate, up-todate, feasible, and the best option for You. Peoples Mortgage Company makes no representation or warranty that any of the information provided in this Site will be current or complete.

6. Peoples Mortgage Company will make every effort to update this Site on a periodic basis. However, some information, articles, and opinions provided on this Site may contain, relate to, or be based upon noncurrent conditions. As such, Peoples Mortgage Company cannot guarantee the accuracy of any information or opinion provided in this Site. It is very important that You use Your own judgment before relying upon or using any of the ideas or opinions suggested in the Site. Peoples Mortgage Company may change the Content of this Site, including but not limited to revising and/or deleting loan products or loan related information, at anytime and without notice. You are responsible for confirming the sufficiency and reliability of all information presented on this Site including any terms and conditions necessary to obtain a loan or other products or services. Not all products or services are available in all geographic areas. Your eligibility for particular products and services is subject to final Peoples Mortgage Company determination and acceptance.

7. Peoples Mortgage Company has the right at any time to change or discontinue any aspect or feature of the Site. Peoples Mortgage Company expressly disclaims any obligation to keep the Contents of this Site up to date or free of errors or viruses, or to maintain uninterrupted access to this Site.

8. You are advised that unless otherwise stated to the user, nothing contained in this Site is an offer, promise or otherwise, to make a specific loan for any purpose or on any specific terms. All loan related decisions are made in the course of normal business and any applicable loan offerings are made to qualified applicants in separate loan documents which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents of states where participating lenders are licensed or authorized to make such loans. By operating this Site, Peoples Mortgage Company is not attempting to make loans outside its authorized states or country. Peoples Mortgage Company reserves the right to discontinue the offering of any loan product in any state at any time.

9. You acknowledge and agree that Peoples Mortgage Company in its sole discretion may at any time terminate Your access to or use of this Site, or any portion thereof, with or without notice.

10. Where applicable, Peoples Mortgage Company will handle user information that You submit in accordance with the Privacy Policy located within the Site. Please be advised that Peoples Mortgage Company is taking reasonable and appropriate measures, including encryption, to ensure the protection of Your personal information. However, the Internet is an open system and we cannot, and do not, guarantee that the personal information You have entered will not be intercepted by others, decrypted, and used for unauthorized purposes. You agree not to hold Peoples Mortgage Company liable for any loss or damage of any sort incurred as a result of any such unauthorized use or disclosure of the information You provide to Peoples Mortgage Company through this Site.

11. Your use of and browsing in this Site are at Your sole risk and Peoples Mortgage Company disclaims all liability associated therewith. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. PEOPLES MORTGAGE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS,
AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE, AS TO THE OPERATION OF THE SITE OR THE NATURE OR ACCURACY OF THE INFORMATION INCLUDED IN THE SITE OR AS TO ANY OTHER MATTER. PEOPLES MORTGAGE COMPANY AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE, ARISING FROM THE USE OF THE INFORMATION AND OPINIONS PROVIDED THEREIN, OR ARISING FROM THE ALLEGED NEGLIGENCE OF THE COMPANY, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. IF YOU RESIDE OUTSIDE THE UNITED STATES, INFORMATION PUBLISHED AT THIS SITE MAY REFER TO PRODUCTS, PROGRAMS OR SITES THAT ARE NOT AVAILABLE IN YOUR
COUNTRY. Some jurisdictions may not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to You.

12. YOU HEREBY RELEASE AND FOREVER DISCHARGE PEOPLES MORTGAGE COMPANY AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO YOUR USE OF THIS SITE OR THE INFORMATION PROVIDED THEREIN, SPECIFICALLY INCLUDING BUT NOT LIMITED TO ANY CLAIMS BASED IN WHOLE OR IN PART UPON THE ALLEGED NEGLIGENCE OF PEOPLES MORTGAGE COMPANY, IN
OPERATING THE SITE OR OTHERWISE.

13. PEOPLES MORTGAGE COMPANY DOES NOT WARRANT THAT THE SITE OR ITS CONTENTS WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES PEOPLES MORTGAGE COMPANY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENTS OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SITE.

14. Peoples Mortgage Company does not assume any responsibility or risk for Your use of the Site. Peoples Mortgage Company does not guarantee or warrant that files available for downloading from the Internet will be free of infection of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy Your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

15. This Site may contain hyperlinks to websites operated by third parties other than Peoples Mortgage Company. Such hyperlinks are provided for Your reference only. Peoples Mortgage Company does not control such third party websites and is not responsible for their contents. Peoples Mortgage Company's inclusion of the hyperlinks to such websites does not imply any endorsement of the material on such website or any association with their operators. Peoples Mortgage Company does not make any representations regarding the content or accuracy of information on such third party websites. If You access any of the third party websites linked to this Site, You do so entirely at Your own risk. Use of any information obtained from such websites is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. References therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or
otherwise does not constitute or imply endorsement, recommendation, or favoring by Peoples Mortgage Company. You release Peoples Mortgage Company (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with such hyperlinks.

16. You agree to indemnify and hold Peoples Mortgage Company, its licensors, content providers, service providers and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by You, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of Your use of the information accessed from the Site.

17. Peoples Mortgage Company operates this Site from its offices within the United States of America. Peoples Mortgage Company makes no representation that the Contents in the Site are appropriate or available for use in other locations, and that access to the Contents may be obtained from jurisdictions where it is illegal or prohibited. Those who choose to access this Site do so at their own initiative and are responsible for compliance with applicable laws of their jurisdictions.

18. These Terms of Use will be governed by the law of the State of Arizona, without regard to its choice of law provisions. Any legal action, suit or proceeding brought by it in any way arising out of these Terms of Use must be brought solely and exclusively in the federal or state courts of the State of Arizona. If any provision of this agreement is held by a court of competent jurisdiction to be illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.

19. The failure of Peoples Mortgage Company to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.

20. Peoples Mortgage Company may at any time revise these Terms of Use by updating this posting. You are bound to any such revisions and should therefore periodically visit this page to review the then current Terms of Use.