Please read this Terms of Use Agreement (“Agreement”) carefully. Building and Loan Mortgage Company operates this Web site and utilized the domain names BuildingandLoan.net and DOGHouseLending.com to direct potential customers to this site.  By accessing this Web site and any pages hereof, you are agreeing to be bound by the terms and conditions below.  If you do not agree to these terms and conditions, do not access to this Web site.

Restrictions.
As a condition of the use of our web site, you agree not to use our site for any purpose or transaction that is fraudulent or unlawful.  You agree not to use our web site in any way that would damage, disable, overburden or impair the web site. You agree to comply with the restriction in the Copyright Laws of the United States.

Communication.
The e-mail Contact Us, E-mail Us and Schedule a Free Credit Analysis features of our web site are for general non-urgent communications with us.  You cannot rely on this e-mail feature for important or time-sensitive notices.  We caution you against using e-mail for transmitting sensitive personal information.  We reserve the right to take action if e-mail is used for threatening, abusive, obscene, libelous, defamatory or offensive material.  Offensive material includes, among other things, sexually explicit messages or other messages that can be construed as harassment or disparagement of other based on their race, color, religion, disability, age, sex or national origin.

Limitations and Liability
Our service and the products we offer are available for properties located in the states of Kansas and Missouri and may not be available for non-residents or non-citizens of the United States as determined by the documentation that can be provided at the time of a loan application.

In no event shall we be liable for any damages which arise out of or relate to your use of or access to (or inability to use or access) our web site; your reliance on any information provided by our web site; or any other failure or performance, error, omission, interruption or defect, or any loss or delay in transmission.

We cannot disclaim liability specifically imposed on us by statute or regulation to the extent that such liability cannot be waived or disclaimed.

Credit Review.
You agree that we may contact any source necessary and may obtain credit reports on you in connection with the completion and submission of the Apply Online application feature of our site. 

Equipment.
You are solely responsible for the system, including personal computers, software and the Internet service provider you use to access our web site.  We are not responsible for errors or delays or your inability to access the web site which may be caused by your system.  We are not responsible in any circumstances for any damage to your system or your data caused by accessing our web site.  It is your responsibility to protect you system.

Changes and Corrections.
We reserve the right to make changes and corrections to the Privacy Policy, Security Statement and Disclosures at any time.  Unless otherwise stated, changes and/or corrections will become effective immediately.  If you continue to access the web site after a change(s), you have accepted the change(s).

Warranty Disclaimer.
All information and services are provided without warranty of any kind either expressed or implied.  Nothing on our web site is intended to provide legal, accounting, tax or financial advice; you should consult your own profession adviser on such matters.

If any part of these terms and disclosures is invalid or unenforceable, the remainder will stay in effect.  Litigation arising out of or relating to these terms and disclosures of our web site or any aspect of our relationship with you shall be commenced and maintained solely and exclusively in the state and federal courts sitting in Johnson County, Kansas, United States.

If you are dissatisfied with any aspect of our site or the services available via our web site, your sole and exclusive remedy is to discontinue access.

You have a right to a copy of this Terms and Use Agreement.  Please print a copy and retain a copy in your records for future reference.