Our main goal and purpose at (OTC:LFLS) LOANS4LESS.COM, INC. including our Internet web site and/or corresponding web pages:

LOANS4LESS.COM is to make the use of our web site as straightforward, as convenient and as informative as possible. We also want all of our users to be completely satisfied, so it is important for you to understand what we actually do.

Our Location:
LOANS4LESS® Toll Free (877) 981-LOAN or (310) 540-0157
210 Avenue I, Suite F, Redondo Beach, CA 90277-5921, USA

Loans4Less.com, Inc. is headquartered in the State of California in the United States of America. Our web site is accessible from any Internet service and we are subject to U.S. federal and California law. Your resident state, country or legal jurisdiction may have laws that are different from the laws that apply in the United States and in the State of California. When you use our web site, both you and Loans4Less.com, Inc. agree that the laws of the State of California regarding terms of use shall govern all matters in connection with using our web site except in those instances where federal law applies.

Union Discount Mortgage, Inc. is licensed by the California Department of Real Estate, Real Estate Broker License Number 01166995. Union Discount Mortgage, Inc., is a California Corporation DBA LOANS4LESS® and Platinum Properties, is a wholly-owned subsidiary of Loans4Less.com, Inc. a Delaware Corporation, and conducts business as a real estate and mortgage broker in California via the web site at LOANS4LESS.COM.

LOANS4LESS.COM IS ALSO AN ADVERTISING MEDIUM FOR THE ADVERTISEMENT OF THIRD PARTY LENDERS, MORTGAGE BROKERS, REAL ESTATE BROKERS AND OTHER SERVICE PROVIDERS THAT ARE LOCATED THROUGHOUT THE UNITED STATES OF AMERICA AND OTHER LOCALES AS DISCUSSED MORE FULLY BELOW. THE ADVERTISING ASPECTS OF LOANS4LESS.COM AND ITS NUMEROUS WEB PAGES SHOULD NOT BE CONFUSED WITH LOANS4LESS® OR PLATINUM PROPERTIES, WHICH ARE DBAs OF UNION DISCOUNT MORTGAGE, INC. OR ITS SPECIFIC REAL ESTATE AND MORTGAGE BROKER CALIFORNIA WEB PAGES AT LOANS4LESS.COM. AS REFERENCED ABOVE, LOANS4LESS® AND PLATINUM PROPERTIES ARE DBAs OF A LICENSED CALIFORNIA REAL ESTATE BROKER WHICH CONDUCTS BUSINESS AS A REAL ESTATE AND MORTGAGE BROKER IN CALIFORNIA. PLEASE NOTE THAT LOANS4LESS® AND LOANS4LESS.COM ARE CORPORATE AFFILIATES AND ARE NOT THE SAME COMPANY. THE ADVERTISING BUSINESS OF LOANS4LESS.COM AND LOANS4LESS.COM, INC. IS NOT RELATED TO THE REAL ESTATE AND/OR MORTGAGE BROKER BUSINESS VIA THE SAME WEB SITE LOANS4LESS.COM.

For full information, please see the Terms & Conditions below, which includes our policy for acceptable use of our web site and the content posted thereon, as well as your rights, obligations and restrictions regarding your use of our web site. In accessing our web site, you acknowledge and consent to the Terms & Conditions and understand that Loans4Less.com, Inc. has the right to change and/or update the Terms & Conditions at any time without notice. If you have any questions, please email us at info@loans4less.com Without limiting any provisions of this Agreement, you may not use our web site for any purpose that is unlawful or prohibited by this Agreement. Your access to our web site may be terminated immediately in our sole discretion, with or without notice, if you fail to comply with any provision of this agreement and/or additional terms, or for any other reason, or no reason. You expressly agree not to:

• Access, monitor or copy any content material or information from our web site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
• Take any action that causes, or may impose, in our discretion, an unreasonable or disproportionate burden to our infrastructure; and/or:
• "Frame," "reflect," "mirror" or otherwise incorporate any part of our web site into any other web site or other media or medium without our prior written permission.

Terms & Conditions: Loans4Less.com, Inc. makes every effort to ensure that all of the contents and information on our web site is current and clearly explained. We cannot guarantee that our web site and/or those web sites controlled by the third party advertising partners will always be operational, or that the respective contents will always be totally accurate. Sometimes circumstances beyond our control may make the web site unavailable; data transmissions may be interrupted; and we may provide links to other web sites whose content we cannot monitor or otherwise manage. Read on further to understand more about the things we are unable to control and what we state about this:

What we are unable to control: Loans4Less.com, Inc., via its web site and the third party LFLS Partners Program, provides a variety of consumer and business information, products and services. However, Loans4Less.com, Inc. does not independently investigate the third-party advertising partners or service providers (collectively, the “Partners”) which execute agreements with us, or their business operations. We cannot, therefore, validate, endorse or guarantee their business, licensing, operations, representations or any claims made by them. Information as presented on our web site are strictly advertisements by the Partners and Loans4Less.com, Inc. makes no warranty, explicit or implied, that the posted information is accurate. Dealings that you may have with any third-party service or product providers listed on our web site should be covered by an agreement on terms that you enter into with that particular third party. You may want to have any such agreement reviewed by an attorney. If you submit a request for a quote or information, Loans4Less.com, Inc. will forward that request to the Partner(s) who will be asked to fulfill your request, and as such you may become a customer of that Partner who assumes responsibility for following-up on your request. Loans4Less.com, Inc. expressly disclaims any liability or responsibility for the success or failure of any transaction that you enter into with any Partner(s). Only you must make the final determination as to the value and appropriateness of any given transaction.

External Third Party Web Site Links: Loans4Less.com, Inc. provides links on its web site that are directed to other web sites on the Internet that are operated and/or controlled by third-party vendors and other third parties not under the control of Loans4Less.com, Inc. These links are provided for convenience and reference only and are not intended as an endorsement by Loans4Less.com, Inc.of the organizations or individuals operating those web sites, nor a warranty of any type of those web sites or respective information, services and/or products on those web sites. In using our web site, you acknowledge that Loans4Less.com, Inc. is not responsible for the availability of, services and/or products offered by and/or the content located on or throughout such external third party web sites.

Typographical Errors: Loans4Less.com, Inc. tries to make sure that all information posted on our web site is accurate, however, we cannot be held responsible for typographical and other errors that may appear on our web site. Loans4Less.com, Inc. reserves the right to refuse or cancel requests for products and/or services containing incorrect pricing and we reserve the right to change any programs,rates,terms and/or fees without prior notice.  

Internet Service Outages and Internet Browser Incompatibilities: Our Internet Service Provider(s) (ISP) is Network Solutions, LLC and Myers Internet Services, Inc. a wholly owned subsidiary of Mortgage Guaranty Insurance Corporation (who maintain multiple and back up servers and we believe in their overall reliability. Notwithstanding the foregoing, our web site may sometimes become inaccessible, or may not function properly with your particular web browser and/or operating system. Loans4Less.com, Inc. cannot be held liable nor responsible for any perceived or actual damages arising from the operations, content, or use of our web site and/or any failures thereto.

Disclaimer and Limitation of Liability: Loans4Less.com, Inc. and its web site along with the information and materials contained therein are provided "as is." Loans4Less.com, Inc. and its web site operate as an advertising medium with the separate exception of the Loans4Less.com web site for Loans4Less® and Platinum Properties, which are DBAs of Union Discount Mortgage, Inc. a licensed California Real Estate Broker and also acting as a Mortgage Broker. Loans4Less.com, Inc. makes no representations or warranties of any kind concerning our web site or their operations, contents or information as made available. Loans4Less.com, Inc. expressly disclaims all warranties, express or implied, of any kind, with respect to our web site, unless specifically declared thereto on a respective web page(s). IN NO EVENT SHALL LOANS4LESS.COM, INC., ITS WEB SITE OR WEB PAGES AND AFFILIATES, INCLUDING WITHOUT LIMITATION, UNION DISCOUNT MORTGAGE, INC. OR THEIR RESPECTIVE SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES AND/OR AGENTS, BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATIONS, CONTENT OR USE OF THE WEB SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow this form of a disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law, if any, apply unless they are required to be applied by statute, notwithstanding their exclusion by contract.

LOANS4LESS.COM, INC. DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH LOANS4LESS.COM, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR WEB SITE. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH THE WEB SITE. LOANS4LESS.COM, INC. MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY CONTENT THAT MAY BE AVAILABLE FOR DOWN LOADING FROM THE WEB SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCEL BOTS, OTHER CODES AND/OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA, PERSONAL OR OTHER INFORMATION.

The contents of our web site is intended only to assist you with decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any strategy, Loans4Less.com, Inc. recommends that you obtain additional information and advice from your attorney, accountant and/or other independent financial adviser who are fully aware of your individual circumstances.  

Applicable Law and Venue:
Our web site (excluding linked web sites) are operated in the State of California. Our web site can be accessed from all 50 states and the District of Columbia, as well as from other countries and locales around the world. These places have laws that may differ from those of California, and by accessing our web site, both you and Loans4Less.com, Inc. agree that the statutes and laws of the State of California, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to the use of our web site, except where federal law preempts California law. You and Loans4Less.com, Inc. also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of California with respect to all such matters. Loans4Less.com, Inc. does not make any representations that materials on our web site are appropriate or available for use in other locations, and by accessing them from territories where their contents are considered illegal is thus prohibited. Those who choose to use or access our web site from other locations do so by their own initiatives and are responsible for compliance with local laws.  

Copyright: The web site is operated by Loans4Less.com, Inc. Unless otherwise specified, all materials appearing on our web site, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements thereof are the sole property of Loans4Less.com, Inc. © 1997-2010 ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of our web site for the sole purpose of placing a request through our web site for products and/or services described on the web site. Any other use of materials on our web site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication, without prior written permission of Loans4Less.com, Inc. is strictly prohibited.  

Ownership: The design, text and images of our web site are owned or licensed by Loans4Less.com, Inc. and we authorize you to view or download a single copy of the material on our web site solely for your personal, non-commercial use, provided you retain all proprietary notices contained in the content. Elements of our web site are also protected by trade dress, service mark laws and other laws and may not be imitated in whole or in part on other web sites.

Intellectual Property Rights: All trade marks and/or service marks appearing on our web site are registered service marks, trade marks, trade names, trade dress of Loans4Less.com, Inc. and/or its wholly owned subsidiaries Union Discount Mortgage, Inc. and Loans4Less LTD (UK). All custom graphics, icons, logos and other items that appear on our web site, other than third party property rights, are the trade marks, service marks or trade dress of Loans4Less.com, Inc. The use of any Loans4Less.com, Inc. and/or its subsidiaries trade mark or service mark without express written consent from Loans4Less.com, Inc. is strictly prohibited.