1. As a condition of your use of this Web site and the interactive services contained therein, you represent and warrant to the owner of this site that you will not use this web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

2. This Web site contains one or more of the following interactive services: links, calculators and/or other message or communication facilities. You agree to use such services only to send and receive messages and material that are proper and related to the particular service, message or communication facility. In addition to any other terms or conditions of use of this site and/or message or communication facilities, you agree that when using one, you will not:

Publish, post, upload, distribute or disseminate any inappropriate, profane, derogatory, defamatory, infringing, improper, obscene, indecent or unlawful topic, name, material or information.

Download for distribution in any manner any file that you know, or reasonably should know, cannot be legally distributed in such manner.

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Restrict or inhibit any other user from using and enjoying any of the services, message or communication facilities.

3. North Star Mortgage Services has no obligation to monitor the services contained herein. However, North Star Mortgage Services reserves the right at all times to disclose any information deemed necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part.

4. You acknowledge that communication facilities are not private communications, therefore others may read your communications without your knowledge. You should always use caution when providing any personal information.

5. The information, products, and services included on this Web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. North Star Mortgage Services may make improvements and/or changes in this Web site at any time. Advice received via this Web site should not be relied upon for personal, legal or financial decisions and you should consult us for professional specific advice tailored to your situation.

6. North Star Mortgage Services MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, PRODUCTS, AND SERVICES CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.

7. North Star Mortgage Services HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE INFORMATION, PRODUCTS, AND SERVICES CONTAINED ON THIS WEB SITE, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

8. IN NO EVENT SHALL NorthStar Mortgage Services BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED

WITH THE USE OR PERFORMANCE OF THIS WEB SITE,

WITH THE DELAY OR INABILITY TO USE THIS WEB SITE,

WITH THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR

FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF NorthStar Mortgage Services HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

9. DUE TO THE FACT THAT CERTAIN JURISDICTIONS DO NOT PERMIT OR RECOGNIZE AN EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SITE.

10. North Star Mortgage Services reserves the right in its sole discretion to deny any user access to this Web site, any interactive service herein, or any portion of this Web site without notice, and the right to change the terms, conditions, and notices under which this Web site is offered.

11. This agreement is governed by the laws of the Minnesota U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts in our county of business in the state of Minnesota U.S.A. in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and NorthStar Mortgage Services as a result of this agreement or use of this Web site. The performance of this agreement by North Star Mortgage Services is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of its right to comply with governmental, court and law enforcement requests or requirements relating to your use of this Web site or information provided to or gathered with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.