TERMS OF SERVICE

Effective Date: July 15, 2017

Welcome to FEES KEYS LLC ("FEES KEYS"), which provides its services to you subject to the following Terms of Service. If you visit or use this website, you accept these Terms of Service. Please read them carefully.

PRIVACY
Please review FEES KEYS's Privacy Policy, which also governs your visit to our website, to understand our practices.

COPYRIGHT
All content included on this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of FEES KEYS or its content suppliers and protected by domestic and international copyright laws. The compilation of all content on this website is the exclusive property of FEES KEYS, with copyright authorship for this collection by FEES KEYS, and protected by domestic and international copyright laws.

TRADEMARKS
FEES KEYS's trademarks and trade dress may not be used in connection with any product or service that is not FEES KEYS's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits FEES KEYS. All other trademarks not owned by FEES KEYS that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by FEES KEYS.

REFUNDS
FEES KEYS does not offer refunds.

LINKS TO OTHER WEBSITES
We provide links to other websites. You acknowledge and agree that, because we have no control over such websites, we are not responsible for them or their content, advertising, products or other materials on or available from such websites. You further acknowledge and agree that FEES KEYS will not be liable for any loss whatsoever for any damages caused by or incurred in connection with the use of or reliance on the information, goods or services available through any such website.

RISK OF LOSS; DISCLAIMERS
FEES KEYS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR SERVICES INCLUDED ON THIS WEBSITE. BY YOUR USE OF THIS WEBSITE, YOU EXPRESSLY ACKNOWLEDGE THAT SUCH INFORMATION AND SERVICES MAY CONTAIN INACCURACIES OR ERRORS AND FEES KEYS EXPRESSLY EXCLUDES LIABILITY FOR ANY SUCH INACCURACIES OR ERRORS TO THE FULLEST EXTENT PERMITTED BY LAW.

FEES KEYS IDENTIFIES AND ANALYZES CHARGES SET FORTH IN 38 CODE OF FEDERAL REGULATIONS (C.F.R.) 36.4313, VA PAMPHLET 26-7, VA CIRCULARS AND GUIDELINES, THE REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) REGULATION X, AND THE CONSUMER FINANCIAL PROTECTION BUREAU'S (CFPB) INTEGRATED MORTGAGE DISCLOSURE RULES. FEES KEYS DOES NOT WARRANT THAT IT WILL BE ABLE TO IDENTIFY POTENTIALLY IMPROPER CHARGES THAT ARE NOT CONTAINED IN THESE SOURCES. FURTHER, FEES KEYS DOES NOT HAVE THE AUTHORITY TO ENFORCE ANY REGULATIONS, AND YOU EXPRESSLY AGREE THAT FEES KEYS SHALL NOT BE HELD LIABLE IF A LENDER DOES NOT OBEY ANY LAWS OR REGULATIONS, OR IF ANY LAWS OR REGULATIONS ARE NOT ENFORCED.

FEES KEYS CANNOT CONTROL DATA ENTRIES BY THE USER, AND YOU EXPRESSLY AGREE THAT FEES KEYS SHALL NOT BE HELD LIABLE FOR ANY DATA ENTRY ERRORS YOU MAY MAKE.

FEES KEYS IDENTIFIES AND ANALYZES EXCESSIVE FEES, NOT POTENTIAL UNDERPAYMENT(S) YOU MAY HAVE MADE. ACCORDINGLY, A REGULATOR, LENDER, OR OTHER PERSON OR ENTITY MAY LATER IDENTIFY ADDITIONAL FEES IT BELIEVES YOU OWE. YOU AGREE THAT FEES KEYS SHALL NOT BE HELD LIABLE IF IT IS SUBSEQUENTLY DETERMINED THAT YOU OWE ADDITIONAL FEES.

YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMITTED BY LAW, FEES KEYS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF QUALITIES OF SERVICES. FEES KEYS DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM FEES KEYS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULLEST EXTENT PERMITTED BY LAW FEES KEYS WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES AND, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY LIABILITY OF FEES KEYS IS LIMITED TO THE AMOUNT YOU HAVE PAID FOR OUR SERVICE. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

APPLICABLE LAW
By visiting FEES KEYS, you agree that the laws of the State of Florida, without regard to principles of conflict of laws, will govern these Terms of Service and any dispute of any sort that might arise between you and FEES KEYS.

DISPUTES
Any dispute relating in any way to your visit to FEES KEYS shall be submitted to confidential arbitration in the State of Florida, except that, to the extent you have in any manner violated or threatened to violate FEES KEYS's intellectual property rights, FEES KEYS may seek injunctive or other appropriate relief in any state or federal court in the State of Florida, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitration award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

MODIFICATION, AND SEVERABILITY
FEES KEYS reserves the right to make changes to our website, policies, and these Terms of Service at any time. If any of these terms or conditions shall be deemed invalid, void, or for any reason unenforceable, that term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining term condition.

ADDITIONAL TERMS AND INFORMATION
FEES KEYS reserves the right to terminate your access to this website without any advance notice. You may not create a link to this website from another website or document without prior written consent of FEES KEYS. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

QUESTIONS
Questions regarding our Terms of Service, Privacy Policy, or other policy related material can be directed to us by clicking on the "Feedback" link located at the bottom of this page.

PRIVACY POLICY

Effective Date: July 15, 2017

This privacy policy outlines how we make use of the information you submit to us. FEES KEYS LLC ("FEES KEYS") reserves the right to modify this privacy policy at any time, and we ask that you periodically visit this page to review the current terms of our privacy policy.

PERSONAL INFORMATION
FEES KEYS collects and maintains information about you for internal use. This information may include your VA Guaranteed Home Loan eligibility and status, your closing document selection, the name of the lender(s) you provide to us, the loan number you provide to us, and the closing costs, fees, and credits you provide to us. Additional information, such as your IP address, operating system, or browser information, may be collected whenever you interact with us or our website. We collect this information in order to compile usage statistics. FEES KEYS does not allow third parties to access or use any information about you, and does not sell, rent, or in any other way provide such information to third parties, except under the following conditions:

1. We have your consent to do so.
2. We believe that it is necessary to do so in order to respond to any claims.
3. We believe that it is necessary to do so in order to comply with the law, legal processes, or authorities.
4. We believe that it is necessary to do so in order to protect the rights, property, interests, or safety of FEES KEYS, our employees, our users, or the public.
5. We are required to do so in connection with an acquisition, merger, or sale of all or a portion of our business.

When you submit your information to FEES KEYS, all information you enter is encrypted via a secure sockets layer (SSL) before it is sent over the Internet to our secure server.

ANALYTICS INFORMATION
We may directly collect analytics data, or use third-party analytics tools and services, to help us measure traffic and usage trends for the Service. These tools collect information sent by your browser or mobile device, including the pages you visit and other information that assists us in improving the Service. We collect and use this analytics information in aggregate form such that it cannot reasonably be manipulated to identify any particular individual user.

COOKIES
Whenever you interact with us or our website, feeskeys.com may place a "cookie" in the browser files of your computer. Cookies are data files that help your browser communicate with feeskeys.com.
Most browsers are set to accept cookies by default. You can reject or block cookies by changing your browser settings. However, if your browser rejects or blocks a cookie, it may impact your ability to use some of our website and our service.

"DO NOT TRACK" SIGNALS
FEES KEYS does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. Nor does FEES KEYS allow other parties to collect personally identifiable information about your online activities over time and across different websites when you use our website or service. Further, FEES KEYS does not subscribe to companies that follow users' actions across various websites to provide targeted advertisements.

ONLINE SECURITY
Our online transaction processing is provided by PayPal. For further information please review PayPal's Security Policy at https://www.paypal.com/us/webapps/mpp/ua/privacy-full

DATA SECURITY
We use commercially reasonable administrative, technical, personnel, and physical security measures designed to safeguard information about you in our possession against loss, theft and unauthorized use, disclosure or modification. Of course, despite these measures, we cannot guarantee perfect security of networks, servers and databases we operate or that are operated on our behalf.

Contact Us
Questions, concerns and comments regarding our Privacy Policy can be directed to us by clicking on the "Contact" link located at the bottom of this page.