TERMS & CONDITIONS OF USE

Welcome to Silverback Universal, LLC's website located at www.silverbackuniversal.com Your use of the Site is subject to these Terms and Conditions of Use ("Terms"), which include the Privacy Policy (“Privacy”). You must agree to these Terms before using the Site or any of the services offered through the Site (collectively, the “Service”). These Terms constitute a binding contract between Silverback Universal, LLC, (“Silverback Universal, LLC”, “we” or “us”) and you (“you”). BY USING THE SITE, YOU AGREE TO THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT ACCESS OR USE THE SITE.

We suggest that you print out a copy of these Terms for your records.

1. Registration

1. Scope of Use. The purpose of this Site is to assist customers, brokers and affiliate third parties in contacting Silverback Universal, LLC  and its agents concerning the services offered by Silverback Universal, LLC You represent that you are a prospective client or affiliate third party in the geographic areas (DC, MD, VA, GA) where Silverback Universal, LLC operates.
2. Registration Required. You must complete the Site registration process to create an account with a user name and password (the “Account”) in order to make full use of the Service.
3. Minimum Age. You must be eighteen (18) years of age or older to register for an Account.
4. Password and Identity. You may not share your password with anyone else. Any use of the Service through your Account will be deemed as being used by you. Silverback Universal, LLC is entitled to rely on the contact and other information that is supplied to us through your Account. Your Account is non-transferable and non-assignable.
5. Consent to Contact. BY REGISTERING FOR AN ACCOUNT, YOU CONSENT TO RECEIVE PERSONALIZED EMAILS, TELEPHONE CALLS AND/OR FAXES FROM Silverback Universal, LLC. You must always provide accurate, current and complete information to Silverback Universal, LLC for the Service. You must update such information in a timely manner to maintain its accuracy and completeness.
6. Broker Restrictions. No person, including any Agent, may market or make commercial use of the Content in any way, including without limitation advertising our services, copying our Content for commercial use, or contacting our customers or the owners or sellers of any properties listed on the Site.
7. Acknowledgment of Business-Consumer Relationship. By agreeing to these Terms, you acknowledge you are entering into a lawful business-consumer relationship as may be defined under state law. The relationship is not exclusive, and you are not obligated to work with Silverback Universal, LLC
8. Market Area. The market area served by the Site may be nationwide except for private mortgage lending (DC, MD, VA, GA only).
9. No Affiliation With outside Agent(s). You agree that you have not signed any agreement with any Agent that would prevent you from using Silverback Universal, LLC. You do not have a contract or agreement with any third party that would interfere with our business with you. You agree to notify us immediately in the event you enter into an agreement that conflicts with the aforementioned.
10. Outreach to Sellers Prohibited. You agree not to contact our clients to solicit business from information gained through the Site. You will not attempt to solicit our clients without explicit authorization from Silverback Universal, LLC.
11. We Represent Multiple Clients. You acknowledge and agree that we may also represent other prospective clients seeking financing on the same or related projects.
12. Authorization to Review Documents. You hereby authorize Silverback Universal, LLC to review and provide you with copies of various documents related to any potential finance application you submit to us.

2. Posting Content On The Site

1. Content Protected by Intellectual Property Rights. Any content available through the Site, including applications, software, text, audio, video, photos, pictures, graphics, music, sound clips, images, likenesses, personal information and other works of authorship (collectively, “Content”) is protected by the intellectual property rights of Silverback Universal, LLC  or its licensors. All right, title and interest in and to the Site and any Content will remain the exclusive property of Silverback Universal, LLC and its licensors.
2. Your Warranties Regarding Your Content. You may post to the Site or otherwise submit to us your Content, including without limitation comments regarding feedback regarding our services, or any other ideas, suggestions, documents or proposals. By submitting your Content, you warrant, represent and agree that:

a.      you own your Content or have sufficient rights in your Content to grant to Silverback Universal, LLC the rights described in these Terms;

b.     your Content does not and will not infringe the intellectual property rights, privacy, rights to publicity or any other legal or moral rights of any third party;

c.      your Content is true and accurate to the best of your knowledge;

d.      your Content does not include confidential or proprietary information;

e.      if we so choose, we may use and disclose your Content in any way; and

f.       we have no obligation to pay or reimburse you for your Content or our use of your Content.

3. Prohibited Content. You must not post to the Site any Content that, as reasonably determined by Silverback Universal, LLC, is or appears to be the following:

a.      untrue, misleading, harmful, threatening, fraudulent, abusive, harassing, defamatory, vulgar, obscene, invasive to another person’s privacy or protected data, hateful, or racially, morally or otherwise objectionable;

b.     infringing upon or misappropriating a third party’s intellectual property rights, including any patent, trademark, trade secret, copyright, right of publicity, including any Content that is the subject of any claim of infringement or misappropriation;

c.      of a type that you do not have the right to transmit under any law or contractual or fiduciary relationships, such as proprietary and confidential information;

d.      information that references personally identifiable information, such as address, email address, contact information, or phone number;

e.      unsolicited, undisclosed or unauthorized advertising;

f.       software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

g.      data or information obtained through access that was not authorized by the owner, or that you are not authorized to post; or

h.     in violation of any applicable local, state, national or international law (including export control, consumer protection, unfair competition, anti-discrimination, fair housing and false advertising laws).

3. Ownership Of Content; License

1. Ownership of Your Content. You retain ownership of your rights in any Content you post to the Site, subject to the non-exclusive rights that you grant to us as described in these Terms.
2. Your License to Silverback Universal, LLC. You hereby grant Silverback Universal, LLC  an irrevocable, perpetual, worldwide, royalty-free, freely transferable, freely sub-licensable (through unlimited levels of sublicense), non-exclusive license to use, reproduce, modify, delete, translate, transmit, sell and distribute, advertise in, on and around, and create derivative works of the Content you submit or make available for inclusion on or through the Site, and to incorporate such Content into other works in any form, media, or technology now known or later developed without compensation to you.

4. User Restrictions

1.  Conduct on the Site. You must not do, or attempt to do, any of the following, as reasonably determined by Silverback Universal, LLC, subject to applicable law:
   • access or use the Site in any way that is not in compliance with any applicable local, state, national or international law (including export laws), contracts, intellectual property rights or constitutes the commission of a tort, or for any purpose that is harmful or unintended (by us), or other than in full compliance with these Terms;
   • use any Content in violation of any applicable laws, rules or regulations, or any germane agency.
   • access, tamper with, or use services or areas of the Site that you are not authorized to access;
   • alter information on or obtained from the Site;
   • tamper with postings, registration information, profiles, submissions or Content belonging to Silverback Universal, LLC or other users of Silverback Universal, LLC;
   • use any robot, spider, scraper or other automated means or interface not provided by us to access the Site or extract data or gather or use information, such as email addresses, available from the Site or transmit any unsolicited advertising, “junk mail,” “spam,” or “chain letters”;
   • frame any part of the Site, or link to the Site, or otherwise make it look like you have a relationship with us or that we have endorsed you or your Content for any purpose except as expressly permitted in writing by Silverback Universal, LLC;
   • impersonate or misrepresent your affiliation with any person or entity;
   • reverse engineer any licensed software, application, games or any other aspect of the Site or do anything that might discover source code, or bypass or circumvent measures employed to prevent or limit access to any area, content or code of the Site;
   • send to or otherwise impact us or the Site (or anything or anyone else) with harmful, illegal, deceptive or disruptive code such as a virus, “spyware,” “adware” or other code that could adversely impact the Site or any recipient; or
   • take any action which might impose a significant burden (as determined by us) on the Site’s infrastructure or computer systems or otherwise interfere with the ordinary operation of the Service.

2. Personal Use Only. The Site is for personal use only. You may not reproduce, copy, sell or otherwise exploit the Site or any part thereof, or access or use the Site for any commercial purposes.
3. Listing Services. You acknowledge that the individual listing services, including the residential listing service and the multiple listing service, which supply the data to the Site, own such data, and you acknowledge the validity of their respective copyrights to such data.

5. Monitoring And Protection Of Content

1. No Duty to Monitor. We may provide certain forums on the Site for users to post feedback and opinions regarding the Content. You acknowledge and agree that we are not obligated to monitor, restrict or filter any Content posted anywhere on the Site. We do not regularly monitor the accuracy or reliability of Content. However, we reserve the right to modify or remove any Content at any time. Any Content posted or made available by third parties, including other users, are those of the respective author(s) and not of Silverback Universal, LLC. Silverback Universal, LLC, neither endorses nor is responsible for the accuracy or reliability of any Content posted on the Site.
2. License by Silverback Universal, LLC to You. You must respect the intellectual property laws protecting the Site. Silverback Universal, LLC  grants you a limited, revocable, non-transferable, non-sublicensable, non-exclusive license, under the rights Silverback Universal, LLC has in the Content, to privately display the Content on your computer and to download and print a single copy thereof, subject to the restrictions set forth herein.
3. Reservation of Rights. On its own behalf and behalf of its licensors, Silverback Universal, LLC reserves all rights in the Content, including any software, not expressly granted in this Section. Silverback Universal, LLC does not in any way grant any other rights to you. Except as expressly stated in this Section, you may not reproduce, distribute, modify, publicly perform or display, or prepare derivative works of any Content, including any software, without prior written consent from Silverback Universal, LLC or other third-party owner of the rights in that Content (if any).

6. Term And Termination

1. Term. These Terms remain in full force and effect until terminated in accordance with this Section.
2. Right to Terminate. We may, at any time, terminate your access to the Site, and your Account, for any reason, consistent with local, state and federal fair housing and other laws, including if we believe in our sole discretion that you may have violated these Terms or have otherwise engaged in any activities that may harm or damage the reputation, rights, person, or property of Silverback Universal, LLC , our users, or any other person.
3. Effect of Termination. Upon termination of your Account, your agreement with Silverback Universal, LLC pursuant to these Terms will also terminate, except that the following provisions survive the termination: Section 2 “Posting Content on the Site,” Section 3 “Ownership of Content; License,” Section 5 “Monitoring and Protection of Content,” Section 6 “Term and Termination,” Section 8 “Warranty and Indemnification,” and Section 11 “Miscellaneous” and the Privacy Policy. If your Account or access to the Service is terminated, you may no longer have access to the Content you posted on the Site. Upon termination, Silverback Universal, LLC may remove and discard your Content from the Site. Silverback Universal, LLC will not be liable to you or any third party for any termination of your Account or your access to the Site.

7. Advertisements And Other Links To Third Party Sites

Our Site may contain advertisements and other links to third party web sites. The advertisements and other linked sites are not part of the Site and are not under our control. Consequently, we are not responsible for the accuracy, legality, decency, availability or content of any advertisement on our Site, any linked site, any link contained in a linked site, or any changes or updates to such sites. We provide links to you only as a convenience, and we do not endorse the advertiser, the product or service advertised, the linked site or its use or contents. You use the links at your own risk. You hereby irrevocably waive any claim against us with respect to any such advertisements or third-party sites.

8. Warranty And Indemnification

1. No Warranty. ALL INFORMATION, CONTENT, AND SERVICE AVAILABLE THROUGH THE SITE ARE FOR INFORMATION PURPOSES ONLY AND ARE PROVIDED BY US ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. Without limiting the generality of the forgoing, Silverback Universal, LLC , its owners, affiliates, officers, directors, employees, agents, contractors, content or service providers (including listing service providers), investors, successors and assigns (collectively, the “Silverback Universal, LLC Group”) specifically disclaim any and all warranties, express or implied by statute or otherwise, including but not limited to: (1) any warranties concerning the availability, accuracy, usefulness, or content of or uninterrupted access to information, products or services and (2) any warranties of title, non-infringement, merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, or destruction or unauthorized access or alteration of or use of record in connection with the use or operation of the Service, whether for breach of contract, tort, negligence or any other cause of action.
2. Use At Your Own Risk. Any listing on the Site may be updated, changed, modified, withdrawn, sold or rented at any time without notice. Any furnishings, decorations and artist representations are provided for illustrative purposes only. All square footage and dimensions are approximate. Before you act on any information you have found on the Site, you should independently confirm any facts that are important to your decision, including without limitation obtaining any exact dimensions by retaining the services of a professional architect or engineer. The information contained on the Site is not intended to be comprehensive, and may not be accurate, up-to-date or applicable to any particular case. IF YOU RELY ON ANY INFORMATION, CONTENT OR SERVICE AVAILABLE THROUGH THE SITE, YOU EXPRESSLY AGREE THAT YOU DO SO SOLELY AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS YOU MAY INCUR THAT RESULTS FROM YOUR USE OF ANY INFORMATION, CONTENT OR SERVICE FROM THE SITE. NO MEMBER OF Silverback Universal, LLC CAN ACCEPT ANY LIABILITY FOR ANY INACCURACIES OR OMISSIONS IN THIS SITE.
3. Indemnification. By choosing to use the Site, you agree to indemnify, defend and hold harmless Silverback Universal, LLC from any and all claims or damage, including attorney’s fees, arising out of or related to: (1) Content you choose to submit, post or transmit through the Site; (2) your use of or connection to the Site; (3) your violation of these Terms; or (4) your violation of any rights of another.
4. Limitation of Liability. To the extent permitted by applicable law, no member of the Silverback Universal, LLC Group shall be liable to you or any other third party for any direct, indirect, incidental, special, punitive or consequential damages arising out of your access to or use of the Site or any information contained in it, or your inability to gain access to or use the Site, or any breach of any warranty, even if Silverback Universal, LLC has been advised of the possibility of such damages. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE OR THE SERVICE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE SERVICE.

9. Notices And Contact Information

Except as otherwise provided in these Terms, Silverback Universal, LLC will give you any notices, and you hereby authorize Silverback Universal, LLC to send notices (including notice of subpoenas or other legal process, if any), via electronic mail to the email address that we have on record for you. You will be considered to have received a notice when sent by Silverback Universal, LLC via electronic mail, whether or not received by you. Silverback Universal, LLC may provide notice to any email or other address that you provide to us. You must keep your address current, and any notice sent by Silverback Universal, LLC to the address that you have most recently provided is effective notice. Any notice you provide to us must be sent by mail to Silverback Universal, LLC, 29 Buffalo Avenue, Brooklyn, New York 11233

10. Amendments

1. Changes to Terms. At any time and for any reason, Silverback Universal, LLC may change or update these Terms, which include the Privacy Policy and any other agreement that is incorporated by reference into these Terms, without notice to you. Any change or update made by us will be prospective only. You can always find the most recent version of the Terms here. In case of inconsistencies between these Terms and any materials provided off-line, these Terms will always control.
2. Your Obligation to Stay Current. It is critical that you keep your email contact information correct and updated with Silverback Universal, LLC at all times. In addition, we encourage you to check back regularly to review these Terms.
3. Changes to Service. We reserve the right to modify or discontinue, and restrict or block access to, the Service without notice to you. We may modify or remove any Content from the Service at any time without notice to you, including removal of Content that we believe to be obscene, lewd, lascivious, excessively violent, harassing, or otherwise objectionable. We are not liable for any such modification, suspension, discontinuance or removal, and any such action by us will not affect Silverback Universal, LLC ’s license to your Content as stated in Section 3 above.

11. Miscellaneous

1. Agreement to Conduct Transactions Electronically. All of your transactions with or through the Site may, at our option, be conducted electronically from start to finish. If the law allows you to withdraw this consent or if we are ever required to deal with you non-electronically, we reserve the right to charge or increase fees and you agree to print or make an electronic copy of the Terms and any other contract or disclosure that we are required to provide to you.
2. Interpretation. The paragraph headings in these Terms are included to help make these Terms easier to read and have no binding effect. As used in these Terms, the words “include” and “including” are meant to be illustrative and not exhaustive.
3. Third Party Rights. These Terms are for the sole benefit of Silverback Universal, LLC, our officers, directors, employees, affiliates and agents. No other person, including any user of the Site, shall have the right to assert a claim under these Terms.
4. Severance. If any part of the Terms is held by a court of competent jurisdiction to be invalid or unenforceable, the invalid or unenforceable part will be given effect to the greatest extent possible and the remainder will remain in full effect, provided that the allocation of risks described in these Terms is given effect to the fullest extent possible.
5. Assignment. These Terms are personal to you, and you may not transfer, assign or delegate them to anyone without the express written permission of Silverback Universal, LLC. Any attempt by you to assign, transfer or delegate these Terms without the express written permission of Silverback Universal, LLC, will be null and void. Silverback Universal, LLC has the right to transfer, assign and delegate these Terms to one or more third parties without your permission.
6. Export Limitations. This Site is controlled by us from our offices in the United States of America and is directed to U.S. users. If you access the Site from locations outside the U.S., you do so at your own risk and you are responsible for compliance with applicable local laws. You may not use or export anything from the Site in violation of U.S. export laws and regulations or the Terms.
7. Jurisdiction; Choice of Law; Waiver of Jury Trial. These Terms and all performances and claims of every nature between us are governed by the laws of the State of New York, U.S.A., without regard to any conflict of laws principles that would result in the application of the law of a different jurisdiction. You and Silverback Universal, LLC submit to the exclusive personal jurisdiction and venue of the state and federal courts located within the City of New York. The parties hereto waive any right to request a trial by jury.
8. Limitations on Actions. Any action concerning any dispute with respect to the Site must be commenced within one year after the cause of the dispute arises, or the cause of action is barred.
9. Entire Agreement. These Terms comprise the entire agreement between you and Silverback Universal, LLC with respect to the use of the Site and supersede all contemporaneous and prior agreements between the parties regarding the subject matter contained herein.
10. No Waiver. The failure of any party to exercise or enforce any right or provision of these Terms, including any failure to act with respect to a breach, will not constitute a waiver of such right or provision or that party’s right to act with respect to subsequent or similar breaches.
11. Third Party Vendor. Our website and contact center may be staffed by a third-party vendor to support, screen, and answer telephone, email, text, and internet customer inquiries about Silverback Universal, LLC. Any information collected is confidential and is not shared with any other parties.

12. Additional OR Required Notices

1. Notice Regarding Trademarks. The Site includes certain trademarks and service marks owned by Silverback Universal, LLC, its affiliates and others. You agree not to use these trademarks or service marks in any manner without the express written permission of the owner. You further agree that you will not alter or remove any copyright, trademark or other legal notice from any Content.
2. Notice Regarding Copyrights. Silverback Universal, LLC respects the intellectual property rights of others and requests that users of the Site do the same. In accordance with the Digital Millennium Copyright Act of 1998 (DMCA), if you believe that your work is being used on the Site in a way that constitutes copyright infringement, you may notify us at Silverback Universal, LLC, 29 Buffalo Avenue, Brooklyn, New York 11233. Please provide the following information:

·        the electronic or physical signature of the owner of the copyright or the person authorized to act on the owner’s behalf;

·        identification of the copyrighted work that you claim has been infringed;

·        identification of the material that is claimed to be infringing and information reasonably sufficient to permit Silverback Universal, LLC to locate the material (for example, by providing a URL to the material);

·        your name, address, telephone number and email address;

·        a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

·        a statement that the information in your notification is accurate and a statement, made under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

·        It is our policy to terminate in appropriate circumstances any Account or user for infringement of intellectual property rights, including copyrights. Silverback Universal, LLC may access, preserve and disclose to third parties any of your information or data (including personally identifiable information and private communications) related to a written complaint of copyright infringement if we believe in our sole discretion that such access, preservation, or disclosure is necessary or useful to respond or otherwise address such complaint.

3. Notice of Availability of Filtering Software. Minors are not authorized to visit our Site. We do not believe that the Site contains materials that would typically be the subject of filtering software. Nevertheless, all users are hereby informed that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist in limiting access to material that is harmful to minors. A report detailing some of those protections can be found at http://www.ntia.doc.gov/ntiahome/ntiageneral/cipa2003/index.html (Children’s Internet Protection Act: Report on the Effectiveness of Internet Protection Measures and Safety Policies).
4. No Harvesting or Dictionary Attacks Allowed. We will not give, sell, or otherwise transfer addresses maintained by us to any other party for the purposes of initiating, or enabling others to initiate, electronic mail messages except as authorized by law or appropriate personnel or policies. Except for parties authorized to have such addresses, persons may violate federal law if they: (1) initiate the transmission to our computers or devices of a commercial electronic mail message (as defined in the U.S. "CAN-SPAM Act of 2003") that does not meet the message transmission requirements of that act; or (2) assist in the origination of such messages through the provision or selection of addresses to which the messages will be transmitted.