DISCLAIMER: FamilyTreeLoans.com, LLC ("LLC") maintains www.familytreeloans.com and its related sites (collectively the "Site") for your personal information, entertainment, and enjoyment. Please feel free to browse, download from, and otherwise use the Site. At the same time please remember that your access to Site is subject to the following rules (the "Rules") as well as all applicable local, state, federal and international laws. By accessing and using the Site, you accept and agree to the Rules and our Terms of Use without limitation or qualification, and acknowledge that any other agreements you may have with LLC or the Site are superseded by the Rules, to the extent any conflict exists. If you do not agree with these Rules, do not use the Site. LLC may at any time revise these Rules by updating this posting. You are bound by such revisions and should therefore visit and revisit this page to review the current Rules from time to time. The language and information accessed by you and provided through this site does not constitute and is not legal advice and does not create any attorney-client relationship, alternatively, it is general information on certain common legal topics. The Site exists to provide a self help program for services enumerated in the Site's pages; it does not nor can it provide legal advice. The LLC, Site and FamilyTreeLoans.com are not a law office, not a legal firm, and do not purport to be a substitute for a state licensed attorney, law office or firm. The LLC, Site and FamilyTreeLoans.com are not a mortgage relief company, a CPA firm, Real Estate Broker, Financial or Securities Adviser, Insurance Broker, or a Debt Settlement or Credit Repair Company. NO UNAUTHORIZED PRACTICE OF LAW or guidance on tax matters is ever rendered to the any user of the Site or any member of the general public. YOU AGREE AND WARRANT TO US THAT BY USING THE SITE AND ANY OF ITS SERVICES OR PRODUCTS THAT YOU ARE AT LEAST EIGHTEEN YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT. Any communication between you and FamilyTreeLoans.com is protected by our Privacy Policy, but is not protected by any attorney-client privilege or legal work product doctrine. When visiting Site from other countries or regions, or other web sites that are not owned or operated by LLC, you should review the privacy policy for each specific site, as each may contain different terms. FamilyTreeLoans.com, LLC. has multiple locations to serve you, and is located at 13854 Simone Drive Shelby Township, Michigan, 48315.  TERMS OF USE PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. By using the FamilyTreeLoans.com website (the "Site"), you agree to follow and be bound by these terms of use (the "Terms of Use") and agree to comply with all applicable laws and regulations. In these Terms of Use, the words "you" and "your" refer to each customer or Site visitor, "we", "us" and "our" refer to FamilyTreeLoans.com. and "Services" refers to all services provided by us. We may revise these Terms of Use and our Rules at any time without notice to you. It is your responsibility to review these Terms of Use periodically. If at any time you find these Terms of Use unacceptable or if you do not agree to these Terms of Use, simply cease using the Site. If you have any questions about these Terms of Use, contact us. FamilyTreeLoans.com gives visitors a general understanding of appropriate documents to achieve certain objectives. It provides a product solution to individuals who choose to prepare their own legal documents. To that extent, the Site includes general information on commonly encountered legal issues in non-FDIC regulated lending. FamilyTreeLoans.com's Services include a review of your answers to our Handshake-Plus Inquiry. You provide us the terms of the transaction you prepared, and we provide a review for party name and identification consistency throughout the documents, completeness, spelling and language. At no time will we review your answers for legal sufficiency, draw legal conclusions, provide legal advice or apply the law to the facts of your particular transaction or situation. FamilyTreeLoans.com and its Services are not substitutes for the advice of a licensed attorney. Access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations. Unless otherwise specifically indicated, you may download material displayed on the Site for personal, non-commercial use only. You may not distribute, modify, copy, publish, transmit, display, sell, license, use, reuse or create derivative works of any of the contents of or material displayed on the Site for any public or commercial purpose without the written consent of the Site or any third party the Site deems necessary. You must retain all copyright and other proprietary notices on downloaded, printed, shared and/or copied material. Any copy of material from the Site you make and distribute for any purpose must also include these Terms. You may not access or use the Site in any way that could or is intended to damage or impair the Site, or any of its employees standing in the marketplace, or any server or network underlying the Site, or interfere with anyone else's use and enjoyment of the Site. FamilyTreeLoans.com does not and will not underwrite, take accountability for or guaranty in any way, the repayment of any debt between the parties for which the company documents a transaction. Credit quality is not an accepted responsibility by FamilyTreeLoans.com. Some loans will go unpaid. There are numerous reasons for a debtor to fail to pay as originally agreed. Therefore, FamilyTreeLoans.com never takes or accepts any liability toward the repayment of the loan.  The FamilyTreeLoans.com customer agrees to indemnify and hold harmless, FamilyTreeLoans.com, any parent, sister and subsidiary companies and any individuals related to any of the entities by way of ownership, employment or contracting, from any loss related to a loan going unpaid by virtue of the debtor being unable or unwilling to pay its debt.  FamilyTreeLoans.com warrants and represents only that its documents provided to its customers can be relied upon for their accuracy in reflecting the transaction initially shared with the company, due to the customer acknowledging the same.  FamilyTreeLoans.com strives to keep its form documents accurate, current and up-to-date. However, because the law changes rapidly, FamilyTreeLoans.com cannot guarantee that all of the information on the Site is completely current. The law is different from jurisdiction to jurisdiction, and will always be subject to interpretation by different courts. The law is a specific and personal matter, and no general information or legal tool like the kind FamilyTreeLoans.com provides can fit every circumstance. Furthermore, if there is any legal information contained on the Site, it is not legal advice and is not fit for any particular purpose, not guaranteed to be correct, complete or up-to-date. Therefore, if you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our self-help system, you should consult a licensed attorney in your area. If FamilyTreeLoans.com ever provides attorney access information, or introduces visitors to attorneys through any method whatsoever, at no time is an attorney-client relationship fostered or created between FamilyTreeLoans.com and/or Site and any parties, through the performance of any such services. You understand and acknowledge that if you do not hire legal counsel, you are and will be representing yourself in any legal matter you undertake through FamilyTreeLoans.com's document service. FamilyTreeLoans.com reserves the right to refuse to prepare self help documents for transactions it deems in its sole discretion, too complicated for that method of memorializing a transaction. In that event, FamilyTreeLoans.com may, at its sole discretion, contact the prospective customer regarding hiring the appropriate parties to review, draft, prepare and/or publish, certain documents. FamilyTreeLoans.com will refund any money paid to it if it exercises its right to refuse to prepare the requested documents.