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Terms of Use

Titans of Mortgage provides a subscription service that allows our members to access entertainment and educational content ("Titans of Mortgage content") over the Internet on certain Internet-connected TV's, computers and other devices ("Titans of Mortgage ready devices").

The Titans of Mortgage service is provided to you by Titans Media LLC. You have accepted these Terms of Use, which govern your use of our service. As used in these Terms of Use, "Titans of Mortgage", "our service" or "the service" means the personalized service provided by Titans of Mortgage for discovering and accessing Titans of Mortgage content, including all features and functionalities, recommendations and reviews, our websites, and user interfaces, as well as all content and software associated with our service. References to 'you' in these Terms of Use indicate the member who created the Titans of Mortgage account and who access the content.

YOU AGREE TO THE ARBITRATION AGREEMENT AND CLASS ACTION WAIVER DESCRIBED IN SECTION 7 TO RESOLVE ANY DISPUTES WITH TITANS MEDIA LLC (EXCEPT FOR MATTERS THAT MAY BE TAKEN TO SMALL CLAIMS COURT).

1. Membership

1.1. Your Titans of Mortgage membership will continue and automatically renew until terminated. To use the Titans of Mortgage service you must have Internet access and a Titans of Mortgage ready device and provide us with one or more Payment Methods. "Payment Method" means a current, valid, accepted method of payment, as may be updated from time to time and which may include payment through your account with a third party. You must cancel your membership before it renews in order to avoid billing of the subscription fees for the next billing cycle to your Payment Method (see "Cancellation" below).

1.2. We may offer a number of subscription plans, some plans may contain commercial messages and advertising formats ("Advertisements"). All subscription plans may contain limited commercial content, such as branded content or sponsorship messaging, promos for Titans of Mortgage content or information about other Titans of Mortgage goods or services. In addition, we may give our users the opportunity to watch live or special events (including replays of such content) or to enjoy new additional features.

1.3. Some subscriptions are offered by third parties in conjunction with the provision of their own products and services. We are not responsible for the products and services provided by such third parties. In addition, some subscription plans may have differing conditions and limitations, which will be disclosed at your sign-up or in other communications made available to you. You can find specific details regarding your Titans of Mortgage subscription by visiting the titansofmortgage.com website and clicking on your profile at the top of the page.

2. Promotional Offers.

We may from time to time offer special promotional offers (such as sweepstakes, discounts and other incentives), plans or memberships ("Offers"). Offer eligibility is determined by Titans of Mortgage at its sole discretion and we reserve the right to revoke an Offer and put your account on hold in the event that we determine you are not eligible. Members of households with an existing or recent Titans of Mortgage membership may not be eligible for certain introductory Offers. We may use information such as device ID, method of payment or your contact information to determine Offer eligibility. The eligibility requirements and other limitations and conditions will be disclosed when you sign-up for the Offer or in other communications made available to you.

3. Billing and Cancellation

3.1. Billing Cycle. The subscription fee for the Titans of Mortgage service and any other charges you may incur in connection with your use of the service, such as taxes and possible transaction fees, will be charged to your Payment Method on the specific payment date indicated on the "Account" page. The length of your billing cycle will depend on the type of subscription plan that you choose when you signed up for the service. Subscription fees are fully earned upon payment. In some cases your payment date may change, for example if your Payment Method has not successfully settled, when you change your subscription plan or if your paid subscription began on a day not contained in a given month. Visit the titansofmortgage.com website and click on the "Account" page to see your next payment date. We may authorize your Payment Method in anticipation of subscription or service-related charges through various methods, including authorizing it up to approximately one month of service as soon as you register. If you signed up for Titans of Mortgage using your account with a third party as a Payment Method, you can find the billing information about your Titans of Mortgage subscription by visiting your account with the applicable third party.

3.2. Payment Methods. To use the Titans of Mortgage service you must provide one or more Payment Methods. You authorize us to charge any Payment Method associated to your account in case your primary Payment Method is declined or no longer available to us for payment of your subscription fee. You remain responsible for any uncollected amounts. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may suspend your access to the service until we have successfully charged a valid Payment Method. For some Payment Methods, the issuer may charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Check with your Payment Method service provider for details.

3.3 Updating your Payment Methods. You can update your Payment Methods by going to the "Account" page. We may also update your Payment Methods using information provided by the payment service providers. Following any update, you authorize us to continue to charge the applicable Payment Method(s).

3.4. Cancellation. You can cancel your Titans of Mortgage membership at any time, and you will continue to have access to the Titans of Mortgage service through the end of your subscription period. To cancel, go to the "Account" page on our titansofmortgage.com website and follow the instructions for cancellation. If you cancel your membership, your account will automatically close at the end of your subscription period. All subscription fees during the subscription period will be owed and not refunded even if you cancel prior to the end of your subscription.

3.5. Changes to the Price and Subscription Plans. We may change our subscription plans and the price of our service from time to time. We will notify you at least one month before any price changes or changes to your subscription plan will become effective. If you do not wish to accept the price change or change to your subscription plan, you can cancel your membership before the change takes effect.

3.6. No Refunds. Payments are nonrefundable and there are no refunds or credits for partially used subscription periods. Following any cancellation, however, you will continue to have access to the service through the end of your current subscription period. At any time, and for any reason, we may provide a refund, discount, or other consideration to some or all of our members ("credits"). The amount and form of such credits, and the decision to provide them, are at our sole and absolute discretion. The provision of credits in one instance does not entitle you to credits in the future for similar instances, nor does it obligate us to provide credits in the future, under any circumstance.

4. Titans of Mortgage Service

4.1. You must be at least 18 years of age to become a member of the Titans of Mortgage service. Individuals under the age of 18 may only utilize the service with the involvement of a parent or legal guardian, under such person's account and otherwise subject to these Terms of Use.

4.2. The Titans of Mortgage service and any content accessed through our service are for your personal and non-commercial use only and may not be shared with individuals or entities unless otherwise allowed by your subscription plan. During your Titans of Mortgage membership, we grant you a limited, non-exclusive, non-transferable right to access the Titans of Mortgage service and Titans of Mortgage content through the service. Except for the foregoing, no right, title or interest shall be transferred to you. You agree not to use the service for public or commercial use.

4.4. The Titans of Mortgage service, including the Titans of Mortgage content, is regularly updated. We therefore do not guarantee that particular content will be available on the Titans of Mortgage service at any given time. In addition, we continually test various aspects of our service, including but not limited to our websites, user interfaces and promotional features.

4.5. Depending on your subscription plan, some Titans of Mortgage content may be available for temporary download and offline viewing on certain supported devices ("Offline Titles"). Limitations apply, including restrictions on the number of Offline downloads per account, the maximum number of devices that can contain Offline Titles, the time period within which you will need to begin viewing Offline Titles and how long the Offline Titles will remain accessible.

4.6. You agree to use the Titans of Mortgage service, including all features and functionalities associated therewith, in accordance with all applicable laws, rules and regulations, or other restrictions on use of the service or content therein. Except as explicitly authorized by us, you agree not to:

  • (i) archive, reproduce, distribute, modify, display, perform, publish, license, create derivative works from, offer for sale, or use content and information contained on or obtained from or through the Titans of Mortgage service;
  • (ii) circumvent, remove, alter, deactivate, degrade, block, obscure or thwart any of the content protections or other elements of the Titans of Mortgage service, including the graphical user interface, any advertising or advertising features, copyright notices, and trademarks;
  • (iii) use any robot, spider, scraper or other automated means to access the Titans of Mortgage service;
  • (iv) decompile, reverse engineer or disassemble any software or other products or processes accessible through the Titans of Mortgage service;
  • (v) insert any code or product or manipulate the content of the Titans of Mortgage service in any way;
  • (vi) use any data mining, data gathering or extraction method;
  • (vii) upload, post, e-mail or otherwise send or transmit any material designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment associated with the Titans of Mortgage service, including any software viruses or any other computer code, files or programs; or
  • (viii) engage in any of the foregoing in connection with the use, creation, development, modification, prompting, fine-tuning, training, testing, benchmarking or validation of any machine learning tool, model, system, algorithm, product or other technology.

We may terminate or restrict your use of our service if you violate these Terms of Use or are engaged in illegal or fraudulent use of the service.

4.7. The quality of the display of the Titans of Mortgage content may vary from device to device, and may be affected by a variety of factors, such as your location, the bandwidth available through and/or speed of your Internet connection. HD, Ultra HD and HDR availability is subject to your Internet service and device capabilities. Spatial audio quality is subject to your device capabilities. Not all content is available in spatial audio or in all formats, such as HD, Ultra HD or HDR and not all plans allow you to receive content in all formats. The minimum connection speed for HD video quality (defined as a resolution of 720p or higher) is 3.0 Mbps per stream; however, we recommend a faster connection for improved video quality. A connection speed of at least 5.0 Mbps per stream is recommended to receive Full HD video quality (defined as a resolution of 1080p or higher). A connection speed of at least 15.0 Mbps per stream is recommended to receive Ultra HD video quality (defined as a resolution of 4K or higher). You are responsible for all Internet access charges. Please check with your Internet provider for information on possible Internet data usage charges. Titans of Mortgage makes no representations or warranties about the quality of your watching experience on your display. The time it takes to begin watching Titans of Mortgage content will vary based on a number of factors, including your location, available bandwidth at the time, the Titans of Mortgage content you have selected and the configuration of your Titans of Mortgage ready device.

4.8. The Titans of Mortgage software is developed by, or for, Titans of Mortgage and may solely be used for authorized streaming and to access content from Titans of Mortgage through Titans of Mortgage ready devices. This software may vary by device and medium, and functionalities may also differ between devices. By using our service, you agree to receive, without further notice or prompting, updated versions of the Titans of Mortgage and related third-party software. If you do not accept the foregoing terms, do not use our service.

4.9. By using our service, you agree to look solely to the entity that manufactured and/or sold you the Titans of Mortgage ready device for any issues related to the device and its compatibility with the Titans of Mortgage service. We do not take responsibility or otherwise warrant the performance of Titans of Mortgage ready devices, including the continued compatibility with our service.

5. Passwords and Account Access.

You are responsible for any activity that occurs through the Titans of Mortgage account. By allowing others to access the account (which includes access to information on viewing activity for the account), you agree that such individuals are acting on your behalf and that you are bound by any changes that they may make to the account, including but not limited to changes to the subscription plan. To help maintain control over the account and prevent any unauthorized users from accessing the account, you should maintain control over the devices that are used to access the service and not reveal the password or details of the Payment Method associated to the account to anyone. You agree to provide and maintain accurate information relating to your account, including valid contact information so we can send you account related notices. We can terminate your account or place your account on hold in order to protect you, Titans of Mortgage or our partners from identity theft or other fraudulent activity. Titans of Mortgage is not obligated to credit or discount a subscription for holds placed on the account by either a representative of Titans of Mortgage or by the automated processes of Titans of Mortgage. If your Titans of Mortgage ready device is sold, lost or stolen, please deactivate the Titans of Mortgage ready device. If you fail to log out or deactivate your device, subsequent users may access the Titans of Mortgage service through your account and may be able to access certain of your account information. To deactivate a device, follow instructions on the "Account" page of our titansofmortgage.com website.

6. Disclaimers of Warranties and Limitations on Liability

6.1. THE TITANS OF MORTGAGE SUBSCRIPTION AND ALL CONTENT AND SOFTWARE ASSOCIATED THEREWITH, OR ANY OTHER FEATURES OR FUNCTIONALITIES ASSOCIATED WITH THE TITANS OF MORTGAGE SUBSCRIPTION, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TITANS OF MORTGAGE DOES NOT GUARANTEE, REPRESENT, OR WARRANT THAT YOUR USE OF THE TITANS OF MORTGAGE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. TITANS OF MORTGAGE SPECIFICALLY DISCLAIMS LIABILITY FOR THE USE OF APPLICATIONS, TITANS OF MORTGAGE READY DEVICES, AND TITANS OF MORTGAGE SOFTWARE (INCLUDING THEIR CONTINUING COMPATIBILITY WITH OUR SERVICE).

6.2. TO THE EXTENT PERMISSIBLE UNDER APPLICABLE LAWS, IN NO EVENT SHALL TITANS OF MORTGAGE, OR ITS SUBSIDIARIES OR ANY OF THEIR SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES OR LICENSORS BE LIABLE (JOINTLY OR SEVERALLY) TO YOU FOR PERSONAL INJURY OR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER.

6.3. YOU MAY ENCOUNTER THIRD PARTY ADVERTISEMENTS OR OTHER COMMERCIAL CONTENT ON THE TITANS OF MORTGAGE SUBSCRIPTION. TITANS OF MORTGAGE DOES NOT ENDORSE OR SPONSOR ANY ADVERTISED PRODUCTS OR SERVICES AND TAKES NO RESPONSIBILITY FOR THE PRODUCTS OR SERVICES PROVIDED BY ADVERTISERS. ANY INTERACTIONS WITH ADVERTISERS, INCLUDING THROUGH ENGAGEMENT WITH INTERACTIVE ADVERTISEMENTS, ARE AT YOUR OWN OPTION AND RISK AND YOU AGREE THAT TITANS OF MORTGAGE IS NOT LIABLE FOR ANY DAMAGES THAT YOU MAY INCUR AS A RESULT OF SUCH INTERACTIONS.

6.4. NOTHING IN THESE TERMS OF USE SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU.

7. Arbitration Agreement

7.1. You and Titans of Mortgage agree that any dispute, claim or controversy arising out of or relating in any way to the Titans of Mortgage service, these Terms of Use and this Arbitration Agreement, shall be determined by binding arbitration or in small claims court. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award and nothing in this Arbitration Agreement shall be interpreted as limiting any non-waivable statutory rights. You agree that, by agreeing to these Terms of Use, the U.S. Federal Arbitration Act governs the interpretation and enforcement of this provision, and that you and Titans of Mortgage are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of this Agreement and the termination of your Titans of Mortgage membership.

7.2. If you elect to seek arbitration or file a small claim court action, you must first send to Titans of Mortgage, by certified mail, a written Notice of your claim ("Notice"). The Notice to Titans of Mortgage must be addressed to: General Counsel, Titans Media LLC., 722 1st Street, Unit D, Hermosa Beach, CA 90254("Notice Address"). If Titans of Mortgage initiates arbitration, we will send a written Notice to you via the contact information that we have available for you. A Notice, whether sent by you or by Titans of Mortgage, must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). If Titans of Mortgage and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Titans of Mortgage may commence an arbitration proceeding or file a claim in small claims court.

7.3. You may download or copy a form Notice and a form to initiate arbitration at www.adr.org. If you are required to pay a filing fee, after Titans of Mortgage receives notice at the Notice Address that you have commenced arbitration, Titans of Mortgage will reimburse you for your payment of the filing fee, unless your claim is for greater than US$10,000, in which event you will be responsible for filing fees.

7.4. The arbitration will be governed by the Consumer Arbitration Rules (the "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. The AAA Rules and Forms are available online at www.adr.org, or by writing to the Notice Address. The arbitrator is bound by the terms of this Agreement. All issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration agreement. Unless Titans of Mortgage and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your residence. The arbitrator's award shall be final and binding on all parties, except (1) for judicial review expressly permitted by law or (2) if the arbitrator's award includes an award of injunctive relief against a party, in which case that party shall have the right to seek judicial review of the injunctive relief in a court of competent jurisdiction that shall not be bound by the arbitrator's application or conclusions of law.

7.5. If your claim is for US$10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds US$10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision explaining the essential findings and conclusions on which the award is based. If the arbitrator issues you an award that is greater than the value of Titans of Mortgage's last written settlement offer made before an arbitrator was selected (or if Titans of Mortgage did not make a settlement offer before an arbitrator was selected), then Titans of Mortgage will pay you the amount of the award or US$5,000, whichever is greater. Except as expressly set forth herein, the payment of all filing, administration and arbitrator fees will be governed by the AAA Rules.

7.6. YOU AND TITANS OF MORTGAGE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Titans of Mortgage agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

8. Miscellaneous

8.1. Governing Law. These Terms of Use shall be governed by and construed in accordance with the laws of the state of California, U.S.A. without regard to conflict of laws provisions. These terms will not limit any consumer protection rights that you may be entitled to under the mandatory laws of your state of residence.

8.2. Unsolicited Materials. Titans of Mortgage does not accept unsolicited materials or ideas for Titans of Mortgage content, and is not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to Titans of Mortgage. Should you send any unsolicited materials or ideas, you do so with the understanding that no additional consideration of any sort will be provided to you, and you are waiving any claim against Titans of Mortgage and its affiliates regarding the use of such materials and ideas, even if material or an idea is used that is substantially similar to the material or idea you sent.

8.3. Feedback. Titans of Mortgage is free to use any comments, information, ideas, concepts, reviews, or techniques or any other material contained in any communication you may send to us ("Feedback"), including responses to questionnaires or through postings to the Titans of Mortgage service, including our websites and user interfaces, worldwide and in perpetuity without further compensation, acknowledgement or payment to you for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products and creating, modifying or improving the Titans of Mortgage service. In addition, you agree not to enforce any "moral rights" in and to the Feedback, to the extent permitted by applicable law.

8.4. Customer Support. To find more information about our service and its features, or if you need assistance with your account, please visit the Titans of Mortgage Help Center, which is accessible through the titansofmortgage.com website. In certain instances, Customer Service may best be able to assist you by using a remote access support tool through which we have full access to your computer. If you do not want us to have this access, you should not consent to support through the remote access tool, and we will assist you through other means. In the event of any conflict between these Terms of Use and information provided by Customer Service or other portions of our websites, these Terms of Use will control.

8.5. Survival. If any provision or provisions of these Terms of Use shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.

8.6. Changes to Terms of Use and Assignment. Titans of Mortgage may, from time to time, change these Terms of Use. Such revisions shall be effective immediately; provided however, for existing members, material revisions shall, unless otherwise stated, be effective one month following notice to you. We may assign our agreement with you to any affiliated company or to any entity that succeeds to all or substantially all of our business or assets related to the applicable Titans of Mortgage service.

8.7. Events beyond our reasonable control. The Titans of Mortgage service and/or some of the Titans of Mortgage content may not be available for streaming or downloading at any time as a result of events beyond our reasonable control, including, but not limited to: (i) power or server outages; (ii) acts or failures of any kind by third parties such as network providers (iii) war, riots, strikes, or social unrest; and/or (iv) any other events or factors beyond our reasonable control. While we will make reasonable efforts to notify you in advance, we will not be held liable should such events occur.

8.8. Electronic Communication. We will send you information relating to your account (e.g. payment authorizations, invoices, changes in password or Payment Method, confirmation messages, notices) in electronic form only. You agree that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.