Welcome to the website of NEDCO (“Company,” “we,” “us,” or “our”). These Terms of Use, together with any documents they expressly incorporate by reference, govern your access to and use of NEDCO’s website (the “Website”), including any content, functionality, and services offered on or through the Website and any related applications, networks, communication channels, or other services provided by us (collectively, the “Services”).

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use, our Advertising Disclosures, found at [insert website address for Advertising Disclosures], and our Privacy Policy, found at [insert website address for Privacy Policy], supplemented by the Privacy Notice for California Residents, found at [insert website address for California Privacy Notice] (the “Privacy Policy”), incorporated herein by reference. All information we collect on this Website is subject to our Privacy Policy. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and they apply to all access to and use of the Website thereafter. It is our policy to post any changes we make to these Terms of Use on this page with a notice on the Website home page. If we make material changes to these Terms of Use, we will notify you through a notice on the Website home page. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.

Your continued use of the Website or any of our Services following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

I. SERVICES

NEDCO’s website provides users with access to information about loans and financial products offered by third-party service providers and advertisers. We do not act as a financial institution or provide financial advice. The information and advice provided through our Services are for informational purposes only. We do not make any coverage or credit decisions with service providers referred through our Services, and we do not validate their qualifications. We are not responsible for the policies or conduct of service providers.

II. ELIGIBILITY

Our website and Services are available to users who are at least 18 years old and reside in the United States or its territories. By using our website, you confirm that you meet these eligibility requirements. If you do not meet these requirements, you cannot use our website or Services.

III. ACCESSING THE WEBSITE AND ACCOUNT SECURITY

We reserve the right to withdraw or amend our website, and any service or material we provide on the website, at any time and without notice. We are not liable if any part of the website is unavailable for any period. Occasionally, we may restrict access to some parts of the website, or the entire website, to users.

To access certain services, you may need to provide contact information, such as your email, through our website. Any information you provide to us is governed by our Privacy Policy (nedcocdc.com/privacy), and you agree to all actions we take with respect to your information consistent with our Privacy Policy.

To receive information about financial services and products from third-party service providers, you may need to submit an information request that includes certain information about yourself, such as your email address, phone number, date of birth, social security number, bank account information, credit score, financial information, and homeowner status (“User Data”). You represent and warrant that all User Data you submit is true and accurate, and that you are authorized to share it with us. Any User Data submitted in an information request is governed by the privacy policies of the service provider or third party to whom you submit the information request. You authorize service providers and their affiliates to conduct all necessary research with your User Data to provide you with the information you request.

By providing us with contact information through the website or any of our services, you agree to receive communications from us, either directly or through a third party, including via email, calls, and text messages. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system. These calls may be for information and marketing purposes, including providing you with information about NEDCO’s services. Standard text message and minute charges applied by your cell phone carrier will apply. If you wish to opt-out of these communications, please either follow the unsubscribe options in the email itself or email NEDCO at [email protected]. You may update your contact information by contacting us at [email protected]. Additionally, by submitting information requests, you consent to be contacted by the relevant service providers via email or telephone. Any request to opt-out of such communications must be directed to the service provider.

IV. PERSONAL USE

NEDCO provides services for your personal and non-commercial use only. You may not use the Services for any other purpose, including copying, distributing, transmitting, selling, or reselling.

V. INTELLECTUAL PROPERTY RIGHTS

The nedcocdc.com website and its contents, features, and functionality, including all information, software, text, displays, images, video, and audio, are owned by NEDCO, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The NEDCO name, logo, and related names, logos, product and service names, designs, and slogans are trademarks of NEDCO or its affiliates or licensors. You may not use such marks without NEDCO’s prior written permission.

NEDCO grants you a personal, non-transferable, and non-exclusive right and license to use the website on a computer or other device and the licensed content; provided that you do not copy, reproduce, distribute, reverse engineer, or otherwise exploit any content, code, data, or materials on the website. You may not modify the website in any manner or form or use modified versions of the website for any purpose. Except as provided in this Section V, no right, title, or interest in or to the website or any licensed content is transferred to you. NEDCO, its licensors, and other providers retain all respective right, title, and interest in and to the website and the licensed content. Any use of the website or the licensed content not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

You may use the licensed content only in connection with the Services and only as expressly permitted, and you may not otherwise reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the licensed content.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the website in breach of these Terms of Use, your right to use the website will cease immediately and you must, at NEDCO’s option, return or destroy any copies of the materials you have made.

VI. USER CONTRIBUTIONS

The NEDCO website may contain Interactive Services that allow users to post User Contributions. All User Contributions must comply with the Content Standards set out in these Terms of Use. You are solely responsible for any User Contribution you post on the website, and we are not responsible or liable to any third party for the content or accuracy of any User Contributions.

Any User Contribution you post to the website will be considered non-confidential and non-proprietary. By providing any User Contribution on the website, you grant NEDCO and its affiliates and service providers the right to use, reproduce, modify, perform, display, distribute and disclose to third parties any such material for any purpose.

You represent and warrant that you own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers. All of your User Contributions must comply with these Terms of Use.

VII. PROHIBITED USES AND CONTENT STANDARDS

You may only use NEDCOCDC.com and its Services for lawful purposes, complying with the Terms of Use. You agree not to use the website or services:

• To violate any laws or regulations
• To exploit or harm minors
• To transmit or receive inappropriate material
• To send spam or other unsolicited messages
• To impersonate NEDCO or anyone else
• To restrict or inhibit others’ use or enjoyment of the website or services
• To post objectionable content or content that violates the legal rights of others
• To infringe on intellectual property or other rights of others
• To deceive others or promote illegal activity or lies

Additionally, you agree not to:

• Disable, damage, overburden or impair the Website or interfere with others’ use of the Website.
• Use any automated device, software or process to access the Website without our prior written consent.
• Use any manual process to copy any materials on the Website without our prior written consent.
• Use any device or software that interferes with the proper working of the Website or Services.
• Introduce any malicious or harmful material such as viruses or worms to the Website.
• Attempt to gain unauthorized access to any parts of the Website or disrupt any server or database connected to the Website.
• Attack the Website through denial-of-service attacks or other similar means.
• Otherwise attempt to interfere with the proper working of the Website or Services.

VIII. MONITORING AND ENFORCEMENT; TERMINATION

As the operator of the Website, we reserve the right to:

Reject or remove any User Contributions at our discretion and without providing any explanation or notice. Take any measures we deem necessary or appropriate regarding any User Contributions if we suspect that such content violates these Terms of Use or any applicable law, infringes any intellectual property or other right of any person or entity, poses a threat to the safety of the Website’s users or the general public, or could result in liability for us. Disclose your identity or other information related to you to any third party who alleges that your User Contribution violates their rights, including but not limited to their intellectual property rights or their right to privacy. Initiate legal proceedings, including referral to law enforcement, against any illegal or unauthorized use of the Website. Suspend or terminate your access to some or all of the Website, with or without cause, including for violating these Terms of Use. Furthermore, we reserve the right to fully cooperate with any law enforcement authorities or court order that requires or directs us to disclose the identity or other information of any individual who posts materials on or through the Website. You agree to waive and hold harmless the Company, its affiliates, licensors, and service providers from any claims arising from any action taken by us or any of the aforementioned parties as a result of investigations by such parties or law enforcement authorities.

We do not undertake to review material before it is posted on the Website and cannot guarantee immediate removal of objectionable content after it has been posted. Therefore, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We disclaim any responsibility for any performance or nonperformance of the activities described in Section VI and this Section VIII.

IX. DIGITAL MILLENNIUM COPYRIGHT ACT

We comply with the provisions of the Digital Millennium Copyright Act that apply to Internet service providers (17 U.S.C. §512, as amended). If you believe that any material posted on the Website infringes your intellectual property rights, you may contact our Designated Agent at the following address:

NEDCO LLC c/o Northeastern Economic Development Company | A 504 Loan Company
4000 4th Street Suite 3 Moosic, PA 18507 | Phone Number: 570.457.6726

To make a valid DMCA notification alleging that materials hosted by or distributed through the Services infringe intellectual property rights, you must provide our Designated Agent with the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other right being infringed;
• A description of the copyright-protected work or other intellectual property right that you claim has been infringed;
• A description of the material that you claim is infringing and where it is located on the Services;
• Your address, telephone number, and email address;
• A statement by you that you have a good faith belief that the use of the materials on the Services is not authorized by the copyright owner, its agent, or the law;
• A statement by you that the above information in your notice is accurate and that, under penalty of perjury, you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

Repeat Infringer. NedcoCDC.com will promptly, without notice, terminate the accounts, where applicable, or suspend access of users that we determine to be “Repeat Infringers.” A Repeat Infringer is a user who has been notified of infringing activity or has had User Contributions removed from the Website at least twice.

X. RELIANCE ON INFORMATION POSTED

As nedcocdc.com, we make the information presented on or through our Website and Services available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Our Website may include content provided by third parties, including materials provided by other users and third-party licensors, affiliates, aggregators and financial service providers. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of nedcocdc.com. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

XI. CHANGES TO THE WEBSITE We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

XII. LINKING TO THE WEBSITE AND SOCIAL MEDIA FEATURES NedcoCDC.com may provide tools through the Services that enable you to export information, including User Contributions, to third-party services, including through our implementation of buttons on third-party social media services (such as “like” or “share” buttons). By using one of these tools, you agree that we may transfer that information to the applicable third-party service. Third-party services are not under our control, and we are not responsible for any third-party service’s use of your exported information. The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

XII. LINKS FROM THE WEBSITE If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements and financial information, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

XIV. GEOGRAPHIC RESTRICTIONS We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. If you access the Website from outside the United States, you do so on your initiative and are responsible for compliance with local laws.

XV. DISCLAIMER OF WARRANTIES You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our Website for any reconstruction of any lost data. Use of the Services is at your own risk. The Services are provided on an “as is” and “as available” basis. NedcoCDC.com and its affiliates, suppliers and partners expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement.

NedcoCDC.com and its affiliates, suppliers and partners make no warranty that:

The Website or the Services will meet your requirements. The Website or the Services will be uninterrupted, timely, secure or error-free. There will be no errors in the Website or the Services or that NedcoCDC.com will fix any errors. Any materials downloaded or otherwise obtained through use of the Website or the Services are provided at your own discretion and risk, and NedcoCDC.com shall not be responsible for any damage caused to your computer or data or for any bugs, viruses, trojan horses or other destructive code resulting from use of the Website or the Services.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

XVI. LIMITATION ON LIABILITY IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SERVICE PROVIDERS AND OTHER THIRD PARTIES. IF, NOTWITHSTANDING THE FOREGOING DISCLAIMER, THE COMPANY IS DETERMINED TO BE LIABLE TO YOU, YOU AGREE THAT IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY EXCEED US$50.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. If you are a California resident, you hereby waive application of Section 1542 of the Civil Code of the State of California (or any similar statute or law of any other jurisdiction), which states “[A] general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

The foregoing paragraph does not affect any liability which cannot be excluded or limited under applicable law.

XVII. INDEMNIFICATION You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, the submission of your User Data, your User Contributions, or any use of the Services, the Website’s content, or any products obtained through the Website or Services.

XVIII. GOVERNING LAW AND JURISDICTION All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Delaware without giving effect to any choice or conflict of law provision or rule (whether of the State of Delaware or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Delaware, You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

XIX. LIMITATION ON TIME TO FILE CLAIMS ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

XX. CLASS ACTION WAIVER You hereby agree that any dispute or claim that you may have arising out of or relating to these Terms of Use or the Website shall be brought individually and you shall not join such claim with claims of any other person or entity or bring, join or participate in a class action against the Company.

XXI. WAIVER AND SEVERABILITY No waiver by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms of Use will continue in full force and effect.

XXII. ENTIRE AGREEMENT These Terms of Use, our Privacy Policy, and our Advertising Disclosure constitute the sole and entire agreement between you and Nedco CDC with respect to the Website and the Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website and the Services.

XXIII. CONTACT INFORMATION This Website is operated by Nedco CDC c/o NEDCO LLC c/o Northeastern Economic Development Company | A 504 Loan Company
4000 4th Street Suite 3 Moosic, PA 18507 | Phone Number: 570.457.6726. All feedback, comments, requests for technical support and other communications relating to the Website should be directed to: [email protected]

Thank you for visiting the Website.