AGREEMENT BETWEEN YOU AND YESOMNI.COM

Welcome to YesOmni.com, a service of Omni Financial Corporation ® ("Omni"). Omni offers the use of this Web site (the "Site") to you conditioned on your acceptance without modification of the following Terms of Service ("Terms"). You can review the most current version of these Terms at any time at http://www.YesOmni.com/terms.htm.

Omni reserves the right to change these Terms at any time without notice. You are responsible for regularly reviewing these Terms. Your use and continued use of the Site constitutes your agreement to all these Terms, including any changes or modifications made by Omni as described above.

USE OF THIS SITE

You agree to not use this Site to:

1. use or attempt to use another's account, service or system without authorization, or create or use a false identity on or through the Site;
2. collect or store personal data about other users.
3. disrupt, interfere with, or otherwise abuse the Site or any services, system resources, accounts, servers or networks connected to or accessible through the Site;
4. attempt to obtain unauthorized access to the Site or any portion of it that is restricted from general access; or
5. intentionally or unintentionally violate any applicable local, state, national or international law.

COPYRIGHTS

All materials contained in this Site, including, without limitation, the Omni Loans logo, design, text, graphics, HTML, other files, and the selection and arrangement of those materials, are Copyright © 2001 - 2006 Omni Financial Corporation™ ALL RIGHTS RESERVED and are otherwise protected by U.S. copyright and international treaties.

OMNI TRADEMARKS

Among the trademarks and service marks owned by Omni are Omni Military Loans®, Omni Financial®, Omni Loans®, "We Love To Say Yes"® and the respective logos of each, and the "look and feel" of this site including color combinations, button shapes, layout, and all other graphical elements.

LINKS

You are granted a limited, nonexclusive right to create a hyperlink to this Site, on the condition that the link does not portray Omni or any of its products or services in a false, misleading, defamatory or otherwise derogatory way. You may not use a Omni logo or other proprietary graphic or trademark of Omni to link to this Site without Omni's express written permission. This limited right may be revoked at any time. Omni makes no claim or representation about, and accepts no responsibility for, the quality, content, nature or reliability of sites accessible by hyperlink from this Site. Because Omni has no control over those sites and resources, you acknowledge and agree that Omni is not responsible for the availability of those sites or resources and does not endorse, review, change or update those sites or resources. Omni is providing those links to you only as a convenience. Omni is not responsible or liable for any Content, advertising, products, or other materials on or available from those sites or resources. When leaving this Site, you should be aware that Omni's terms and policies no longer govern, and therefore you should review the applicable terms and policies of that site.

OMNI PRIVACY POLICY

Omni believes strongly in protecting user privacy. Please refer to our full Privacy Policy at http://www.YesOmni.com/privacy for more information about how Omni collects and uses data and certain other information about you.

OMNI AND CHILDREN

This Site is directed solely to adults and is not directed to children under the age of 13. Omni complies with the Children's Online Privacy Protection Act and does not permit registration by, and will not knowingly collect personally identifiable information from, anyone under 13.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

1. YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND. OMNI EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SYSTEM INTEGRATION, DATA ACCURACY OR QUIET ENJOYMENT.
2. OMNI MAY CHANGE THIS SITE AT ANY TIME AND WITHOUT PRIOR NOTICE. YOU SHOULD NOT RELY UPON ANY ADVICE OFFERED THROUGH THIS SITE FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS, BUT INSTEAD SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
3. OMNI MAKES NO WARRANTY THAT (i) THIS SITE WILL MEET YOUR REQUIREMENTS, OR (ii) THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
   LIMITATION OF LIABILITY
   IN NO EVENT WILL OMNI BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF OMNI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THIS SITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THIS SITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (iv) ANY OTHER MATTER RELATING TO THIS SITE BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN THOSE STATES, THE LIABILITY OF OMNI, AND ITS AGENTS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THIS SITE.

INDEMNIFICATION

You agree to indemnify, defend and hold Omni and its subsidiaries and affiliates, and their respective officers, directors, employees, agents, information providers, licensors or other partners, harmless from and against any claims, demands, liabilities, losses, costs and expenses (including attorneys' fees), arising out of or accruing from (a) any content you submit, post to or transmit through this Site; (b) your use of or connection to this Site; (c) any non-compliance by you with any of these Terms; (d) any misrepresentation made by you in connection with your use of this Site; or (e) your violation of any rights of another. Omni reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with Omni's defense of such claim.

MODIFICATIONS TO THIS SITE

Omni reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, this Site (or any part thereof) with or without notice. You agree that Omni shall not be liable to you or to any third party for any modification, suspension or discontinuance of this Site.

GENERAL INFORMATION

These Terms constitute the entire agreement between you and Omni and govern your use of this Site, superceding any prior agreements between you and Omni. The Terms and the relationship between you and Omni shall be governed by the laws of the State of New York without regard to its conflict of law provisions. You and Omni agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within the county of Westchester, New York. The failure of Omni to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and that the other provisions of these Terms will remain in full force and effect.

VIOLATIONS

Please report any violations of these Terms to customersupport@yesomni.com.