Terms of Use

ACCEPTANCE OF TERMS askstem llc and modloanforfree.com welcome you to this blog and message board that was created for the purpose of helping you save money through modifying loans such as mortgages and credit card debt. We want you to share your experience with other members who may have a similar problem as you. Sharing Knowledge and experience will save us time money and help us avoid companies that prey on people and families dealing with financial issues.

DESCRIPTION OF SERVICES askstem llc and modloanforfree.com offers access to a collection of resources that may be updated from time to time. You understand and agree that the services provided may include communication from askstem llc such as service announcements, messages and that any communications are considered part of the membership. Your membership will be active until such time the services are no longer helpful to it members or till such time management believes the message board or blog is of little help in current economic conditions. These decision’s will be made by askstem llc along with the feedback from it’s members.

MEMBER CONDUCT you understand that all information posted are the sole responsibility of the person from whom such content originated. You understand that using askstem llc and modloanforfree.com membership, you may be exposed to content that is offensive, indecent or objectionable. Under no circumstances will askstem llc be liable in anyway for content, including, but not limited to, any errors or omissions.

CONTRRIBUTIONS TO ASKSTEM LLC askstem llc and loanmodforfree.com my provide people with free memberships for the sole purpose of helping members save money. These people or organizations may have experience or insights helpful in our goal of providing access to as many sources of information possible.

INDEMNITY you agree to indemnify and hold askstem llc and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorney’s fees , made by any third party.

MODIFICATIONS TO ASKTEM LLC AND MODLOANFORFREE.COM askstem llc reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently the membership, message board, blog or any part thereof with or without notice.

LINKS askstem llc and modloanforfree.com may provide links to other world wide web sites or resources. You acknowledge and agree that askstem llc and modloanforfree.com is not responsible for the availability of external sites or resources. You further acknowledge and agree that askstem llc shall not be responsible or liable directly or indirectly for any damages or loss caused or alleged to be caused by or in connection with use or reliance on any such content.

COPYRIGHT you agree and understand the ebook posted on modloanforfree.com by askstem llc has been copyrighted by askstem llc and it’s officers on april 10, 2009, with the U.S. Copyright office in Washington DC 20559-6000 and my not be published or copied for distribution without the written authorization of askstem llc and it’s officers.