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Subscriber Agreement

SUBSCRIBER AGREEMENT

THIS AGREEMENT WAS LAST UPDATED ON DECEMBER 27, 2022.

PLEASE READ THE ENTIRE SUBSCRIBER AGREEMENT BELOW.

This Subscriber Agreement governs your use of all October Research publications including The Title Report, The Legal Description, Valuation Review, RESPA News and Dodd Frank Update newsletters and their associated websites, www.thetitlereport.com, www.thelegaldescription.com, www.valuationreview.com, www.respanews.com and www.doddfrankupdate.com.

1. Changes to Subscriber Agreement
We may change the terms of this Agreement at any time by notifying you of the change in writing or electronically. The changes also will appear in this document, which you can access at any time by going to www.thetitlereport.com, www.thelegaldescription.com, www.valuationreview.com, www.respanews.com and www.doddfrankupdate.com. You signify that you agree to be bound by such changes by using a Service after changes are made to this Agreement.

2. Privacy
Registration data and other information about you are subject to our Privacy Policy. October Research (“OR”), publisher of The Title Report, The Legal Description, Valuation Review, RESPA News and Dodd Frank Update newsletters and their associated websites, is committed to protecting your privacy while using our websites.

3. Fees and Payments
You can always find the current subscription fee for our Service on our web site. As part of a subscription, you agree to pay the subscription fees at the rates in effect when the charges were incurred. We will bill all charges automatically to your credit card, unless a prior Bill Me option has been implemented.

Subscription fees will be billed at the beginning of your subscription.

4. Renewals
Your subscription will not renew automatically. If at any time you wish to renew your current subscription you can contact our Customer Service department at 330-659-6101. Your subscription will automatically terminate at the end of your subscription period.

5. Limitations on Use
a. Only one individual may access the web site associated with the newsletter subscription using the established username and password; as a subscriber you are prohibited from sharing your username and password with others.

b. The content available through the Service is our property or the property of our licensors and is protected by copyright and other intellectual property laws. You may display or print the content available through the Services for your personal, non-commercial use only. You agree not to sell, publish, distribute, retransmit or otherwise provide access to the content received through either The Title Report, The Legal Description, Valuation Review, RESPA News and Dodd Frank Update newsletters or www.thetitlereport.com, www.thelegaldescription.com, www.valuationreview.com, www.respanews.com and www.doddfrankupdate.com to anyone, including your fellow employees. For an electronic, PDF subscription, you are permitted to print out one copy only for personal use.

c. Copyright violations will be prosecuted.
Any illegal copying or publication without the express written or verbal consent of the publisher is a violation of Federal copyright laws and may be subject to a maximum penalty of $100,000 per infraction. To obtain permission to redistribute material or to report a violation of Federal copyright laws, call us at 330-659-6101, or e-mail us.

d. You agree not to use the Service for any unlawful purpose. We reserve the right to terminate or restrict your access to a Service if, in our opinion, your use of the Service may violate any laws, infringe upon another person's rights or violate the terms of this Agreement. Also, we may refuse to grant you a user name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

6. Third Party Web Sites, Services and Software
This Web site may contain links to other sites that are not owned or controlled by October Research. These links are provided solely for our users’ convenience. Please be aware that we are not responsible for the privacy practices of such other web sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.

7. Disclaimers of warranties and limitations on liability
You agree that your access to, and use of, the service and the content available through the service is on an "as-is", "as available" basis and we specifically disclaim any representations or warranties, express or implied, including, without limitation, any representations or warranties of merchantability or fitness for a particular purpose. We do not give legal or investment advice or advocate the purchase or sale of any product or service. You should always seek the assistance of a professional for this advice.

8. Contact us
If you have any questions or comments regarding this Subscriber Agreement, please contact us at: 330-659-6101, 330-659-6102 (fax), via email, or via mail at 3046 Brecksville Road, Suite D, Richfield, Ohio, 44286. These are some of the qualities which we strive to put into practice daily and for which October Research and The Title Report are recognized wherever and whenever we do business.


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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