Your use of this Web Site is conditioned upon and constitutes acceptance of the terms and conditions contained herein, without modification. We may amend this Agreement from time to time by posting the amended terms on our site. This Agreement may not be otherwise amended except in a writing signed by you and us.

Who we are - is owned an operated by Estates On Line LLC. Our address and contact information can be found at the bottom of this page.

Scope - Services We Provide
This site is intended for use by private individuals and businesses and is made available on a non-exclusive basis for the purpose of providing information. Services provided by us are intended to inform. We are not mortgage brokers, nor do we solicit mortgage activities. Access to this site is provided to the general public. As such, we are not responsible if the site is used in a manner for which it was not intended.

Use of Information
Registered users can use the information provided to make better-informed financial decisions. While we intend to provide users with the ability to make better-informed financial decisions regarding their finances, we cannot guarantee that the user will attain the results provided by our projections. Results obtained by each user are dependent upon a great many factors in addition to the financial projections provided by the Mortgage Magic System. It is also incumbent upon any user to fully understand the principles involved in the calculations upon which the System is based. As in all matters of finance, users are encouraged to seek the advice of registered financial professionals, in addition to reliance on a single source of information.

Fees and Warrantee
Fees are listed on our FAQ page. We may change our fees from time to time. We may in our sole discretion change some or all of our prices and policies at any time. In the event we introduce a new service, the fees for that service are effective at the launch of the service. Unless otherwise stated, all fees are quoted in U.S. Dollars. Mortgage Magic is a financial planning system that provides the knowledge to attain significant savings of mortgage interest along with long term financial management. It is accompanied by a software support tool that was developed over time and at considerable expense. Purchase grants users non-exclusive transferrence and use of intellectual property. Estates On Line, LLC warrants that use of the system will provide users a method to lower interest costs. It is the responsibility of the user to understand and follow the system. Certain factors affecting results are outside of the scope of the system, such as when payments are credited to various accounts. We cannot be held responsible for such factors. IF YOU ARE UNWILLING TO FOLLOW THE SYSTEM, YOUR SOLE REMEDY SHALL BE TO CEASE USING THE WEB SITE AND SERVICES. is Only a Venue
Our site acts as the venue for providing information. We are not involved in any actual financial transaction resulting from the use of this website. As a result, we have no control over the quality, safety or legality of the services provided by any third party to users of this site.

Because we are not involved in the actual transaction arising from the use of this site, in the event that you have a dispute with any third party arising from your use of this site, you release, Estates On Line LLC (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

Please use caution, common sense, and practice due diligence when using our site. We believe the information provided is true and proper, and based on arithmatical formulas which can be relied up. However, we cannot guarantee the accuracy of the calculations. Also, we cannot control the accuracy of the information provided by the user, upon which the output information is based. You may find some information to be inaccurate. We endeavor to main truthfulness, trust, and security and will take all necessary steps to correct errors if they are known to us.

Personal Information
"Personal Information" is defined as any information you provide to us or other users in the registration or listing process, in any public message area or through any e-mail feature. You are solely responsible for Personal Information.We will never share your information without your consent. Where information is transmitted for the purpose of payment processing, we rely on commonly accepted means of encryption. With respect to your Personal Information: You agree to grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise the copyright and publicity rights (but no other rights) you have in your Personal Information, in any media now known or not currently known, with respect to your Personal Information and the content of your data.

You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, reverse engineer, decompile, disassemble, create derivative works, or publicly display any content (except for your Personal Information) from our website without the prior expressed written permission of Estates On Line, LLC or the appropriate third party.

If you breach this Agreement or the documents it incorporates by reference; if we are unable to verify or authenticate any information you provide to us; or if we believe that your actions may cause legal liability for you, our users or us, we will immediately (without limiting other remedies) issue a warning, temporarily suspend, indefinitely suspend or terminate your user privileges, and refuse to provide our services to you under your current user name, email address, and password, and all of your future user names, email addresses, and passwords.


General Liability Disclaimer
The information, software, products, and services provided on this web site have been provided for the convenience of our users and their clients, and have been tested for accuracy but may include inaccuracies or typographical errors. Estates On Line LLC may make improvements, updates and revisions to the information on this web site at any time. Estates On Line LLC, our affiliates, and/or associated companies make no representations about the suitability of the information, software, products, and services contained on this website for any purpose. All such information, software, products, and services are provided "as is" without warranty of any kind. Estates On Line LLC, our affiliates, and/or associated companies hereby disclaim all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-infringement. In no event shall Estates On Line LLC, our affiliates, and/or associated companies be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with the use of this web site or with the delay or inability to use this web site, or for any information, software, products, and services obtained through this web site, or otherwise arising out of the use of this web site, whether based on contract, tort, strict liability, or otherwise, even if Estates On Line LLC, our affiliates, and/or associated companies have been advised of the possibility of damages.

Liability Limit
In no event shall we be liable to any person or entity under any circumstances for any special, incidental, indirect or consequential damages, loss of profits or revenues or costs of replacement goods, including, without limitation, damages resulting from use of or reliance on our site, our services or this agreement, (however arising, including negligence), even if informed in advance of the possibility of such damages.

You agree to indemnify and hold, Estates On Line, LLC and our subsidiaries, affiliates, officers, directors, agents, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party.

Legal Compliance
You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of our service and your offering, listing, purchase, solicitation of offers to purchase, and sale of property.

No Agency
You and and wholly owned affiliates are independent contractors, and no agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by this Agreement.

Except as explicitly stated otherwise, any notices shall be given by postal mail to Estates On Line LLC. Attn: Legal Affairs, 1225 Franklin Ave., suite 325, Garden City, NY, 11530 (in the case of Estates On Line, LLC) or to the email address you provide to during the registration process (in your case). Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address provided to during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.

Any controversy or claim arising out of or relating to this Agreement or our services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Garden City, NY, USA, and judgment on the arbitration award may be entered into any court having jurisdiction thereof. Either you or Estates On Line, LLC may seek any interim or preliminary relief from a court of competent jurisdiction in Garden City, NY as necessary to protect the rights or property of you or Estates On Line, LLC pending the completion of arbitration.

Additional Terms
The following documents are incorporated into this User Agreement by reference: Privacy Policy. We may change our Privacy Policy from time to time and our changes are effective after we provide you with at least thirty (30) days' notice of the changes by posting the changes on the website and sending email to users.

This Agreement shall be governed in the United States by the laws of the State of New York, USA. We do not guarantee continuous, uninterrupted or secure access to our services, and operation of our site may be interfered with by numerous factors outside of our control. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.

The services are offered by Estates On Line LLC.,172 Melody Ct, Eastport, New York, USA 11941.

Thank you for using this site!