Usage Restrictions

This site is owned and operated by WFG Lender Services (“WFG”) and contains material which is derived in whole or in part from material supplied by WFG and other sources, and is protected by international copyright and trademark laws. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material from this site including code and software without permission. You may download material from this site for your use only, provided you keep intact all copyright and other proprietary notices.


WFG takes reasonable measures to ensure the quality of the data and the other information made available on this web site. However, WFG does not guarantee, and assumes no responsibility for, the accuracy, timeliness, correctness, or completeness of information available through this web site. Any conclusions that users draw from the information presented here are their own and are not to be attributed to WFG. The views expressed in WFG’s working papers are strictly those of the authors. They do not necessarily represent the position of WFG. WFG has provided links and pointers to websites maintained by third parties. We provide these relevant links to information outside of WFG’s website as additional resources for our users. However, WFG does not endorse any views expressed or products or services offered by organizations that are linked from our website.

The materials in this site and the third-party sites are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, WFG disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. WFG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available, are free of viruses or other harmful components. WFG does not warrant or make any representations regarding the use or the results of the use of the materials in this site or in third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not WFG) assume the entire cost of all necessary maintenance, repair or correction.

Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall WFG, its subsidiaries or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, WFG materials. You specifically acknowledge and agree that WFGis not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any WFG material, or with any of WFG’s terms and conditions, your sole and exclusive remedy is to discontinue using the WFG Lender Services web site.

License to WFG

By posting messages, uploading files, inputting data, or engaging in any other form of communication through this service, you are granting WFG a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to: Use, copy, sublicense, adapt, transmit, publicly perform or display any such communication. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication. The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, servicemark or patent laws under any relevant jurisdiction.


This agreement is effective until terminated by WFG, at any time without notice. In the event of termination, you are no longer authorized to access the restrictions imposed on you with respect to material downloaded from the disclaimers and limitations of liabilities set forth in this agreement, shall survive.


Because your privacy is important to us, WFG operates by these principles: The WFG website (“Site”) is maintained by WFG Lender Services. We can be reached by e-mail at We explicitly ask when we need information that personally identifies you (“Personal Information”). For example, WFG asks you for your name and e-mail address if you wish to submit an account signup request, and we also may request that you provide Personal Information to order our products and services. We use your Personal Information to operate WFG, and we may occasionally inform you of new features, services, and products from WFG.

We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable the Site to relate your use of the Site to information that you have specifically and knowingly provided to the Site.

If at any time you believe a Site has not adhered to these principles, please notify us by email to and we will use all commercially reasonable efforts to promptly determine and correct the problem.

If you have questions about this policy, please e-mail us at


This agreement shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles or conflicts of law. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Using the WFG Logo

WFG does not permit the use of its name in advertising, as an endorsement for any product or service, or for any other commercial purpose. Reproduction of any information contained herein may be made without limitation as to number provided that it is not distributed for the purpose of private gain and is appropriately credited to WFG or its respective publications. Graphics, logos and content created by WFG are the property of WFG and may not be used without permission.