Ray Catena Maybach is committed to respecting the privacy of our clients, customers, and all website visitors. In order to provide you with the best possible service it may be necessary for to store information about you. However, we only collect information that you choose to provide us. This information includes but is not limited to your name, address, birth date, e-mail address, phone number, and sometimes, social security number.

If you choose to apply for a loan we may ask you to state financial information such as income history, amount and type of assets, liabilities, and marital status.

Sharing Information with Other Companies

In order to provide the products and services which you may desire or to provide you with information about the products and services that Ray Catena Maybach offers, we may share certain information about you with affiliate companies such as automobile manufacturers or finance companies. Ray Catena Maybach may share your information with certain service providers in order to make a lending decision. We may also share personal information with state and federal regulatory agencies as we are required to do by law.

Sharing Information with Third Parties

We do not rent or sell our client list or mailing list to third parties.

Ray Catena Maybach may share information with certain third parties in the conduct of its business and providing financial services, including: (a) in the course of providing any information, products or services which you may request, information may be provided to lenders, financial partners and third parties who work in conjunction with you or Ray Catena Maybach (b) any disclosure required by applicable law, regulatory agency, auditor; (c) information provided to reputable credit bureaus, information reporting agencies, financial institutions and merchants; and (iv) in conjunction with providing financial services on-line, we provide certain information to third party service providers. Third parties will be advised of the need to maintain the confidentiality of the information provided to them.

Removal from Ray Catena Maybach Solicitations

If you are not a Ray Catena Maybach customer and you are on our mailing list or if you do not want information about the products and services Ray Catena Maybach can provide, you may want to discontinue receiving mail, e-mail or other solicitations. We respect your wishes and will remove you from our lists. Please send your name, email address, mailing address and phone number to Ray Catena Maybach at: 910 U.S. Highway 1 Edison, NJ 08817. Please specify that you want to be removed from mail, e-mail or telephone solicitation.

In the event you are removed from our lists, we still need to communicate with customers on a regular basis to notify them of service issues, or other items that may affect their relationship with Ray Catena Maybach.

We would be happy to answer any other questions you may have. Just send us an e-mail.

Please contact us with any questions about our privacy policy at 1-888-857-5860.

PLEASE CAREFULLY REVIEW THESE TERMS OF USE BEFORE USING THIS SITE.

INTRODUCTION AND USER AGREEMENT

This Terms of Use Agreement (the "Agreement") sets forth the terms and conditions for your use of this web site (the "Site"). The Site is owned and operated by Ray Catena Maybach ("Ray Catena Maybach" or "We"). By using the Site, you agree to be bound by this Agreement. If you do not agree to be legally bound by this Agreement, you should exit this Site immediately.

We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any changed to this Agreement constitutes your agreement to be bound by any such changes. This Agreement was last updated on July, 2005. Ray Catena Maybach may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability.

RESTRICTIONS ON THE USE OF SITE CONTENT

This Site contains text, data, photos, images and product and other information (collectively, "Content") that is proprietary to Ray Catena Maybach or its Content providers. You acknowledge that this Content is protected by copyrights, trademarks, trade secrets, patents, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now and hereinafter developed. You also acknowledge that the Content is and shall remain the property of Ray Catena Maybach or its Content providers (each a "Contributor") who have been involved in the preparation or publication of the Content. You may not modify, transmit, participate in the sale or transfer of, or create derivative works based on any Content, in whole or in part. Subject to your full compliance with this Agreement, You may print copies of the Content, provided that these copies are made only for personal, non-commercial use and that you maintain any notices contained in the Content, or maintained by the Contributor, such as all copyright notices, trademark legends, or other proprietary rights notices. You shall not store electronically any significant portion of any Content. Ray Catena Maybach authorizes you to view and use the Content on this Site solely for your personal, noncommercial use. The use of the Content on any other Site, including by linking or framing, or in any networked computer environment for any purpose is prohibited without Ray Catena Maybach's prior written approval.

TRADEMARKS

Ray Catena Maybach (including the Ray Catena Maybach logo), are trademarks or service marks of Ray Catena Maybach. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by Ray Catena Maybach or others. Nothing on this Site should be construed as granting, by implication, or otherwise, any license or right to use any of the Ray Catena Maybach Trademarks displayed on this Site. We prohibit use of any of the Ray Catena Maybach Trademark as part of a link to or from any site unless establishment of such a link is approved in advance by us in writing.

COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent, in accordance with Title 17, United States Code, Section 512(c)(2) (under the "Digital Millennium Copyright Act") to Ray Catena Maybach's designated agent. Notification should include:

an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; a description of the copyrighted work that you claim has been infringed; a description of where the material you claim is infringing is located on the Site; a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or duly authorized to act on the copyright owner's behalf.

DISCLAIMER OF WARRANTIES

NONE OF Ray Catena Maybach, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AGENTS OR INDEPENDENT CONTRACTORS (COLLECTIVELY THE "Ray Catena Maybach PARTIES") GUARANTEES THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY OF THE CONTENT. THIS SITE AND ALL OF THE CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT. THE Ray Catena Maybach PARTIES DO NOT WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL THE Ray Catena Maybach PARTIES BE LIABLE FOR ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION ARISING OUT OF OR RELATING IN ANY WAY TO YOUR USE, OR INABILITY TO USE, THE CONTENT, THE SITE OR ANY THIRD PARTY SITE TO WHICH THIS SITE IS LINKED. Ray Catena Maybach IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT THE Ray Catena Maybach PARTIES' TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

INDEMNIFICATION

You agree to indemnify and hold harmless the Ray Catena Maybach Parties from and against any and all claims, losses, expenses, or demands or liabilities, including attorneys' fees and costs, incurred by the Ray Catena Maybach Parties in connection with any claim by a third party (including any intellectual property claim) arising out of (i) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate as reasonably required in the defense of any such claims. The Ray Catena Maybach Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Ray Catena Maybach.

LINKS TO THIRD PARTY SITES

This Site may contain links to web sites controlled, owned, and operated by third parties (the "Third Party Sites"). Ray Catena Maybach cannot control and has no responsibility for the accuracy or availability of information provided on the Third Party Sites. You acknowledge that use of any Third Party Sites is governed by the terms of use for those websites, and not by this Agreement. Links to Third Party Sites do not constitute an endorsement by Ray Catena Maybach of such sites or the content, products, advertising or other materials presented on such sites, but are for your convenience and you access them at your own risk. WE ARE NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD PARTY WEB SITES, NOR DO WE MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD PARTY WEB SITES, AND Ray Catena Maybach SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.

DEALINGS WITH ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, advertisers or other third parties found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and such advertiser. You agree that we are not responsible nor shall we be liable for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertiser on the Site.

USE OF PERSONALLY IDENTIFIABLE INFORMATION

Ray Catena Maybach's practices and policies with respect to the collection and use of personally identifiable information is governed according to Ray Catena Maybach's Privacy Policy.

USER CONDUCT

You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or Site that would constitute an illegal offense, give rise to liability or otherwise violate any applicable local, state, national or international law or regulation.

USER MUST COMPLY WITH APPLICABLE LAWS

This Site is based in New Jersey, United States. Ray Catena Maybach makes no claims concerning whether the Content may be downloaded or are appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

COMPLIANCE WITH EXPORT LAWS

The United States controls the export of products and information. You expressly agree to comply with such restrictions and not to export or re-export any of the Content to countries or persons prohibited under the export control laws. By downloading the Content, you are expressly agreeing that you are not in a country where such export is prohibited or are a person or entity for which such export is prohibited. You are solely responsible for compliance with the laws of your specific jurisdiction regarding the import, export, or re-export of the Content.

GENERAL PROVISIONS

Failure by Ray Catena Maybach to enforce any provision(s) of this Agreement shall not be as a waiver thereof. This Agreement and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws rules. All claims and disputes arising out of this Agreement or your use of the Site, other than actions for specific performance or injunctive relief brought by Ray Catena Maybach, shall be exclusively brought in the federal, state, or local courts located in New Jersey, and, with regard to such claims and disputes, you hereby irrevocably (i) submit to the exercise of personal jurisdiction over you by those courts and (ii) waive any jurisdictional, venue, or inconvenient forum objections to such courts. Any cause of action you may have with respect to the Content, Site or this Agreement must be commenced within one (1) year after the claim or cause of action arose, or be barred. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect. You many not assign this Agreement, by operation of law or otherwise, without Ray Catena Maybach's prior written consent. Subject to that restriction, this Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved.

CONTACT US

If you have questions regarding the Agreement or the practices of Ray Catena Maybach, please contact us by e-mail at cpivano@raycatena.com or by regular mail at Ray Catena Maybach, 910 U.S. Highway 1, Edison, New Jersey 08817.

Any visitor to Ray Catena Maybach Web pages may download, copy or transmit, any portion of the material in the web pages of Ray Catena Maybach, for informational and noncommercial personal purposes only. Each copy of these materials must retain all copyright and other propriety notices contained therein. The Ray Catena Maybach name and logo are registered trademarks. These trademarks may not be modified, and they may not be used, downloaded, copied or distributed in any way except as an integral part of an authorized download, copy or transmission of material in these Web pages. No other use, copying or transmission of the trademarks or copyrighted material may be made without the express prior written consent of Ray Catena Maybach.

The information in the Web pages is intended for Ray Catena Maybach visitors, and is provided "AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANT ABILITY, FITNESS FOR PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. In no event shall Ray Catena Maybach be liable to any person for any special, indirect or consequential damages relating to this material.

Ray Catena Maybach appreciates and welcomes your ideas and suggestions. Any material received by Ray Catena Maybach, shall be considered non-confidential, and shall have no obligation of any kind with respect thereto. Ray Catena Maybach shall be free to modify, re-produce, disclose and distribute any or all of the material to others without limitation, and use it for any purpose whatsoever.

Ray Catena Maybach reserves the right to make changes at any time, without notice, and is not responsible for typographical errors.

Further information can be obtained from by emailing Ray Catena Maybach at cpivano@raycatena.com.