In the context of this website or any material downloaded herefrom a Case Study means the examination of a certain lending product or marketing channels and how Padgett's legal services solutions may meet those channel challenges. Case Study as used herein does not relate in any way to the facts or law of any legal case or body of caselaw.  Due to the dynamic nature of the laws, regulations, rules and guidelines in general, and their interpretation, the proposed solutions referenced herein may change from time to time.  Padgett cannot predict, represent or guarantee how any information or opinion provided will impact any particular case or group of cases.  Rather, the information and opinions provided pursuant hereto are provided based on general information and for the limited purpose of providing descriptive scenarios for certain lending products and attendant legal services which may be provided by Padgett.  The facts and circumstances existing in any particular case(s) can modify or alter the possible solutions provided.  Further, Padgett can make no representation as to how any particular court or governing body might interpret any applicable law, rule, policy or guideline as each jurisdiction may differ from state to state, district to district, circuit to circuit, court to court or even judge to judge.  Similarly, Padgett advises that attorneys’ opinions and interpretations can differ.  Padgett endeavors to provide information which it believes to be truthful, reliable and relevant for the purposes of any Padgett Case Study; but Padgett does not make any representation or warranty as to the accuracy, completeness or applicability of any information so provided, and Padgett shall not have any liability to the end user resulting from the use of such information. Downloading this Case Study does not create an attorney client relationship nor constitute legal advice.