Legal
Disclaimer / Licensing
We
hereby authorize you to view and print information on
this website subject to it being used for informational
and non-commercial purposes.
It is our intention that data provided on a subject is
of a general nature. Our website does not represent an
exhaustive treatment of subjects nor is the information
intended to constitute accounting, tax, legal, consulting
or other professional advice.
Prior to making any decision or taking any action we kindly
request you to contact your tax or legal advisors.
Please use this document and information at your own risk.
The content of this site is copyrighted and therefore
any unauthorized use of any materials on this website
may violate copyright, trademark, and other laws.
Materials on this website may not be modified, reproduced,
or publicly displayed, distributed or performed for any
public or commercial purposes prior to our approval.
Welcome
to FHA-Government-Home.com ("FHA-Government-Home.com"
or "Website"). Your use of this Website and
the content and services provided through or in connection
with this Website ("Service") is subject to
this Terms of Use Agreement ("Agreement"), as
well as our Privacy Policy. Each time you ("User")
use our Website, you agree to be bound by this Agreement
and the current FHA-Government-Home.com Privacy Policy.
If User does not agree to this Agreement and Privacy Policy,
User must immediately discontinue use of this Website.
The Services are provided by American Financing - 3151
S. Vaughn Way, Suite 500, Aurora, CO 80014.
FHA-Government-Home.com
allows Users to research real estate financing options.
Users fill out a short request for real estate financing
related information and gain access to computer software
designed to connect consumers with lenders and related
service providers, including participating providers of
home purchase loans, home equity loans, home refinance
loans, mortgage bankers and brokers ("Lenders").
FHA-Government-Home.com does not endorse, warrant, or
guarantee the products or services of any Lender. The
listing of Lenders on the Website, a User's ability to
"click-through" to another website from FHA-Government-Home.com's
Website, or the forwarding of User information to a participating
Lender, does not constitute a referral. FHA-Government-Home.com
is not a party to any transaction or agreement made by
User with a Lender. A User"s rights and obligations
will be governed by all the terms and conditions in any
agreements the User enters into with a Lender. User agrees
that FHA-Government-Home.com shall not be liable for
any damages or costs of any type which arise out of or
in connection with use of the Lender's service. The Lender,
and not FHA-Government-Home.com, is solely responsible
for loan products or services provided to User. User also
agrees that FHA-Government-Home.com is not liable for
any misrepresentations, errors, omissions, or inaccuracies
in the information provided by or to Lenders or any damage
resulting therefrom. FHA-Government-Home.com is not liable
for any actions made by Lenders in advertising or providing
any services or products.
FHA-Government-Home.com
is not a seller, lender or mortgage banker or broker and
does not make loans or obtain credit reports. FHA-Government-Home.com
does not make credit decisions in connection with loans,
and requirements for a particular loan product are made
by the Lender. FHA-Government-Home.com is not an agent
of the User or any Lender. FHA-Government-Home.com is
not acting as a User"s agent or broker and is not
recommending any particular loan product or Lender to
User.
Any
compensation FHA-Government-Home.com may receive is paid
by Lenders for the products and services rendered by FHA-Government-Home.com
to that particular Lender. FHA-Government-Home.com may
also receive compensation in connection with advertising
placed on a FHA-Government-Home.com Website or other
property. FHA-Government-Home.com does not charge Users
a fee to use the FHA-Government-Home.com Website.
By
submitting a request for loan products, services, or related
information, User is consenting to be contacted by one
or more Lenders either by telephone, email or mail based
on the information User provides, even if User has opted
into the National Do Not Call List administered by the
Federal Trade Commission, any state equivalent Do Not
Call List, or the Do Not Call List of any particular FHA-Government-Home.com
Lender. User understands and agrees that the Lenders may
maintain the information User submits to FHA-Government-Home.com
whether User elects to use their services or not. In the
event User no longer wants to receive communications from
a Lender, User agrees to notify the Lender directly. User
also gives FHA-Government-Home.com permission to send
User periodic updates of current loan or related products
which may be of interest to the User. You understand and
agree that if you submit a request for loan products or
services through the Service, FHA-Government-Home.com
will share your personal information (such as your full
name, address, telephone number) with Lenders, including
banks, correspondent lenders, mortgage bankers and brokers
to process and fulfill your request.
Nothing
contained herein shall constitute an offer or promise
for a loan, loan commitment or interest rate lock-in agreement
of any kind. Nothing on the Website constitutes an advertisement
for credit as defined by Paragraph 226.24 of Regulation
Z.
User
understands and agrees that if User requests a product
or service other than information regarding a loan product,
FHA-Government-Home.com will share User information with
certain business partners to process and fulfill User"s
request. User further agrees that such business partners
may contact User by telephone, email or mail based on
the information User submits. User understands and agrees
that the Lenders may maintain the information User submitted
to FHA-Government-Home.com whether User elects to use
their services or not. In the event User no longer wants
to receive communications from a business partner, User
agrees to notify the business partner directly. User also
gives FHA-Government-Home.com permission to send User
periodic updates concerning changes to the Website, Service
or special offers which may be of interest.
User
certifies to FHA-Government-Home.com that: (i) User is
at least eighteen (18) years of age and a resident of,
or located in, the United States; (ii) User assumes full
responsibility for the use of the Website by any minors;
(iii) User agrees that all information User has submitted
to FHA-Government-Home.com, online or otherwise, is accurate
and complete, and that User has not knowingly submitted
false information on or through the FHA-Government-Home.com
Website; and, (iv) User"s use of the Website is subject
to all applicable federal, state, and local laws and regulations.
USER
ASSUMES ALL RESPONSIBILITY FOR THE USE OF THIS WEBSITE.
THE CONTENTS ARE PROVIDED "AS IS," AND ARE WITHOUT
ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING,
BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE; FREEDOM FROM VIRUSES, BUGS,
ERRORS, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING
ROUTINES; AND NONINFRINGEMENT OF INTELLECTUAL PROPERTY
RIGHTS. FHA-Government-Home.com MAKES NO WARRANTEE REGARDING
THE ACCURACY OR RELIABILITY OF ANY INFORMATION OR SERVICES
OR THE PRODUCTS OR SERVICES OBTAINED THROUGH THE WEBSITE
OR ANY HYPERLINKED SITE.
FHA-Government-Home.com
IS NOT LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED
TO, PUNITIVE, INCIDENTAL, INDIRECT, SPECIAL, OR CONSEQUENTIAL
DAMAGES, TO THE GREATEST EXTENT ALLOWED BY APPLICABLE
LAWS, ARISING OUT OF THE USE OF OR INABILITY TO USE THIS
WEBSITE, THE CONTENTS, OR ANY HYPERLINKED SITE, EVEN IF
FHA-Government-Home.com HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES.
This
Website is only intended to provide data and information
that may be of interest to its Users. The Website's contents
are comprised solely of general information and are not
customized to a User"s personal situation.
User
agrees to indemnify, defend, and hold harmless, FHA-Government-Home.com
and its subsidiaries and affiliates, and their respective
agents, officers, directors, employees, and contractors,
from and against any and all loss, liability, claim, damage,
and other expenses (including reasonable attorneys' fees)
caused by or arising from User"s: (1) violation of
this Agreement; (2) access to or use of this Website or
Service; or (3) failure to provide accurate, truthful,
and complete, current personal information.
FHA-Government-Home.com
may permanently or temporarily terminate, suspend, or
otherwise refuse to permit User"s access to this
Website without notice and liability, if, in FHA-Government-Home.com's
sole determination, User violates any of the terms and
conditions, including the following prohibited actions;
(i) use the Service for any illegal purpose or to submit,
transmit or facilitate the distribution of information
or content that is unlawful, harmful, abusive, racially
or ethnically offensive, vulgar, obscene, sexually explicit,
defamatory, infringing, invasive of personal privacy or
publicity rights, harassing, libelous, threatening, or
in a reasonable person's view, objectionable; (ii) submit,
transmit, promote or distribute information or content
that is illegal; (iii) attempt to interfere with, compromise
the system integrity or security or decipher any transmissions
to or from the servers running the Service; (iv) take
any action that imposes, or may impose at our sole discretion
an unreasonable or disproportionately large load on our
infrastructure; (v) upload invalid data, viruses, worms,
or other software agents through the Service; (vi) use
any robot, spider, scraper or other automated access the
Service for any purpose without our express written permission;
(vii) impersonate another person or otherwise misrepresent
User"s affiliation with a person or entity, conduct
fraud, hide or attempt to hide User"s identity; (viii)
submit, upload, post, email, transmit or otherwise make
available any information or content that User does not
have a right to make available under any law or under
contractual or fiduciary relationships; (ix) interfere
with the proper working of the Service; or, (x) bypass
the measures we may use to prevent or restrict access
to the Service. Upon termination for any reason, User
continues to be bound by this Agreement.
Unless
otherwise indicated, all contents of this Website are
Copyright 2007. All rights reserved. FHA-Government-Home.com"
trademarks and service marks and other FHA-Government-Home.com
logos are trademarks or service marks of FHA-Government-Home.com
("FHA-Government-Home.com Marks"). All other
logos and brand names displayed on the Website are trademarks
or service marks of their respective owners. User shall
not reverse engineer, decompile, reverse assemble, analyze,
study or otherwise attempt to discover the input and output
protocols, the source code or any other features of the
software or data not readily accessible through conventional
use of a personal computer.
Other
than a personal, non-transferable and non-exclusive license
for User on behalf of personal yourself to use the Service
on a single computer, FHA-Government-Home.com grants
no license or other rights to its Service and the software,
data and intellectual property rights embodied in the
Service.
Any
hyperlinks contained in this Website belong to third-party
sites ("linked sites") and are provided by FHA-Government-Home.com
for User"s convenience only. FHA-Government-Home.com
does not control linked sites in any way. FHA-Government-Home.com
neither expressly nor implicitly (i) represents or warrants
the truth or accuracy of any information included in any
linked site or (ii) endorses or sponsors any linked site,
the content of any linked site, or any products sold or
services offered by any linked site. Your use of these
external websites is at your own risk.
This
Agreement and User"s use of this Website shall be
governed and construed according to the laws of the State
of California, without regard to choice of law principles.
Any civil action, dispute, or proceeding, arising out
of or relating to the Agreement and User"s use of
this Website, except for an injunctive action regarding
a breach or threatened breach of any provision of the
Agreement by User which shall be brought in a state court
in Alameda County, California, shall be referred to final
and binding arbitration before a single arbitrator under
the commercial arbitration rules of the American Arbitration
Association in Los Angeles County, California. User and
FHA-Government-Home.com shall jointly select the arbitrator.
If User and FHA-Government-Home.com are unable to find
a mutually satisfactory arbitrator within 30 days after
the notice of arbitration is given, then the American
Arbitration Association shall select the arbitrator. Arbitration
will commence only when the party requesting it has deposited
$1,000 with the arbitrator for the arbitrator's fees and
costs. Until the prevailing party is determined or the
parties have agreed in writing to an alternate allocation
of fees and costs, the party who requested arbitration
is responsible for paying all fees that the arbitrator
may periodically require. The arbitrator's final and binding
conclusion may be entered in any court of competent jurisdiction.
You
agree that any claim or cause of action arising out of
or related to the use of this Website or this Agreement
must be filed within one year after such claim or cause
of action arose, or it is forever barred and waived, regardless
of any statute or law to the contrary.
FHA-Government-Home.com
may update Services without notifying you. FHA-Government-Home.com
also may add Services, which may be governed by different
or additional terms of use. FHA-Government-Home.com reserves
the right to amend, modify, revise, and restate, at any
time, this Agreement, without notice. If you continue
to use the Service after the amended terms become effective,
you are deemed to have agreed to be bound by the amended
terms. If you do not agree to the amended terms, then
you agree not to use the Service. Your continued use of
the Service constitutes an affirmative agreement by you
to abide and be bound by the Agreement and its amended
terms.
If
for any reason any portion of the Agreement is held to
be invalid or unenforceable, that portion will be enforced
to the maximum extent permissible and the remainder of
the Agreement will remain in full force and effect.
The
Agreement sets forth the entire agreement between User
and FHA-Government-Home.com regarding the subject matter
of the Agreement, and supersedes any prior oral or written
statements or agreements with respect to the same.
