This web site, including any sub site accessible through the homepage, (the “Site”) is published and maintained by subsidiaries, affiliates and/or related entities of Home Downpayment Gift Foundation (HDGF). You can e-mail us at info@homedownpayment.org.

Please note that when you enter any sub site accessible through this homepage or the Forms page, such sub site may have its own terms and conditions of use, which is specific to such sub site. When you access, browse or use this Site you accept, without limitation or qualification, the terms and conditions set forth below and any additional terms and conditions of use set forth in any sub site.

Your Right to Use the Site and Its Contents
This Site is only for your personal use. You may not distribute, exchange, modify, sell or transmit anything you copy from this Site, including but not limited to any text, images, audio and video, for any business, commercial or public purpose. As long as you comply with the terms of these Terms and Conditions of Use, HDGF grants you a non-exclusive, non-transferable, limited right to enter, display and use this Site. You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

Ownership
All materials on this Site, including but not limited to audio, images, software, text and video clips (the “Content”), are protected by copyright under U.S. copyright law, international conventions, and other copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this Site limiting the way you may use the Content. There are a number of proprietary logos, service marks and trademarks found on this Site. By making them available on this Site, HDGF is not granting you any license to utilize those proprietary logos, service marks, or trademarks. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes.

You may download one (1) copy only of the Content to be used only by you for your personal use at home unless the sub site you are accessing states that you may not. If you download any Content from this Site, you may not remove any copyright or trademark notices or other notices that go with it.

Rules for Chatrooms, Bulletin Boards and Other User-Supplied Material
This Site may have an area, which allows you to “chat” or upload and download materials. When using any of these areas, you agree not to post, send, transmit, upload or otherwise publish through this Site, any materials that (1) interfere with anyone else’s use of the Site; (2) are abusive, illegal, indecent, obscene, offensive or threatening in any way; (3) encourage anyone to break the law; (4) violate anyone’s copyright or other property right; (5) interfere with the privacy of any other user; (6) contain a virus or any other harmful component; or (7) contain false or misleading statements of fact or descriptions of the origin of the material or the communication. You agree to comply with any additional terms, which are referred to on this Site, or any sub site within the Site.

Responsibility for User’s Material
You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening or unlawful material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law.

HDGF Rights to User’s Material
If you send any communications or materials to the Site by electronic mail or otherwise, including any comments, data, questions, suggestions or the like, all such communications are, and will be treated as, non-confidential and non-proprietary. Thus, you give up any claim that any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way HDGF uses such material.

Any material submitted to this Site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted or used by HDGF anywhere in the world, in any medium, forever. Furthermore, HDGF is free to use, without any compensation to you, any concepts, ideas, know-how or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information. However, you agree and understand that HDGF is not obligated to use any such ideas or materials and you have no rights to compel such use.

Transmitted Material
Internet transmissions are never completely private or secure. You understand that any message or information you send to this Site may be read or intercepted by others unless there is a special notice that a particular message (for example, credit card information) is encrypted (send in code). Sending a message to HDGF does not cause HDGF to have any special responsibility to you.

Links
This Site may contain links to other Internet sites on the World Wide Web. HDGF provides such links for your convenience only, and is not responsible for the content of any site linked to or from this Site. Links from this Site to any other site do not mean that HDGF approves of, endorses or recommends that site. HDGF disclaims all warranties, express or implied, as to the accuracy, legality, reliability or validity of any content on any other site.

Indemnification
You agree to indemnify, defend and hold HDGF and all of its agents, directors, employees, information providers, licensors and licensees, officers and parent, (collectively, “Indemnified Parties”) harmless from and against any and all liability and costs (including, without limitation, attorneys’ fees and costs), incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms and Conditions of Use or the foregoing representations, warranties and covenants.

Disclaimer of Warranties and Damages; Limitation of Liability
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE (INCLUDING ALL CONTENT AND FUNCTIONS MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE) IS PROVIDED “AS IS.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WITH REGARD TO THE CONTENT ON THIS SITE, HDGF MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (1) FOR THE ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF ANY CONTENT PUBLISHED ON OR AVAILABLE THROUGH THE SITE, (2) THAT THE SERVER THAT MAKES THIS SITE AVAILABLE IS FREE OF VIRUSES OR OTHER COMPONENTS THAT MAY INFECT, HARM OR CAUSE DAMAGE TO YOUR COMPUTER EQUIPMENT OR ANY OTHER PROPERTY WHEN YOU ACCESS, BROWSE, DOWNLOAD FROM OR OTHERWISE USE THE SITE.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO HDGF NEGLIGENCE, SHALL HDGF BE LIABLE FOR ANY CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE OR SPECIAL DAMAGES RELATED TO (A) THE USE OF, (B) THE INABILITY TO USE OR (C) ERRORS OR OMISSIONS IN THE CONTENTS AND FUNCTIONS OF THIS SITE, EVEN IF HDGF OR AN AUTHORIZED REPRESENTATIVE THEREOF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL HDGF’s TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE), EXCEED $100.00.

General Provisions
These Terms and Conditions of Use and any additional terms posted on this Site together constitute the entire agreement between HDGF and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must be commenced within (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms and Conditions of Use, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of these Terms and Conditions of Use shall continue in full force and effect. These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of New York, United States of America, without reference to its conflicts of law rules.

Online Privacy Policy

Your Privacy
At HDGF we believe that, as our online visitor, you have a right to know our practices regarding the information we collect when you visit our Web sites and what type of information is collected. The guidelines contained herein only apply to your visits to www.homedownpayment.com, the Web site operated by the Home Downpayment Gift Foundation.

Other sites which are linked to/from these sites may have different policies; therefore, please review the privacy policy notices on those sites for details.

While HDGF does not generally require that you provide us with personally identifiable information in order to visit and use the HDGF sites, please note that in order to participate in some activities, it will be necessary for you to provide this information. If you choose not to provide it for those activities, you may not be able to participate in them.

Collection of Information: Cookies; Personal
For each visitor to an HDGF Web site, HDGF’s Web server automatically recognizes and stores information such as the visitor’s IP address/Domain name combination. We use this information to understand visitor traffic patterns through our sites for purposes such as enhancing its usability. Your computer provides this information automatically each time you log on, unless you’ve activated blocking technology available in some browsers.

When you visit HDGF’s sites or advertisements appearing thereon, or use one or more of the HDGF Web site services, we may use an industry-wide technology called “cookies” which stores certain information on your computer and which will allow us to customize your experience to better match your interests and preferences or to simply facilitate your signing in to use the services. Most browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. However, if you block or erase cookies, we may not be able to restore any preferences or customization settings you previously specified and our ability to personalize your online experience would be limited. Please refer to your browser instructions or “help” screen to learn more about these functions.

Additionally, HDGF may ask you to provide “personal information”, meaning individually identifiable information that you provide on our Web sites such as your email address, name, mailing address, telephone number, social security number, credit card number, or persistent identifier (such as a customer number held in a cookie) which is associated with individually identifiable information, to enable you to participate in contests, chat rooms, on bulletin boards, to fill out a registration, or to order products and services using these sites. HDGF may combine the information you provide on our Web sites with other information we may collect from you or from third parties so that we can more effectively tailor our site, services and offerings to you. If you provide HDGF with personal information, you shall have the right, on reasonable prior notice, to inspect, change, amend or delete such information. Instructions on how to update personal information will be given at the point of data collection.

Unless you instruct us otherwise, HDGF may contact you to provide information about products, services, promotions, contests, or other activities or offerings that may be of interest to you.

Unless it is for the purposes you have requested or originally agreed, HDGF will not share the personal information you provide on the HDGF Web sites with any other parties, except (a) with your consent, (b) as may be permitted or required by law or court order and/or (c) to persons or companies with whom HDGF contracts to carry out the internal operations of the site or our business (for example, to send you a promotional item that you have requested on the site).

Security
While HDGF cannot guarantee that unauthorized access will never occur, rest assured that HDGF takes great care in maintaining the security of your personal information and in preventing unauthorized access to it through the use of appropriate technology and internal procedures.

Use and Disclosure of Anonymous Aggregated Information
HDGF may also collect, aggregate and maintain anonymous information about the visitors to our Web sites, such as visitors’ hobbies, interests, purchasing habits, music preferences, and the like. This data can then be used to tailor HDGF’s Web site content and advertising to deliver a better experience for our visitors. In addition, HDGF may also share such aggregate information about our visitors with advertisers, business partners, sponsors, and other third parties; for example, to inform them about the percentage of male/female visitors or percentage of visitors within a particular age range.

Consent to Processing
By providing any personal information to the HDGF Sites, all users, including without limitation users in the member states of the European Union, fully understand and unambiguously consent to the collection and processing of such information in the United States of America.

Policy Governs Use; Changes to Privacy Policy
The terms of this policy will govern the use and any information collected while it is in place. HDGF reserves the right to change this policy at any time, so please re-visit this page as often as you wish. Changes to this privacy policy are effective at the time they are posted to this site.