General Use Restrictions
FirstTimeHomeFinancing.com provides content and directory services through this Site. Certain information, documents, products, tools and services provided on and through this Site, including content, logos, graphics and images that are not Submissions (as defined below) are provided to you by FirstTimeHomeFinancing.com and are the copyrighted and/or trademarked work of FirstTimeHomeFinancing.com or FirstTimeHomeFinancing.com's contributors or providers.
FirstTimeHomeFinancing.com grants you a limited, personal, non-exclusive and non-transferable license to (i) use and to display and to make one copy of the Materials (other than the widgets available on this Site) and to use the services and this Site solely for your personal use and (ii) use, reproduce, distribute, publicly perform and publicly display the widgets available on this Site on your website. Except for the licenses set forth in the preceding sentence above, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Materials in any manner.
This limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination of these limited licenses, you agree to immediately destroy any downloaded or printed Materials. Except as stated herein, you acknowledge that you have no right, title or interest in or to this Site or any Materials.
Password Restricted Areas of this Site.
You may need a password to login to this Site and to use certain functions and areas within this Site. You are responsible for maintaining the confidentiality of your password and account, and agree to notify FirstTimeHomeFinancing.com if your password is lost, stolen, or disclosed to an unauthorized third party, or otherwise may have been compromised. You are responsible for all activities that occur under your account. You agree to immediately notify FirstTimeHomeFinancing.com of any unauthorized use of your account or any other breach of security in relation to this Site known to you.
Third Party Content.
Certain information and other content that are not Submissions may be provided by third party licensors and suppliers to FirstTimeHomeFinancing.com ("Third Party Content"). The Third Party Content is, in each case, the copyrighted and/or trademarked work of the creator/licensor. You agree to only display the Third Party Content on your personal computer solely for your personal use. You acknowledge and agree that you have no right to download, cache, reproduce, modify, display (except as set forth in this paragraph), edit, alter or enhance any of the Third Party Content in any manner unless you have permission from the owner of the Third Party Content. FirstTimeHomeFinancing.com DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES AND CONDITIONS WITH REGARD TO THIRD PARTY CONTENT, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Links to Third Party Sites.
This Site may be linked to other sites that are not FirstTimeHomeFinancing.com sites. FirstTimeHomeFinancing.com is providing these links to you only as a convenience, and FirstTimeHomeFinancing.com is not responsible for such linked sites, including, without limitation, the content or links displayed on such sites.
You further agree that you will not upload, post or otherwise make available on this Site any material protected by copyright, trademark, or any other proprietary right without the express permission of the owner of such copyright, trademark or other proprietary right owned by a third party, and the burden of determining whether any material is protected by any such right is on you. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights, or any other harm resulting from any Submission that you make.
You represent and warrant that: (i) you own all Submissions posted by you on or through this Site or otherwise have the right to grant the ownership to FirstTimeHomeFinancing.com set forth in this section, and (ii) the posting of your Submissions on or through this Site does not violate the privacy rights, publicity rights, trademark rights, copyrights, contract rights or any other rights of any person or entity. You agree to pay for all royalties, fees, damages and any other monies owing any person by reason of any Submissions posted by you to or through this Site.
When submitting Submissions to or otherwise using this Site and/or the Materials available on or through this Site, you agree not to, without limitation:
This list of prohibitions provides examples and is not complete or exclusive. FirstTimeHomeFinancing.com reserves the right to (a) terminate your access to your account, your ability to post to this Site (or the services), (b) refuse, delete or remove any Submissions; with or without cause and with or without notice, for any reason or no reason, or for any action that FirstTimeHomeFinancing.com determines is inappropriate or disruptive to this Site or to any other user of this Site and/or services, and (c) terminate or revoke your license to use the widgets at any time for any reason or for no reason. FirstTimeHomeFinancing.com may report to law enforcement authorities any actions that may be illegal, and any reports it receives of such conduct. When legally required or at FirstTimeHomeFinancing.com's discretion, FirstTimeHomeFinancing.com will cooperate with law enforcement agencies in any investigation of alleged illegal activity on this Site or on the Internet. On termination or revocation of your license to use the widgets, you shall remove the widgets from your website.
These prohibitions do not require FirstTimeHomeFinancing.com to monitor, police or remove any Submissions or other information submitted by you or any other user. Please note that there are commercially available services and software to limit access to material that you may find objectionable.
Submissions and unauthorized use of any Materials or Third Party Content contained on this Site may violate certain laws and regulations. You agree to indemnify and hold FirstTimeHomeFinancing.com and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all costs, damages, liabilities, and expenses (including attorneys' fees and costs of defense) FirstTimeHomeFinancing.com or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of this Site or the use of this Site by any person using your user name and/or password (including without limitation, your participation in the posting areas or, your Submissions) violates any applicable law or regulation, or the copyrights, trademark rights or other rights of any third party.
Unless otherwise specified in these Terms, all information and screens appearing on this Site, including documents, services, site design, text, graphics, logos, images and icons, as well as the arrangement thereof, are the sole property of FirstTimeHomeFinancing.com. All rights not expressly granted herein are reserved. Except as otherwise required or limited by applicable law, any reproduction, distribution, modification, retransmission, or publication of any copyrighted or registered material or intellectual property is strictly prohibited without the express written consent of the owner or licensee of same. If you use the materials in a way that is not clearly allowed by the terms of these Terms, you are violating your contract with us and may be violating copyright, trademark, and other laws. In this case, we automatically revoke your permission to use the materials and you must immediately destroy any copies you have made.
FirstTimeHomeFinancing.com Registered Service Mark.
The "FirstTimeHomeFinancing.com" logo, service-name and product-name is the registered service mark of FirstTimeHomeFinancing.com Directory and Information, LLC, or one of its affiliated companies (the "Service Mark") and our exclusive right to use and display the Service Mark is protected by United States and foreign trademark and other laws. Other trademarks, names and logos on this Site are the property of their respective owners. By visiting our Site you agree not to display or use the Service Mark in any manner without our express prior written permission. To request permission to use the Service Mark, please contact us through our contact form.
Copyright and Trademark Infringements.
FirstTimeHomeFinancing.com respects the intellectual property rights of others, and we ask you to do the same. FirstTimeHomeFinancing.com may, in appropriate circumstances and at our discretion, terminate service and/or access to this Site for users who infringe the intellectual property rights of others. If you believe that your work is the subject of copyright infringement and/or trademark infringement and appears on our Site, please provide FirstTimeHomeFinancing.com's designated agent the following information:
FirstTimeHomeFinancing.com's agent for notice of claims of copyright or trademark infringement on this Site can be reached as follows:
Please use our contact form.
Please also note that for copyright infringements under Section 512(f) of the Copyright Act, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.
Disclaimer of Warranties.
Your use of this Site and/or the services is at your own risk. Neither the Materials, Submissions nor the Third Party Content have been verified or authenticated in whole or in part by FirstTimeHomeFinancing.com, and they may include inaccuracies or typographical or other errors. FirstTimeHomeFinancing.com does not warrant the accuracy of timeliness of the Materials, Submissions or the Third Party Content contained on this Site. FirstTimeHomeFinancing.com has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content, whether provided by FirstTimeHomeFinancing.com or our licensors.
FirstTimeHomeFinancing.com, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" AND "WHERE-IS" BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. FirstTimeHomeFinancing.com DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.
Limitation of Liability.
FirstTimeHomeFinancing.com SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM (X) YOUR DISPLAYING, COPYING, OR DOWNLOADING ANY MATERIALS, THIRD PARTY CONTENT OR SUBMISSIONS TO OR FROM THIS SITE OR (Y) FROM ANY THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR UNLAWFUL USE OF YOUR PERSONAL INFORMATION, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION. IN NO EVENT SHALL FirstTimeHomeFinancing.com BE LIABLE TO YOU FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, EVEN IF FirstTimeHomeFinancing.com KNOWS THERE IS A POSSIBILITY OF SUCH DAMAGE.
Local Laws; Export Control.
FirstTimeHomeFinancing.com controls and operates this Site from its headquarters in the United States of America and the Materials, Submissions and/or Third Party Content may not be appropriate or available for use in other locations. If you use this Site outside the United States of America, you are responsible for following applicable local laws.
If you violate these Terms, FirstTimeHomeFinancing.com may terminate and/or suspend your access to this Site without notice. FirstTimeHomeFinancing.com prefers to advise you of your inappropriate behavior and to recommend any necessary corrective action. However, certain violations of these Terms, as determined by FirstTimeHomeFinancing.com, may result in immediate termination of Florida state law and U.S. federal law, without regard to the choice or conflicts of law provisions, will govern these Terms. Any disputes relating to these Terms or this Site will be heard in the courts located in the state of California. If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. FirstTimeHomeFinancing.com's failure to enforce any of these Terms is not a waiver of such term. These Terms are the entire agreement between you and FirstTimeHomeFinancing.com and supersede all prior or contemporaneous negotiations, discussions or agreements between you and FirstTimeHomeFinancing.com about this Site. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.
First Time Home Financing.com does not offer mortgages or direct financing. FirstTimeHomeFinancing.com is a website that offers information about house financing and does not guarantee 1st time home mortgage programs directly or indirectly through representatives or agents. FirstTimeHomeFinancing.com provides a news and information service by offering editorial content related to the housing and mortgage industry. This website has no official relationship with the Federal Housing Administration or the Department of Housing and Urban Development.
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