Homeaffordable Application Services - Terms and Privacy Policy

Your Use of This Web site and Services is Governed by These Terms and Conditions

Please take a few minutes to review these Terms and Conditions. Your use of this website and services constitutes your agreement that you are at least 18 years of age, and your agreement to follow these rules and to be bound by them. If you do not agree with any of these Terms and Conditions, do not use the website, products or services.

These Terms and Conditions May Change

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. If at any time you deem the modification to be unacceptable to you, termination of this agreement is your only recourse. Your use of this website following any such change constitutes your agreement to follow and be bound by the Terms and Conditions as changed. For this reason, we encourage you to review these Terms and Conditions whenever you use this website or the products.

Definitions

As used in this Agreement, the following definitions will apply: "Agreement" shall mean these Terms and Conditions (including any terms incorporated by hyperlink). "Client", "I", "you" or "your" shall mean the person or persons using, or subscribing to this website. "We", "us", "the company" or "our", shall mean this website and its owners and affiliates. "Site" shall mean a World Wide Web Site, and depending on the context, refers to the back office administration web site, the sponsor's web site, or the affiliate’s web site.

Notification

These Terms and Conditions serve as your purchase agreement and are notification of such.

Refund/Cancellation - Term of the Agreement

Upon submitting a request for Membership, a Member Login and Password are assigned to you and can be used to gain access to the resource center and the on-line software, You will automatically be billed according to the terms as outlaid on the offer page. Fees will be billed to the credit card used by you to complete the signup process. Access is granted for one year from the time of purchase. The period during which this Agreement will be in effect begins upon your payment and will end when terminated pursuant to this agreement. No refunds of any kind will be issued once you signed up.

The Company may terminate the Agreement immediately, without notice, if You breach any material term of the Agreement. You may terminate this Agreement if the Company breaches a material term of this agreement by (i) sending a written notification to the Company of the breach and (ii) the breach is not corrected within 10 (ten) days of written notification by the Company. Upon the termination of this Agreement, you must immediately cease use of our site and any other materials provided to you in connection with this Agreement, including but not limited to, any trademarks, trade dress and logos.

Assignment

You may not assign or transfer your rights or the license granted to you under this Agreement without our express, prior written consent. Any attempt to assign or transfer your rights or license shall immediately terminate this Agreement, shall be null and void and, notwithstanding anything to the contrary herein, you shall forfeit any amounts paid, without a right to a refund.

This website may assign its rights and interest in this Agreement or otherwise at any time and without notice to you or your consent.

Overdraft Fees

Furthermore, this website will in no way be held responsible for any overdraft fees that may be incurred as a result of the membership fees agreed to in these terms and conditions. You will be billed for any related overdraft fees that are incurred.

Chargebacks and Reversals

We handle all chargebacks and reversals as potential cases of fraudulent use of our services and/or theft of services. In cases where we have provided a service and we have verified that a client has login access to the product, service and/or received access to our site(s), whether or not they have used the site in any way, possible actions taken by the company may include disabling access to your account, filing a complaint with the Internet Crimes Bureau or local authorities, or reporting the incident to the appropriate authorities in your state to investigate theft of services. All cases of chargeback requests will be vigorously fought by the Company. Please be advised that all activity and IP address information is being monitored on the site. This information may be used in a civil and criminal case against a client if there is fraudulent use or theft of services. Initiation of a complaint or chargeback against us for products or services rendered constitutes a severe breach of this Agreement. A "complaint or chargeback" shall be defined as initiating any form of complaint or chargeback with your credit card issuer or bank. Upon receipt of a complaint or chargeback, or threat thereof, we will immediately deactivate all Services provided to the Customer, and immediately begin chargeback reversal (anti-fraud) procedures. In the event we lose the chargeback reversal procedures, we will immediately send to collections the full disputed amount in addition to an administrative fee of five hundred dollars ($500.00 USD). Please note that threats of a complaint or chargeback will be treated the same as an actual complaint or chargeback. In all cases, violation of this clause will result in cancellation of all services provided to the Customer, regardless of services disputed.

All of the Content you see and hear on the our website and affiliate’s website, including, for example, all of the page headers, images, illustrations, graphics, audio clips, video clips and text, are subject to trademark, service mark, trade dress, copyright and/or other intellectual property rights or licenses held by this website owners or, one of its affiliates or by third parties who have licensed their materials to this website owners.

The Content, and the site as a whole, is intended solely for personal, non-commercial use. You may download, print and store selected portions of the Content, provided you (1) only use these copies of the Content for your own personal, non-commercial use, (2) do not copy or post the Content on any network computer or broadcast the Content in any media, and (3) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any downloaded materials is transferred to you as a result of any such downloading, use or license. This website owners reserves complete title and full intellectual property rights in any Content you download from this website.

Except as noted above, you may not copy, download, reproduce, modify, publish, distribute, transmit, transfer or create derivative works from the Content without first obtaining OUR written permission.

Trademarks & Registered Trademarks

All logos and advertisements are or may be registered trademarks of their respective owners. No relationship of any kind, expressed or implied may exist between the Company and the owners of said trademarks.

No Implied License & Limitations

You acknowledge and agree that this Agreement in no way shall be construed to provide to you, or to the persons or entities who license or otherwise receive the Products or services provided by the website company owner’s Businesses, any express or implied license to use, copy or otherwise exploit the Products, software or any portion thereof other than as specifically set forth in this Agreement. In no event shall you grant any license or otherwise provide any Subdistributor or other third party the right to use the products, software, or any portion thereof, including in source code form. You may not (i) modify or otherwise create derivative works or (ii) translate, reverse engineer or reverse compile, disassemble, or otherwise attempt to determine the source code or program code of the products or services, or its components, nor may you reproduce all or any portion of the code or the “look and feel” of the website. You may not sell, rent, sublicense, assign, or otherwise transfer, or distribute, the services or this license without express written permission from the owners

We strive to develop innovative services to better serve our users. We recognize that privacy is important, so we design and operate our services with the protection of your privacy in mind. This Privacy Policy applies to all of the products, services and websites offered by us, subsidiaries and / or affiliated companies (collectively, " our services").

If you have any questions about this Policy, please feel free to contact us through our website or write to us at 10249 S. 51^st Street #260, Phoenix, AZ 85044 -USA.

Information we collect and how we use it:

In order to provide our full range of services, we may collect the following types of information:

Information you provide - When you sign up for an account, we ask you for personal information (such as your name, physical address or email address, a password and other personal details for your account), we also request credit card or other payment account information which we maintain in encrypted form on secure
Cookies - When you visit our website, we may send one or more cookies - a small file containing a string of characters - to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of the website’s features and services may not function properly if your cookies are disabled.
Log information - When you use our services, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
User communications - When you send email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.
Affiliated sites - We offer some of our services in connection with other web sites. Personal information that you provide to us may be sent to our affiliates in order to deliver their service. We process such information in accordance with this Policy.
Links - We may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve the quality of our customized content.
Other sites - This Privacy Policy applies to web sites and services that are owned and operated by us. We do not exercise control over the sites displayed as links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you.

We only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

Providing our products and services to users, including the display of customized content and advertising;
Auditing, research and analysis in order to maintain, protect and improve our services;
Ensuring the technical functioning of our network; and
Developing new services.

We processes personal information on our servers in the United States of America and in other countries. In some cases, we process personal information on a server outside your own country. By using our services, you consent to the transfer of your information among these facilities, including those located outside your country.

Choices for personal information

When you sign up for a particular service that requires registration, we ask you to provide personal information. If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, we will offer you an effective way to opt out of the use of personal information for those other purposes. We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent. You can decline to submit personal information to any of our services, in which case we may not be able to provide those services to you.

Information sharing

We provide contact lists to third party companies that we have employed to provide us with specialized services, including customer service, subscription fulfillment, research, statistical analysis, list cleansing, postal mailings, email deployment, telemarketing, and other information services. We only deal with third party companies whom we believe share our commitment to privacy and who will keep your information secure. From time to time our sponsors wish to contact our subscribers.

We may share personal information with other trusted advertisers, third party marketers, our affiliated entities for their online and/or offline marketing programs. As a result, you may receive information on additional products, services and offers that may be of interest to you. While we strongly encourage clients and partners to adopt responsible approaches to online marketing, we are not responsible for the information practices of clients or their partners. The collection, use, and disclosure of information by clients and partners are subject to their respective privacy policies, which may differ from our policy.

We may release account and any other personal information when we believe release is appropriate to respond to a subpoena or otherwise comply with the law; enforce or apply our Terms and Conditions and other agreements; or protect the rights, property, or our safety or others. This includes exchanging information with other companies and organizations for fraud protection.

Moreover, if you submit to our comments, photographs, videos, music, text or other content, it may be published online or offline (including on-air, on a CD or DVD, through wireless distribution, and transmission of soft copies, or any other media or format currently existing or hereafter developed), and we may publish your name, voice, likeness and other personal information in connection with publishing the content or a portion of the content, and we may use the content and any excerpt from the content in connection with advertising, marketing, publicity and promotional activities. Please also see "Submissions" in our Terms and Conditions, which governs any content you submit through the Web Sites. Please note that information submitted to the Web Site via a "contact us," "help" or other similar e-mail address or form will not necessarily receive a response.

Please contact us for any additional questions about the management or use of personal data.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

Accessing and updating personal information

We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary. We provide mechanisms for updating and correcting your personally identifying information for many of our services. For more information, please see the help pages for each service.

Minors

Persons under 18 years of age are not allowed to participate in services offered this website. No information should be submitted to, or posted at, any of our Web sites by visitors under 18 years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Enforcement

We regularly review website’s compliance with this Policy. Please feel free to direct any questions or concerns regarding this Policy or our treatment of personal information by contacting us through this web site or by writing to us at Affordable Options LLC, 10249 S. 51^st Street #260, Phoenix, AZ 85044. When we receive formal written complaints at this address, it is our policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between us and an individual.

Changes to this policy

Please note that this Privacy Policy may change from time to time. We expect most such changes will be minor. Regardless, we will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date. If you have any additional questions or concerns about this Policy, please feel free to contact us any time through this web site or at 10249 S. 51^st Street #260, Phoenix, AZ 85044

Registration; User Names and Passwords

You may be required to register with us in order to access certain areas of the Site. With respect to any such registration, we may refuse to grant you, and you may not use, a user name (or email address) that is already being used by someone else; that may be construed as impersonating another person; that belongs to another person; that violates the intellectual property or other rights of any person; that is offensive; or that we reject for any other reason in our sole discretion. You are responsible for maintaining the confidentiality of any password you may use to access the Site, and agree not to transfer your password or user name, or lend or otherwise transfer your use of or access to the Site, to any third party. You are fully responsible for all interaction with the Site that occurs in connection with your password or user name. You agree to immediately notify us of any unauthorized use of your password or user name or any other breach of security related to your account or the Site, and to ensure that you "log off"/exit from your account with the Site (if applicable) at the end of each session. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.

Submissions

We welcome your comments regarding this website. However, any comments, feedback, notes, messages, ideas, suggestions or other communications (collectively, "Comments") sent to us shall be and remain our exclusive property. Your submission of any such Comments shall constitute an assignment to us of all worldwide rights, titles and interests in all copyrights and other intellectual property rights in the Comments. We will be entitled to use, reproduce, disclose, publish and distribute any material you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any comments that you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code or original artwork.

Correction of Errors and Inaccuracies; Risk of Loss

The information on this website may contain typographical errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We apologize for any inconvenience this may cause you. Please see the Disclaimers below for additional information.

Disclaimers - General

This website is operated on an "as is," "as available" basis, without representations or warranties of any kind. To the full extent permitted by law we and their affiliates (collectively, the " our Businesses") disclaim any and all representations and warranties with respect to this site and its contents, whether express, implied, or statutory, including, but not limited to, warranties of title, merchantability and fitness for a particular purpose or use. Without limiting the foregoing, the our Businesses do not represent or warrant that the information on this website is accurate, complete, reliable, useful, timely or current or that this website will operate without interruption or error.

Our Businesses do not endorse nor make any warranties or representations about the options or other service or data you may access, download or use as a result of the use of the information contained on the website, or about an website you may access through this website. Links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.

Our Businesses make no representation that content provided on this website is applicable or appropriate for use.

While the our Businesses have used best efforts in preparing the information, there are no representations or warranties with respect to the accuracy or completeness of the contents. The publisher and our Businesses specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended. The advice and strategies contained herein may not be suitable for all circumstances. An attorney should be consulted where appropriate. The publisher and our Businesses shall not be liable for any loss of profit or any other damages, including but not limited to special, incidental, consequential or other damages. Materials available on and throughout this website are prepared as a public resource. The information provided is not intended to be, nor should it be, considered legal or tax advice. Readers are advised not to take, or refrain from taking, any action based upon materials within the website. Confidential information or materials should not be sent to any individual. In the case of foreclosure proceedings, readers are advised to consult a tax specialist or your personal certified public accountant to discuss the tax implications of whatever option is pursued whether it is a short sale, deed in lieu of foreclosure, or actual foreclosure. Depending on which choice is pursued, a borrower could experience both recognition of ordinary income from the cancellation of debt and capital gains. Please check with your tax specialist. At no time should a payment be missed intentionally. The loan modification industry is constantly changing. Theories and ideas are applicable to change and or rendered outdated at any point without notice.

WE DO NOT GUARANTEE A LOAN MODIFICATION.

Our Businesses assume no risk or responsibility for your use of any of the content provided on this website.

Limitation of Liability

Under no circumstances, shall the Our Businesses or any of their employees, directors, officers, agents, vendors or suppliers be liable for any direct or indirect losses or damages arising out of or in connection with the use of or inability to use this website.

This is a comprehensive limitation of liability that applies to all losses and damages of any kind (whether general, special, consequential, incidental, exemplary or otherwise, including, without limitation, loss of data, income or profits), whether in contract, negligence or other tortuous action, even if an authorized representative of any of Our Business has been advised of or should have known of the possibility of such damages.

If you are dissatisfied with this website or any content on the site, or with these terms and conditions, your sole and exclusive remedy is to discontinue using this website. You acknowledge, by your use of this website, that your use of the site is at your sole risk.

Applicable law may not allow the limitation of liability set forth above, so this limitation of liability may not apply to you. If any part of this limitation on liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Our Businesses under such circumstances for liabilities that otherwise would have been limited our maximum aggregate liability to you arising by reason of this transaction shall be the amount paid by you for the physical materials.

Indemnity

You agree to defend, indemnify and hold harmless us and our directors, officers, agents, and employees for any and all costs, fines, claims, damages, charges, or fees (including reasonable attorney's and expert witness' fees) arising by reason of your purchase or use of the web site, services or arising from: Any breach of the agreement. Any claims arising from the sale or license of goods or services promoted or made available through this program except where limited by law. Our indemnity rights shall not be limited or offset by any contributory negligence by us.

Electronic Records

I agree to the use of electronic records to evidence this agreement. I understand that I have the right to not consent to the use of electronic records by not transacting business with the company. In such event, this will be null and void. My consent applies only to this transaction. I hereby waive any objection I may have to the companies use of electronic records in court should it be necessary to enforce the terms of this agreement.

Consent to Binding Arbitration Before the American Arbitration Association

By execution of this Agreement you hereby consent and agree that any and all disputes that arise concerning this Agreement or any of the terms of this Agreement, or that concern any aspect of the relationship between Client and Company, shall be decided exclusively in binding arbitration conducted by the American Arbitration Association ('AAA'). Client and Company further consent and agree that Client may file their complaint with the AAA in their state, but that all AAA arbitration hearings shall be conducted in Phoenix, AZ, where Company is headquartered and located, before a single AAA arbitrator. The arbitrator shall be appointed in accordance with the Section R-13, Appointment from Panel, of AAA's Commercial Arbitration rules. Client and Company consent and agree that the AAA arbitrator shall exclusively apply Arizona law to the dispute, regardless of and without giving any consideration to choice of law principles. Client and Company further consent and agree that each party will bear his/her/it's own cost and attorneys' fees incurred in connection with the AAA arbitration proceedings, and agree that the AAA arbitrator shall have no power or discretion to make any award of costs or attorneys' fees. However, in the event that Client or Company files any court proceedings in violation of the contractually agreed upon arbitration requirement, the party who is required to appear in any court proceedings to defend against such proceeding shall be entitled to an immediate stay and dismissal of such court proceedings, and shall be entitled to an award of all reasonable attorneys' fees and costs incurred in connection with such court proceedings. The final decision of the arbitrator shall be furnished in writing and shall constitute a conclusive determination of the issue(s) in question, binding upon the Client and Company, and shall not be contested by either of them except as permitted by applicable law. Such decision may be used in a court of law only for the purpose of seeking enforcement of the arbitrators' award.

Waiver

No failure to enforce any provision, assert any right or insist on performance of any provision under this Agreement in any instance shall be deemed a waiver of the ability to enforce such provision, assert such right, or insist on the performance of such obligations in the future. Our failure to enforce your strict performance will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this Agreement.

Entire Agreement

This agreement constitutes the entire understanding with regard to your purchase and affiliation with the sponsor, and us and supersedes all prior representations, oral or written. If any provision, paragraph, or subparagraph of this agreement is adjudged by any court of law to be void or unenforceable, in whole or in part, the rest of the agreement shall remain in effect. The parties agree that in such event, the offending clause will be replaced with a provision or provisions having the same economic effect. This agreement shall be binding on, and shall inure to the benefit of, the parties to it and their respective heirs, legal representatives, successors and assigns. By ordering from our products or utilizing this website’s services, I hereby acknowledge that I have read the above terms and conditions, understand them, and agree to be legally bound by them.

Enforcement of Terms and Conditions

By accessing and using the this website, you agree that your access to and use of this website is subject to these terms and conditions, as well as all applicable laws, as governed and interpreted pursuant to the laws of the state of Arizona, United States of America.

Information or Complaints

If you have a question or complaint regarding the Site, please send an e-mail to information@HomeMadeAffordable.com You may also contact us by writing to Customer Care, 10249 S. 51^st Street #260, Phoenix, AZ 85044 or by calling us at 1-520-977-3853. Any such disputes shall be resolved by us at its sole discretion. All interpretations of Program Terms and Conditions shall be at our sole discretion.