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TERMS AND CONDITIONS OF THE USE OF THIS WEBSITE:
First-Time-Home-Buyer-s.com and its subsidiaries provide the information contained on this Site (the "Site") to our customers and visitors. First-Time-Home-Buyer-s.com requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification.

First-Time-Home-Buyer-s.com may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. For purposes of these Terms and Conditions references to First-Time-Home-Buyer-s.com include its affiliates, directors and employees. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE First-Time-Home-Buyer-s.com SITE.


Personal Use Only
This Site is made available only for your personal, non commercial use. This Site provides information based on our editorial content and information we have learned about credit repair. While First-Time-Home-Buyer-s.com believes such information and advice to be highly reliable, we make no claims or representations about the accuracy, reliability, timeliness, or completeness of such information or advice. All information and advice given on this Site is intended only to assist you with becoming educated with financial items. However, First-Time-Home-Buyer-s.com is not a certified financial planner and is not offering the services of a financial planner. Accordingly, First-Time-Home-Buyer-s.com recommends that you get different opinions and seek the advice of professional financial, legal, and tax advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Site. Any reliance by you on any information or advice will be at your own risk.

Resources Described On This Site
Participating advertisers may or may not pay us a referral fee when they receive a completed application or upon approval of a completed application and occasionally to have their offers presented on our site. The placement and prominence of a specific offer is subjectively determined by us based on several factors including; the terms, features and benefits, the popularity of the offer with our users, and/or compensation paid to us by the issuer or its affiliates.


Third Party Links and Third Party Products
First-Time-Home-Buyer-s.com is not a financial institution and is not affiliated with or responsible for the services or products advertised by third parties on this Site. We provide information and content to you only as a convenience. We do not provide, endorse, or guarantee the content, advertising, products, services or any other materials available on any third party websites or in areas of this Site for which they directly provide content. We do not control, author, edit, or monitor any web pages external to this site or have any responsibility for the accuracy or availability of information provided on them. First-Time-Home-Buyer-s.com does not make any representations or warranties, express or implied, regarding the content, products or services offered by third parties. The third party links and content accessible from our Site do not constitute or imply an endorsement, authorization, sponsorship or affiliation by First-Time-Home-Buyer-s.com with respect to any third party or any third party products or services. By using this Site, you acknowledge that you are responsible for viewing and abiding by the privacy statements, service agreements and terms of use of any linked web pages.


Governing Laws and Regulations
User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Maine law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.


No Guarantees
First-Time-Home-Buyer-s.com does not guarantee and makes no representations as to the accuracy, quality, validity or authenticity of any advertisement posted by any advertiser. All information is subject to change without notice. Nothing on this Site should be construed to be an advertisement for credit as defined by paragraphs 226.16 or 226.24 or a solicitation as defined in paragraph 226.5a of Regulation Z of the Truth in Lending Act.

Copyright and Trademark Policies
The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright 2002-2006 by First-Time-Home-Buyer-s.com. All rights reserved. This Site and its entire contents are for personal use only and may not be copied, reproduced, modified, published, uploaded, posted, transmitted or distributed in any way whatsover, without First-Time-Home-Buyer-s.com's prior written permission.

Ownership of Materials
Except as otherwise indicated, this Site and its entire contents including, but not limited to, the text, information, material, software and graphics contained on this Site (the "Materials"), are owned by First-Time-Home-Buyer--s.com and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. First-Time-Home-Buyer-s.com makes no proprietary claim to any third-party names, trademarks or service marks appearing on this Site, which are respective properties of each third party. Any third-party names, trademarks, and service marks are entirely the properties of their respective owners.

BBy posting a message or contributing in any way to this Site, including, but not limited to, sending comments and e-mail, to this Site, you expressly grant First-Time-Home-Buyer-s.com a perpetual, worldwide, non-exclusive, royalty-free right and license to use, reproduce, display, perform, adapt, modify, distribute in any manner whatsoever, have distributed and promote such content in any form, in all media now known or hereinafter created, anywhere in the world, and for any purpose.

First-Time-Home-Buyer-com reserves the right to change, update, discontinue, or restrict or prevent access to this Site or the Materials at any time without notice.

GGoverning law and Jurisdiction
UUser access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Maine, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of Maine or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States. By using this Site, you consent to the jurisdiction of the state and federal courts of Cumberland County, Maine, U.S.A. for any action or proceeding arising under or relating to these Terms of Use, this Site or the use of, or reliance on, this Site.


Disclaimer and Limitation of Liability
BY USING THIS SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL First-Time-Home-Buyer-.com BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED SITE, EVEN IF First-Time-Home-Buyer-s.com OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TThis Site is intended to assist readers by providing informational resources for buying a first home. First-Time-Home-Buyer-s.com is not responsible for any errors or omissions in the materials, content or information provided on this Site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this Site or in a hyperlinked site.

This Site may provide chat rooms, forums, bulletin boards and other means for the public to contribute information and make statements. First-Time-Home-Buyer-.com does not make any endorsements of any of these statements nor representations that the statements are true and accurate. First-Time-Home-Buyer-s.com reserves the right to edit statements made within these forums. We also reserve the right to limit or restrict access to any user at any time for any reason. You should be cautious when acting on information provided by contributors to these chat rooms. You should not rely solely upon the information and opinions of the chat rooms or bulletin boards.

TThis Site is directed at and made available only to persons who reside in countries where the products or services advertised by the financial service providers are permitted under applicable local law.

Miscellaneous
These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof. The section titles in this Agreement are for convenience only and have no legal or contractual effect. The failure of First-Time-Home-Buyer-s.com to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these terms remain valid and enforceable.

 



   
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