ACCEPTANCE OF TERMS
The present document is an agreement between HomeMortgageNinja, owner and operator of the content website, transactional platform or application, as the case may be, accessible notably at the URL address, and you, a user of our Sites (“User”).
Please read these Terms of Service carefully before accessing or using our Sites. By accessing or using any part of the Sites, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of these Terms, then you may not access the Sites or use any Services.
The Site and the Services are only available to Users who can legally conclude contracts, as provided by the applicable laws. By using or accessing the Site, you represent and guarantee that the usage of the Site is not prohibited to you, notably, because of your age.
MODIFICATION OF THE TERMS OF SERVICE
2.1. We might change these Terms from time to time. HomeMortgageNinja reserves the right, at its sole discretion, to update, modify or replace any part of the Terms of Service, from time to time.
2.2. Even if only a few people actually read online terms and conditions, it is your responsibility to check them. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our Sites. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Sites following the posting of any changes constitutes acceptance of those changes.
USE OF THE SITES
3.1. Our Sites are nice; here is a summary of their functionalities.
The Sites offer i) a website with content revolving around tips, motivation, and inspiration to help you reach your goals, and learn more about finance, and entrepreneurship ii) a transaction platform where you can buy inspiring products.
3.2. You can access and use our Sites, but only for personal purposes. During the term of these Terms, Home Mortgage Ninja gives you the non-exclusive, non-transferable, and limited right to use and access the Sites for licit and personal use, in conformity with the Terms of Service (“Authorized Purposes”).
Please ask for our prior approval for any other use of the Sites.
3.3. Obvious things you must not do in connection with our Sites. You may not engage in any of the following prohibited activities:
3.3.1. Using the Site for any other purposes than the Authorized Purposes;
3.3.2. Copying, distributing, or disclosing any part of the Sites on any medium, including, without limitation, by any “web scraping” tools or technique, automated or not;
3.3.3. Using any automated system, including, without limitation, a web crawler, or offline readers to access the Sites;
3.3.4. Transmitting, through the Sites, junk mail, letters that are part of a chain, or any other form of unsolicited spam mail;
3.3.5. Attempting to interfere with or compromise the system integrity or security, or decipher any transmissions to or from the servers running the Sites;
3.3.6. Taking any action that imposes, or may impose, at Home Mortgage Ninja’s sole discretion, an unreasonable or disproportionately large load on the Sites infrastructure
3.3.7. Collecting, extracting, or gathering information on the Sites that can be used to identify individuals (including usernames);
3.3.8. Impersonating an individual or making false representations with regard to your affiliation with an individual or an entity, committing fraud, or dissimulating or attempting to dissimulate your identity;
3.3.9. Harming the Sites’ proper functioning;
3.3.10. Accessing any content on the Sites through any technology or means other than those provided or authorized by the Sites; or
3.3.11. Circumventing the measures that Home Mortgage Ninja may implement to prevent or limit access to the Sites, including functionalities that prevent or limit usage or copy of the Sites, or that impose limits to the usage of the content of the Sites.
4.1. You may create an account for our Sites. Upon creation of an account, you accept to provide Home Mortgage Ninja with truthful and complete information about yourself and shall make the necessary modifications to ensure that the information given always remains accurate.
4.2. You are responsible for keeping your account safe so that no ill-intentioned person will use it against Home Mortgage Ninja. You are solely responsible for assuring that your password and username remain confidential.
You are also solely responsible for any activity arising from your account. You may also be held responsible for losses incurred by Home Mortgage Ninja or by a third party pursuant to the usage of your account, username, or password by another person. You accept to immediately notify Home Mortgage Ninja of any unauthorized activity arising out of your account or any other security breach.
4.3. Sadly, not everybody is well-intentioned, and we cannot guarantee we will not get hacked. Home Mortgage Ninja can not guarantee that unauthorized third parties will never circumvent the security measures of the Sites, or that they will not make unlawful use of personally identifiable information that you have provided to Home Mortgage Ninja and that is on the Site (“Personal Information”). You acknowledge that you are providing Home Mortgage Ninja with your Personal Information at your own risk.
4.4. We may close your account if it is inactive for a year. Home Mortgage Ninja reserves its right to delete any account that has been inactive for a minimal period of one (1) year, as well as any data linked to such an account. However, no data shall be deleted without prior notice to the account holder.
4.5. You may close your account at any time. You may interrupt or close your account on the Sites for any reason, at your sole discretion, and without notice, without responsibility towards Home Mortgage Ninja.
Third-party websites: not liable. The Sites may contain hyperlinks leading to external websites, which make you leave the Sites (the “External Sites”). You acknowledge and accept that Home Mortgage Ninja is not liable for the availability of these sites, nor for the accuracy of the content, products, or services available on these External Sites. The hyperlinks towards External Sites do not imply any approval or endorsement by Home Mortgage Ninja of these External Sites. You assume all risks relating to your use of these External Sites.
ERRORS, INACCURACIES, AND OMISSIONS
10.1. We are not perfect; we may make mistakes and correct them. Occasionally there may be information on our Sites or in the Service that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times, and availability.
We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel orders if any information in the Service or on the Sites is inaccurate at any time without prior notice (including after you have submitted your order).
10.2. We may make minor changes to the Sites. We undertake no obligation to update, amend or clarify information in the Service or on the Sites, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on the Sites should be taken to indicate that all information in the Service or on the Sites has been modified or updated.
DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
11.1. No warranty on the Service. We do not guarantee, represent or warrant that your use of our Service will be uninterrupted, timely, secure, or error-free.
11.2. No warranty regarding accuracy. We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.
11.3. In general, we do not warrant anything. You expressly agree that your use of, or inability to use, the Service is at your sole risk. The service and all products and services delivered to you through the Service are (except as expressly stated by us) provided ‘as is’ and ‘as available for your use, without any representation, warranties, or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
If you breach those terms, you have to deal with any consequences. You agree to indemnify, defend and hold harmless Home Mortgage Ninja and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference or your violation of any law or the rights of a third party.
BORING GENERAL STUFF
13.2. There is no other agreement regarding the Terms of Service than those Terms. These Terms of Services and the Policy constitute the entire agreement between you and Home Mortgage Ninja, govern your use of the Sites, and supersede any prior or contemporaneous agreement between you and Home Mortgage Ninja.
13.3. This license agreement has great headings, but they are only for your better understanding. The section headings contained in those Terms of Service are for reference purposes only and shall not affect in any way the meaning or interpretation of those Terms.
13.4. If any provision of this license agreement is unenforceable, everything else will remain in force. Should one or several of the provisions of those Terms or the Policy be declared invalid or inapplicable by a court of competent jurisdiction, this invalidity or inapplicability shall not affect the validity or the applicability of the other provisions of those Terms of Service or the Policy; those Terms of Service or the Policy shall be interpreted as if the invalid or inapplicable provision was never part of the Terms of Service or the Policy.
13.5. You may contact us. Questions about the Terms of Service should be sent to us at [email protected]