Please read these Terms and Conditions carefully before using this website. By using this website, you hereby agree to these Terms and Conditions and signify that you have read them fully. If you do not wish to abide by the Terms and Conditions for this website, please discontinue viewing, reading and/or using this website immediately. If you violate any of these Terms and Conditions, your permission to use this website automatically terminates. The Home Ownership Center of Greater Cincinnati("HOC") reserves the right to revise these Terms and Conditions at any time without notice, and by using this website subsequent to any revision of these Terms and Conditions, you agree to be bound by these changes.

The contents of this website, including all text, graphics, arrangement, design, format, appearance and other material (the "Material") is Copyrighted in 1999 by The Home Ownership Center of Greater Cincinnati, Inc. and protected under both United States and foreign laws. All rights are reserved. Unauthorized use of the Material, including reproduction, copying, transmission, distribution, preparation of derivative works, public performance and public display, is prohibited by the Copyright Act of 1976, 17 U.S.C. 101 et.seq. and other laws. Notwithstanding the foregoing, you, as a "viewer" or "user" of this website, are granted a nonexclusive, nontransferable, limited license to view, reproduce, print and distribute materials retrieved from this site provided that (a) such materials are used for personal, informational and/or non-commercial purposes only, and (b) you do not remove, alter, obscure or otherwise eliminate from hard-copy versions the applicable copyright and other notices.

All names, logos, indicia and trademarks appearing on this website, except as otherwise noted, including without limitation Home Ownership Center of Cincinnati and The Home Ownership Center of Greater Cincinnati, Inc. & design are trademarks of The Home Ownership Center of Greater Cincinnati, Inc. and may not be used without the express written permission of The Home Ownership Center of Greater Cincinnati, Inc. NeighborWorks, NeighborWorks Network, NeighborWorks & design, Neighborhood Housing Services of America, and Neighborhood Housing Services of America & design are all registered or common law trademarks of Neighborhood Reinvestment Corporation and may not be used without express written permission from Neighborhood Reinvestment Corporation. The Home Ownership Center of Greater Cincinnati, Inc. is a private, non-profit partnership affiliated with Neighborhood Reinvestment Corporation.

Various trademarks not owned by The Home Ownership Center of Greater Cincinnati, Inc. or its affiliates may appear on this website. All such trademarks, names, logos or indicia of ownership are the property of their respective owners, and are used fairly, in a non-commercial manner, and only to describe the goods and services of such entities in compliance with section 33(b)(4) of the Lanham Trademark Act, 15 U.S.C. 1115 (b)(4).

The Material on this website may contain inaccuracies and typographical or other errors. HOC makes no representations about the accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the website and/or the Material therein. Use of the website and any information contained therein is at your own risk. The Material and other content on this website may or may not be periodically updated or revised at any time. These Terms and Conditions of Use shall apply with equal force to any and all such updates or revisions.

HOC DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THIS WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS OR COMPUTER CODE THAT MAY BE TRANSFERRED TO YOUR COMPUTER WHEN DOWNLOADED. IF YOUR USE OF THE WEBSITE AND OF THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACEMENT OF EQUIPMENT OR DATA, HOC IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEBSITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. HOC, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED AND/OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. THE HOME OWNERSHIP CENTER OF GREATER CINCINNATI, INC. MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE MATERIAL, SERVICES, CONTENT, SOFTWARE TEXT, GRAPHICS AND LINKS.

YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT HOC IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH ANY OF HOC'S MATERIAL, OR WITH ANY OF THE CONTENT LOCATED ON THIS SITE, OR WITH ANY OF THESE TERMS AND CONDITIONS, YOUR SOLE REMEDY IS TO DISCONTINUE USING THIS WEBSITE.

HOC MAKES NO WARRANTY THAT THE USE OF MATERIAL OR CONTENT DISPLAYED ON THIS WEBSITE WILL NOT ALSO INFRINGE UPON THE RIGHTS OF THIRD PARTIES NEITHER OWNED BY NOR AFFILIATED WITH THE HOME OWNERSHIP CENTER OF GREATER CINCINNATI, INC.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL HOC, ITS OFFICERS, EMPLOYEES, CONTRACTORS, SUBCONTRACTORS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS OR ASSIGNS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES RESULTING FROM (i) THE USE OR INABILITY TO USE THE WEBSITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE WEBSITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, DATA, HARD-DRIVE OR SERVER; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTIES ON THE WEBSITE; OR ANY OTHER MATTER RELATING TO THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL OR EQUITABLE THEORY, AND WHETHER OR NOT THE HOME OWNERSHIP CENTER OF GREATER CINCINNATI, INC. IS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages and accordingly some of the foregoing may not apply to you.

Any communication which you post to the website is considered to be non-confidential and in the public domain. By posting communications to the website, you automatically grant HOC a royalty-free, perpetual, irrevocable, worldwide, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sublicensees.

As a user of this website, you are responsible for your own communications and are responsible for the consequences of their posting. You agree not to do any of the following: (i) post material that is copyrighted, unless you are the copyright owner or have the permission of the copyright owner to post it; (ii) post material that reveals trade secrets, unless you own them or have the permission of the owner; (iii) post material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others; (iv) post material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user or any other person or entity; (v) post a sexually explicit image; (vi) post advertisements or solicitations of business; (vii) post chain letters or pyramid schemes; (viii) impersonate another person; or (ix) post or transmit any information, software or other material which contains a virus or other harmful component.

HOC does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by other users or endorse any opinions expressed by you or any other users. You acknowledge that any reliance on material posted by other users will be at your own risk.

HOC does not screen communications in advance and is not responsible for screening or monitoring material posted by you or other users. If notified by a user of communications which allegedly do not conform to these Terms and Conditions, HOC may investigate the allegation and determine in good faith and its sole discretion whether to remove or request the removal of the communication. HOC has no liability or responsibility to users for performance or nonperformance of such activities. HOC reserves the right to expel users and prevent their further access to this website for violating these Terms and Conditions or the law and the right to remove communications which, in the sole discretion of HOC, are abusive, illegal, disruptive or create liability.

This website contains information, statistics, and other content independently provided by third parties. Specifically, mortgage calculation and home ownership loan information is provided by The Home Ownership Center. Population, demographic, and economic information for individual communities has been obtained from and based solely on the 1990 National Census and as such may be outdated or incorrect. The Material on this website is provided for informational, entertainment, and/or educational purposes only. HOC makes no representation or warranty regarding the accuracy, completeness, or applicability of any of this content obtained from third party sources, and does not endorse or in any way advocate the methods of calculation of any of this information by the respective independent third party sources. All such content is deemed reliable but is not guaranteed by HOC and should be independently verified. Many of the entities, groups, organizations, commissions, services and businesses referenced on this website have their own websites that contain their own Legal Notices and Disclaimers. In each case, and to the extent that both are consistent in their terms and conditions, those Legal Notices and Disclaimers are incorporated fully herein.

This website contains links to third party websites. These links are provided solely as a convenience to you and do not represent an endorsement by The Home Ownership Center of Greater Cincinnati, Inc. of either the contents on such third party websites or the owners/operators of such websites. HOC is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third party websites, you do so at your own risk.

In addition, some of these third party websites may allow you to purchase different types of products and services, or enter into contractual arrangements with the third party who owns the site or other parties. HOC is not responsible for and does not guarantee the quality, accuracy, timeliness, reliability or any other aspect of these products or services. HOC shall not be a party to any contract entered into by you, the user, and any third party as a result of contact with third party websites or any other contact, and thereby does not in any way guarantee the performance of any third party under any contract. You hereby release HOC and its affiliates from any damages that you incur, and agree not to assert any claims against HOC, arising from your use of these third party products or services, or the breach of any third party contract.

You may provide links to this website provided that: (i) you link only to the front page of this website, http://www.cincinnatihome.org; (ii) you do not remove, alter, obscure or in any way eliminate the copyright notice, or other notices on this website; and (iii) you discontinue providing a link to this website if instructed to do so by HOC or one of its representatives.

Images of people or places displayed on this site are either the property of, or used with permission or under license by HOC. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You agree to defend, indemnify, and hold harmless HOC, its officers, directors, employees, agents and affiliates, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, resulting from your use or misuse of the Material or your breach of these Terms and Conditions. HOC shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

HOC makes no claim that the Material or content found on this website is appropriate or may be legally viewed or downloaded outside of the United States. If you access this website from outside of the United States, you do so at your own risk and are responsible for compliance with the law of your jurisdiction. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to principles of conflicts of law. Any dispute arising hereunder shall be adjudicated in either the Hamilton County Court of Common Pleas or the United States District Court for the Southern District of Ohio. By using this website, you consent to such courts' exercise of personal jurisdiction over you. If any provision of these Terms and Conditions shall be determined to be unlawful, void, or for any reason unenforceable, then the applicable provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between you, the user of this website, and The Home Ownership Center of Greater Cincinnati, Inc. relating to the subject matter herein, and shall not be modified except in a writing signed by both parties. This agreement shall inure to the benefit of all successors and assigns of The Home Ownership Center of Greater Cincinnati, Inc.