Finally Home! Homebuyer Education

Disclaimer

Finally Home!® Services Disclaimer-1/25/18

This is the Services Disclaimer for the Finally Home!® First-Time Homebuyer’s Guide to Homeownership which is owned and operated by Idaho Housing and Finance Association DBA Finally Home!®

Information collected during registration is for statistical and grant reporting purposes. The Finally Home!® program is offered by a HUD approved housing counseling agency. As such, we are required to collect and share demographic and some personally identifiable information for statistical and grant reporting purposes with the U.S. Dept. of Housing and Urban Development. For in-person Finally Home! classes, the information you provide will be shared with the hosting organization for registration and statistical reporting purposes. Hosting organizations may follow up with you. As part of this homebuyer education program and overall housing counseling services, Finally Home!, its agents, or representatives may also follow up with you.

Every effort is made to provide you with accurate and complete information. Finally Home! assumes no liability for the accuracy, completeness, or usefulness of any information, product, resource or process disclosed to you within the course either in-person or online or by its instructors, counselors, staff, or affiliates. Providers of information do not necessarily speak on behalf of Finally Home! and Finally Home! does not endorse any information such providers may present. Regardless of information provided to you through this course, its instructors or counselors, you are entitled to choose whatever lenders, lending products, homebuying team and home that best meet your needs.

Finally Home! course materials and website contain some content or access to content that is provided by third parties. These third parties are completely independent of Finally Home! Finally Home! does not review this material or content and is not responsible for it. Your use of any third party forms, links, worksheets, or resources is done so at your sole risk. All material and content provided is done so for informational purposes only and should not be construed or used otherwise.

Attendance and completion of the Finally Home! instruction program does not guarantee that you will receive any grant funds from any source.

Finally Home!® Terms of Use -1/25/18

This is the Terms of Use for the Finally Home!® First-Time Homebuyer’s Guide to Homeownership which is owned and operated by Idaho Housing and Finance Association DBA Finally Home!®

Welcome to Finally Home!® the Finally Home! website is available for your use when seeking information regarding homebuyer education. Please make sure you read these terms of use and the accompanying privacy policy. By accessing any area of this site, each user agrees to be legally bound and to abide by the following Terms of Use and accompanying Privacy Policy. Use of this site is voluntary and if you do not agree to the Terms of Use or Privacy Policy you are not permitted to use the site and you must leave this website immediately.

The Finally Home! Privacy Policy regulates how any personally identifiable information or non-personally identifiable information is used and/or disclosed. By accessing this site you are acknowledging and agreeing to Finally Home’s! Privacy Policy and all actions related to personal information.

Limitation of Liability, Disclaimer and Warranties:

Finally Home! IS PROVIDING THIS SITE AND ITS CONTENTS “AS IS” WITHOUT ANY OBLIGATIONS, LIABILITIES OR WARRANTIES, EXPRESSED OR IMPLIED, WHATSOEVER TO ANYONE WHO CHOOSES TO ACCESS THIS WEBSITE. EACH USER EXPRESSLY ACKNOWLEDGES THAT USE OF THIS WEBSITE AND ITS CONTENTS IS AT THE USER’S SOLE RISK. Finally Home! DOES NOT WARRANT THAT THIS WEBSITE OR ANY OF ITS CONTENTS WILL BE CONTINUOUSLY AVAILABLE, ACCESSIBLE, NON-INFRINGING, OR FREE OF ERRORS OR VIRUSES, OR THAT THE INFORMATION CONTAINED IN IT IS ACCURATE OR RELIABLE. (Finally Home!) WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY (INCLUDING INDIRECT, SPECIAL AND CONSEQUENTIAL DAMAGES) WHICH MAY RESULT FROM THE USE OR INABILITY TO USE ANY PART OF THE WEBSITE, OR FROM ANYTHING SUBMITTED OR POSTED BY USERS. THE TERMS OF THIS PARAGRAPH WILL SURVIVE ANY TERMINATION OF THIS NOTICE AND WEBSITE.

To the highest extent permitted by applicable law, Finally Home!, its affiliates, and any of their respective employees, directors, officers, or agents shall not be liable for punitive, consequential, incidental, exemplary, indirect, or special damages. This includes without limitation damages for lost profits, revenues, business use, data, or other intangibles, whether or not such damages were foreseeable and even if Finally Home! had been advised of the possibility or likelihood of such damages. To the maximum extent permitted by applicable law, Finally Home! shall not be liable to you for any damages arising from your use of the website or from any other user of the website, or from your reliance on any information provided on the website. Information contained on this website is for informational purposes only.

Links To and From Third Party Websites are Provided for Your Convenience Only:

Links to information on sites other than those operated by or on behalf of Finally Home! are for your convenience only and are not an endorsement or recommendation of those sites. Finally Home! does not control or provide any content or information at these sites, makes no representation or warranty of any kind with respect to these sites or their content and does not maintain, operate, or take responsibility for

information. (Finally Home!) does not endorse and is not responsible for the accuracy or reliability of such content or information and any use thereof is solely at the user’s risk.

Certain organizations may choose to link the Finally Home! website to their own website. Such linkage is not meant to imply that Finally Home! agrees with, supports and/or concurs with the content such websites may contain.

Copyright and Trademark

All information on this website is: Copyright© 2018 Finally Home!®. All rights are reserved. United States copyright law protects all materials contained on this site. Finally Home!® is a registered trademark. You may not modify, remove, delete, augment, distribute, transmit, publish, license, add to, exploit, participate in the transfer or sale of, create derivative works from the content either in whole or in part without the written permission of Finally Home!.

Usage, Availability, and Access:

The availability of the Finally Home! website depends on many factors, including some factors that are beyond Finally Home! control, such as your connection to the internet and the internet in general. Finally Home! is not liable to you for any reason should you not be able to access the Finally Home! website.

Finally Home! may modify, change, terminate, suspend, or stop the operation of the Finally Home! website without notice and Finally Home! Finally Home! reserves the right to change the price of any product or service listed on the site at anytime without prior notice.

You must be 18 years of age in order to use this website. By registering for this course you warrant that you are 18 years of age or older and have the ability to enter into this agreement.

To take the Finally Home! course you are required to register on the website. When you register you will be required to provide personally identifiable information about yourself, and select a password as part of our security procedures. Your email address will be utilized as your username. Some of the information you will be asked to provide is confidential information and should be treated as confidential. Additionally, you may also be asked to agree to disclosure statements regarding the disclosure of your personally identifiable information. You shall treat your password, and related information as confidential. Your account is personal to you and you are prohibited from providing others with access to Finally Home! or portions of it using your user name and password. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You should use particular caution when accessing your account from a public or shared computer.

Finally Home! reserves the right, without notice and in its sole discretion, to refuse or restrict access or service, terminate accounts, remove or edit content, or cancel orders.

In order to use the Finally Home! website you are agreeing to the terms of use outlined in this document as well as only using the website for lawful purposes. You may not use Finally Home! to reverse engineer or decompile it, or to gain access (or attempt to access) areas or content provided on the website. You prohibited from impersonating any person or entity (including Finally Home! or its employees) via screen names or user names or otherwise, or falsely state or otherwise misrepresent yourself, your age, or your affiliation with any person or entity. You are prohibited from using the site in a manner that violates any national, state, local or international law, rule or regulation (including laws regarding the export of data or software. You are prohibited from using this site for any commercial purpose, including to advertise, promote or sell products or services or to distribute solicitations in the nature of “junk mail,”

“chain letters” or “spam”. You will not promote any criminal or illegal activity or to provide instructional information about illegal activities. You are prohibited from using any means that interferes with, disables, disrupts, impairs, or creates an undue burden on the Finally Home! website or services that support the Website or any of Finally Home’s! products and/or services. You are prohibited from harvesting or collecting email addresses or other contact information of other users by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications; or to send, knowingly receive, upload, download, use or re-use material that conflicts with the requirements or restrictions set forth in this Terms of Use or via robot, spider or other automatic device, process or means to monitor or copy material on the website. You are prohibited from using any means that attacks the Website via a denial-of-service attack or a distributed denial-of-service attack or in any manner that Finally Home! determines, in its sole discretion, restricts or inhibits any other user from using or enjoying Finally Home!, the content provided through Finally Home!, or any other services.

Accessibility

Finally Home! is committed to making every possible effort to ensure that all information is accessible to people with disabilities. If you experience any difficulty accessing the information on our website, please email us at support@finallyhomecourse.com

We’ll try to assist you as best we can. This may include providing you with the information in an alternate format.

Indemnification

You agree to indemnify, defend, and hold Finally Home! and its successors and assigns harmless from and against and in respect of any and all third party, claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries, and deficiencies, including interest, penalties, and reasonable attorneys’ fees that you incur or suffer which relate to your use of Finally Home! Your failure to perform any of your obligations under these Terms of Use or your breach of any of your representations or warranties made under these Terms of Use.

Translation Disclaimer

Translations for Finally Home! have been prepared by a third party and are provided as a courtesy. Finally Home! has made reasonable efforts to provide accurate information however some translations or portions of the translations may be incorrect. Some files and other items such as graphics, charts, and third party forms may not have translations provided. No liability is assumed by Finally Home! for any errors, omissions, or ambiguities in the translations provided on this website. Any person that relies on translated content does so at their own risk. Finally Home! shall not be liable for any losses caused by reliance on the accuracy or reliability of translated information. If you would like to report a translation error or inaccuracy, we encourage you to contact us. support@finallyhomecourse.com

Terms

Finally Home! reserves the right to change the terms, conditions and notices under which this website is used without notice. Any use of the website following the date on which changes to the Terms of Use or Privacy Policy are published on the this website shall constitute your acceptance of all such changes. You expressly agree that Finally Home! shall have no obligation to provide you with notice of any changes, and you hereby expressly waive any right you may have to receive notice of any changes to these Terms of Use, Privacy Policy, or Disclaimers.

General

The Finally Home! Terms of Use, Privacy Policy and Services Disclaimer have been prepared in English and English shall be the controlling language with respect to and the interpretation there of.

The Finally Home! Terms of Use are governed by the laws of the state of Idaho. Any conflicts that could arise or any other disputes or claims associated with Finally Home! shall be heard in a venue within the state of Idaho only. Additionally, you hereby consent to the exclusive jurisdiction of the federal and state courts in the state of Idaho.

Course Material

Finally Home! course materials and website contain some content or access to content that is provided by third parties. These third parties are completely independent of Finally Home! Finally Home! does not review this material or content and is not responsible for it. Your use of any third party forms, links, worksheets, or resources is done so at your sole risk. All material and content provided is done so for informational purposes only and should not be construed or used otherwise. If you have a dispute with a provider of third party content or dealings, or otherwise, you agree that Finally Home! is under no obligation to become involved.

Services Disclaimer

Every effort is made to provide you with accurate and complete information. Finally Home! assumes no liability for the accuracy, completeness, or usefulness of any information, product, resource or process disclosed to you within the course either in-person or online, or by its instructors, counselors, staff, or affiliates. Providers of information do not necessarily speak on behalf of Finally Home! and Finally Home! does not endorse any information such providers may present. Regardless of information provided to you through this course, its instructors or counselors, you are entitled to choose whatever lenders, lending products, homebuying team and home that best meet your needs.

Attendance and completion of the Finally Home! instruction program does not guarantee that you will receive any grant funds from any source.

Contacting Finally Home!

Please send any questions or comments regarding this website by email to support@finallyhomecourse.com Or by mail to Finally Home! PO Box 7899 Boise, Idaho 83707-1899

Finally Home!® – Privacy Policy-1/25/18

This is the Privacy Policy for the Finally Home!® First-Time Homebuyer’s Guide to Homeownership which is owned and operated by Idaho Housing and Finance Association DBA Finally Home!®

Welcome to Finally Home!® the Finally Home! website is available for your use when seeking information regarding homebuyer education. Please make sure you read this Privacy Policy and the Terms of Use, which govern this website. By accessing any area of this site, each user agrees to be legally bound and to abide by the Terms of Use and Privacy Policy. Use of this site is voluntary and if you do not agree to the Terms of Use or Privacy Policy you are not permitted to use the site and you must leave this website immediately.

The Finally Home! Privacy Policy regulates how any personally identifiable information or non-personally identifiable information is used and/or disclosed. By accessing this site you are acknowledging and agreeing to Finally Home’s! Privacy Policy and all actions related to personal information.

Finally Home! respects the privacy and security of your personal information and it is important to us. Just like you, we want all of your personal information kept that way – personal and private. This notice describes the Privacy Policy and practices followed by Finally Home!.

Collection and Sharing of Information

Finally Home! is the sole owner of the information collected on our site. We will not sell, share or rent this information to others in ways different from what is disclosed in this statement.

Finally Home! does not collect any personally identifiable information without the knowledge and consent of the user.

Information you provide may be used in an anonymous or aggregated format that does not identify you personally.

Information collected during registration is for statistical and grant reporting purposes. Idaho Housing and Finance Association is a U.S. Dept. of Housing and Urban Development (HUD) approved housing counseling agency. As such, we are required to collect and share demographic and some personally identifiable information for statistical and grant reporting purposes with HUD. For in-person Finally Home! classes, the information you provide will also be shared with the hosting organization for registration and statistical reporting purposes. Hosting organizations may follow up with you. As part of this homebuyer education program and overall housing counseling services, Finally Home!, its agents, or representatives may also follow up with you.

Finally Home! may disclose your Personal Information to third parties including Finally Home’s! hosting partners, service providers, vendors, affiliates, referral partners, other counseling agencies, financial service providers (such as companies providing home mortgages), lenders, Federal, State, and non-profit agencies or other business partners. Disclosure may be required in order to allow third parties to provide services to you or Finally Home!, process orders for you or Finally Home!, process credit card transactions for you or Finally Home!, provide research or analysis for Finally Home!, provide data storage for Finally Home!, or assist Finally Home! in providing other content available through the website. Finally Home! or its partners or affiliates may use your personal information to communicate with your lender or other necessary parties regarding your homebuyer education course completion and

your use of the Finally Home! program. Finally Home! reserves the right to provide your certificate of completion to any lender that requests it.

Finally Home! utilizes third party vendors to store data, host the website, and for payment processing. Finally Home utilizes a payment gateway to process your online homebuyer education purchase. The Finally Home! website must release your credit card or debit card and payment processing information to payment processors and financial institutions involved in your payment of services purchased on this website and to facilitate returns or refunds.

Finally Home! does not have any responsibility for the actions or policies of any business partner.

Communications

Finally Home! may send new registered users a welcome email to verify registration. Our payment gateway will also provide email confirmation of payment receipt. Established registered users occasionally receive information on service updates, follow-up surveys, and other information pertinent to Finally Home! Live-class registrants may receive email, mail or phone follow-up reminders about the upcoming class they’ve registered for either directly from Finally Home! or the hosting organization.

Links

This website contains links to third party websites.

Please be aware that Finally Home! is not responsible for the privacy practices of third party websites. We encourage our users to be aware when they leave our site to visit other links that they read the privacy statement of each and every website that may collect personally identifiable information.

This privacy statement applies solely to information collected by Finally Home!.

Security

All of our employees have restricted access to the Finally Home! data within our offices. Only employees who need the information to perform a specific job are granted access to personally-identifiable information.

By using this site you acknowledge and agree that Finally Home! and Idaho Housing and Finance Association shall not be liable for any security breach that results from causes or events that are beyond Finally Home’s! control (such as natural disasters, hacking, terrorism, power outages, defects in third party (including dealers’) security products and services, your own acts and omissions, and other similar events beyond Finally Home’s! control.

Your Information

Should you wish to have your personal information removed from Finally Home’s! records you may provide us with written request. Doing this may prevent you from accessing and using the website. If you wish to correct personal information you have already provided to us or if you want us to remove your personal information send your request via email to support@finallyhomecourse.com or by mail to Finally Home! PO Box 7899 Boise, ID 83707-1899

To opt out of any marketing material provided by Finally Home! or IHFA, send your request via email to support@finallyhomecourse.com or by mail to Finally Home! PO Box 7899 Boise, ID 83707-1899

Please note, however, that your opt-out will apply only to marketing emails, not email communications about your Transaction or other non-marketing correspondence.

COPPA

Finally Home! does not knowingly collect personal information from children under the age of 13 on our website. If we discover that any registration is made by a child under the age of 13, such registration will be immediately and permanently canceled and removed from our website, with or without notice.

Privacy Policy Changes

Finally Home! reserves the right to modify this Privacy Policy at any time without notice to you.

Contacting Finally Home!

Please send any questions or comments regarding this website by email to support@finallyhomecourse.com Or by mail to Finally Home! PO Box 7899 Boise, Idaho 83707-1899