All Users are assumed to have read and accepted this statement. Doing so is a prerequisite submitting any content to or downloading any content from HomeBuyerFunds.com.


Definitions
Generally, the term "HomeBuyerFunds.com" refers to the HomeBuyerFunds.com organization and Web site. The term "HomeBuyerFunds.com" in the context of a decision-making entity can be assumed to refer to the HomeBuyerFunds.com Executivel Board. The term "domain" refers to www.homebuyerfunds.com, and any file or page said to be in or under this domain would have HomeBuyerFunds.com as a prefix. The term "this document" refers to the HomeBuyerFunds.com User Agreement.

Disclaimer of Warranty
HomeBuyerFunds.com will be provided free of charge on an "as is, as available" basis. HomebuyerFunds makes no warranties or guarantees, either express or implied, with regard to the information found under the domain name "www.homebuyerfunds.com." Although HomeBuyerFunds.com intends to test all files to assure any files available from our domain are free of viruses or any other potentially destructive properties, HomeBuyerFunds.com cannot and does not guarantee that all files will free of infection. The entire risk as to the quality and performance of HomeBuyerFunds.com and the services and files found under its domain is with the user.

Off-Site Information
HomeBuyerFunds.com contains links to resources that lie outside the HomeBuyerFunds.com domain. Unless explicitly noted otherwise, HomeBuyerFunds.com assumes no liability or responsibility for the content, quality, or performance of files, services, or information found outside our domain. 

With regard to all services, the User will not:
 (a) Submit material to HomeBuyerFunds.com under a name that implies the identity of another person.
 (b) Submit anonymously except where expressly permitted.
 (c) Use the services provided by HomeBuyerFunds.com to commit or assist in unlawful purposes or activities.
 (d) Submit material that unlawfully invades privacy or contains legally libelous statements.
 (e) Use HomeBuyerFunds.com services and resources for commercial purposes, except where explicitly noted otherwise, without the express permission of HomeBuyerFunds.com. Note: Certain solicitations or notification of services may, in fact, be appropriate in certain situations, and HomeBuyerFunds.com encourages inquiries for permission.
 (f) Submit material that might be considered pornographic or obscene under the law.
 (g) Undertake activities that seriously and deliberately undermine or threaten the goals and operation of HomeBuyerFunds.com. (Constructive criticism, however, is appreciated).
 (h) Violate any of the copyright statements.


Copyrights
? (a) Unless explicitly noted otherwise, all text, original graphics, and other content found under our domain are copyrighted as a collective work under the United States copyright laws. HomeBuyerFunds.com is the owner of the copyright. The User agrees not to copy, reproduce, redistribute, or publish any part of HomeBuyerFunds.com without the explicit consent of HomeBuyerFunds.com, and may download content for personal use only. HomeBuyerFunds.com employs some free domain graphics and scripts that users are free to use, but may offer no way to distinguish these from our original work. Contact HomeBuyerFunds.com for this information.
? (b) The User agrees that unless explicitly noted otherwise, submitting any content to HomeBuyerFunds.com grants HomeBuyerFunds.com an irrevocable, non-exclusive, royalty-free, perpetual worldwide right and license to use, review, edit, copy, publish, distribute, and translate the content in any medium, whether now known or hereafter invented. The submitting User also retains all rights to his or her own submitted content. Please note that there are some services where HomeBuyerFunds.com does not retain the rights given in Part (b). When this is the case, it will be explicitly noted in the appropriate service.
? (c) The User shall not upload, post or otherwise make available on HomeBuyerFunds.com any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright. The burden is on the User to verify that posted content does not infringe any copyright violation or that permission for use has been granted. By submitting material to HomeBuyerFunds.com, the User agrees that it he or she owns the copyright to the material or an adequate license to distribute the material to HomeBuyerFunds.com, and places it in the Public Domain for personal use by other Users.

Violations
HomeBuyerFunds.com reserves the right to take punitive action in response to violations of the conditions of this document, including but not limited to removal of posts, warnings, suspension of User privileges, and legal action. HomeBuyerFunds.com administrators reserve the right to patrol for violations. HomeBuyerFunds.com strongly encourages users to report suspected violations.

User Safety
HomeBuyerFunds.com assumes no responsibility for the actions of people met through our resources, for the quality of items or services acquired through our resources, or for the safety of any other transaction facilitated by our resources. Be aware that we cannot and do not screen most submissions before they are posted, and cannot possibly account for the actions of each individual who uses the site. The burden is on the User to take precautions to assure his or her safety.
Before making any agreements for exchange or affiliation, make as much verbal and/or personal contact as you feel is necessary to establish trust with anyone you locate through HomeBuyerFunds.com. Even in the Duke Community there may be those who may choose to abuse the resources we provide. HomeBuyerFunds.com is dedicated to keeping this abuse to a minimum, but unfortunately the automation and free-exchange of information that make HomeBuyerFunds.com a possibility also make it impossible for us to prevent any such abuse from occurring. Please don't take chances, and take personal responsibility for making sure your experience with HomeBuyerFunds.com is a safe one.

Accuracy of Content
HomeBuyerFunds.com cannot and does not guarantee the accuracy of all information found under our domain. The responsibility to verify the truthfulness of information found on HomeBuyerFunds.com belongs to the User.

Changes in User Agreement
HomeBuyerFunds.com reserves the right to make changes in its Operating Policies/User Agreement at any time without consultation with the users. Users can view the most recent version of the Operating Policies/User Agreement at any time by clicking any hyperlink with the words " User Agreement."

Indemnification
The User agrees to indemnify, defend, and hold HomeBuyerFunds.com, its governing board, staff, and volunteers harmless from and against all losses, expenses, damages and costs resulting from any violation of our User Agreement.

General Provisions
Additional rules, regulations, or specifications provided with individual services within HomeBuyerFunds.com carry the same force as this document. However, any such information or information from other sources that the User receives that is in any way inconsistent with the provisions of this document is null and void and trumped by the conditions in this document. If any provision of this document is determined by a court of competent jurisdiction to be invalid, all other terms and conditions will remain in full force and effect.