Last Updated: January 24, 2014
Please read this entire Policy carefully before using this Site or providing us with any information. When you access or use this Site, you consent to the collection, use and disclosure of your information in accordance with this Policy. By providing personal information to the Site, all Users fully understand and consent to the collection, use and processing of such information by helpforallfamilies.com or third parties as set forth herein. If you do not agree to the terms of this Policy, you are not authorized to use the Site.
Links to Third Parties
No Use of This Site by Persons Under 18 Permitted
This Site is not directed at persons under the age of 18. Persons under the age of 18 must not send any personal information to helpforallfamilies.com under any circumstances, including but not limited to name, address or email address.
Information We Collect
You may be required to provide "personal information" to access or use certain parts of our Website or features of the Site. If you do not provide the requested personal information, you may not be able to access or use the features of the site where such information is requested. We may ask you for personal information, which includes information that pertains to your identity, that we or certain of our participating third party partners consider necessary for performing a preliminary evaluation of your qualifications to receive applicable products and/or services. Such information may include, but is not limited to, items such as: your name; address; e-mail address; telephone number; fax number; credit card information; social security number; date of birth; age; gender; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like and other information that does not identify you. In addition, we may collect certain information regarding the number and type of products and/or services you have responded to and completed.
Third Party Cookies
When you visit our Website, we track internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp and number of clicks to analyze trends and administer the Site, track user's movement in the aggregate and gather broad demographic information for aggregate use. We use your IP address at times to help identify you as you browse and to gather broad technical and demographic information on who uses the Site.
We may use standard internet technology, called Web Beacons (also called clear gifs, pixel tags or web bugs) that are tiny graphics with a unique identifier that are used to track online movements. Unlike cookies which are stored on the user's computer, a web beacon is embedded invisibly on a webpage (or email). Web beacons help us better manage content through the service by informing us what content and which campaigns are effective. This allows us and our participating third party partners to gauge the effectiveness of marketing campaigns by showing how many emails the recipients have opened or by sending/receiving an anonymous identification number when you travel to a site from an online advertisement. We do not tie clear gifs to personally identifiable information.
How We Use Your Information
In general we may use information we collect about you to:
- Provide the products and services that you have requested;
- Perform research and analysis about your use of, or interest in our products, services, content, or the products, services, or content offered by third parties;
- Communicate with you via email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties;
- Develop and display content and advertisement tailored to your interests on our site and other sites;
- Verify your eligibility to receive products and/or services;
- Enforce our Terms of Service;
- Manage our business; and Perform functions as otherwise described to you at the time of collection.
For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information to verify that the information you submitted has a high probability of being valid information.
Based upon your affirmative consent, as evidenced by your clicking on the applicable "submit" button, acknowledgement box, and/or your registration on a Site, we may use the information you provide to attempt to match you with providers of products and services (for example, using your zip code to check for service providers whose service area covers your location) and/or we may forward the information that you provided directly to certain of our third party partners.
Email and Telephone Calls: From time to time, we may contact you via e-mail advertising, telephone marketing, direct mail marketing, or other means to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest to you. By providing your contact information when using our service, you are entering into a business relationship with helpforallfamilies.com and are further requesting, and expressly consenting to, being contacted by helpforallfamilies.com via telephone, fax, email, surface mail, or any other means, at any of your contact numbers or addresses, even if you are listed on any federal, state or other applicable "Do Not Call" list, in order that helpforallfamilies.com may provide the services set forth on the Site or for other purposes reasonably related to your service request and the business of helpforallfamilies.com, including marketing-related emails. You are under no obligation to accept any service or product offered through these communications. If you no longer wish to receive any e-mails from us, or if you want to modify your personal data or want your personal data removed from our database, you may cancel your registration at anytime and you may OPT OUT by following the opt out instructions provided herein.
helpforallfamilies.com may make available a service either directly or through third parties by which you can receive messages on your wireless device via short message service ("SMS Service"). Your provider's standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.
Program subscribers may opt out of the SMS Service by replying with the keyword "STOP", "END", or "QUIT" to the SMS text message received or use the convenient Mobile Unsubscribe link on this website. This process impacts only the future delivery of Company's SMS message offering and will not unsubscribe you from other SMS programs to which you may have subscribed. Program subscribers may receive assistance for the SMS Service by replying with the keyword "HELP" to the message received.
In order to provide the products or services you have requested, we may disclose the information we collect to companies that facilitate or provide elements of our service on our behalf, including without limitation, credit card processors, email management firms, and call center providers.
We may also disclose your personally identifiable information when required by law, such as in response to a subpoena, court order, or other legal process, or to prevent imminent harm to any person or entity. We will fully cooperate with law enforcement agencies in identifying those who use our services for illegal purposes.
How We Protect Your Privacy
We follow generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee the security of any information you disclose online. By using this site, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this site and that any personal information, general information, or other data or information received from you through the site is provided to us at your own risk, which you expressly assume. If you have any questions about security on our Web site, you can e-mail us at the address indicated in the Contact Us section above.
Our third party partners are required to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our third party partners is breaching our agreement, we will take corrective actions including, if necessary, terminate our relationship with such third party partner.
If you wish to opt-out from receiving additional email offers, advertisements and promotions relating to this Site, please click on this link to "opt-out".
If you choose to opt-out, your e-mail address will be added to the suppression files associated with this Site within ten (10) business days of your request. Thereafter, you should not receive any further email offers, advertisements and promotions from this Site. However you may still receive promotional communications from our third party partners with whom we have shared your information. To stop receiving further communications from these third party partners you will need to contact them directly in order to opt-out. Please note that after we process your request to opt-out from receiving additional email offers, advertisements and promotions from this Site, we will no longer make your information available to our third party partners relating to this Site.
Special Notification for California Residents
Individual customers who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted through our Contact Us instructions.
Notification of Intellectual Property Rights Infringement
We are committed to uphold and respect intellectual property rights. If you are an intellectual property owner and believe that your rights have been infringed by materials on this webpage, please refer to the Contact Us section and we will ensure that your issue will be addressed by the appropriate parties within helpforallfamilies.com.
Please provide the following information in your correspondence to us: your name and contact information, identification of the copyrighted work claimed to be infringed, identification of the material that is claimed to be infringing, and sufficient information for us to locate the material. Please include with your correspondence, (i) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by you (copyright owner), your agent, or the law; (ii) a statement that the information you provided is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.
Acceptance of Terms
Last Updated: January 24, 2014
Terms of Service
Please read this Terms of Service Agreement carefully. helpforallfamilies.com ("helpforallfamilies.com," "our," "us") provides the Services, which are defined below, to you subject to the following Terms of Service, which may be updated by us from time to time without notice to you. By accessing, browsing or using the websites (collectively, the "Website(s)" or "Site(s)") owned and operated by helpforallfamilies.com and the Services provided through or in connection with the Websites, you accept and agree to be bound by the terms and conditions of the Terms of Service. Your continued use of the Services following any posted changes to the Terms of Service constitutes your acceptance of such changes.
YOU AGREE THAT BY USING THE SERVICE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT. You certify to helpforallfamilies.com that: (i) you are at least eighteen (18) years of age; (ii) you assume full responsibility for the use of the Service by any minors; (iii) you agree that all information you have submitted through the Service, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the Website or Service; and, (iv) your use of the Service is subject to all applicable federal, state, and local laws and regulations.
Terms Applicable to All Products and Services
helpforallfamilies.com does not charge you a fee to research and compare services. Any compensation helpforallfamilies.com may receive is paid by the individual Client that provides such products and services.
Our Service is an online marketplace where you can research and compare services in a number of different categories, including, but not limited to, home purchase loans, home equity loans, home refinance loans, dating, dieting, healthcare, auto insurance, and online educational programs (collectively, the "Service"). helpforallfamilies.com; does not endorse or recommend the products or services of any particular Client (defined below) on any of its Websites or guarantee acceptance into any particular program. helpforallfamilies.com is not an agent of either you or any Client.
You understand and agree that if you submit a request for a product or service offered through the Service, helpforallfamilies.com will share your personal information (such as your full name, address, e-mail address, telephone number, and any other information you provided or permitted us to obtain and disclose) with any Clients in our network, including but not limited to banks, correspondent lenders, mortgage bankers, brokers, dieting and healthcare providers, insurances agents, and online education program providers, (hereinafter referred to individually and/or collectively as "Client(s)") to process and fulfill your request.
You understand that Clients are not employees or agents of helpforallfamilies.com, nor is helpforallfamilies.com an agent of the Clients. The terms of your relationship with any Client, including terms, conditions, warranties or representations associated with such dealings, are solely between you and such Client. Your rights under any contract you may enter into with any Client are governed by the terms of such contracts and by applicable federal, state and local laws, rules and regulations. Should you have a dispute with any Client, you must address such dispute with the Client directly. You agree not to hold helpforallfamilies.com liable for any loss or damage of any sort incurred as the result of any of your dealings with any Client.
helpforallfamilies.com does not guarantee that it will be able to match you with a Client or Clients through your use of this Service or that the Clients available through this Service are either capable of or willing to provide you with products or services. helpforallfamilies.com and our participating Clients expressly reserve the right to discontinue, suspend or terminate the offering of helpforallfamilies.com's Service and participating Clients' products or services at any time and without prior notice.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to any product through our Service to each of the Clients to whom your request is transmitted. By submitting any request for products or services, you are extending an express invitation to be contacted by one or more Clients either by telephone, email, or postal mail based on the information you have provided to us, even if you have opted into any federal, state, or other applicable Do Not Call List. You understand that Clients may maintain the information you submitted through the Service whether you elect to use their services or not. In the event you no longer want to receive communications from a Client, you agree to notify the Client directly. You also give helpforallfamilies.com permission to send you periodic updates of current products or services which may be of interest to you.
Content Disclaimer: helpforallfamilies.com MAKES NO WARRANTY REGARDING THE CONTENT ON ANY WEBSITE, AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE.
In using the Service, you must not (i) submit, transmit or facilitate the distribution of information or content that is harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person's view, objectionable; (ii) submit, transmit, promote or distribute information or content that is illegal; (iii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service; (iv) take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v) upload invalid data, viruses, worms, or other software agents through the Service; (vi) use any robot, spider, scraper or other system to access the Service for any purpose without our express written permission; (vii) impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; (viii) submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships; (ix) interfere with the proper working of the Service; (x) bypass the measures we may use to prevent or restrict access to the Service; or (xi) use the Service for commercial or advertising purposes.
Copyright, Trademark and Service Mark Notice Information.
When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, "Content") in violation of any third party's copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.
Links to Other Web Sites.
helpforallfamilies.com, through our Websites, Service or otherwise, may provide links to third parties' websites. helpforallfamilies.com does not endorse, has no control over, and is not responsible in any manner for the terms, conditions, fulfillment or performance of such third parties' advertisements or offers, the collection of information from you by any such third parties, the use of your information by any such third parties, or the use, operation or availability of websites owned or operated by, or on behalf of, any such third parties.
You acknowledge and agree that helpforallfamilies.com is not responsible for the availability of such external websites, and does not endorse and is not responsible or liable for any content, advertising, products, whether loan, auto, or telecommunications, or other materials on or available from such websites. You further acknowledge and agree that helpforallfamilies.com will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, goods or services available on or through any such websites.
YOU AGREE TO INDEMNIFY helpforallfamilies.com, INCLUDING helpforallfamilies.com'S PARTNERS, OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ADVERTISERS, AND THIRD PARTY SERVICE PROVIDERS (COLLECTIVELY, "helpforallfamilies.com PARTIES"), AND HOLD THEM EACH HARMLESS FROM ANY AND ALL CLAIMS OR DEMANDS, INCLUDING REASONABLE ATTORNEY'S FEES AND COSTS, MADE BY ANY THIRD PARTY DUE TO OR ARISING FROM YOUR USE OF THE SERVICE, YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR VIOLATION OF ANY RIGHTS OF A THIRD PARTY.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: helpforallfamilies.com DISCLAIMS ALL WARRANTIES. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, helpforallfamilies.com, INCLUDING helpforallfamilies.com PARTIES, EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
helpforallfamilies.com, INCLUDING helpforallfamilies.com PARTIES, MAKES NO WARRANTY THAT (a) THE SERVICE WILL MEET YOUR REQUIREMENTS; (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (c) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (d) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL MEET YOUR EXPECTATIONS OR NEEDS.
helpforallfamilies.com, INCLUDING helpforallfamilies.com PARTIES, MAKES NO WARRANTY REGARDING ANY CONTENT, GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO AS A RESULT OF YOUR USE OF THE SERVICE.
Limitation of Liability.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU UNDERSTAND AND AGREE THAT helpforallfamilies.com, INCLUDING helpforallfamilies.com PARTIES, WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS' FEES, EXPENSES, AND COURT COSTS) RESULTING FROM THE USE OR INABILITY TO USE THE SERVICE OR FOR COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS AND SERVICES OR RESULTING FROM ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE OR RESULTING FROM UNAUTHROIZED ACCESSS TO OR ALTERATION OF YOUR TRANSMISSION OR DATA OR RELIANCE UPON ANY WEB SITE LINKED TO FROM THE SERVICE, EVEN IF helpforallfamilies.com, INCLUDING helpforallfamilies.com PARTIES, HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW
Release. YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE helpforallfamilies.com AND helpforallfamilies.com PARTIES AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.
helpforallfamilies.com may provide you with notices, including those regarding changes to the Terms of Service, either by email, regular mail, or postings on the Service. All notices to helpforallfamilies.com must be made in writing and mailed to:Info@helpforallfamilies.com
Modification to Service.
Governing law and Other Terms.
Mandatory Arbitration. You understand and agree that all claims, disputes, or controversies between you and helpforallfamilies.com, including helpforallfamilies.com Parties, including but not limited to tort and contract claims, claims based upon any federal, state, or local statute, law, order, ordinance, or regulation, and the issue of arbitration, shall be resolved by final and binding arbitration using the American Arbitration Association's (AAA) Commercial Arbitration Rules (AAA Rules) in effect on the date of initiation of the arbitration, except as to those AAA Rules that conflict with or differ from this Terms of Service, by one or more arbitrators appointed in accordance with the said rules at a location within San Francisco County, California. Any controversy concerning whether a dispute is arbitral shall be determined by the arbitrator(s) and not by the court. Judgment upon any award rendered by the arbitrator(s) may be entered by any state or federal court having jurisdiction thereof. Neither you nor helpforallfamilies.com shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.
California Law and Jurisdiction.
All disputes arising out of or related to the use of the Site or Service, as permitted following the Mandatory Arbitration described above, shall be brought in the state or federal courts located in the Northern District of California, and you hereby irrevocably consent to the exclusive jurisdiction and venue thereof. This Agreement will be construed in accordance with the laws of the State of California without regard to its conflict of law principles. If the law of your residence prohibits or limits your participation in the Service, then you are responsible for complying with such laws and you agree to indemnify helpforallfamilies.com, including helpforallfamilies.com's partners, officers, directors, agents, employees, subsidiaries, affiliates, parents, successors, and their suppliers, against any breach or violation.
If any part of these Terms and Conditions is held to be unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remainder will remain in full force and effect. These Terms and Conditions are personal to you and you may not transfer, delegate or assign these Terms and Conditions to anyone.
Any attempt by you to assign or delegate these Terms and Conditions shall be null and void. helpforallfamilies.com may assign these Terms and Conditions at its sole discretion.
No Third Party Beneficiaries.
You agree that, except as otherwise expressly provided in these Terms of Service, there shall be no third-party beneficiaries to these Terms of Service.
No failure of either party to exercise or enforce any of its rights under these Terms and Conditions will act as a waiver of such rights.
Entire Terms of Service.