Disclaimer, Privacy Policy and Terms of Use

Disclaimer

Please read this carefully before accessing or using the HOME BUYERS ONLINE SEMINAR website. By accessing or using the HOME BUYERS ONLINE SEMINAR website, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use the HOME BUYERS ONLINE SEMINAR website.

The HOME BUYERS ONLINE SEMINAR website contains content and information originated by Aad's Webservices (the "Content"). Aad's Webservices presents and makes available such content and information through the HOME BUYERS ONLINE SEMINAR website as a public service, for the purpose of aiding you, the individual consumer. Aad's Webservices, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information.

We act as a venue for individuals interested in buying a home to make introductory communications with licensed real estate agents. We charge a fixed yearly fee to local real estate agents for use of this communication venue. Our services are provided free of charge to individual home buyers. We act neither as a real estate broker nor a real estate salesman and we do not broker transactions. We are not responsible for selling, purchasing, exchanging, renting or leasing property. We seek no commission fees for real estate transactions, and we have no involvement in the transaction process. We make no representations or warranties about prospective buyers (e.g., including financial capabilities), or participating real estate agents.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING BUT NOT LIMITED TO HOME BUYERS ONLINE SEMINAR CONTENT, AFFILIATE CONTENT, AND PUBLIC CONTENT, PROVIDED BY AAD'S WEBSERVICES THROUGH THE HOME BUYERS ONLINE SEMINAR WEBSITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. AAD'S WEBSERVICES MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. AAD'S WEBSERVICES EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. AAD'S WEBSERVICES SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE HOME BUYERS ONLINE SEMINAR WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

THE INFORMATION CONTAINED IN AND PROVIDED THROUGH THE HOME BUYERS ONLINE SEMINAR WEBSITE IS NOT INTENDED NOR IMPLIED TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. IN NO EVENT WILL AAD'S WEBSERVICES BE LIABLE TO ANY USER OR TO ANY THIRD PARTY FOR ANY DECISION MADE OR ACTION TAKEN BY ANY USER OR ANY THIRD PARTY IN RELIANCE UPON THE INFORMATION CONTAINED IN OR PROVIDED THROUGH THE HOME BUYERS ONLINE SEMINAR WEBSITE.

Terms of Use

Except where we specify otherwise, we offer you access to the HOME BUYERS ONLINE SEMINAR website solely for your personal and non-commercial uses. You promise that you will not use the HOME BUYERS ONLINE SEMINAR website, in whole or in part, for any purpose that is unlawful or prohibited by these Terms of Use or for any purposes other than those that are personal and non-commercial. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other website, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the HOME BUYERS ONLINE SEMINAR website. Except with the written permission of Aad's Webservices, you agree that you will not create links from any website or web page to any page within the HOME BUYERS ONLINE SEMINAR website. If written permission is granted, the origin of any such link to the HOME BUYERS ONLINE SEMINAR website homepage must be accompanied by a clear and prominent attribution indicating that the link is connected to the HOME BUYERS ONLINE SEMINAR website homepage. You agree that if you create any link to the HOME BUYERS ONLINE SEMINAR website that you will not employ any technology that results in the placement of content from the HOME BUYERS ONLINE SEMINAR website in a frame and/or a reduced pop-up window and/or any other display mechanism which changes the HOME BUYERS ONLINE SEMINAR website from how it would appear if a user typed in the URL to a typical browser line.

All materials on the HOME BUYERS ONLINE SEMINAR website (as well as the organization and layout of the HOME BUYERS ONLINE SEMINAR website) are owned and copyrighted or licensed by Aad's Webservices, its affiliates or its suppliers. ©2003-2006 Aad's Webservices. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at the HOME BUYERS ONLINE SEMINAR website is permitted without the written permission of Aad's Webservices. Any rights not expressly granted herein are reserved.

Privacy Policy

Information this website gathers / tracks

The information gathered by HOME BUYERS ONLINE SEMINAR falls into two categories:

(1) information voluntarily supplied by visitors to this website when they register or initiate transactions, and (2) tracking information gathered as visitors navigate through this site. Third party providers featured on or linked to from this website, such as vendors of products and services offered through this site, may be gathering the same kinds of information.

To help make this site more responsive to the needs of our visitors, help you navigate between sections, tailor content to your needs and to measure traffic within this site, our web server automatically collects limited information about your computer's connection to the Internet, including your IP address, when you visit this site. It also invokes a standard feature of browser software, called a "cookie," to assign each visitor a unique, random number, a sort of user ID, which resides on your computer. The cookie helps give us an idea of which parts of our site users are visiting and doesn't actually identify the visitors, only the computers that visitors are using to access our site.

Unless you voluntarily identify yourself (through registration, for example), we will not know who you are. Cookies can not read unrelated data from your computer. Our advertisers and the third parties that provide products or services through this site may also assign their own cookies to your browser, but we do not control their cookies or their processes, and they do not regularly share information they gather with us.

To make use of certain features on this website (such as free online seminars, 3D eCard service, personal web pages, bulletin boards and other interactive forums) visitors need to register and to provide certain information as part of the registration process. We may also ask for information from those who buy products or services or conduct other transactions on our website. For example, we may ask for your name, e-mail address, street address, sex, age, phone number, city or town, and postal code, and sometimes request specific information (for example, about your current home, about your preferences regarding the new house you would like to buy, about circumstances regarding your mortgage, etcetera).

The information you supply may help us to offer you more personalized services, to tailor our site to your interests and make it more useful to you. Of course, even if you want to remain completely anonymous, you are still free to take advantage of the wealth of content available on our site without registration.

Our online surveys and contests ask visitors for contact information (such as their e-mail address) and demographic information (such as their postal code or age). Demographic and profile data collected at our site will not be shared with advertisers, not even on an aggregate basis.

We also use customer contact information from the various registration forms, opt-in features and service features to send the user information about our site, the companies we represent and our affiliates. Users may opt-out of receiving future mailings; see the choice/opt-out section below.

As this privacy policy reaffirms, we strive to protect confidentiality of our visitors. We do reserve the right to use customer contact and other information when we deem it necessary or appropriate to comply with applicable laws, rules, or lawful orders of courts and governmental agencies, to enforce compliance with the terms and conditions for use of our site, or to protect third parties from what we regard as threats of serious harm.

Links to Other Sites

This site contains links to hundreds of other sites. The establishment of a link does not mean that we approve and/or endorse a site, have reviewed its contents, or am in any manner recommending a visit to that site. We are not responsible for the privacy practices or the contents of linked web sites.

Advertising and Cookies

HOME BUYERS ONLINE SEMINAR displays banners on the website. These banners/ads may contain cookies. Cookies received with such banners or other ads are collected by our advertisers and/or ad companies, and we do not have access to such information.

Public Forums

This site may make available forums, message boards, and/or news groups to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. We do reserve the right to delete any postings at any time.

Security

This site has numerous security measures in place to protect the loss, misuse and alteration of the information under our control. The measures include passwords, linkages to secure servers, encryption, backup tapes, and conventional locks and alarm systems. However we cannot guarantee that the measures in place have been, are now, or will remain adequate.

Children's Guidelines

This website is directed at adults, not children, and we do not seek to collect from children online contact information, or distribute to third parties any personally identifiable information from children, or entice children by the prospect of a special game, prize or other activity, to divulge information to us. We will not knowingly allow anyone under 16 to register with our site or to provide any other personally identifying information without written approval of a parent or guardian.

Choice/Opt-Out

This site provides users the opportunity to opt-out of receiving communications from us and sites associated with us at the point where we request information about the visitor. This site gives users various options for removing postings and other information, and to discontinue receiving future communications from us. For example, our newsletters have linkages and/or return addresses for recipients to direct that they unsubscribe.

Revisions / Corrections / Updates

We reserve the right to change our privacy policy from time to time. If we do change our privacy policy in the future, we will post the changes when they take effect at this page.

Contacting the Web Site

If you have any questions about this privacy statement, which is effective March 1, 2005, the practices of this site, or your dealings with this website, you can contact us by .

Equal Housing Opportunity

You have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status, or national origin.

This includes the right to expect:

Housing in your price range made available to you without discrimination;

Equal professional service;

The opportunity to consider a broad range of housing choices;

No discriminatory limitations on communities or locations of housing;

No discrimination in the financing, appraising, or insuring of housing;

Reasonable accommodations in rules, practices and procedures for persons with disabilities;

Non-discriminatory terms and conditions for the sale, rental, financing, or insuring of a dwelling; and

To be free from harassment or intimidation for exercising your fair housing rights.

Agents in a real estate transaction are prohibited by law from discriminating on the basis of race, color, religion, sex, handicap, familial status, or national origin. A request from the home seller or landlord to act in a discriminatory manner in the sale, lease or rental cannot legally be fulfilled by the real estate professional.

Local Boards of REALTORS® will accept complaints alleging violations of the Code of Ethics filed by a home seeker who alleges discriminatory treatment in the availability, purchase or rental of housing. Local Boards of REALTORS® have a responsibility to enforce the Code of Ethics through professional standards procedures and corrective action in cases where a violation of the Code of Ethics is proven to have occurred.

Complaints alleging discrimination in housing may be filed with the nearest office of the United States Department of Housing and Urban Development (HUD), or by calling HUD's toll free numbers, 1-800-669-9777 (voice), or 1-800-543-8294 (TDD).

Contact HUD on the Internet:

CLICK HERE