Privacy Policy

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE PLATFORM OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.

IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE PLATFORM OR SERVICES.

This platform offers a combination of marketing and technology services which are utilized by small to large brands for marketing purposes, consent management, and client acquisition/retention.  This platform/ service is intended for United States residents only.

We are not a lender, debt service, debt settlement company, real estate company, insurance agent/provider, auto sales company, automotive warranty organization or a home services contractor. This is not, and is not intented to be any type of application for any insurance or financial product. 

Consumer Privacy

We are committed to providing users a friendly and safe environment for providing consumer data. 

This Privacy Policy discloses the privacy practices of FhaReliefs.com, an Arizona limited liability company and its affiliates and subsidiaries, (collectively “FhaReliefs.com”, “we”, “us”, “our”, or “Company”) and governs the use of this platform, or other Company web properties, platforms,  products and services (collectively, the “Services” or “Platform”) by users (“you” or “your” ). 

We have created this Privacy Policy to inform you about what information we collect, how we secure that information, how we use and share that information.

Information Collected

We collect general types of information about you when you visit and use this platform; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information. Depending on what product/service you inquire about, some of the information that may be requested will be identified as mandatory or as voluntary. If you do not wish to provide the mandatory information for a particular product/service, you will not be permitted to submit an inquiry as some information is required to process your requests.

No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties. 

“Personal information” is information that can be used to identify you that you are prompted to provide on this platform to process your inquiry. Such information may include your name, address, telephone number(s), mobile numbers and email address, employment status or other unique information about you which you provide to us on this platform, or through the course of communicating with us about the products and services provided on this platform. 

“Demographic information” is information that refers to selected population characteristics. Such as  zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information. 

 “Behavioral information” is information which is automatically collected when you use the platform. It includes the areas of the platform that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited. When we can identify you through this information, it is Personal Information.  

“Third party information” is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. We have no access or control over these cookies as they are owned by third parties and other tracking devices owned and/or used by third party advertisers and networks. Because we have no ownership or control over these cookies, they are goverened by third party policies and their practices. Therefore, we have no responsibility or liability for such third parties or their policies and practices. 

“Web technology information” may be personal or non-presonal and is collected by us or third parties under contract with us. We use two third party services: ActiveProspect’s TrustedForm Script is used to independently document users’ consent to be contacted. The TrustedForm Script is embedded on this website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user’s computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user’s browser. For more information about ActiveProspect’s data use and collection policies and practices, please review the ActiveProspect Privacy Policy, located at ActiveProspect.  Similarly, we utilize Jornaya’s LeadiD script which is embedded on this website and also collects information such as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks and  tracks users’ movements around the site (including the capture of visual snapshots of the user’s activity on the site).  To review Jornaya’s data use and collection policies and practices, please visit: Jornaya.  The information collected from this technology is combined with other aggregate data to issue a unique identifier for that site visit.

Information Collected Through Technology

Generally, we, third parties and advertisers place and use tracking technologies on our website. This includes, but is not limited to cookies, web beacons, and java scripts. 

These technologies or similiar tracking technologies are used to collect web technology information about you which includes data such as internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Services, track users’ movements through our web properties and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis.

“Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of this Platform. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this platform again, cookies allow us to remember you’re your settings and may be used for authentication. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to this platform, and deliver specific content to you based on your past viewing history. You can disable cookies, although this platform may not function properly for you. Your browser preferences can be modified to accept or reject all cookies or request a notification when a cookie is set. 

Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through this Platform. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the activity on this Platform with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see here. 

We also participate in all of Google Analytics Advertising. This includes (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) DoubleClick Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see here. 

We also use Google Analytics which is an analysis service also provided by Google Inc. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-available  <a href="https://tools.google.com/dlpage/gaoptout/"> here. 

Social Media Cookies: This Platform may include social media features. These features may collect your IP address, which web properties you engage with, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our web properties. Your interactions with these features are governed by the privacy policy of the company providing it. 

Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to this Platform to measure and improve the effectiveness of any marketing and track delivery of advertising and other communication methods. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser. 

JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of web properties, particularly with respect to pictures. It is also used to track, record and analyze user movements through our website. We use it to prove legal compliance, analyze and improve our Platform’s functions. You may deactivate JavaScript through your browser settings or activate it the same way.

How We Use and Share Information

The information provided on this platform is used to: 

• Connect you to multiple businesses who offer products and services that you have expressed interest in.
   
• Provide you with the services and or products you have requested. This may include passing your information on to a third party to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of third parties. If you have any questions or wish to remove your information from the third party databases, you will need to contact that party directly.
   
• Improve Our Platform/Sites. We use the information we gather to respond to any inquires you make, operate and improve the functionality of this platform, and deliver services. Our services include the display of personalized products, content, and marketing, relating to your engagement with the platform and any submissions. We may share aggregated anonymous information about you which may be combined with other individuals using this platform with third parties, so that we and our service providers can understand visitors activities and use of the platform.
   
• We share your information with companies and individuals employed to perform technical functions on our behalf. For example, third parties who host our website, analyze our data, submissions, provide marketing assistance, process credit cards, or provide customer service. Third parties who provide technology on this site will have your data in order to validate submissions, these functions will track and capture the users activities and movements within the inquiry form. Third party services such as Active Prospect and Jornaya are used for these technical functions.. These technical functions record your actions on the platform and store the same for future retrieval to perform internal audits to ensure proper consumer disclosures were provided and provide proof of consent and permission were obtained when required under an applicable Federal and State laws and regulations. These records may also be shared for a legal purpose.

Use of Cross-Device Advertising and Tracking:  This platform may collect and use your data for cross-device marketing purposes. This process allows consumers to experience a personalized, informative advertisement that targets specific product interests over multiple devices.   The information may also be used for analytics, and reporting purposes such as marketing effectiveness and overall campaign success.

Your information collected on these platforms, websites or applications including your browser or multiple device(s)  are combined  i.e. Your tablet and cell phone. This allows for delivery of advertisements or informational data to your multiple devices. 

This platform may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. To ensure you receive proper notifications, the collection of certain information about your device such as operating system and user identification information is necessary. You may opt-out of push notifications or alerts through your browser settings.

When you submit an inquiry for use of these services, you explicitly authorize us to share your information with our client network, affiliates and/or vendors so that they may contact you via email, SMS, telephone and/or direct mail.  

The information you provided will be purchased by the client network, affiliates and/or vendors in order to provide such services.

Specifically, upon submitting your mobile or telephone number ,  you will give prior expressed written consent to share the information you have provided  to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from us and/or our client network, affiliates, and vendors to the phone numbers (including mobile numbers).  You provide similar express permission when you provide your email addresses. This consent is not a condition, directly or indirectly of any type of purchase.  

The personal information that you provided on this platform will be shared with our network of clients.  As a result, we provided your personal and non personal information with these businesses so they may contact you.  This will allow for you to compare different services/products and providers prior to purchasing such services/products. 

Your information may be shared in order to process Opt-Out requests. If you decide that you are no longer interested in receiving SMS or email communications from us, we may share your information with affiliated partners and/or vendors in order to process and monitor our request.

Legal Compliance/Other Information Disclosure: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates. We may also disclose your information to manage and protect our information technology infrastructure and security.  

Acquisition or Merger: We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may

sell, license or otherwise dispose of such information in a transaction approved by the court.

Unsubscribe, Opt-Out or Revoke

You may revoke consent at any time for any use of personal information collected from you under this Privacy Policy. To revoke consent, email us at info@fhareliefs.com with “Revoke Personal Information” in the subject line. PLEASE NOTE: Data collected may be purchased and/ or transferred by our client network, affiliates, and/or vendors which takes place immediately in real-time. Should you decide to unsubscribe, opt-out or revoke consent, your data may have already been sent to our client network/vendors. We will remove your personal information from our internal programs (as permitted by law)  and further communication from us will cease. When required, we will also notify those with whom we have shared your information of your request to revoke. If any client network, vendors, or affiliated companies are contacting you, please follow the instructions to opt-out in those entities’ specific communications. 

Third Party Information/”Do Not Track”

To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our platform.  As a result of your visit to our platform, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or click here.

Third parties with whom we partner to provide certain features on the platform or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here.

Our Platform and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third party websites. The inclusion of a link on our Platform does not imply any endorsement of the services, products or website, or its sponsoring organization.

“Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals. 

If you wish to limit the collection of information by us or third party partners to provide you with advertising based upon your website browsing activities and interests, you may click here to opt out. 

To opt out of targeted advertising on your mobile device, iOS users can click here to learn how to limit ad tracking and Android users can click here to learn how to opt out of interest-based ads. 

Please note that opting out of interest-based/targeted advertising does not limit all advertising. You will continue to receive generic advertisements.

Privacy Policies of Third Parties

This Privacy Policy only addresses the Services offered by us.

Other websites or services, such as those websites we provide links to websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.

We are not responsible for the policies or practices of third parties.

Editing and Requesting Your Information

We will permit you to change your profile settings. Even after you remove your information from your profile, copies of your information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.

For inquiries regarding personal information collected or to correct factual inaccuracies in this information, please email us at: info@fhareliefs.com.

Storage and Security

We will retain personal information, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.

We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control. 

Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our platform, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.

We require that client network, affiliates, and/or vendors handle consumer information under secure confidential conditions.

Notwithstanding such security measures, please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.

Although we have agreements and vetting procedures in place for third parties, We are not responsible for the actions of any third parties that may receive any such information.

You should note that the security of your personal information also depends on you.  Please do not communicate any information to us through unsecured channels, such as when you are in public areas. Where we have provided you or you have chosen a password, access code, or similar security feature, you must keep the password, access code or security feature confidential. Please do not share your password with anyone. If you believe your password or account has been compromised, please contact us immediately at info@fhareliefs.com.

Minors and Privacy Issues

Children’s Online Privacy Protection Act- This platform is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at info@fhareliefs.com If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service. 

• No part of the Platform is designed to attract anyone under the age of 18.
• Children under the age of 18 may not use the Platform.
• If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.

Changes to Privacy Policy

We may change this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page which will also be the effective date of such revisions.  We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. 

You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically to learn of any revisions to this Privacy Policy.

Your continued use of the Platform after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.

CALIFORNIA RESIDENTS- Your California Rights 

The California Consumer Protection Act has granted specific rights and remedies.  To review all California Privacy Rights and Remedies please click here

Contact Information

If you have any comments or questions regarding our Privacy Policy, or to report abuse of any personal information collected under this Privacy Policy, please email us at info@fhareliefs.com 

For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.

Date last revised: 7/10/2021

Terms & Conditions

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION, WAIVER OF JURY TRIAL & CLASS ACTION.  PLEASE REVIEW ALL PROVISIONS CONTAINED HEREIN. If you do not agree to these provisions, do not use this platform/site or services.  By accessing, browsing or using this platform/site and its services, through any direct or indirect means, or by using the goods or services provided and offered in or through this platform, by any alternative methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by this Agreement, these Services and our Privacy Policy, which is incorporated by reference.
FhaReliefs.com, an Arizona limited liability company and its affiliates and subsidiaries, (collectively “FhaReliefs.com”, “we”, “us”, “our”, or “Company”)  encourages all users of this platform and service to review this Terms of Use Agreement (“Agreement”). 
Platform/Services: This platform offers a combination of marketing and technology services which are utilized by small to large brands for marketing purposes, consent management and client acquisition/retention. (collectively “Services”)  Services through this platform/site are for the benefit of Third Parties only. This platform/service is intended for United States residents only.


You understand and agree that if you provide an inquiry for additional information on this platform, The information you provided will be purchased by the client network, affiliates and/or vendors in order to provide such services. Some business partners include companies who provide business services for us or on our behalf in order to deliver marketing services to you.
Prior to submitting your inquiry, you will give prior expressed written consent to share the information you have provided in order to receive autodialed or prerecorded calls and texts as well as emails from us and/or our client network, affiliates, and vendors to the phone numbers (including mobile numbers) and email addresses you provide to the platform.  
We will share your personal information with our network of clients including but not limited to: mortgage bankers, mortgage brokers, credit consultants, insurance brokers or any other business in our client network that may be related to the service or product you have expressed interest in, as a result, different businesses may contact you.
We do not charge you a fee to use this platform and its Services.  We are not a lender, debt service, debt settlement, real estate company, insurance agent, auto sales company, automotive warranty organization or home service provider. All requirements to qualify for financial products are made by the client network and we do not endorse, warrant, or guarantee such results. 
Licensed organizations who may contact you are subject to Federal and State laws and regulations for their practices. Please review the privacy practices of all third parties who contact you.  If you have any questions regarding their practices, please contact them directly.  
This platform/service is not intended for the use of minors. You certify to us that:   
• You are at least 18 years of age.
• You assume full responsibility for the use of this platform/service by any minors. 
• Any information you have submitted to us on this platform or otherwise, is accurate, complete and that you have not submitted or provided false information to us.   
Your use of this platform/service is subject to all applicable federal, state, and local laws and regulations.   
Prohibited Use: You shall not use this platform/service for any illegal purpose or for the transmission of any unlawful material or material that is abusive, harmful, harassing, libelous, racially or ethnically offensive, invasive of another's privacy, obscene, threatening, vulgar, sexually explicit, tortious, defamatory, or that infringes or may infringe on the intellectual property or rights of another, or in a reasonable person’s view objectionable; directly or indirectly interfere,  or attempt to interfere with the proper working of this platform system, site, or service including system integrities or securities; interference of any account, or any communication or transaction being conducted on this platform/service; the use of any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission; take any action which imposes an unreasonable or excessively large load on our infrastructure; upload, post, transmit, submit, email or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute; any conduct of fraud, representing yourself as someone else or hiding or attempt to hide your identity;  and interference or attempt to interfere with the proper working of this platform/service. 
Copyright and Trademark Notice Information: Our platform/services contains intellectual property owned by us and other parties.  As for the relationship between you and us; we are the sole owner of the platform/services and all materials on or available through our platform/services including without limitation, all applicable U.S. and non-U.S. copyrights, trademarks, patents, trade secrets, and other intellectual property rights thereto (collectively “platform/services Content”).  Except as otherwise specifically provided in this Agreement, you may not download or save a copy of the platform/services , content or any portion thereof, for any purpose; however, you may print a copy of individual screens appearing as part of the platform/services Content solely for your personal records, or non-commercial use provided that our marks, logos or other legends that appear on the copied screens remain on, and are not removed from the printed or stored images of such screens.  Except as otherwise expressly permitted herein, you may not modify, copy, publish, display, transmit, adapt or in any way exploit any portion of our platform/services content unless you first obtain prior written consent from us and from all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify our platform/services platform/services content, to overthrow or elude our security features, or to utilize our platform/services for other than its intended purposes is strictly prohibited.  
NO WARRANTY 
THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR PLATFORMS ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES INCLUDING ANY FINANCIAL PRODUCT YOU MAY CHOOSE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. 
WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES AND ANY LOAN YOU ACCEPT. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT OF OUR PLATFORM/SERVICE MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, COVERTLY INTERCEPT OR SEIZE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES. 
WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER, BROKER, INVESTOR, FINANCIAL INSTITUTION OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH PERSONS OR INSTITUTION AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, SERVICES OR LOANS PROVIDED BY SUCH SERVICE PROVIDERS. 
We are not responsible for any incorrect or inaccurate information or entry of information, whether caused by a user of our platform/services or by any of the equipment or programming associated with or utilized in connection with our platform/services or any services provided on or through this platform, or by any technical or human error which may occur in the processing of information received by us.  We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with our platform/services. We are not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer on-line systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at our platform/services or combination thereof, including injury or damage to participants or to any other person’s computer related to or resulting from use of this platform/service or the site/services content.  
RELEASE  YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE US AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS 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 EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE. 
LIMITATION OF LIABILITY AND DAMAGES
IN NO EVENT WILL WE, OUR SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE PLATFORM/SERVICES OR PLATFORM/SERVICES CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE PLATFORM/SERVICES OR THE PLATFORM/SERVICES CONTENT. YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. 
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.  ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.   
ARBITRATION AGREEMENT AND CLASS ACTION WAIVER- All parties agree that any and all disputes or claims that have arisen or may arise between you and us relating in any way to or arising out of this or previous versions of this Agreement, your use of or access to our Services, or any Product sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that if your claims are under $1000.00 you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this "Agreement to Arbitrate").  
BY ACCESSING AND/OR USING ANY OF OUR PLATFORMS OR SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE OUR PLATFORMS OR SERVICES OR SUBMIT ANY INFORMATION ON THIS PLATFORM IF YOU DO NOT AGREE TO THESE TERMS. 
THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS.  YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.  
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A DISPUTE IS ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.  
Arbitration Procedures- Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would. 
The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable. 
The arbitration will be conducted by JAMS under its rules and procedures pertaining to Consumer-Related Disputes, as modified by this Agreement to Arbitrate. The arbitration shall be held in a mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in- person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise. 
The arbitrator will decide the substance of all claims in accordance with the laws of the State of Colorado, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. 
Costs of Arbitration- Payment of all filing, administration and arbitrator fees will be governed by JAMS rules, unless otherwise stated in this Agreement to Arbitrate. You may obtain these costs through JAMS website.
Prohibition of Class and Representative Actions and Non-Individualized Relief 
YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND US AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OUR OTHER USERS.
Severability- With the exception of "Prohibition of Class and Representative Actions and Non-Individualized Relief", if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in this Agreement is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and any legal disputes section will continue to apply and that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in the County of Arapahoe, state of Colorado. 
Changes to the Agreement to Arbitrate- Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by this arbitration provision that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 3 days before the effective date of the changes and/or by email. 
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. 
Indemnification: You agree to indemnify and hold FhaReliefs.com, its subsidiaries, affiliates, agents, shareholders,  officers,  contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of this platform/Service, the violation of this Agreement by you, or the infringement by you, or other user of this platform/Service using your computer, of any intellectual property or other right of any person or entity. FhaReliefs.com and its Service providers assume no responsibility whatsoever for such content  determined, in our sole discretion, that violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate. We are not responsible for any errors or delays in providing the platform/Services whether caused by errors in the registration information you provided or any technical problems in our system.  
Termination: If you breach or violate any part of this Agreement or provisions in the Privacy Policy you may no longer use this Platform/Service. We may, in our sole discretion, terminate, change, or suspend temporarily or permanently, this Platform/Service or any part of it at any time, for any reason, without notice to you and without any liability to you or any other person. You agree that all terminations for cause shall be made in our sole discretion and shall not be liable to you or any third party for any termination. 
Entire Agreement: This Agreement constitutes the entire terms of use agreement between you and us and governs your use of this Platform/Service which supersedes any prior agreements between you and us. You also may be subject to additional terms and conditions that may apply when you use other services, affiliate services, third party content or third-party software.
Electronic Communications: When you access, use or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Revisions to Site or Terms and Policies: We reserve the right to change any information, feature or functions of our Platform/Service without prior notice. We may deny you access to the Platform/Service for any reason without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate. We are not responsible for any errors or delays in providing the Platform/Service whether caused by errors in the registration information you provided by any technical problems in our system.
We reserve the right to make changes to this Agreement and the posted Privacy Policy.  Any changes made will be effective from the date of such posting without further notice to you.  As such, the Privacy Policy and Terms of Service posted at the time you register on our platform/services will govern our relationship for that registration and inquiry request.  
Date last revised: 7/10/2021