WEBSITE TERMS AND CONDITIONS OF USE

THIS SITE AND RELATED SERVICES ARE PROVIDED SUBJECT TO YOUR COMPLIANCE WITH THE TERMS AND CONDITIONS SET FORTH BELOW. PLEASE READ THE FOLLOWING INFORMATION CAREFULLY. YOUR CONTINUED USE OF THIS SITE WILL INDICATE YOUR AGREEMENT TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, PROMPTLY EXIT THIS SITE.

1. Restrictions on Use
   
   All pages within this Website and any material made available for download (collectively the "Site") are the property of CheapHousePayments.com Inc (a Idaho corporation whose headquarters are in Boise, ID) and/or its affiliates (hereafter “CHP”). The Site is protected by federal and international copyright and/or trademark laws. No portion of the materials on these pages may be reprinted, republished, modified, or distributed in any form without the express written permission of CHP. This site is for your own personal use or the internal use of your business. You shall keep intact any proprietary notices, including copyright notices, contained on any downloaded materials and shall comply with any applicable agreements made between you and CHP.
   
   Any rights not expressly granted by these Terms and Conditions or any applicable agreement between you and CHP specifically are reserved by CHP.
   
   
2. Trademark Notice
   
   The CHP name and all logos associated therewith are the logos, trademarks, and service marks of CHP. All other trademarks, service marks and logos used in this Site are the trademarks, service marks or logos of their respective owners.
   
   
3. Warranty Disclaimer
   
   THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SITE-RELATED SERVICE, IS PROVIDED "AS IS", WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE, SITE-RELATED SERVICES, AND WEBSITES HYPERLINKED HEREIN TO THE FULLEST EXTENT ALLOWED BY LAW.
   
   CHP, ITS AFFILIATES AND ITS SPONSORS ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, SITE-RELATED SERVICES, CONTENT OR INFORMATION CONTAINED WITHIN THE SITE. CHP, ITS AFFILIATES AND ITS SPONSORS ALSO ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE VIEWING, USE OR OTHER RELIANCE UPON ANY WEBSITES HYPERLINKED HEREIN. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SITE-RELATED SERVICES, AND/OR ANY WEBSITES HYPERLINKED HEREIN IS TO STOP USING THIS SITE, SITE-RELATED SERVICES OR WEBSITES HYPERLINKED HEREIN.
   
   Although CHP attempts to ensure the integrity and accurateness of this Site, it makes no guarantees whatsoever as to the correctness or accuracy of this Site or any of the contents herein. Although reasonable efforts are made to avoid it, it is possible that this Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made by third parties. In the event that an inaccuracy arises, please inform CHP so that it can be corrected. Information contained on the Site may be changed or updated without notice.
   
   
4. Confidential and Proprietary Information
   
   CHP does not want to receive confidential or proprietary information from you through the Site until you’re ready to complete a transaction, which may require one or more written agreements. Please note that any information or material sent to CHP through the Site will be deemed confidential only as set forth herein. CHP will never sell, rent or otherwise release your confidential financial information (such as credit card or bank account information) except without your consent or as required by law. CHP may provide your name and other contact information (such as email address, mailing address or telephone numbers) to other merchants and cooperating members as a way to provide you with additional savings or to introduce you to money-saving offers. You hereby grant CHP an unrestricted, irrevocable, world-wide, royalty free license to use, reproduce, display, perform, modify, transmit, and distribute your contact information sent to CHP, and you also agree that CHP is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose.
   
   Please review the Privacy Policy on the Site as well, which is incorporated herein and deemed a material part of these Terms and Conditions.
   
   
5. Links or Pointers to Other Sites
   
   CHP makes no representations whatsoever about any other Website that you may access though this Site. When you access a non-CHP Website, please understand that it is independent from CHP, and that CHP has no control over the content on that Website. In addition, a hyperlink to a non-CHP Website does not mean that CHP endorses or accepts any responsibility for the content, or the use, of the linked site or that any linked site will be free of such items as viruses, worms, trojan horses, and other items of a destructive nature.
   
   
6. Compliance with Applicable Law
   
   CHP is not acting as a mortgage lender, real estate salesperson or attorney at law. The goal of CHP is to save buyers of real property money and allow such buyers to purchase a home or other property with low monthly payments for the first 18-24 months. CHP provides a program whereby you (buyer) can experience significant savings with your residential, vacation or investment property purchase. While CHP intends to comply with all applicable federal, state and local laws, CHP is not your lender, your real estate agent or your attorney, and therefore you must make sure you and those working on your behalf are in compliance with all applicable federal, state and local laws. As with any significant investment, you should consult with your attorney and/or tax advisor before proceeding.
   
   
7. Choice of Law and Venue
   
   These Terms and Conditions are entered into in the State of Idaho and shall be governed by and construed in accordance with the laws of the State of Idaho, exclusive of its choice of law rules. Each party to these Terms and Conditions submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Ada in the State of Idaho, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce these Terms and Conditions, the prevailing party will be entitled to costs and attorney fees. In the event that any of these Terms and Conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, those provisions shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect.
   
   
8. Entire Agreement
   
   These Terms and Conditions constitute the entire agreement between CHP and you pertaining to the subject matter of this Agreement. If you obtain additional services from CHP or any of the merchants associated with CHP (including enrollment as a member of CHP’s website), you may have to enter into additional written contracts. You also may have to execute contracts with third parties, such as a real estate purchase agreement, a promissory note and deed of trust or mortgage, a construction contract and/or possibly others. Any subsequent written agreements between you and CHP which modify these Terms and Conditions shall be controlling but only to the extent of such modifications.
   
   In its sole discretion, CHP may modify these Terms and Conditions by posting the revised Terms and Conditions on this Site, which shall be effective as of the date so published.
   
   
9. No Unlawful or Prohibited Purpose
   
   As a condition of your use of this Site, you warrant to CHP that you will not use the Site for any purpose that is unlawful or prohibited by these Terms and Conditions or any other written agreement between CHP and you.
   
   As part of CHP’s payment assistance program, CHP collects a certain amount of money from a willing property seller who agrees to sell their property at its fair market price less the amount paid to CHP. CHP uses most of the money collected from the seller to create the payment assistance fund. The balance of the money collected is used for administrative and other related expenses. With CHP’s help, buyers can purchase property with significantly reduced monthly payments for the first eighteen to twenty four months, all at no additional cost to the buyer. CHP does not promote or condone property sellers increasing the sales price above the fair market price in order to recover the money paid to CHP (and the nature of the competitive real estate market generally will not allow this to happen), but CHP does not engage its own appraisers or otherwise evaluate the selling price of any property. Buyers must arrange their own financing through a lender or broker who has enrolled as a CHP cooperating member to participate in the payment assistance program and must follow all lender or broker guidelines including full disclosure of the payment assistance program. CHP retains the right to refuse any transaction where lender or broker guidelines are not followed and/or full disclosure of the program is not given.
   
   Buyers are free to purchase any property advertised on the CHP website, but can only benefit from CHP’s Payment Assistance Program™ and associated discounts (such as the price or payment advertised on the CHP website) by taking advantage of financing through a CHP-cooperating licensed mortgage broker or lender, title or escrow company, and builder or seller.