User Agreement & Disclaimer

AGREEMENT BETWEEN REGISTRANT AND HOUSING ASSISTANCE CORPORATION

This Web site “HousingAssistance.com” is offering to you, the "Registrant" conditioned on your acceptance without modification of the terms, conditions and notices contained in this agreement. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices.

All of the information I have provided in any registration forms are true and correct. I hereby authorize Housing Assistance Corporation and its service providers or participating lenders if needed or required to check my credit history, employment history and other information. I will truthfully answer questions regarding my credit history and will provide information that may be needed to correct erroneous information knowing that the same may be forwarded to the credit bureaus on my behalf. I understand that Housing Assistance Corporation its service providers or participating lenders will retain the information collected on the on-line registration form. I acknowledge that this is NOT an application for credit. I understand that if I complete a form it is a registration for services or a program. I understand that I may be required to complete additional forms or applications by the participating service providers or a residential loan mortgage application (1003), which will be forwarded to me by a participating lender to complete, before I can officially make a mortgage loan application.

LOAN ORIGINATION SERVICES

Housing Assistance Corporations participating lenders are direct lenders and do make loans and credit decisions in connection with loans. Housing Assistance Corporations participating lenders provide loan services and will make suggestions as to what loan program will best fit your needs. These suggestions are “opinions” and should be used for administrative and consultative only. You should rely on your own judgment in deciding which available loan product will best suit your needs and financial abilities. Housing Assistance Corporation will not be liable for any damages, or costs of any type, arising out of, or in any way connected, with your use of their services. Housing Assistance Corporations web-site and the services provided by Housing Assistance Corporation are available only in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified to citizens and residents of the United States. Mortgage loans may only be made to residents of, or secured by real property located in the states where Housing Assistance Corporations participating lenders are licensed or authorized to make such mortgage loans. Housing Assistance Corporations participating lenders are not attempting to make loans outside of their authorized states or country by participating in our program. Housing Assistance Corporations participating lenders expressly reserve the right to discontinue, suspend or terminate the offering of any mortgage loan product in any specific state through this Web site. Housing Assistance Corporation does not guarantee acceptance into any particular loan program or specific loan terms or conditions. Mortgage loan approval standards are established and maintained solely by mortgage investors and are subject to change without notice. Likewise, Housing Assistance Corporation does not guarantee that the loan terms or rates offered and made available by the participating lenders on this web site are the best terms or lowest rates available in the market place. Unless expressly stated in writing nothing contained herein shall constitute an offer or promise for a mortgage loan commitment or interest rate lock-in agreement.

SERVICE PROVIDERS

Housing Assistance Corporations participating service providers provide goods or services and will make suggestions as to what they offer to best fit your needs. These suggestions are “opinions” and should be used for administrative and consultative purposes only. You should rely on your own judgment in deciding which available product or service will best suit your needs and financial abilities. Housing Assistance Corporation will not be liable for any damages, or costs of any type, arising out of or in any way connected, with your use of their services. Housing Assistance Corporations web-site and the services provided are available only in all fifty states and the District of Columbia unless otherwise specified to citizens and residents of the United States. Housing Assistance Corporations and its participating service providers expressly reserve the right to discontinue suspend or terminate the offering of any goods or services in any specific state through this Web site.

DISCLAIMERS

Housing Assistance Corporation intends that the information contained in this Web site be accurate and reliable; however, errors sometimes occur. In addition, Housing Assistance Corporation may make changes and improvements to the information provided herein at any time.

THIS WEB-SITE AND THE INFORMATION, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." HOUSING ASSISTANCE CORPORATION AND/OR ITS’ SERVICE PROVIDERS OR PARTICIPATING LENDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE IS AT YOUR OWN RISK. HOUSING ASSISTANCE CORPORATION AND/OR ITS SERVICE PROVIDERS OR PARTICIPATING LENDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART. FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF HOUSING ASSISTANCE CORPORATION AND/OR ITS SERVICE PROVIDERS OR PARTICIPATING LENDERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNITY

As a condition of use of this web site, you agree to indemnify Housing Assistance Corporation and its service providers or participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement. Housing Assistance Corporation is not responsible for any errors or delays in responding to a registration form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

GENERAL

This agreement shall be subject to and construed in accordance with the laws of the State of Nevada, excluding its conflict of law principles. You hereby consent to the exclusive jurisdiction mid venue of courts in Clark County, Nevada, USA, in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. This agreement constitutes the entire agreement between you and Housing Assistance Corporation and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Housing Assistance Corporation with respect to this web site and information, products and services associated with it. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, file warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

COPYRIGHT AND TRADEMARK NOTICES

All contents of this Web site are: Copyright © 2012 Housing Assistance Corporation, Inc. and/or its service providers or participating lenders, 1324 South Eastern Ave., Suite 102, Las Vegas, Nevada 89104, USA, All rights reserved. HousingAssistance.com is a service mark of Housing Assistance Corporation any other products and company names mentioned herein, including the names of any affiliates, service providers or participating lenders or other companies may be the trademarks of their respective owners.

PLEASE PRINT A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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