Society For The Preservation of
Continued Homeownership, a/k/a
S.P.O.C.H. specifically
disclaims any liability for any loss or risk incurred consequential to the application of any technique or strategy outlined
herein. All financial and legal decisions made by the reader should be reviewed by the reader's attorney and/or tax advisor
prior to the application of any technique or strategy outlined herein.
NONPROFIT WEBSITE & Public Message Board
Terms and Conditions
The Society For The Preservation of Continued Homeownership, a New Jersey
Nonprofit, 501(c)(3) Corporation, hereafter "the NONPROFIT", owns and operates this website whose URL address is
www.SPOCH.org, hereafter, "this site," or "our site." Please read these terms and conditions carefully
before using our site. By using this site, you automatically agree to all of these terms of use. The NONPROFIT may revise
these terms from time to time. If you continue to use our site after we post changes to these terms and conditions, it will
mean that you accept those changes.
Use of Materials
on this Site
The NONPROFIT maintains this site for your personal information, education, and communication. Please
feel free to browse our site. All materials on our site, including but not limited to artwork, photographs, graphics, audio
clips, video clips, text and trademarks, are the sole property of the NONPROFIT or its licensors. The exclusive rights to
all materials on this site are protected by U.S. and international laws of copyright, trademark and unfair competition.
You may not copy, reproduce, distribute, modify, display, prepare derivative works based on, republish, transmit, repost
or otherwise use the content of our site, without prior written authorization from the NONPROFIT. To request such permission,
contact the Executive Director whose Email address is: NJDave@SPOCH.org. In no event may the NONPROFIT trademarks, symbols,
artwork or other visual or audio elements be reproduced separately from the textual content associated with them on the site.
Security
This site has security measures in place to protect the loss, misuse and alteration of the information
under our control. However, your confidential use of this site cannot be guaranteed by the NONPROFIT. The NONPROFIT shall
not be responsible for any harm that you or any person may suffer as the result of a breach of confidentiality with respect
to information you transmitted to the site.
Posted Materials
The information and opinions expressed
in materials posted by visitors on the chat areas, bulletin boards, lists or other venues connected with our site (collectively,
"forums") are not necessarily those of the NONPROFIT or its affiliates and the NONPROFIT makes no representations
or warranties regarding such posted materials. Users should be aware that our forums are public, not private communications.
When you voluntarily disclose personal information on our forums, that information can be collected and used by others and
may result in unsolicited messages from other people. You shall not submit, upload or post to our forums any content which
(1) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening; (2) infringes any intellectual
property or other right of any person or entity, including but not limited to, violating anyone's copyrights or trademarks;
(3) falsifies or deletes author attributions, legal notices or other proprietary designations; (4) violates any law; (5) advocates
illegal activity; (6) contains viruses, corrupted files, or other materials that may cause damage to another's computer,
or (7) advertises or otherwise solicits funds or sales of goods or services. By posting any content on our forums, you automatically
agree to indemnify the NONPROFIT from and against any and all third party claims, demands, liabilities, costs or expenses,
including reasonable attorneys' fees, resulting from your breach of these posting restrictions. By posting any content
on our forums, you automatically grant to the NONPROFIT a perpetual, royalty-free, irrevocable and unrestricted worldwide
right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute the posted
content or incorporate the posted content into any form, medium, or technology now known or later developed for any purpose,
including advertising and promotion, and you automatically waive all "moral rights" with respect to the posted content.
Outside Links
The NONPROFIT has not reviewed all of the sites linked to this site and is not responsible
for the privacy practices or the content of any off-site pages or any other sites linked to this site, whether or not they
are affiliated with the NONPROFIT. Such linked sites are for your convenience only and you access them at your own risk. The
NONPROFIT makes no representations or warranties as to the accuracy or functioning of any such link. That another web site
is linked to our site does not constitute endorsement by the NONPROFIT of the owner of the other site, the content of its
site, or its products or services.
Privacy
a. Normal website usage:
The NONPROFIT has a
firm commitment to internet privacy. You can visit most portions of checnet.org without telling us who you are and without
revealing any personal information. The only information we collect from a normal web site visit is the name of your internet
service provider, the browser and type of machine you are using, the web site that referred you to us, the pages you request
and the date and time you request them. We use this information to generate statistics and measure site activity to improve
the usefulness of the site to our visitors.
b. Collection of personally identifiable information:
The
NONPROFIT may collect email addresses and other personally identifiable data about visitors when such data is voluntarily
submitted to checnet.org. For example, our site uses order forms for visitors to request information, products, and services,
or to become a member. Contact information from the order form is used to send orders and information about the NONPROFIT
to our visitors.
c. The NONPROFIT makes every effort to ensure the secure collection and transmission of sensitive
user information using industry accepted data collection and encryption methodologies.
d. The NONPROFIT does not
sell or otherwise disclose such user information outside the organization. However, if you become a member of the NONPROFIT,
some information on our membership lists, such as your name and address, may be exchanged with other organizations. Members
may opt-out of such membership list exchanges by sending a message to the Executive Director whose Email address is: NJDave@SPOCH.org.
e. Cookies:
Like most websites, the NONPROFIT may place a "cookie," or small file, in the browser
files of a visitor's computer. We use cookies to save information you give us so you don't have to re-enter it each
time you visit our site. This allows us to personalize the site to your taste and provide the best web experience possible
to our visitors.
f. Special Notification with Respect to Children's Privacy (Users under age of 13). In response
to concerns about protecting children's privacy online, Congress enacted the Children's Online Privacy Protection
Act of 1998 ("COPPA"), which sets forth rules and procedures governing the ways in which Web sites may collect,
use and disclose any personal information for children under the age of 13. In accordance with COPPA regulations, we DO NOT:
1. Request or knowingly collect personally identifiable online or offline contact information from users under
13 years of age;
2. Knowingly use or share personal information from users under 13 years of age with third parties;
3. Give children the ability to publicly post or otherwise distribute personally identifiable contact information;
4. Entice children with the prospect of a special game, prize or other activity to divulge more information than is
needed to participate in the activity.
Questions regarding children's privacy should be directed to: Executive Director
whose Email address is: NJDave@SPOCH.org
Limitations on the NONPROFIT's Liability
The materials
on this site are provided solely for educational and promotional purposes. Your use and browsing of this site is at your own
risk. The materials could include technical inaccuracies or other errors. They are provided to you "as is" without
warranty of any kind, either express or implied, including but not limited to, implied warranties of merchantability and fitness
for a particular purpose. The NONPROFIT does not warrant that the functions contained in checnet.org materials will be uninterrupted
or error-free, that defects will be corrected, or that our site or the server that makes it available are free of viruses
or other harmful components. The NONPROFIT does not warrant or make any representations regarding the use or the results of
the use of the materials on our site in terms of their correctness, accuracy, reliability, or otherwise. You (and not the
NONPROFIT) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion
of implied warranties, so the above exclusion may not apply to you.
Under no circumstances, including, but not
limited to, negligence, shall the NONPROFIT be liable for any special or consequential damages that result from the use of,
or inability to use, the materials on our site, even if the NONPROFIT or a NONPROFIT-authorized representative has been advised
of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or
consequential damages, so the above limitation may not apply to you. In no event shall the NONPROFIT's total liability
to you for all damages, losses, and causes of action, including but not limited to negligence, arising out of our in connection
with your use of this site, exceed the amount paid by you, if any, for accessing this site.
General Provisions
The materials on SPOCH.org are presented solely for promotional purposes in the United States and Canada. This site
is operated under the supervision of the NONPROFIT from its offices within the state of New Jersey. NONPROFIT products are
available in many parts of the world. However, our site may describe products that are not available worldwide. The NONPROFIT
does not warrant or represent that materials on our site are appropriate or available for use in other locations. If you choose
to access our site from other locations, you do so at your own initiative and you are responsible for complying with local
laws, if and to the extent local laws are applicable. You may not download or otherwise export or re-export software from
our site in violation of United States export controls. These terms shall be governed by and construed according to the laws
of the state of New Jersey, as they are applied to agreements entered into and to be performed entirely within New Jersey.
Any claim or cause of action arising out of or relating to these terms shall be barred unless such claim or cause of action
is
Limitations on the NONPROFIT's Liability
The materials on this site are provided
solely for educational and promotional purposes. Your use and browsing of this site is at your own risk. The materials could
include technical inaccuracies or other errors. They are provided to you "as is" without warranty of any kind, either
express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose.
The NONPROFIT does not warrant that the functions contained in checnet.org materials will be uninterrupted or error-free,
that defects will be corrected, or that our site or the server that makes it available are free of viruses or other harmful
components. The NONPROFIT does not warrant or make any representations regarding the use or the results of the use of the
materials on our site in terms of their correctness, accuracy, reliability, or otherwise. You (and not the NONPROFIT) assume
the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties,
so the above exclusion may not apply to you.
Under no circumstances, including, but not limited to, negligence,
shall the NONPROFIT be liable for any special or consequential damages that result from the use of, or inability to use, the
materials on our site, even if the NONPROFIT or a NONPROFIT-authorized representative has been advised of the possibility
of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages,
so the above limitation may not apply to you. In no event shall the NONPROFIT's total liability to you for all damages,
losses, and causes of action, including but not limited to negligence, arising out of our in connection with your use of this
site, exceed the amount paid by you, if any, for accessing this site.
The materials on thsi site are presented
solely for promotional purposes in the United States and Canada. This site is operated under the supervision of the NONPROFIT
from its offices within the state of New Jersey. NONPROFIT products are available in many parts of the world. However, our
site may describe products that are not available worldwide. The NONPROFIT does not warrant or represent that materials on
our site are appropriate or available for use in other locations. If you choose to access our site from other locations, you
do so at your own initiative and you are responsible for complying with local laws, if and to the extent local laws are applicable.
You may not download or otherwise export or re-export software from our site in violation of United States export controls.
These terms shall be governed by and construed according to the laws of the state of New Jersey, as they are applied
to agreements entered into and to be performed entirely within New Jersey. Any claim or cause of action arising out of or
relating to these terms shall be barred unless such claim or cause of action is brought only in the state or federal courts
in the District of New Jersey, and you consent to jurisdiction of such courts for the purpose of litigating such actions.
Whenever possible, each provision of these terms shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision is deemed prohibited or invalid under applicable law, such provision shall be ineffective
to the extent of such prohibition or invalidity without invalidating the remainder of such provision or the remaining provisions
of these terms.
The NONPROFIT reserves the right to remove for any reason posted materials from our forums, and
the right to deny in its sole discretion any user access to our site or our forums, without notice.
This is the
entire agreement between us relating to your use of this site. These terms may not be modified by you, in writing or otherwise,
unless agreed to in a written document signed by the NONPROFIT.
