Terms of Use

Last updated: February 24, 2022

1. OVERVIEW

These Terms of Use (also referred to as the “Agreement”) are the terms and conditions of a legal contract agreement between you and the Nevada Affordable Housing Assistance Corporation (referred to herein as “NAHAC”, “we,” “us,” and “our”). By accessing, browsing and/or using this website (“Site“), You acknowledge that You have read, understood, and agree to be bound, by this Agreement, and that You will comply with all applicable U.S., foreign and international laws and regulations, limited to U.S. export and re-export control laws and regulations and U.S. and international Copyright laws. If you do not agree to the terms and conditions of this Agreement, you are prohibited from using the Site and must immediately cease Accessing and using the Site.

NAHAC may modify this Agreement at any time, and such modifications shall be effective immediately upon either posting of the modified agreement or notifying you. You agree to review the Agreement periodically to be aware of such modifications and your continued Access of the Site shall be deemed your conclusive acceptance of the modified agreement and all terms and conditions therein.

This Site is not targeted towards, nor intended for use by, anyone under the age of 18. By using the Site, you represent and warrant that you are 18 years of age or older. If you are not at least 18 years of age, do not access, use or register for an account on the Site. You also represent and warrant that you (a) have not previously been suspended or removed from the Site; and (b) that you have full power and authority to agree to all terms and conditions of this Agreement, and in doing so will not violate any other agreement to which you are a party.

This Site is controlled and operated by NAHAC from its offices within the State of Nevada in the United States. NAHAC makes no representation that materials in the Site are appropriate or available for use in other locations, and access to the materials from territories where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

2. DEFINITIONS

“Access” or “Accessing” means accessing, using, viewing the content or otherwise obtaining information on, the Site.

“Agreement” or “Terms” refers to these Terms of Use and any subsequent modifications.

“Service” or “Services” refers to programs and benefits offered by NAHAC, including but not limited to determining eligibility for, and/or providing assistance from, the Nevada Homeowner Assistance Fund

“User” refers to any person or entity that Accesses the Site. If You are Accessing the Site on your own behalf or as an employee or agent of another, “User” refers to You and Your employer or principal.

“You” or “Your” refers to the User. If You are Accessing the Site on your own behalf or as an employee or agent of another, “You” or “Your” refers to the User and the User’s employer or principal.

3. MODIFICATIONS OF TERMS

NAHAC reserves the right, at any time and without prior notice, to modify, alter or update the terms and conditions of this Agreement. Modifications shall become effective immediately upon being posted at the Site. Except as provided for in this paragraph, this Agreement may not be modified or amended.

4. USER LICENSE

  • 4.1 NAHAC grants to the User a limited, non-exclusive, non-sublicensable, non-transferable and revocable license to Access the Site subject to the terms and conditions in this Agreement. You may temporarily download one copy of the materials on the Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title or ownership.
  • 4.2 Access and Use of this Site is subject to all applicable international, federal, state and local laws and regulations.   Copyright laws protect all information and content in this Site. Unless expressly permitted, Users of the Site are prohibited from modifying, copying, displaying, distributing or transmitting, selling, licensing, or creating derivative works from any content in this Site.
  • 4.3 User expressly agrees to refrain from doing, either personally or through an agent, any of the “Prohibited Conduct” listed below. NAHAC may monitor use of the Site and may revoke or deny Access to the Site or Service to any person or entity whose use of the Site or Service indicates Prohibited Conduct. Access of the materials available at the Site beyond that of normal patterns of use that suggests systematic copying of the materials constitutes abuse of the Site or Service and will result in revocation or denial of Access to the Site and Service. The terms “normal patterns” and “abuse” shall be solely determined by NAHAC.

    The following are nonlimiting examples of Prohibited Conduct:

    • Transmit, install, upload or otherwise transfer any virus, advertisement, communication, or other item or process to the Site that in any way affects the use, enjoyment or service of the Site or adversely affects NAHAC’s computers, servers or databases.
    • Capture, download, save, upload, print or otherwise retain information and content available on the Site other than what is expressly allowed by these Terms.
    • Copy, modify, reverse engineer, disassemble, decompile, redistribute, republish, alter, create derivative works from, assign, license, transfer or adapt any of the software, information, text, graphics, source code or HTML code, or other content available on the Site.
    • Remove or modify any copyright, trademark, legal notices, or other proprietary notations from the content available on the Site.
    • Transfer the Site content to another person, “frame,” “mirror,” “in-line link,” or employ similar navigational technology to the Site content, or “deep link” to the Site content.
    • Violate or attempt to violate NAHAC’s security mechanisms, access any data or server You are not authorized to access, or otherwise breach the security of the Site or corrupt the Site in any way.
    • Engage in any other conduct which violates the Copyright Act or other laws of the United States or other countries, including any U.S., foreign or international software or technology export laws and regulations, including without limitation the U.S. Export Administration Regulations.
    • Use any device (such as a “web crawler” or other automatic retrieval mechanism) or other means to harvest information about other Users, the Site or NAHAC.
    • Use the Site to violate a third party’s intellectual property, personality, publicity or confidentiality rights; upload, download, display, publish, perform, create derivative works from, transmit, or otherwise distribute information or content in violation of a third party’s intellectual property rights.
    • Misrepresent Your identity or personal information when Accessing the Site, or forge any TCP/IP packet header or any part of the header information in any e-mail so that the e-mail appears to be generated by NAHAC or any other entity or person.
    • Post obscene, harassing, defamatory, filthy, violent, pornographic, abusive, threatening, objectionable or illegal material on the Site, or post a communication that advocates or encourages criminal conduct or conduct that may give rise to civil liability.
  • 4.4 The license granted pursuant to this Agreement:
    • (a) Shall immediately and automatically terminate without notice if you violate or attempt to violate this Agreement; and
    • (b) May be terminated by NAHAC at any time and without notice for any reason or no reason.

5. WARRANTIES AND LIMITATIONS OF LIABILITY

  • 5.1 All information and materials on the Site are provided “as is”, and NAHAC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, NAHAC does not warrant or make any representations concerning the accuracy, completeness, likely results, or reliability of the use of the materials on its Site or otherwise relating to such materials or on any sites linked to this Site. NAHAC may make changes to the materials contained on the Site at any time without notice. NAHAC does not, however, make any commitment to update the materials.
  • 5.2 In no event shall NAHAC be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the Site, even if NAHAC or its authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

DIRECT OR INDIRECT LINKS TO OTHER SITES

The inclusion of any link does not imply endorsement by NAHAC. Use of any such linked sites is at the User’s own risk. Because third-party sites are owned and operated independently, NAHAC is not responsible or liable for the practices, actions or policies of these third-party sites even if the NAHAC Site contains a link to the third-party site(s). Any time you elect to leave our Site to visit a third-party site, we are not responsible or otherwise liable for any issues or damage that you may incur, and you are solely responsible for complying with the terms and conditions of the third-party site(s).

SOCIAL MEDIA; IDEA SUBMISSIONS.

NAHAC maintains and interacts with various social media sites, including but not limited to Facebook and Twitter. These social media sites include but are not limited to various blogs, bulletin boards, networks, multi-media and news media sites or other user generated content sites (“NAHAC Social Media Sites”). By accessing, viewing and/or posting any content to any NAHAC Social Media Sites on the internet, you accept, without limitation or qualification, the complete terms of use for those sites. NAHAC does not and cannot review all communications and materials posted or uploaded to the Site and/or the NAHAC Social Media Sites, and NAHAC is not responsible for the comments and postings therein and reserves the right to monitor, prohibit, restrict, block, suspend, terminate, delete, or discontinue your access to any NAHAC Social Media Site, at any time, without notice and for any reason and in its sole discretion.

You agree to grant to, and hereby grant to, NAHAC a non-exclusive, worldwide, royalty-free, perpetual license, with the right to sublicense, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products or services) you submit to or via NAHAC Social Media Sites or to or via public areas of the Site (such as bulletin boards, forums and chat rooms) by all means and in any media now known or hereafter developed. You agree that you shall have no recourse against NAHAC for any alleged or actual infringement or misappropriation of any proprietary right in your communication to us.

NOTICE OF COPYRIGHT INFRINGEMENT

If you are a copyright owner or an agent thereof and believe that any content on this Site infringes upon your copyrights, you may notify NAHAC by providing the following information in writing:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive copyright right that is allegedly infringed;
  • Identification of the location where the original or an authorized copy of the copyrighted work exists;
  • Identification of the material that is claimed to be infringing and a description of the infringing activity and information reasonably sufficient to permit NAHAC to locate the same;
  • Information reasonably sufficient to permit NAHAC to contact you, such as an address, telephone number, and, if available, an email address;
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive copyright right that is allegedly infringed.

Our agent for notice of claims of copyright infringement can be reached as follows:

Nevada Affordable Housing Assistance Corporation
P.O. Box 15142
Las Vegas, NV 89114
Attention: Verise V. Campbell, CEO/COO
TEL: 888-320-6526
Email: vcampbell@nahac.org

9. INDEMNIFICATION

You agree to indemnify, defend and hold harmless NAHAC, its officers, directors, employees, agents, licensors, suppliers, licensors, subsidiaries, successors, assigns and affiliates (collectively the “Indemnified Parties“) from and against any claim or demand and all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement or any activity related to your Use of the Site (including but not limited to negligent or wrongful conduct or violation of any intellectual property right of any person or entity).

10. DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the State of Nevada, U.S.A.

You agree that any claim, dispute or controversy (whether in contract, tort, or otherwise, whether pre-existing, present or future, and including statutory, common law, intentional tort and equitable claims) (“Dispute”) against NAHAC, its officers, directors, employees, agents, licensors, suppliers, successors, assigns or affiliates (collectively for purposes of this paragraph, “NAHAC Corp.“) arising from or relating to this Agreement, its interpretation, or the breach, termination or validity thereof, the relationships which result from this Agreement (including, to the full extent permitted by applicable law, relationships with third parties who are not signatories to this Agreement), NAHAC Corp.’s advertising, any related purchase, including the validity of this arbitration clause, unless resolved in writing by negotiation or mediation, shall be resolved exclusively and finally by binding arbitration before a single arbitrator in Las Vegas, Nevada U.S.A., in accordance with the then-prevailing Commercial Arbitration Rules of the American Arbitration Association (“AAA”). No party may commence arbitration with respect to any Dispute unless that party has pursued negotiation and, if requested, mediation, provided, however, that no party shall be obligated to continue to participate in negotiation or mediation if the parties have not resolved the Dispute in writing within sixty (60) business days after a notice of dispute was provided to any party or such longer period as may be agreed by the parties in writing. Unless otherwise agreed by the parties, the mediator shall be disqualified from serving as arbitrator in the case. Notwithstanding any contrary rules promulgated by the AAA, the following shall apply to all Arbitration actions:

The Federal Rules of Evidence shall apply in all cases;

The parties shall be entitled to all discovery rights permitted by the Federal Rules of Civil Procedure;

The parties shall be entitled to bring motions under Rules 12 and/or 56 of the Federal Rules of Civil Procedure;

The arbitration shall occur within one hundred-twenty (120) days from the date on which the arbitrator is appointed, and shall last no more than five (5) business days;

The parties shall be allotted equal time to present their respective cases, including cross-examinations.

The arbitrator shall not have the power to alter, modify, amend, add to or subtract from any provision of the Policy, or to rule upon or grant any extension, renewal or continuance of the Policy. Moreover, the arbitrator shall not have the power to award special, incidental, indirect, punitive, exemplary, or consequential damages of any kind or nature, however caused.

All communications, whether verbal, written or electronic, in any negotiation, mediation or arbitration action shall be treated as confidential and those made in the course of negotiation or mediation, including any offer, promise or other statement, whether made by any of the parties, their agents, employees, experts, or attorneys, or by the mediator or any AAA employee or contractor, shall also be treated as compromise and settlement negotiations for purposes of applicable rules of evidence and shall be inadmissible for any purpose, including impeachment, in any arbitration or other proceeding involving the parties, provided that evidence that is otherwise admissible or discoverable shall not be rendered inadmissible or non-discoverable as a result of its use in negotiation or mediation.

The costs of negotiation, mediation, and arbitration, including fees and expenses of any mediator, arbitrator, the AAA, or other persons independent of all parties acting with the consent of the parties to facilitate settlement, shall be shared in equal measure by the User of the Site, on the one hand, and NAHAC and any Related Parties involved, on the other. The parties shall bear their own legal fees and expenses of negotiation, mediation and arbitration.

Although the Agreement is made and entered into between a User of the Site and NAHAC, NAHAC’s affiliates, owners, members, managers and employees (“Related Parties”) are intended third-party beneficiaries of the Agreement, including this agreement to negotiate, mediate and arbitrate. The parties acknowledge that nothing in these policies is intended to create any involvement by, responsibility of, or liability of the Related Parties with respect to any dealings between a User of the Site and NAHAC, and the parties further acknowledge that no provision of the Agreement shall be argued by any party to constitute any waiver by the Related Parties of any defense which the Related Parties may otherwise have concerning whether they can properly be made a party to any dispute between a User of the Site and NAHAC.

Any party may seek specific performance of this Section, and any party may seek to compel each other party to comply with the provisions of this Section by petition to a court of competent jurisdiction in the State of Nevada. The pendency of a mediation shall not preclude a party from seeking provisional remedies in aid of the arbitration from a court of appropriate jurisdiction in the State of Nevada, and the parties agree not to defend against any application for provisional relief on the ground that a mediation is pending. The prevailing party in any proceeding enforcing the provisions of this Section shall be entitled to recover from the other party the reasonable attorneys’ fees and costs incurred by the petitioning party in obtaining the requested relief. If any portion of this Section is held to be unenforceable for any reason, the remainder shall remain in full force and effect.

Nothing in this Section shall preclude any party from seeking interim or provisional relief concerning the Dispute, including a temporary restraining order, a temporary or preliminary injunction, or an order of attachment, either prior to or during negotiation, mediation or arbitration.

11. CLASS ACTION WAIVER

You understand and agree that You will waive your right to have any dispute or claim brought, heard or arbitrated as a class action, collective action or representative action (the “Class Action Waiver”). Notwithstanding any other clause contained in this Agreement or the rules of the AAA, any claim that all or part of this Class Action Waiver is invalid, unenforceable, unconscionable, void or voidable must be determined only by a court of competent jurisdiction and may not be determined by an arbitrator.

12. MISCELLANEOUS PROVISIONS

  • 12.1 Period of Limitation.Should you bring a claim against NAHAC for any alleged act or omission of NAHAC relating to or arising from this Agreement, such action must be brought within one (1) year from the date of the alleged conduct giving rise to the cause of action. Failure to bring such action within such time shall bar all claims against NAHAC for such act or omission. You hereby relinquish and waive all claims permissible by any other applicable statutes of limitation.
  • 12.2 Waiver.The failure of NAHAC to partially or fully exercise any rights or remedies that may be available to it, or the waiver of any breach of this Agreement by You shall not prevent a subsequent exercise of such rights by NAHAC and shall not be deemed a waiver by NAHAC of any subsequent breach by You of the same or any other provision of this Agreement. NAHAC’s rights and remedies under this Agreement and any other applicable agreement between you and NAHAC shall be cumulative, and the exercise of any such right or remedy shall not limit NAHAC’s ability to exercise a different or additional right or remedy.
  • 12.3 Entire Agreement.This Agreement constitutes the entire agreement of the parties with respect to this subject matter and Your use of the Site. There are no verbal or written collateral representations, agreements or understandings relevant to this subject matter except as specifically set forth in this Agreement.
  • 12.4 Survival.If any provision of this Agreement in its current form or as may be amended is found to be invalid or unenforceable for any reason, only the invalid portion of the provision shall be severed and the remaining terms, conditions and provisions of the Agreement shall remain in full force and effect. The severed provision, or portion thereof, shall be reformed to reflect the purpose of the provision as closely as possible.
  • 12.5 Survivability.The provisions of paragraphs 4.3 (Prohibited Conduct), 5 (Warranties, Limitations of Liability), 6 (Links to Other Sites), 7 (Social Media; Idea Submissions), 8 (Copyright Infringement Notice), 9 (Indemnification), 10 (Dispute Resolution), 11 (Class Action Waiver) and 12 (Misc.) shall survive termination or expiration, if any, of this Agreement.