Agreement and Terms

 

These Terms of Use (“Terms”) describe the rules for using ORO Impact Inc.’s (also “the Company,” “we,” or “us”) online and mobile websites, platforms, services and applications (“Online Services”).  Please read these Terms carefully before using this website. The Online Services are intended for a United States audience. If you live outside the U.S., you may see content on the Online Services about products or services that are not available or authorized in your country.

 

By using the Online Services, you agree to these Terms and our Privacy Policy. We may amend all or any part of these Terms at any time, and such changes will be posted on the Online Services with the date of the last revision listed as the “Effective Date” at the bottom of these Terms. Any modifications will be effective immediately upon such posting.  By continuing to use the Online Services, you consent to any changes to our Terms.  You should review these Terms periodically for any changes.

                                                                 

Your affirmative act of using the Online Services constitutes your electronic signature to these Terms and your consent to enter into this agreement electronically. You may print and retain a copy of these Terms. To print, you will need (i) a device (such as a computer or mobile phone) with a web browser and Internet access and (ii) either a printer or storage space on such device. If you do not agree to the Terms, please immediately discontinue using the Online Services.

 

Content

 

The Online Services are owned and operated by the Company and provide educational resources and guidance for home buyers. The information and content on the Online Services is for general information purposes only and should not be considered financial, legal, or professional advice on any subject matter. All information and content on the Online Services is provided in good faith.  While we strive to keep information accurate and up to date, we cannot guarantee the applicability or accuracy of any information on the Online Services as it relates to your individual circumstances.  We may discontinue or make changes to the information, products, licenses, or services provided on the Online Services at any time. Any dated information is published as of its publication date only.  We reserve the right to terminate any or all offerings without prior notice. By offering information, products, or services on the Online Services, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

 

The Online Services may contain links to third-party websites that we do not own or control, but that are being provided for your convenience. If you visit a link to another website, you do so at your own risk subject to the terms and conditions established by the operator of that website. The fact that we provide a link to a website does not necessarily mean we endorse, authorize, or sponsor that third-party website, or that we are affiliated with the third-party website’s owners or sponsors. We reserve the right to terminate a link to a third-party website at any time.

 

You are not authorized to post on or transmit to or from the Online Services any content that is obscene, libelous, harassing, threatening, harmful, inflammatory, invasive of privacy, or otherwise objectionable, constitutes advertising or solicitation, or violates applicable law.

​

Accessing the Online Services

 

You agree and acknowledge that you have the sole responsibility and liability for your use of the Online Services and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, internet services, and other products or services necessary or desirable for you to access and use the Online Services.

 

From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, the Online Services may not be available for your use. We make every effort to minimize the periods of time during which the Online Services are unavailable. You agree that we are not responsible for any loss, damages, costs, or expenses you may suffer or incur, directly or indirectly, as a result of the unavailability of the Online Services, regardless of whether it can be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. You agree that we also are not responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the Online Services caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet.

 

To protect the security of your information, we may require you to create a username and password and/or authenticate your identity (i.e., prove that you are who you say you are) to access and/or use the Online Services. Where applicable, you are responsible for protecting your username and password and, if they are compromised, you agree to change your username and password and immediately contact us at help@oroimpact.com. If you believe that information you have submitted to or through the Online Services has been used without your permission, you must tell us immediately. Email us at help@oroimpact.com to report unauthorized access.

 

The Online Services are not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the Online Services during times you are in a country for which use of the website would be prohibited. You are responsible for compliance with all local laws.

 

License to Use Website and Content Ownership

 

Subject to these Terms, the Company grants you a personal, non-commercial, non-transferable, non-exclusive, revocable, limited license to view the content on the Online Services for the sole purpose of obtaining information related to our products and services.  All rights, title, and interest in and to content on the Online Services, including but not limited to tradenames, trade dress, images, icons, text, software, logos, music, expressions, and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. Additionally, content on the Online Services is protected by patent and trademark laws, the laws of privacy and publicity, and the various communication regulations and statutes.  No ownership interest is transferred to you or any other entity by virtue of the Company making content available on the Online Services, granting you a license to view or interact with the Online Services, or your entering into this agreement. 

 

Any commercial use of the Online Services or its content is prohibited. You may print a copy of information contained on the Online Services only for your personal use. This right may be revoked at any time.

​

We may at any time, with or without cause, and without prior notice to you deny you access to the Online Services. We may terminate these Terms and your access to the Online Services in whole or in part at any time without prior notice to you.  We may also terminate your access and license to use the Online Services if you breach these Terms.  Upon the termination of this license, you must stop using the Online Services, including all content, and return or destroy all copies, including electronic copies, of the content in your possession or control.

 

Your Information

 

We do not claim ownership of the information you provide, post, upload, input, or submit on the Online Services or any other website maintained by the Company (collectively “Your Information”). However, by posting, uploading, inputting, providing, or submitting Your Information, you are granting us and any vendors necessary to the course of your transaction permission to use Your Information to fulfill your request for services. That permission includes allowing us to copy, distribute, transmit, publicly display (we will never publicly display your non-public personal information), reproduce, edit, translate, and reformat Your Information. Please note that specific terms and conditions provided on the web page describing a particular feature or offer may supersede this provision.

 

No Warranty

 

NOTHING WITHIN THESE TERMS SHOULD BE MEANT OR IMPLIED TO BE A WARRANTY.  YOU USE THE ONLINE SERVICES AT YOUR OWN RISK. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, TIMELINESS, CORRECTNESS OR RELIABILITY OF ANY CONTENT AVAILABLE ON THE ONLINE SERVICES. THE ONLINE SERVICES AND ITS CONTENT ARE PROVIDED TO YOU WHEN AVAILABLE AND ARE PROVIDED ON AN “AS IS” BASIS. WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE ONLINE SERVICES, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THE ONLINE SERVICES OR THE WEB. WE DO NOT WARRANT OR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THE ONLINE SERVICES WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

 

SOME STATES DO NOT ALLOW A TERMS OF USE TO HAVE A “NO-WARRANTIES” PROVISION, AND EVEN THOUGH THESE TERMS MAKE NO WARRANTY, IF YOUR STATE DOES NOT ALLOW THIS TYPE OF LIMITATION, THIS PARAGRAPH WILL NOT APPLY TO YOU.

 

Limitation of Liability

 

YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THE ONLINE SERVICES (INCLUDING ANY THIRD-PARTY SITE OR PROGRAM ACCESSED THROUGH THE ONLINE SERVICES), OR FROM YOUR USE OF, OR INABILITY TO USE, THE ONLINE SERVICES OR ANY INFORMATION PROVIDED ON THE ONLINE SERVICES; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING E-MAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. THIS LIMITATION OF LIABILITY INCLUDES ANY CLAIM BASED ON WARRANTY, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

 

THIS LIMITATION OF LIABILITY DOES NOT APPLY IF YOU ARE A NEW JERSEY RESIDENT. WITH RESPECT TO RESIDENTS OF NEW JERSEY, ANY RELEASED PARTIES ARE NOT LIABLE FOR ANY DAMAGES UNLESS SUCH DAMAGESARE THE RESULT OF  OUR NEGLIGENT OR RECKLESS ACTS OR OMISSIONS; AND ANY RELEASED PARTIES ARE NOT, IN ANY CASE, LIABLE FOR INDIRECT, INCIDENTIAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES.

 

OTHER STATES MAY ALSO LIMIT LIABILITY.  IF YOUR STATE DOES NOT ALLOW THIS TYPE OF LIMITATION, ONE OR MORE OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU.

 

Indemnification

 

You agree to defend, indemnify, and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of your use of the Online Services in violation of these Terms or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

 

Governing Law and Statute of Limitations

 

You agree that California law governs these Terms and any claim or dispute that you may have against us, and you agree to the jurisdiction and venue of the state and federal courts in California for any dispute involving the Company or its employees, officers, directors, agents and providers.

 

Unless you are a resident of New Jersey, you must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.

 

Severability

 

If any provision of these Terms is held to be unenforceable or invalid by an arbitrator or court of competent jurisdiction, the remaining portions of the Terms will be determined without the unenforceable or invalid provision. All other Terms will remain in full force and effect.

 

Miscellaneous

 

These Terms and any supplemental terms, policies, rules and guidelines posted on the Online Services, constitute the entire agreement between you and us in connection with your use of the Online Services and supersede all previous written or oral agreements. You acknowledge that we have the right to seek, at your expense, an injunction to stop or prevent a breach of your obligations. No waiver by us will have effect unless such waiver is set forth in writing and signed by us; nor will any such waiver of any breach or default constitute a waiver of any subsequent breach or default.

 

 Assignment

 

You may not transfer or assign any rights or obligations under this Agreement. The Company may transfer or assign its rights and obligations under this Agreement.

 

 

Contact Us

 

If you have questions regarding these Terms, contact us at: help@oroimpact.com.

 

Effective Date

 

June 4, 2024

​