Privacy Policy
Our Privacy Policy is designed to assist you in understanding how we
collect and use the personal information you provide to us and to assist
you in making informed decisions when using our site and our products
and services.
When you visit our Web site you may provide us with two types of information:
personal information you knowingly choose to disclose that is collected
on an individual basis and Web site use information collected on an aggregate
basis as you and others browse our Web site.
You will provide us information about yourself, your firm or company,
and your practices when you register with Guam Housing Corporation,
register for certain services, or register for email newsletters and alerts.
You may also provide additional comments on how you see the servicing
of your needs and interests.
If you choose to correspond with us through email, we may retain the
content of your email messages together with your email address and our
responses.
Similar to other commercial Web sites, our Web site utilizes a standard
technology called "cookies" (see explanation below, "What
Are Cookies?") and Web server logs to collect information about how
our Web site is used. Information gathered through cookies and Web server
logs may include the date and time of visits, the pages viewed, time spent
at our Web site, and the Web sites visited just before and just after
our Web site. We, our advertisers and ad serving companies may also use
small pieces of code called “web beacons” or “clear
gifs” to determine which advertisements and promotions users have
seen and how users responded to them.
Broadly speaking, we use personal information for purposes of administering
and expanding our activities, providing customer service and making available
other products and services to our customers and prospective customers.
Occasionally, we may also use the information we collect to notify you
about important changes to our Web site, new services and special offers
we think you will find valuable. You may notify us at any time if you
do not wish to receive these offers by emailing
us.
A cookie is a very small text document, which often includes an anonymous
unique identifier. When you visit a Web site, that site's computer asks
your computer for permission to store this file in a part of your hard
drive specifically designated for cookies. Each Web site can send its
own cookie to your browser if your browser's preferences allow it, but
(to protect your privacy) your browser only permits a Web site to access
the cookies it has already sent to you, not the cookies sent to you by
other sites.
As you shop on our Web site, the site uses its cookies to differentiate
you from other shoppers so your shopping cart is only available to you.
In some cases, we also use cookies to prevent you from seeing unnecessary
advertisements or requiring you to log in more than is necessary for security.
Cookies, in conjunction with our Web server's log files, allow us to calculate
the aggregate number of people visiting our Web site and which parts of
the site are most popular. This helps us gather feedback in order to constantly
improve our Web site and better serve our customers. Cookies do not allow
us to gather any personal information about you and we do not generally
store any personal information that you provided to us in your cookies.
We may enter into alliances, partnerships or other business arrangements
with third parties who may be given access to personal information including
your name, address, telephone number and email for the purpose of providing
you information regarding products and services that we think will be
of interest to you. In connection with alliances, partnerships or arrangements,
we may also provide certain information to third parties if we have determined
that the information will be used in a responsible manner by a responsible
third party. For example, some of our partners operate stores or provide
services on our site, while others power offerings developed by us for
your use. We also use third parties to facilitate our business, including,
but not limited to, sending email and processing credit card payments.
In connection with these offerings and business operations, our partners
and other third parties may have access to your personal information for
use in connection with business activities. As we develop our business,
we may buy or sell assets or business offerings. Customer, email, and
visitor information is generally one of the transferred business assets
in these types of transactions. We may also transfer such information
in the course of corporate divestitures, mergers, or any dissolution.
Occasionally, we may also use the information we collect to notify you
about important changes to our Web site, new services and special offers
we think you will find valuable. As our customer, you will be given the
opportunity to notify us of your desire not to receive these offers by
sending us an email request.
Terms of Use Agreement
Welcome to our Web site. By using our site, you are agreeing to comply
with and be bound by the following terms of use. Please review the following
terms carefully. If you do not agree to these terms, you should not use
this site. The term "GuamHousing.org" or “us”
or “we” or “our” refers to Guam Housing Corporation, the owner of the Web site. The term “you” refers
to the user or viewer of our Web Site.
You agree to the terms and conditions outlined in this Terms of Use Agreement
("Agreement") with respect to our site (the "Site").
This Agreement constitutes the entire and only agreement between us and
you, and supersedes all prior or contemporaneous agreements, representations,
warranties and understandings with respect to the Site, the content, products
or services provided by or through the Site, and the subject matter of
this Agreement. This Agreement may be amended at any time by us from time
to time without specific notice to you. The latest Agreement will be posted
on the Site, and you should review this Agreement prior to using the Site.
The content, organization, graphics, design, compilation, magnetic translation,
digital conversion and other matters related to the Site are protected
under applicable copyrights, trademarks and other proprietary (including
but not limited to intellectual property) rights. The copying, redistribution,
use or publication by you of any such matters or any part of the Site,
except as allowed by Section 4 below, is strictly prohibited. You do not
acquire ownership rights to any content, document or other materials viewed
through the Site. The posting of information or materials on the Site
does not constitute a waiver of any right in such information and materials.
Some of the content on the site is the copyrighted work of third parties.
GuamHousing.org and others are our service marks or registered service
marks or trademarks. Other product and company names mentioned on the
Site may be trademarks of their respective owners.
You are granted a non-exclusive, non-transferable, revocable license
(a) to access and use the Site strictly in accordance with this Agreement;
(b) to use the Site solely for internal, personal, non-commercial purposes;
and (c) to print out discrete information from the Site solely for internal,
personal, non-commercial purposes and provided that you maintain all copyright
and other policies contained therein. No print out or electronic version
of any part of the Site or its contents may be used by you in any litigation
or arbitration matter whatsoever under any circumstances.
Your license for access and use of the Site and any information, materials
or documents (collectively defined as “Content and Materials”)
therein are subject to the following restrictions and prohibitions on
use: You may not (a) copy, print (except for the express limited purpose
permitted by Section 4 above), republish, display, distribute, transmit,
sell, rent, lease, loan or otherwise make available in any form or by
any means all or any portion of the Site or any Content and Materials
retrieved therefrom; (b) use the Site or any materials obtained from the
Site to develop, of as a component of, any information, storage and retrieval
system, database, information base, or similar resource (in any media
now existing or hereafter developed), that is offered for commercial distribution
of any kind, including through sale, license, lease, rental, subscription,
or any other commercial distribution mechanism; (c) create compilations
or derivative works of any Content and Materials from the Site; (d) use
any Content and Materials from the Site in any manner that may infringe
any copyright, intellectual property right, proprietary right, or property
right of us or any third parties; (e) remove, change or obscure any copyright
notice or other proprietary notice or terms of use contained in the Site;
(f) make any portion of the Site available through any timesharing system,
service bureau, the Internet or any other technology now existing or developed
in the future; (g) remove, decompile, disassemble or reverse engineer
any Site software or use any network monitoring or discovery software
to determine the Site architecture; (h) use any automatic or manual process
to harvest information from the Site; (i) use the Site for the purpose
of gathering information for or transmitting (1) unsolicited commercial
email; (2) email that makes use of headers, invalid or nonexistent domain
names, or other means of deceptive addressing; and (3) unsolicited telephone
calls or facsimile transmissions; (j) use the Site in a manner that violates
any state or federal law regulating email, facsimile transmissions or
telephone solicitations; and (k) export or re-export the Site or any portion
thereof, or any software available on or through the Site, in violation
of the export control laws or regulations of the United States.
We may make available through the Site or through other Web sites sample
and actual forms, checklists, business documents and legal documents (collectively,
“Documents”). All Documents are provided on a non-exclusive
license basis only for your personal one-time use for non-commercial purposes,
without any right to re-license, sublicense, distribute, assign or transfer
such license. Documents are provided for a charge and without any representations
or warranties, express or implied, as to their suitability, legal effect,
completeness, currentness, accuracy, and/or appropriateness. The Documents
are provided “as is”, “as available”, and with
“all faults”, and we and any provider of the Documents disclaim
any warranties, including but not limited to the warranties of merchantability
and fitness for a particular purpose. The Documents may be inappropriate
for your particular circumstances. Furthermore, state laws may require
different or additional provisions to ensure the desired result. You should
consult with legal counsel to determine the appropriate legal or business
documents necessary for your particular transactions, as the Documents
are only samples and may not be applicable to a particular situation.
Some Documents are public domain forms or available from public records.
Information contained on or made available through the Site is not intended
to and does not constitute legal advice, recommendations, mediation or
counseling under any circumstance and no attorney-client relationship
is formed. We do not warrant or guarantee the accurateness, completeness,
adequacy or currency of the information contained in or linked to the
Site. Your use of information on the Site or materials linked to the Site
is entirely at your own risk. We are not a law firm and the Site is not
a lawyer referral service.
You may provide links to the Site, provided (a) that you do not remove
or obscure, by framing or otherwise, advertisements, the copyright notice,
or other notices on the Site, (b) your site does not engage in illegal
or pornographic activities, and (c) you discontinue providing links to
the Site immediately upon request by us.
The Site may contain advertising and sponsorships. Advertisers and sponsors
are responsible for ensuring that material submitted for inclusion on
the Site is accurate and complies with applicable laws. We are not responsible
for the illegality or any error, inaccuracy or problem in the advertiser’s
or sponsor’s materials.
Certain sections of, or offerings from, the Site may require you to register.
If registration is requested, you agree to provide us with accurate, complete
registration information. Your registration must be done using your real
name and accurate information. Each registration is for your personal
use only and not on behalf of any other person or entity. We do not permit
(a) any other person using the registered sections under your name; or
(b) access through a single name being made available to multiple users
on a network. You are responsible for preventing such unauthorized use.
We do not represent or warrant that the Site will be error-free, free
of viruses or other harmful components, or that defects will be corrected.
We do not represent or warrant that the information available on or through
the Site will be correct, accurate, timely or otherwise reliable. We may
make changes to the features, functionality or content of the Site at
any time. We reserve the right in our sole discretion to edit or delete
any documents, information or other content appearing on the Site.
Third party content may appear on the Site or may be accessible via links
from the Site. We are not responsible for and assume no liability for
any mistakes, misstatements of law, defamation, omissions, falsehood,
obscenity, pornography or profanity in the statements, opinions, representations
or any other form of content on the Site. You understand that the information
and opinions in the third party content represent solely the thoughts
of the author and is neither endorsed by nor does it necessarily reflect
our belief.
We reserve the right to investigate complaints or reported violations
of this Agreement and to take any action we deem appropriate, including
but not limited to reporting any suspected unlawful activity to law enforcement
officials, regulators, or other third parties and disclosing any information
necessary or appropriate to such persons or entities relating to your
profile, email addresses, usage history, posted materials, IP addresses
and traffic information.
You agree to indemnify, defend and hold us and our partners, agents,
officers, directors, employees, subcontractors, successors, assigns, third
party suppliers of information and documents, attorneys, advertisers,
product and service providers, and affiliates (collectively, "Affiliated
Parties") harmless from any liability, loss, claim and expense, including
reasonable attorney's fees, related to your violation of this Agreement
or use of the Site.
Your right to use the Site is not transferable or assignable. Any password
or right given to you to obtain information or documents is not transferable
or assignable.
THE INFORMATION, CONTENT AND DOCUMENTS FROM OR THROUGH THE SITE ARE PROVIDED
"AS-IS," "AS AVAILABLE," WITH “ALL FAULTS”,
AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT
NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION AND SERVICES MAY
CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE AND OUR AFFILIATED
PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR
SERVICE, EXCEPT AS PROVIDED IN SECTION 17(b). IN PARTICULAR, BUT NOT AS
A LIMITATION THEREOF, WE AND OUR AFFILIATED PARTIES ARE NOT LIABLE FOR
ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING
DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE),
WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING
NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE
ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU.
THIS SITE AND THE PRODUCTS, SERVICES, DOCUMENTS AND INFORMATION PRESENTED
WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION,
WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE OR OTHERWISE
SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED
IN THIS AGREEMENT.
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