Terms and Conditions
Request For Financial Counseling Services
H.E. Freeman Enterprises is not an agent of either you, the User, or any participating financial services, credit counseling or debt consolidation service(s) provider. H.E. Freeman Enterprises services are administrative and consultative only. You should rely on your own judgment in deciding which available financial services, credit counseling or debt consolidation service(s) best suits your needs and financial means. The financial services, credit counseling or debt consolidation service provider is solely responsible for its services to you, and you agree that H.E. Freeman Enterprises shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. This Website and the services provided by H.E. Freeman Enterprises are available only in connection with your request for financial counseling services.
Disclaimers And Limitations
H.E. Freeman Enterprises intends that the information contained in its Website be accurate and reliable; however, errors sometimes occurs. In addition, changes and improvements to the information provided herein may be made by H.E. Freeman Enterprises at any time.
THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.
As a condition of use of this Website and/or H.E. Freeman Enterprises' services, you agree to indemnify participating financial services, credit counseling or debt consolidation service providers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.
Links to Third Parties
This Website may contain links to Websites maintained by third parties. Such links are provided for your convenience and reference only. H.E. Freeman Enterprises does not operate or control in any respect any information, software, products or services available on such Websites. H.E. Freeman Enterprises' inclusion of a link to a Website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Errors and Delays
H.E. Freeman Enterprises is not responsible for any errors or delays in responding to a quote request caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.
This Agreement constitutes the entire agreement between you and H.E. Freeman Enterprises and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and H.E. Freeman Enterprises with respect to this Website and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of Washington DC excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the 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.
CONDITIONS OF USE
Welcome to H.E. Freeman Enterprises H.E. Freeman Enterprises and its affiliates provide their services to you subject to the following conditions. If you visit or shop at H.E. Freeman Enterprises, you accept these conditions. Please read them carefully. In addition, when you use any current or future H.E. Freeman Enterprises service. If these conditions are inconsistent with such guidelines and conditions, such guidelines and conditions will control.
Please review our Privacy Notice, which also governs your visit to H.E. Freeman Enterprises, to understand our practices located at http://www.hefreemanenterprises.com/policy.html.
When you visit H.E. Freeman Enterprises or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
All content included on this site, such as text, graphics, logos, button icons, images, and software, is the property of H.E. Freeman Enterprises or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of H.E. Freeman Enterprises and protected by U.S. and international copyright laws. All software used on this site is the property of H.E. Freeman Enterprises or its software suppliers and protected by United States and international copyright laws.
LICENSE AND SITE ACCESS
H.E. Freeman Enterprises grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of H.E. Freeman Enterprises This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of H.E. Freeman Enterprises You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of H.E. Freeman Enterprises and our affiliates without express written consent. You may not use any meta tags or any other "hidden text" utilizing H.E. Freeman Enterprises' name without the express written consent of H.E. Freeman Enterprises Any unauthorized use terminates the permission or license granted by H.E. Freeman Enterprises You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of H.E. Freeman Enterprises so long as the link does not portray H.E. Freeman Enterprises, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any H.E. Freeman Enterprises logo or other proprietary graphic or trademark as part of the link without express written permission.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. H.E. Freeman Enterprises does sell products for children, but it sells them to adults, who can purchase with a credit card. If you are under 18, you may use H.E. Freeman Enterprises only with involvement of a parent or guardian. H.E. Freeman Enterprises and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.
REVIEWS, COMMENTS, COMMUNICATIONS, AND OTHER CONTENT
Visitors may post reviews, comments, and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. H.E. Freeman Enterprises reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.
RISK OF LOSS
All items purchased from H.E. Freeman Enterprises are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to you upon our delivery to the carrier.
Except where noted otherwise, the List Price displayed for products on our website represents the full retail price listed on the product itself, suggested by the manufacturer or supplier, or estimated in accordance with standard industry practice; or the estimated retail value for a comparably featured item offered elsewhere. The List Price is a comparative price estimate and may or may not represent the prevailing price in every area on any particular day. For certain items that are offered as a set, the List Price may represent "open-stock" prices, which means the aggregate of the manufacturers estimated or suggested retail price for each of the items included in the set. Where an item is offered for sale by one of our merchants, the List Price may be provided by the merchant.
Please note that this policy applies only to products sold and shipped by H.E. Freeman Enterprises Your purchases from third-party sellers using H.E. Freeman Enterprises Payments are charged at the time you place your order, and third-party sellers may follow different policies in the event of a mispriced item.
We provide links to the sites of affiliated companies and certain other businesses. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any of these businesses or individuals or the content of their Websites. H.E. Freeman Enterprises does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THIS SITE IS PROVIDED BY H.E. FREEMAN ENTERPRISESS ON AN "AS IS" AND "AS AVAILABLE" BASIS. H.E. FREEMAN ENTERPRISESS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, H.E. FREEMAN ENTERPRISESS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. H.E. FREEMAN ENTERPRISESS DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM H.E. FREEMAN ENTERPRISESS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. H.E. FREEMAN ENTERPRISESS WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
By visiting H.E. Freeman Enterprises, you agree that the laws of the state of Washington DC, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and H.E. Freeman Enterprises or its affiliates.
Any dispute relating in any way to your visit to H.E. Freeman Enterprises or to products you purchase through H.E. Freeman Enterprises shall be submitted to confidential arbitration in Washington DC, except that, to the extent you have in any manner violated or threatened to violate H.E. Freeman Enterprises' intellectual property rights, H.E. Freeman Enterprises may seek injunctive or other appropriate relief in any state or federal court in the state of Washington, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.
H.E. Freeman Enterprises, LLC
P.O. Box 60851
Washington, DC 20039
NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
If you believe that your work has been copied in a way that constitutes copyright infringement, please provide H.E. Freeman Enterprises' copyright agent the written information specified below. Please note that this procedure is exclusively for notifying H.E. Freeman Enterprises and its affiliates that your copyrighted material has been infringed.
- An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
- A description of the copyrighted work that you claim has been infringed upon;
- A description of where the material that you claim is infringing is located on the site, including the auction ID number, if applicable;
- Your address, telephone number, and e-mail address;
- A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
- A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
TERMS AND CONDITIONS
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AS THEY GOVERN YOUR ACCESS TO, AND USE OF, THIS WEBSITE PROVIDED BY NATIONWIDE MUTUAL INSURANCE COMPANY (THE “COMPANY”). ADDITIONAL TERMS MAY APPLY TO YOUR ACCESS AND USE OF DIFFERENT PORTIONS OF THIS WEBSITE; ANY ADDITIONAL TERMS WILL BE POSTED IN THE “TERMS AND CONDITIONS” SECTION ASSOCIATED WITH THAT PARTICULAR PORTION OF THE WEBSITE. IF YOU USE THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.
License and Reproduction
Original material of the Company and/or any affiliate or subsidiary of the Company (the “Affiliates”) posted on this Website is protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, and display and navigate this Website solely for your personal, non-public use. You are also granted a limited and revocable license to print copies of any content accessible from this Website (the “Content”), but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of THIS Website or any content is strictly prohibited. Except as expressly provided above, no portion of this Website, its Contents or any copyright, trade name, or any other proprietary information of the Company or an Affiliate (collectively, the "Intellectual Property") displayed on this Website or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of the Company or the Affiliate that owns the Intellectual Property. Use of any trademarks of the Company or its Affiliates as metatags on any third-party Website is strictly prohibited. You may not co-brand this Website or display this Website in frames (or any of the Content via in-line links) without the prior written permission of the Company or Affiliate. “Co-branding” means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of the Company or an Affiliate in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute this Website or any Content. You agree to cooperate with the Company and its Affiliates in causing any unauthorized co-branding, framing or linking to immediately cease.
The Intellectual Property is protected by copyrights, and/or other proprietary rights and laws of the United States and other applicable countries. You agree to abide by all applicable proprietary rights and laws as well as any additional trademark or copyright notices or restrictions contained in these Terms and Conditions. These Terms and Conditions grant you no right, title or interest in the Intellectual Property and create no relationship between you and the Company or its Affiliates. You may address all inquiries concerning use of the Company’s Intellectual Property to H.E. Freeman Enterprises, Intellectual Property Department, P.O. Box 60851, Washington, DC 20039.
Operation of Website
The Company operates this Website from its offices within the United States. The Company does not represent that Content on this Website is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. You acknowledge and agree that you are accessing this Website on your own initiative, at your own risk, and are responsible for compliance with all local laws. These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and Washington, DC. You consent to exclusive jurisdiction and venue in Washington DC and waive the defense of forum non conveniens.
The Company may authorize third-party links to this Website and/or may provide links to third-party websites from this website. The Company has no discretion to alter, update or control the content on a third-party website. In addition, the Company makes no representations and disclaims all liability as to the content or material available at those locations, the accuracy of information and the quality of products or services provided or advertised on such third-party sites. The fact that the Company has provided a link to a site is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to such site, its owners, or its providers.
Designated Agent (Digital Millennium Copyright Act)
If you believe that a work protected by a United States copyright which you own has been linked to or posted or stored on this Website without authorization, please contact the following agent designated to receive notification of claimed copyright infringement: Copyright Attorney, H.E. Freeman Enterprises Copyright Attorney, H.E. Freeman Enterprises Office of General Counsel, Intellectual Property Department, P.O. Box 60851, Washington, DC 20039 or email@example.com.
Spamming and solicitation
You may not use any information obtained from this Website for spamming or solicitation.
Disclaimer of Warranties
THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. ALL CONTENT, PRODUCTS AND SERVICES ON THIS SITE ARE PROVIDED “AS IS,” WITHOUT ANY WARRANTIES WHATSOEVER ABOUT THE NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) OF ANY MATERIAL AT THE SITE, AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES. THE COMPANY DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THIS SITE BY ANY PARTY OTHER THAN THE COMPANY. IN ADDITION, THE COMPANY MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THIS WEBSITE WILL BE ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE.
ALL CONTENT, PRODUCTS AND SERVICES OBTAINED FROM A WEBSITE TO WHICH THIS SITE IS LINKED (A “LINKED” SITE) ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES WHATSOEVER ABOUT THE NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) OF ANY MATERAL AT A LINKED SITE, AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES. THE COMPANY DISCLAIMS ALL WARRANTIES OF A LINKED SITE, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICUALR PURRPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. THE COMPANY DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILTIY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.
UNDER NO CIRCUMSTANCE, OTHER THAN REQUIRED BY APPLICABLE CONSUMER LAW, WILL THE COMPANY BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER’S RELIANCE ON INFORMATION OBTAINED THROUGH THIS SITE OR ANY LINKED SITE, OR USER’S RELIANCE ON ANY PRODUCT OR SERVICE OBTRAINED FROM A LINKED SITE. THE USER IS RESPONSIBLE FOR EVALUATING THE ACCURACY, COMPLETENSS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVALIABLE THROUGH THIS SITE OR OBTAINED FROM A LINKED SITE.
Limitation of Liability
IN NO EVENT WILL THIS COMPANY, ITS AFFILIATES AND THEIR RESPECTIVE SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS (THE “REPRESENTATIVES”) BE LIABLE TO YOU FOR CLAIMS AND LIABILITIES OF ANY KIND ARISING OUT OF OR IN ANY WAY RELATED TO ACCESS, USE OR CONTENT OF THIS WEBSITE OR A LINKED WEBSITE, WHETHER AT LAW OR IN EQUITY.
THE INFORMATION, PRODUCTS, SOFTWARE AND/OR SERVICE DESCRIPTIONS PUBLISHED ON THIS SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DISLCAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THIS SITE OR A LINKED SITE IS UPDATED OR COMPLETE. THE COMPANY HAS NO OBLIGATION TO UPDATE ANY CONTENT ON THIS SITE. THE COMPANY MAY CHANGE OR IMPROVE THE WEBSITE AT ANY TIME WITHOUT NOTICE.
THIS COMPANY, ITS AFFILIATES AND THEIR RESPECTIVE REPRESENTATIVES, OFFICERS DIRECTORS, EMPLOYEES, OR AGENTS WILL NEVER BE LIABLE TO YOU FOR ANY PUNITIVE, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED THIS COMPANY, AFFILIATE OR REPRESENTATIVE ABOUT THE POSSIBLITY OF SUCH DAMAGES, OR FOR ANY CLAIMS BY ANY THIRD PARTIES ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF THIS WEBSITE OR A LINKED WEBSITE WHETHER SUCH DAMAGE CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY.
THIS LIMITATION ON LIABILITY INLCUDES, BUT IS NOT LIMITED TO, VIRAL TRANSMISSION THAT INFECTS A USER’S EQUIPMENT, MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.
Your access and use privileges of this Website and its Content are conditioned upon your adherence to these Terms and Conditions. The Company has the right to deny you access and use of this Website and its Content if you violate (as the Company may determine in its sole and absolute discretion) any provision of these Terms and Conditions. The Company reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold the Company, its Affiliates and their respective Representatives harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of your access to, or use of, this Website or any of its Content in a manner other than as expressly authorized by these Terms and Conditions, your breach of these Terms and Conditions or your violation of applicable laws or any rights of any third party.
Except to the extent of additional terms imposed by different portions of this Website, these Terms and Conditions set forth the entire understanding between the Company and you with respect to your access to, and use of, this Website and the Content and supersedes all prior or contemporaneous understandings regarding access and use.
In the event that any portion of these Terms and Conditions is ruled invalid or otherwise unenforceable, the remainder of these Terms and Conditions shall not fail on account thereof, and shall continue in full force and effect. Any invalid or unenforceable portion should be construed as narrowly as possible in order to give effect to as much of these Terms and Conditions as possible.
The Company's failure, in any instance, to exercise any of its rights under these Terms and Conditions will not constitute waiver of such right or any other rights under these Terms and Conditions.
Right to Modify
The Company reserves the right to modify these Terms and Conditions and the Content of the Website at any time in the Company’s discretion. Your use of this Website after such changes are implemented constitutes your acceptance of the changes.
Updated: April 20, 20015
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