Terms of Service

## 1. Agreement to Terms

By accessing or using HomeOwnership4u's website, services, or resources, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

## 2. About HomeOwnership4u

HomeOwnership4u is a mission-driven organization with a pending 501(c)(3) nonprofit application. We aim to expand access to sustainable homeownership for working families through education, resource connection, and community partnerships.

We are NOT:
- A mortgage broker or lender
- A financial institution
- A provider of legal or financial advice

## 3. Services Provided

We offer:
- Educational resources about homeownership
- Connection to partner organizations
- Community workshops and events
- Calculators and planning tools (for educational purposes only)

## 4. User Responsibilities

By using our services, you agree to:
- Provide accurate information
- Use our resources for lawful purposes only
- Not misrepresent your affiliation with HomeOwnership4u
- Respect the privacy of other users

## 5. No Guarantees

While we strive to help families achieve homeownership, we cannot guarantee:
- Loan approval or specific financial outcomes
- Accuracy of third-party resources
- Availability of programs or partnerships

## 6. Privacy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.

## 7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of HomeOwnership4u and protected by copyright laws.

## 8. Limitation of Liability

HomeOwnership4u shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.

## 9. Changes to Terms

We may update these terms from time to time. Continued use of our services after changes constitutes acceptance of the new terms.

## 10. Contact Us

For questions about these Terms of Service, please contact us.