Terms of Use
Effective Date: November 1, 2023
1. Introduction Welcome to The Education Finance Guide Online Learning Platform powered by Golden Bay Mortgage. These Terms of Use govern your access to and use of our website and services. By accessing or using our platform, you agree to be bound by these terms.
2. Services Description We provide an online platform offering educational content focused on financial literacy, including but not limited to credit score management, retirement planning, debt repayment, saving strategies, tax information, and estate planning.
3. User Accounts To access certain features of our platform, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
4. User Conduct You agree to use our platform only for lawful purposes. You are responsible for all your activity in connection with the services and for respecting other users' rights and privacy.
5. Intellectual Property
5.1 Ownership All content on this platform, including but not limited to text, graphics, logos, images, course materials, and software, is the exclusive property of Golden Bay Mortgage or its content suppliers and is protected by international copyright and intellectual property laws. This includes all formatting, organization, and presentation of such content, which together with any software used on the platform, are referred to as “our intellectual property”.
5.2 Restrictions You are granted a limited license to access and use the platform and its content for personal, non-commercial purposes, as stipulated by these Terms. This license does not include any resale or commercial use of the platform or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the platform or its contents; any downloading, copying, or other use of account information for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools.
5.3 Prohibited Activities You must not modify, reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit our platform or its content for any commercial purpose without express written consent from us. Unauthorized use of our platform and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on the platform is strictly prohibited.
5.4 Trademarks The HOME Program, Golden Bay Mortgage, and other marks indicated on our platform are trademarks or registered trademarks of Golden Bay Mortgage in the relevant jurisdictions. Our graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of The HOME Program and Golden Bay Mortgage. These trademarks and trade dress may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits [Your Platform's Name].
5.5 Copyright Complaints and Copyright Agent (a) We respect the intellectual property of others, and we ask our users to do the same. (b) If you believe that your work has been copied in a way that constitutes copyright infringement, please provide us with the following information: 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; a description of where the material that you claim is infringing is located on the platform; your address, telephone number, and email 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, 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.
6. Limitation of Liability Our platform is provided on an "as is" and "as available" basis. We do not make any express or implied warranties, endorsements, or representations whatsoever as to the operation of the website, information, content, materials, or products. We shall not be liable for any damages arising from the use of this service.
7. Changes to Terms of Use We reserve the right to modify these Terms of Use at any time. Your continued use of the platform after such changes will constitute acknowledgment and agreement of the modified terms.
8. Governing Law These terms shall be governed and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
9. Contact Information If you have any questions about these Terms of Use, please contact us. (916) 469-3749