PLEASE READ THESE TERMS AND
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BY REGISTERING OR BECOMING
A SUBSCRIBER OR BY ACCESSING, BROWSING, SAVING OR PRINTING ANY INFORMATION
OR OTHERWISE USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD,
OTHERWISE USE THIS SITE OR THE INFORMATION CONTAINED THEREIN.
SUBSCRIBERS TO HOME SALE DATA
Our suppliers may have placed
restrictions on the redistribution of home sale information to certain
subscribers through PolicyMap. As a result, PolicyMap is prohibited
from providing home sale data to the companies listed below (unless
authorized by our suppliers with prior written approval).
By accessing home sale data
in PolicyMap, you acknowledge that you are not an employee of the following
mortgage originating institutions: Countrywide Financial Corp., Wells
Fargo Home Mortgage, Washington Mutual, Chase Home Finance, Bank of
America, CitiMortgage, Inc., GMAC-RFC, GMAC Residential Holdings, IndyMac
Bancorp, Inc., Wachovia, American Home Mortgage Investment, Golden West
Financial Corp./Wold, SunTrust Mortgage, Inc., National City Mortgage,
Aurora Loan Services, Inc. (AA), PHH Mortgage, ABN Amro Mortgage, First
Horizon Home Loans, GreenPoint Mortgage Funding, and MortgageIT.
You also acknowledge that you are not an employee of one of the following
companies: Acxiom, America Online (AOL), C&S Marketing, Choice Point,
CoStar Group, Database America, DataQuick, Data Warehouse, Dolan Information
Services, Domania, Donnelley, Experian, Equifax, Fidelity National Information
Services (FNIS), First Data Solutions, FIServ, FNC, Google, Haines,
InfoUSA, International Data Management (IDM), iPlace, Lending Tree,
Lexis/Nexis, MacDonald-Detweiler, MicroGeneral Corporation, National
Information Services, Polk, Seisint, Stewart Title/ Stewart Information,
SW Financial, Thompason-West Group, TransUnion, US Search, Veros and
If you are an employee of one
of the above listed companies and wish to become a PolicyMap subscriber
with access to home sale data, please click here to contact TRF. We will approach our suppliers
on your behalf.
STUDENT ACCESS TO POLICYMAP
If you purchase access to PolicyMap at a discounted student rate, you agree that you are a student actively enrolled in a high school, college or university program. As detailed further in this user agreement, you agree not to share your username or password with others. PolicyMap reserves the right to terminate your subscription, without reimbursement, if you violate any of these terms.
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search results and images, as well as all other information and materials
available on this Site (the "Content") for your internal business
purposes only, conditioned on your continued compliance with these Terms
of Use. Any other use, reproduction, modification, distribution or republication
of this Site or the Content without TRF.s prior written consent is
strictly prohibited. You agree that when using this Site you will abide
by and comply with all applicable laws, rules and regulations.
The foregoing license grant
does NOT include the right for you to:
- Market, sell or make commercial use of the Site or any of its Content without the expressed written consent of TRF;
- Systematically collect and use any data or Content including the use of any data spiders, robots, or similar data gathering, mining or extraction methods;
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Except for the limited license
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estoppel, or otherwise in or under any patent, trademark, copyright,
or proprietary right of TRF or any third party. Any unauthorized use
of this Site or Content will terminate the permission or license granted
by these Site Terms and may violate applicable law including copyright
laws, trademark laws (including trade dress), and communications regulations
You warrant that you shall
not use the Site or its Content to develop any of the following or derivatives
thereof for general commercial redistribution or sale: any models or
analytics, including, but not limited to, predictive models (of any
type), automated valuation models, analytics or other programs or algorithms.
You agree and warrant that you shall not use any element or component
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vesting, ownership or encumbrance report.
COPYRIGHT AND PROPRIETARY
This Site, all Content, and
the selection and arrangement and compilation of information, and all
software used on this Site (collectively "Materials") is TRF.s
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trade secret law, as well as other laws, rules and regulations. TRF
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as expressly provided herein, neither TRF nor TRF.s Business Partners
grant any rights to you under any patents, copyrights, trademarks or
trade secret information. Accordingly, unauthorized use of this Site,
Content or Materials may violate patent laws, copyright laws, trademark
laws, trade secret laws, laws pertaining to privacy and publicity rights
or other laws or regulations.
All trade names, marks, logos,
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copied, imitated, or used, in whole or in part, without TRF.s prior
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post, transmit, distribute or modify any of the Trademarks in any way,
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materials on this Site, without TRF.s prior written consent. TRF prohibits
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the use of any of the Trademarks as a "hot" link on or to
any other web site, unless TRF approves the establishment of such a
link in advance.
ACCOUNT MAINTENANCE AND
Access to secured/password
protected areas of this Site are restricted to registered users and
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you are authorized to do so and to engage in the activities and communications
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the confidentiality and use of your password or username, as well as
for any activities or communications conducted on this Site using your
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found sharing their password will have their access to PolicyMap terminated
immediately. Details regarding registration and subscription services
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If you wish to cancel a password
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use of a password or username, please notify TRF immediately. TRF reserves
the right to delete or change any password or username at any time,
should, in TRF.s judgment, a breach occur.
USER SUBMITTED CONTENT (exclusive
You are solely responsible
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that you post to this Site or send to other policymap.com users ("User
Materials"). You may not submit, post, distribute, or reproduce in
any way any copyrighted material, trademarks, or other proprietary information
without obtaining the prior written consent of the owner of such proprietary
rights. You may not submit any information, or material that infringes,
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or other rights of any party. You agree to not purposely provide false
or misleading information on the Site.
All User Materials are considered
to be non-confidential. By submitting any such User Materials, you automatically
grant (or warrant that the owner of such User Materials has expressly
granted) to TRF a royalty-free, transferable, perpetual, irrevocable,
worldwide, nonexclusive right and license to use, reproduce, publish,
edit, translate, distribute, perform, and display the User Materials
in any media or medium, or any form, format, or forum now known or hereafter
TRF does not and cannot review
all User Materials posted to this Site and is not responsible for these
User Materials or for their accuracy. However, TRF reserves the right
to block or remove User Materials that TRF determines, in TRF.s sole
discretion, to be (i) threatening, abusive, libelous, defamatory, inflammatory,
or obscene, (ii) fraudulent, deceptive, or misleading, (iii) in violation
of the copyright, trademark, or other intellectual property rights or
other rights of another, (iv) in violation of any applicable local,
state, Federal or international law or regulation, or (v) offensive
or otherwise unacceptable. ANY MESSAGES, ADVICE, OPINIONS OR OTHER INFORMATION
CONTAINED IN OR PROVIDED THROUGH THIS SITE SHOULD NOT BE CONSTRUED AS
PROFESSIONAL ADVICE OR INSTRUCTION AND DOES NOT NECESSARILY REFLECT
TRF.S OPINIONS OR THE OPINIONS OF TRF.S BUSINESS PARTNERS.
USE OF AERIAL VIEWS
If you are a member of or working on behalf of the United States Government, your use or access to Google's Maps within PolicyMap are subject to Google's U.S. Government Restricted Rights. They read as follows: "U.S. Government Restricted Rights. If any Product is used or accessed by or on behalf of the United States government, such use or access is subject to the following provision. The Products and any related documentation are deemed "commercial computer software" and "commercial computer software documentation," respectively, within the meaning of the applicable civilian and military Federal acquisition regulations and any supplement thereto. If the user of the Product is an agency, department, employee, or other entity of the United States Government, the use, duplication, reproduction, release, modification, disclosure, or transfer of the Products, including technical data, manuals or other accompanying documentation, is restricted by the terms, conditions and covenants contained in the Google Maps/Google Earth Terms of Service and the Google Maps/Google Earth APIs Terms of Service. In accordance with Federal Acquisition Regulation 12.212 for civilian agencies and Defense Federal Acquisition Regulation Supplement 227.7202 for military agencies, use of the Products is further restricted by the Google Maps/Google Earth Terms of Service and the Google Maps/Google Earth APIs Terms of Service."
ZIP CODE BOUNDARIES
CONFIDENTIALITY ON THE INTERNET
Use of the Internet is solely
at your own risk and is subject to all applicable laws, rules and regulations.
TRF is not responsible for the security of any information transmitted
over the Internet. You assume all risks in transmitting material to
or from this Site and must make your own determination as to these matters.
If you violate any provision
or the Materials shall automatically terminate. TRF may change, suspend
or terminate your account or your use of all of part this Site at any
time as TRF deems appropriate.
TRF reserves the right to modify
or discontinue the Site, Content, Materials or any portion of either,
or the offering of any information, good, Content or product with or
without notice. TRF shall not be liable to you or any third party should
TRF exercise its right to modify or discontinue the Service or part
ADVERTISEMENTS AND LINKS
TO OTHER SITES
TRF, in our sole discretion,
may post the advertisements or other materials of third parties on this
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TRF shall not be responsible for any loss or damage of any sort incurred
as a result of any such dealings or as the result of the presence of
such advertisements on this Site. Moreover, TRF shall not be responsible
or liable for the statements or conduct of any such advertisers on this
This Site may contain links
to other web sites. These links are provided solely as a convenience
to you and not as an affiliation, endorsement or adoption by TRF of
such linked web sites or the Content thereof. TRF is not responsible
for the Content of any linked sites and does not make any representations
regarding the Content or accuracy of materials on any linked sites.
If you decide to access any linked site, you do so at your own risk.
When leaving this Site you should be aware that TRF.s terms and policies
may no longer govern, and, therefore, you should review the applicable
terms, conditions and policies, including privacy and data-gathering
practices, of each linked site.
DIGITAL MILLENNIUM COPYRIGHT
TRF complies with the provisions
of the Digital Millennium Copyright Act (DMCA) applicable to Internet
service providers (17 U.S.C. � 512). If you believe that your work
has been copied and has been posted to this Site in a way that constitutes
copyright infringement, please provide TRF 's copyright agent the following
- 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;
- 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.
- Before sending a notice to TRF, you should confirm that you are the copyright owner or have rights to the copyright which the DMCA requires. Contact information for TRF 's Copyright Agent for notice of claims of copyright infringement is provided below.
Attn: DMCA Agent
YOU EXPRESSLY AGREE THAT USE OF THE SITE, THE CONTENT AND MATERIALS IS AT YOUR SOLE RISK. THIS SITE, THE CONTENT AND THE MATERIALS ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. TRF IS NOT RESPONSIBLE FOR PRINTING OR TYPOGRAPHICAL ERRORS.
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QUALITY, PERFORMANCE OR SUITABILITY OF THIS SITE, DATA, CONTENT OR MATERIALS
AVAILABLE ON OR THROUGH THIS SITE.
TO THE FULLEST EXTENT PERMISSIBLE
PURSUANT TO APPLICABLE LAW, TRF AND EACH OF TRF.S BUSINESS PARTNERS
DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,
BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
LIMITATIONS OF LIABILITY
IN THE EVENT OF ANY PROBLEM
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UNDER NO CIRCUMSTANCES SHALL
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OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS OR REPRESENTATIVES,
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BE LIABLE FOR ANY, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, INCIDENTAL, INDIRECT
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CONTENT MADE AVAILABLE ON OR THROUGH IT, WHETHER UNDER A THEORY OF BREACH
OF CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SUCH
PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. In the event
that TRF is liable for any damages arising in connection with this Site
or any Content made available on or through it, the aggregate liability
of TRF shall not exceed fifty percent (50%) of the amounts actually
paid to TRF by you for your use of the Site and Content, if any, for
the one-month period preceding the first event that gave rise to the
APPLICABLE LAW MAY NOT ALLOW
THE LIMITATIONS OF LIABILITY SET FORTH ABOVE, SO THESE LIMITATIONS OF
LIABILITY MAY NOT APPLY TO YOU.
THE LIMITATIONS OF LIABILITY
SET FORTH IN THIS AGREEMENT ARE INDEPENDENT AND SHALL SURVIVE ANY FAILURE
OF ANY REMEDY (EXCLUSIVE OR OTHERWISE).
CHOICE OF LAW, WAIVER AND
governed by the laws of the Commonwealth of Pennsylvania without regard
to its conflict of law provisions. All disputes that may arise between
you and TRF shall be filed only in state or federal court located in
Philadelphia, Pennsylvania and you hereby irrevocably and unconditionally
consent and submit to the exclusive jurisdiction of such courts over
's failure to exercise or enforce any right or provision of the Terms
of Use will not be deemed to be a waiver of such right or provision.
jurisdiction to be invalid, the parties nevertheless agree that the
court should endeavor to modify such provision to give effect to the
parties' intentions as reflected in the provision, and the other provisions
regardless of any statute or law to the contrary, any claim or cause
of action arising out of or related to use of the Services must be filed
within one (1) year after such claim or cause of action arose or be
A printed version of these
be admissible in judicial or administrative proceedings based upon or
same conditions as other business documents and records originally generated
and maintained in printed form.
EVENTS BEYOND OUR CONTROL
You absolve and release TRF
and its Business Partners from any claim of harm resulting from any
cause beyond TRF.s control, including, but not limited to, failure
of electronic or mechanical equipment or communication lines, telecommunications
or other interconnect problems, computer viruses or other damaging code
or data, unauthorized access, theft, operator errors, severe weather,
earthquakes, natural disasters, strikes or other labor problems, wars,
or governmental restrictions.