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Frequently Asked Questions  Vista's Office Location & Directions & Map          Is There An Application Fee?      Security Deposit Details        FREE RENT Program!                                    DEPOSIT TO HOLD with Application        Application - What Does It Take To Qualify?       Application Processing, How Long Does It Take?   How to See A Vista Home                                   Animals "Approved App Pending" What is "Rent with Option to Buy?"                          SECTION 8 "TENANT FINDER HOME" Owner Financing Get $8,000 FREE When You Buy A Vista Home                                      Finding the Right Home Financing My Question not on this list FREE Credit Repair Service - (2 Programs)                                                                                     Where is Vista's Office located? 4012 Dupont Circle, Suite 203       Louisville, KY 40207 Office Hours: Monday thru Friday 9am - 4pm Closed on Holidays. In the Sherwood Office Building across from Suburban Hospital. TARC - Transit Authority of River City has a bus stop almost at our door.   View Larger Map Check Out This Interactive Google Map Place Your Cursor On The Map Above, Click and Hold the LEFT Button On Your Mouse. Then Drag Your Mouse Around On The Photo Please Note Google Maps Image Above lists the wrong address in the corner. The image is correct and Vista's office is  4012 Dupont Circle, Suite 203, in the Sherwood Building   View Larger Map  Driving directions, from the Watterson Expressway (I-264) Exit North on to Breckinridge Lane. At the 1st Traffic light, turn RIGHT on to Dutchmans Parkway. At the 3rd Traffic light, turn Right on to Dupont Circle. Turn Left into the parking lot at the "Sherwood" Building (1st Building on left). Vista's Office is on the 2nd Floor. You may use the elevator located in the center of the building where the balconies can be seen. Phone number is 502.896.2595                 Application Fee How much is the Application Fee?     Once you have found your home, a $35.00 non-refundable fee is required on each household.  Vista has recently developed a new Rental Application Policy allowing 1 Rental Application Fee per household. Believe it or not, the application fee is not just a "random" fee as many would think. Your application fee helps with the administrative costs of processing your application, costs of credit reports, and more. It is very hard to work for free, and we trust you will agree with this. It costs money to process applications. We strive to keep our costs as low as possible. Many other companies charge much more, sometimes twice as much as Vista. We do NOT want a bunch of applications. Vista strives to qualify every application submitted. If no homes are available for you and your household now, you can still submit an application NOW to get "pre-approved." Once approved, you will be first in line on the next available home that fits your guidelines. (Many homes never make the available list due to this procedure) If you are "pre-approved" and you find another home BEFORE a Vista Home becomes available, your application fee will be refunded. We want you to always consider Vista for your next home. >>>      Get Your Rental Application Right Here, Right NOW! 1.) Vista Online Rental Application is Ready For You Now! Simply Select Your Rental Application Below. Pay Pal makes it simple and easy to pay your household application fee now Upon processing your payment, you will get BOTH Your Online Application allowing you to fill-in-the-blanks or you can download your rental application and drop it by our office. Select Your Rental Application Individual Application $35.00 Household Application $35.00 Co-Signer Application $35.00    GET IT NOW!    2.) Get Your Application by Stopping by our office during business hours, 3.) After hours you may pick one up with list of available homes located in the brochure holder on our office front door.                 Security Deposits How much is Security Deposit?      Single Family Homes:               determined by the following formula --               --Security Deposit is equivalent to one month's rent PLUS $50.00.               --For example, a home with $799 Rent will have deposit of $849. Apartments      have varying Security Deposit requirements.      Refer to the information on the apartment listing for specific dollar amount.                 FREE RENT Program!            ALL STAR PLAN = FREE RENT!        Here is Summary. Most of the time in Renting a Home, You hear about the ugly stuff that occurs if you fail to do this or that. VISTA is proud of the ALL STAR Program for responsible folks like YOU! Vista's All Star Program Allows YOU to earn a Bonus  REWARD for being responsible! Earn discounted and FREE RENT by avoiding late charges &  violations.   YOU WIN with Vista's All Star Plan! 12 months = 10% Discount on Your 13th Month! 24 Months = 25% Discount on Your 25th Month! 36 Months = 100% Discount on Your 37th Month! FREE RENT!   Be sure to ask about Vista's FREE RENT Program!                  DEPOSIT TO HOLD with Application      Can I put a "DEPOSIT to HOLD" on a Home when I submit my Application? DEPOSIT TO HOLD WITH YOUR APPLICATION Providing there is not an approved application pending, You may put a deposit to hold on a home when you submit your application. You must submit a dollar amount equivalent to the Security Deposit or more for your "Deposit To Hold." This is a very powerful and strong benefit for you. Your Deposit to Hold shows you are dead serious about renting this home and you are not going to the shopping mall in search of dozens of homes. Once approved, your Deposit to Hold money will be used for funds needed to complete the rental agreement process. When You put a "Deposit To Hold" on a selected home, this home will be immediately removed from the list of available homes, thus putting you in the driver's seat. Once approved, you will have 24hrs to co-ordinate an appointment with our office to produce all of the monies needed and complete your new tenant paperwork package. This does NOT mean you have to 'move in' within 24hrs. This simply means you start paying rent. You may still move in on your schedule. This is very helpful for folks who are moving to Louisville, Kentucky from another town. Should You Decide Not to Rent AFTER YOU ARE APPROVED, YOU will forfeit the DEPOSIT TO HOLD money. Vista will have to begin the entire process to advertise and market this home for rent again. If you are not approved, your DEPOSIT to Hold money will be returned to you within 30 days to the address you entered on your form. If you wish to get your funds immediately, there will be an $85 charge deducted from your funds for processing your application along with starting the marketing and advertising process again.                 Application Qualifying         What Does It Take To Qualify? We are happy and pleased you are considering a Vista Home. We are very proud of our homes and believe you will be too. Our requirement standards for qualifying to rent a home are simple and fair. They Are: Your gross monthly income must at least 3 times the monthly rent. A favorable credit history. Be employed or furnish acceptable proof of required income. Good references from landlords along with being clean & responsible. Occupant limits of 2 persons per bedroom.   Bad Credit will NOT prevent You from Qualifying for a Vista Home. Compensating factors to qualify can be:                 - additional deposit                - pre-paid rent                - co-signers for the purpose of helping applicants qualify who do not meet the initial qualifying standards. Purchasing An "Option To Buy" is a frequently used compensating factor.          We look forward to working with you. Vista is committed to provide equal professional service without regard to race, color, religion, sex, handicap, familial status, or national origin of any prospective client or customer.  If you have questions, please call  502.896.2595                 Showing the Home, How to See A Vista Home    How Do I Make An Appointment To See A Vista Home?   You Can See a Vista Home ANYTIME YOU want! Here's How:       1.) Visit Our Office       2.) SIGN Out a KEY! That's It, take your time, check out your potential future home, and with confidence, you can return the key, fill out an application and capture the home you want.   Question: When Can I See the Home?       A.nswer: Anytime You Want!   Question: How Can I See It?    Answer: This EASY to SEE a Home Program has been designed for YOU! Have You ever checked out other homes and houses for rent while a leasing agent or landlord is standing there or following you thru the home. Isn't this just absolutely nerve wracking on your part?       You're trying to evaluate this house because it will become YOUR HOME! Don't you want to take your time, walk thru the house, think about placing your furniture, rooms for your family members, laundry, yard size, neighborhood and whatever else is a concern for YOU.    You should be concerned about making the right decision for this house to become your home. Vista wants you to make the right decision. Here's the Story How Your BIG Benefit Was Created How To Make an Appointment to see a home before submitting your application Have you ever gone to see a home and found a landlord standing there watching you? Following you room to room, trying to listen to your comments, and "eyeing you up" evaluating you as a possible tenant? Isn't it horrible? Makes you feel like you have to walk thru the house quick and get out of there, doesn't it? Even worse, have you ever been told "meet me there at 5pm" only to find out you and 3 other folks who want the same house are there at 5pm also? Ugly, now you really have to go fast to beat out the others and you really might not like the house but simply got caught up in the excitement to BEAT the other folks. Vista has a special program JUST FOR YOU! Because you've been there and done that, Vista's "Key Sign Out" Program has benefits JUST FOR YOU! - Allows YOU to take Your time - Check out your future home at your leisure - Imagine where you'll put your furniture, sofa, kitchen table & chairs, - Check out the yard, the neighborhood. - This might be YOUR HOME. - We want YOU to make the right decision. - It's not much fun feeling pressure with somebody breathing down your back or following you around room to room asking if you like it,  being put "under the gun" to make a fast and quick decision. If You want these Benefits and more for You to check out your Home, Vista has 1 Simple Easy Step for You, .... simply sign out a key! Now You got it straight from the Horse's mouth to have a better understanding of this true benefit for you. Give Us A Call Now We'll Have your key ready for you to sign out. Call 502.896.2595                 Application Process, How Long Does It Take to Process My Application? Vista strives to process your application in 2 hours! On rare occasions it may take up to day. For example, if you submit your rental application at 3:30pm on a Friday afternoon, please understand your application will not be processed until Monday morning. more information about processing applications: HOMES labeled as "READY NOW" - take priority over "expected available" soon. - We try to complete your application within 2 hours on business days.  - Sometimes processing takes longer due to items beyond our control. - Such things as verifying your rental history sometimes requires written or faxed requests and former Landlords do not always make You their top priority; however, we are successful at processing your application within 24hrs in most cases. IMPORTANT: Once approved, You have 24hrs to properly complete your rental agreement or Vista may move to the next application for this property. We apologize for this 24 hour rule; but, this prevents more problems than it causes.  For example, imagine you want the home on 123 Main Street and you learned an approved applicant is in front of you. You know they have 24 hours from the time they are approved before they disqualify their own application for not showing up, and now you can rent the home you wanted. How long would you want to wait?  Each day delayed is also another day of lost rent. Although this policy seems strict, it really does prevent problems instead of causing problems. HOMES "EXPECTED AVAILABLE SOON" - these applications are processed in a timely manner, usually within 3 days. - Sometimes processing takes longer due to items beyond our control. - Such things as verifying your rental history sometimes requires written or faxed requests and former Landlords do not always make You their top priority; however, we are successful at processing your application within 3 business days in most cases.                   Animals May Be Allowed!                 Safe and legal animals that do not damage or reduce value of property may be allowed with an animal deposit. As noted recently in the national news, a jury convicted a couple of manslaughter from the actions of their animals they referred to as "pets". Locally, a child was killed by animals contained in a 6 foot tall fenced yard. There is a major community push to protect people, especially children, from potentially dangerous animals. Insurance Companies are taking very aggressive action because of these concerns involving dangerous animal. Many insurance companies are canceling policies WITHOUT NOTICE upon discovery of certain animals. Some insurance companies use a list of dangerous animals compiled by the National Center for Disease Control in Atlanta, Georgia. If your animal is on the list, it could pose problems in the near future. Our animal policy is subject to change without notice as a result of changes from our insurance carriers. Animals not in violation of any local ordinance or insurance regulation are usually accepted providing an "animal deposit" has been paid and the monthly rent includes an additional $25.00 for each animal. Vista values animals and pets. Animals must be:           - safe           - allowed by all local laws, regulations, etc.           - not pose a threat, hazard, or nuisance to others or property           - allowed by insurance company If your animal complies with these guidelines, your pet will be accepted. The only exception would a property owner who specifically states in their management contract "no animals are allowed."   (FYI, at this time, we have no owners that forbid animals) Vista values animals, pets, people and property!                 "Approved App Pending" What does Approved App Pending mean? A Home is labeled "approved application pending". Vista will label a home "approved application pending" upon completing the application process of a qualified applicant for this home. This status does not state that the home is rented, it simply means a qualified application has been received and they have not completed their rental agreement to begin renting the home. Occasionally a person submits applications for homes all over Louisville at the same time (not all Vista Homes) and unfortunately sometimes they do not answer the phone or return messages. Although we can not explain their actions, we will not remove a property from our available homes list until the home is actually rented. How long can we hold a home for a qualified applicant? What about the people like yourself who want to rent this home --- you are asking -- how long is Vista going to allow an application to tie up this home? THEREFORE, Once approved, an applicant has 24 hours to complete the rental agreement producing all funds needed. Unfortunately, some folks promise the moon and never deliver. Their actions resulted in the creation of the 24 hour rule. Due to the actions of some, we were required to develop a policy that is fair to all applicants. Now, imagine having your application "behind" these folks. You are hoping that they fall apart so you can rent it. How long would you want to wait? Hopefully, this will help you understand this policy. If the Home you like is labeled "approved app pending", PLEASE, fill out an application. If the applicant ahead of you falls apart, the next application will be processed - make sure it is YOURs! If your application is "behind" or a back-up to the approved app pending, and the status of the home changes to "rented," you will be notified of this action and will be given the opportunity of returning your application fee or hold for another home.   If YOU WAIT to see what happens to this home, YOU might lose. Somebody else can submit a back up application in front of you. Vista wants to rent all homes quickly.                 Rent with Option to Buy What is "Rent with Option to Buy?"                          Vista offers this program to help customers become homeowners. We are proud of our Option to Buy Program because it is unique compared to most Option plans offered by others in our business. Here is a brief summary of Vista's Option to Buy Program. Option to Buy: - similar to putting "dibbs" on your home - LOCKS in your purchase price for 12 months! - monthly rent is discounted cheaper than regular rent - allows you opportunity to 1.) obtain financing 2.) exercise your Option 3.) and purchase your Home Most other programs charge an additional monthly fee for participation in an Option plan. Vista actually discounts your monthly rent with your participation in our Option to Buy Program. If someone approaches Vista and wants to buy the house you are renting with an Option to Buy, -- no deal -- You have an exclusive Option to Buy on your home and nobody can buy it during your Option period. Established Vista customers may be offered Owner Financing, including no money down, after developing an excellent relationship with Vista Properties, Inc. Option Fees are determined by the Sale Price of the Home and generally start at $1,500 What's The Catch?   ( the fine print and ugly part ) Vista's Rent with Option to Buy Program details: -You Are Purchasing An "Option" to Buy Your Home. This is NOT "down payment"... not yet, but it could be... It becomes part of your down payment when you "exercise" your Option. "Exercise" your Option simply means when you "buy your home." Until you "Buy Your Home," You have simply purchased an "Option." - BENEFITS For You To Purchase an OPTION TO BUY Allows You to LOCK YOUR PURCHASE PRICE for the time period specified. Gives You The Opportunity to Get Your Own Loan to buy your home. Start building your excellent relationship with Vista to qualify for Seller Financing. If you have "dings" on your credit report, Vista will help you enroll in our Free Credit Repair program to help you qualify for a great low rate fixed interest rate on your home loan as soon as possible, especially since rates are at an all time record historic low. On this program you will see yourself feeling great about your home and you becoming a homeowner. There is a huge powerful feeling of being a "homeowner" vs. "just renting." You will immediately begin to discover all of the benefits available for "Home Owners". Such things as additional tax benefits where Uncle Sam allows you to deduct the mortgage interest paid directly from your earned income. For example, let's say you make $50,000 annually. If your house payment is $600 monthly and $500 goes toward interest, ( $500 X 12 Monthly Payments = $6,000 ), then Uncle Sam immediately adjusts your taxable earned income from $50,000 down to $44,000 resulting in a huge drop in the amount of income tax you pay every year. Your Option Fee provides you the benefits listed above. At the time you exercise your Option to Buy and actually purchase your home, your fee will be credited to the purchase price. Vista's program has discounted monthly rent for customers who purchase an Option to Buy; therefore, no part of the monthly rent is credited toward the purchase price of the home. What happens if I do not exercise my Option to Buy? Sometimes this happens. You have several choices: a.) You will NOT forfeit your entire Option Fee ( a portion equivalent to a security deposit is set aside for you ) b.) maintain excellent relationship with VISTA  & pursue Owner Financing c.) You may renew or purchase another Option   Grab Your Option Now!                 SECTION 8 Do You Rent to Section 8? The Section 8 program is a federal subsidized housing program. As we understand it, local agencies can be approved to operate a federally approved Section 8 program. There could be several agencies locally that participate in this program. Vista participates with the Metro Housing Section 8 program. This is the Section 8 office located at 801 Vine St. in Louisville, Kentucky. If you have attended your briefing, received your white packet, you may begin your search for a home located in JEFFERSON COUNTY. Homes located outside of Jefferson County, Kentucky can not use this local agency.   The Section 8 program uses a "Voucher System" based on NUMBER OF BEDROOMS. - Your Housing Choice Voucher is based upon number of bedrooms, NOT the Dollar Amount. - The dollar amount listed on your voucher is for a Home where the rent includes ALL UTILITIES. - Almost all single family homes for rent do NOT include utilities with the rent.   When You Contact Our Office YOU will be asked the following about Your Section 8: Are You on the Metro Housing Section 8 program? Have you attended your briefing? Do you have your white packet? How many bedrooms on your Housing Choice Voucher? Please Do NOT Shop by the Dollar Amount of Your Voucher. Please Use The Number Of Bedrooms. Providing the local Section 8 office agrees to the rent amount, many homes are available on this Section 8 program. Unfortunately, there are many homes with rent exceeding the maximum rent allowed by the Section 8 program; therefore, preventing participating families from pursuing these homes.                     "TENANT FINDER HOME" What is a "Tenant Finder Home"? YOU need a Home -- Vista wants to help QUALIFIED Owners and Landlords may list their available homes on our website. If your application is approved, you will be renting from the Tenant Finder Home owner.                   Owner Financing Can Vista finance my home purchase? Vista is not in the business of making loans for home purchases. Vista is in the business of keeping good customers for a long time. On occasion, we have assisted many established Vista customers with the purchase of their home, especially those customers with Option to Buy. Sometimes the Buyer may be short on some down payment cash needed to secure a better interest rate on a home loan, and in these type cases, Vista has financed part of their down payment money. In a few situations where an established customer has trouble getting a decent interest rate on a home loan due to some glitches on their credit report; but, they have maintained an excellent payment history over 24 months or more with Vista, we have financed the purchase of their home using "Contract for Deed" and Owner Financing purchase plan. If you feel like you can not buy a home right now, Vista might be your answer. Call today.                     Get $8,000 or more FREE When You Buy A Vista Home                                      The recent Stimulus Package has some super benefits for 1st time home buyers. What is a 1st time homebuyer? this new law defines a "1st time home buyer" as anyone who has not owned a home within the last 3 years. How Do I Get $8,000 or More When I Buy A Vista Home? When you buy a Vista home, you will get "handholding" for the entire process. Vista has a dedicated staff person who is up to date on this entire process. You can begin your There are several ways for you to take advantage of this huge benefit. 1.) Buy a Vista Home by getting your own home loan or just pay cash. 2.) As an established Vista resident, you may immediately qualify. 3.) You may purchase an "Option To Buy" to begin the process. The stimulus package allows each qualified 1st home buyer to apply for a tax credit of 10% of the home purchase price up to a maximum of $8,000. For Example: If you buy a home for $60,000 you would be eligible to apply for $6,000 tax credit. If you buy a home for $50,000 you would be eligible for $5,000 tax credit. If you buy a home for $90,000 you would be eligible for $8,000            This is because the limit on this program is 10% of purchase price up to 80k More Interesting News: If a couple is married, and one does not qualify as a 1st time home buyer, then neither can qualify as a 1st home buyer. If a couple is not married, and one does not qualify as a 1st time home buyer, then only one can use the 1st time home buyer tax credit. Therefore, if an unmarried couple buys a home and both are 1st time home buyers, then each person may qualify for the 1st time home buyer tax credit with a maximum of $8,000 each. Let's expand on this one: Suppose an unmarried couple and both qualify as 1st time homebuyers, purchase a home for $120,000, then both may be eligible. To keep it simple, just split the purchase price in half... resulting in each may be eligible for $6,000. This would result in $12,000 in tax credit (free money) for this couple. If the same couple buys a home for $160,000 they may be eligible for up to $8,000 each for a total of $16,000.   This $8,000 Free Money Program Has A Deadline! When this Tax Credit was first enacted, it had an expiration date of November 30, 2009. Just recently, a new law extended this deadline to April of 2010. Make sure you take advantage of this BIG perhaps once in a lifetime opportunity to get Uncle Sam to pay 10% on the purchase of your home. Call Vista's in house expert "Beth" at 502.896.2595 to get all of YOUR details.                What should I consider before looking for a Vista Home? Even before starting to look at homes, find out what price home you can afford. In general, you can afford to rent three times your net monthly income. More precisely, the price you can afford to pay for a home will depend on five factors:                                      income cash available outstanding debts credit history current interest rates These items listed here are geared specifically for the purchase and are consideration factors with renting a home. The qualifying standards to rent are much easier than trying to qualify for a home loan to purchase. The rule of thumb in renting a home is that the monthly rent should not be more than 30% of your net monthly income. You can always pay rent in advance to avoid the income qualifier. Co-Signers may be used to qualify for income. Many folks purchase an Option to Buy to help qualify.                   Financing Programs Several financing packages are available for HomeBuyers. Owner Financing or Seller Financing is available on many Vista Homes. Most folks begin with purchasing an "Option To Buy" and begin establishing their relationship with Vista. Simply by being responsible, making your payments on time, maintaining your home and lawn along with not causing problems, Vista may assist with financing your home purchase. Vista is not in business of making loans; but, Vista does want to help you become a Home Owner quickly. Do you have Credit Problems or need Credit Repair? Vista Offers several qualified Credit Repair Programs to help you get your own home loan while interest rates are at an all time record low rates.   Are there first time buyer discounts? Numerous programs exist to help first time buyers purchase a home. A host of private lenders offer low-down payment loans. The U.S. Department of Housing and Urban Development offers a variety of programs includes the 1st Time HomeBuyer's Tax Credit is a HUGE Success and is available now thru April 2010. Call 502.896.2595 to get the most up to date details.                  My Question Is Not Listed Here                     Credit Repair Service for FREE! Welcome To Original Credit Coach Use This Vista Approved Credit Repair Program Vista Will PAY You For Your Credit Repair! when you get your own home loan for your Vista Home! The most comprehensive system of credit repair available on the planet! You have several options with Original Credit Coach. 1.) "Do It Yourself"  ( includes a comprehensive Do It Yourself Kit ) 2.) Allow Us To Do All The Work for Your Credit Repair. Our system has a proven track record of success. Let us help you get on the road to repair your credit today!         About Terms Of Use Vista Properties, Inc. Website Terms of Use BY USING THIS WEB SITE, YOU INDICATE YOUR AGREEMENT WITH THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, DO NOT USE THIS WEB SITE. 1. ACCEPTANCE OF TERMS  Vista Properties, Inc. and Vista Realtors, ("Company") provides this website, e-mail newsletter(s), and other Web services to you, subject to the following Terms of Service ("Terms of Service"), which may be updated by us from time to time without notice to you. You can review the most current version of the Terms of Service at www.VistaKy.com and clicking on Terms of Use. In addition, when using particular Company services, you will be subject to any posted guidelines or rules applicable to such services which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the Terms of Service. You are responsible for regularly reviewing these terms and conditions. 2. DESCRIPTION OF SERVICE  Company currently provides users with access to a collection of on-line resources through its network of web and e-mail properties (the "Services"). Unless otherwise specified, the Services are for your personal and non-commercial use. Unless explicitly stated otherwise, any new features that augment or enhance the current Services, including the release of new Company properties, will be subject to the Terms of Service. You understand and agree that the Service is provided "AS-IS" and that Company assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.  In order to use the Services, you must obtain access to the World Wide Web and/or e-mail, either directly or through devices that access web-based and e-mail content, and pay any service fees associated with such access. In addition, you must provide all equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device. 3. 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Because Company has no control over such sites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Company will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource. 11. COMPANY'S PROPRIETARY RIGHTS  You acknowledge and agree that the Services contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Services or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Company or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Services or its Content, in whole or in part. 12. DISCLAIMER OF WARRANTIES  YOU EXPRESSLY UNDERSTAND AND AGREE THAT:  a. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  b. COMPANY MAKES NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, OTHER SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.  c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. 13. LIMITATION OF LIABILITY  YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR OTHER SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; OR (v) ANY OTHER MATTER RELATING TO THE SERVICES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE COMPANY WEB SITES, SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE COMPANY WEB SITES AND SERVICES. 14. EXCLUSIONS AND LIMITATIONS  SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 12 AND 13 MAY NOT APPLY TO YOU. 15. SOFTWARE AVAILABLE ON THE WEB SITES  Software (if any) that is made available to download from the Company Services, excluding software that may be made available by end-users through a Communication Service, ("Software") is the copyrighted work of Company, Inc. and/or third party vendors. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. All Software owned by Company and/or its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions. 16. NOTICE  Notices to you may be made via either email or regular mail. The Services may also provide notices of changes to the Terms of Service or other matters by displaying notices or links to notices to you generally on the Services.