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All rights in and to copyrights, trade secrets, patents, trademarks and other rights in and to the CS Materials shall be our property and shall remain with us (or, as applicable, our third-party licensors). You agree that you will not modify, enhance, disassemble, or reverse engineer any parts of the CS Materials in any manner or for any reason. You agree to use the CS Materials solely for personal, non-commercial use in accordance with these Terms and Conditions. In order to access the CreditSmart Essentials, CreditSmart Coach or CreditSmart Homebuyer U, you must first register on the CreditSmart website. You may use the CS Materials only in accordance with these Terms and Conditions. You acknowledge that you have and will receive no ownership or other rights in the CS Materials, except to the extent of the rights expressly granted in these Terms and Conditions, and you agree that you will treat all nonpublic information and data concerning the CS Materials as strictly confidential.
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You understand and agree that CreditSmart ® is purely an educational tool and neither Freddie Mac nor CreditSmart ® provides financial advice, accepts loan applications, makes credit decisions or can approve you for any type of loan.ĬreditSmart ® and the CS Materials are the sole and exclusive property of Freddie Mac. Your continued use of or access to the CS Materials following the posting of any changes constitutes acceptance of those changes.įreddie Mac (also referred to as “we”, “us” or “our”) provides tools, services and information through the CS Materials to support and assist you in educating yourself in financial capability, getting you mortgage ready and preparing you for homeownership.įreddie Mac reserves the right at any time to modify, alter or discontinue, whether temporarily or permanently, in whole or in part, the services available under the CS Materials, the CS Materials itself, or any part of either or both with or without prior notice and Freddie Mac will not be liable to you or to any third party for any such modification, suspension, or discontinuance. Freddie Mac reserves the right to update, change or replace any part of the CS Materials and/or these Terms and Conditions by posting updates and/or changes on the CS Materials webpage. You can review the most current version of the Terms and Conditions at any time from the “Legal” link. If you do not agree to all of the Terms and Conditions, you are not authorized to access or use the CS Materials.Īny new features, tools or modules that may be added to the CS Materials will be subject to these Terms and Conditions. By accessing or using the CS Materials, you hereby acknowledge that you (i) are 18 years of age or older, and (ii) have read these Terms and Conditions and agree to be legally bound by them and all terms that are or may hereafter be incorporated into them by reference.
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These CreditSmart ® Terms and Conditions, along with the Freddie Mac Website Terms and Conditions and the Freddie Mac Website Privacy Policy, govern the access and use of the CreditSmart ® suite of educational materials including CreditSmart ® Essentials, CreditSmart ® Coach, CreditSmart ® Homebuyer U, CreditSmart ® Español, CreditSmart ® Asian and CreditSmart ® Military Financial Readiness (CreditSmart, its services and materials, collectively referred to as the “CS Materials”).