Terms of Use

Terms of Use

Notice

Home Savings is providing this web site (the "Site") to you subject to the following terms and conditions ("Terms"). These Terms should be read carefully as they exclude or limit Home Savings' liability and set forth the terms and conditions that apply to your use of the Site. By using the Site, you agree to be bound by the Terms below. If, at any time, the provisions of these Terms are not acceptable to you or if you do not agree to be bound by these Terms, your only remedy is to discontinue your use of the Site.

Copyright© Home Savings

Content in the pages, in the screens displaying the pages and in the information, materials and other content contained in the Site are owned by Home Savings unless otherwise indicated and protected by United States and International copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, sold or otherwise used for public or commercial purposes without the express written consent of Home Savings.

Products and Services

The information, materials, products and services on the Site are subject to change without notice to you. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and the approval of Home Savings in its sole and absolute discretion. No solicitation is made by Home Savings to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law. Deposit and lending products and services are generally provided through Home Savings, which is a member FDIC and an Equal Opportunity Lender.

Investment and insurance products and services are provided through a third party broker dealer with whom Home Savings contracts and (i) are not FDIC-insured; (ii) are not deposits or obligations of, or guaranteed by, any bank; and (iii) involve investment risks, including the possible loss of the principal amount invested.

Tools & Calculators

This Site may contain tools and calculators. Home Savings provides tools and calculators as a service to users, for educational purposes only. Home Savings does not guarantee the accuracy of the calculators or the results. Home Savings is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

Submissions

All information submitted to Home Savings via this Site shall be deemed and remain the property of Home Savings and Home Savings shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information you provide Home Savings through this Site. Home Savings shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Home Savings' responsibilities and obligations to customers in accordance with its privacy policy as shown on this website.

Security

We welcome your e-mail correspondence. But e-mail communications are not confidential. It is possible that information transmitted to us may be read or obtained by other parties. In an attempt to protect your privacy, our e-mail responses do not include personal account information such as social security numbers or account numbers. E-mail is an important communication channel for our website's visitors. We will use your e-mail address and the content of any e-mail for correspondence purposes and to meet our legal and regulatory requirements regarding customer communications. On occasion, we may use your e-mail address to send you communications with information about service and product information that we believe may be of interest to you. If you do not want to receive such unsolicited communications from us, you may "opt out" at any time by clicking the link provided in each email.

Links to this Site

Links to this Site should not be established without the express prior written consent of Home Savings. Requests for consent should be mailed to:

Home Savings
ATTN: Marketing Dept.
275 West Federal Street
Youngstown, OH 44503

Third-Party Links

Home Savings has provided hypertexts links and pointers to web sites maintained by third parties that are not part of the Site for you to access in your sole discretion and may from time to time provide third-party materials on the Site ("Third-Party Sites"). Neither Home Savings nor its affiliates or suppliers operates or controls in any respect any information, products or services on these Third-Party Sites. We make no representations and you expressly agree that Home Savings is not responsible for any losses or damages in connection with the information, security, privacy practices, availability, content or accuracy of materials of such Third-Party Sites. Our providing hypertext links to these Third-Party Sites is not a guarantee or endorsement of the products, services, information or recommendations of such Third-Party Sites and Home Savings is not liable for any reliance upon or the failure of any products or services advertised on these or any other Third-Party Sites. Also, you should be advised that Third-Party Sites might have a privacy policy different from that of Home Savings and Third-Party Sites may provide less security than this Site.

Disclaimer of Warranties

Access to and use of the Site is at your own risk and Home Savings or its suppliers do not warrant that the use of this Site or any material downloaded from it will not cause damage to any property, or otherwise minimize or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Home Savings accepts no liability in respect of losses or damages arising out of changes made to the content of the Site by unauthorized third parties.
THE INFORMATION CONTAINED IN THIS SITE, INCLUDING TEXTS, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS". NEITHER HOME SAVINGS NOR ITS SUPPLIERS WARRANT THE AVAILABILITY, ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ACCESSED ON OR THROUGH THE SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THE SITE. NO WARRANTY OF ANY KIND, WHETHER IMPLIED OR EXPRESSED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGMENT, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES.

Limitation of Liability

IN NO EVENT SHALL HOME SAVINGS OR ITS THIRD-PARTY SUPPLIERS BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES, LOSSES OR EXPENSES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES ON THIS SITE OR IN CONNECTION WITH ANY FAILURE OF AVAILABILITY, PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF HOME SAVINGS OR ITS THIRD-PARTY PROVIDERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. The foregoing limitation may not apply to the extent such limitation is prohibited by applicable law.

Governing Law and Jurisdiction

You agree that your use of the Site shall be governed by all applicable Federal laws and the laws of the State of Ohio without giving effect to any principles of conflicts of law. You consent to the exclusive jurisdiction of courts sitting in the State of Ohio in all disputes arising out of or relating to the contents or use of this web site.

General Provisions

If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect. This agreement constitutes the entire agreement between you and Home Savings with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Home Savings with respect to this web site. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

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