Disclaimer and Terms of Use
	The NH First-Time Homeowners Club (and its corresponding web site) is a service of Compass Mortgage, Inc.
	Compass Mortgage, Inc. is engaged in the business of originating, purchasing, and selling mortgage loans secured primarily by single family, multi-family, and condominium residences. Investors purchase conforming loans (generally those borrowers with perfect or good credit) and non-conforming loans (generally below average and delinquent credit).
	Compass Mortgage, Inc. is registered and/or licensed to originate, purchase closed loans, underwrite, fund, or sell residential mortgage loans in the state of New Hampshire.
	By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. Compass Mortgage Inc. may, from time to time, revise these Terms of Use. Therefore, you should periodically visit this page to determine the then-current Terms of Use. Your continued use after the posting of any revisions to the Terms of Use will constitute your agreement to be bound by such revisions. If you do not agree to these Terms of Use, do not use this Site.
	The materials provided on this Web Site are intended for informational purposes only and are not intended to constitute a guarantee of financing. Despite the efforts of Compass Mortgage, Inc. to provide accurate information, it is not possible to ensure that all information is constantly correct. The materials contained on this Web Site could include technical inaccuracies or typographical errors. Compass Mortgage, Inc. assumes no responsibility or liability for any actions taken as a result of using this Web Site, or for errors, or omissions in the materials on this web site. If you have any questions about the accuracy of site content, immediately call Charley Farley at Compass Mortgage Inc. at (603) 471-9300 or e-mail charley.farley@weloannh.com.
	SITE MATERIALS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, HABITABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
	This Site may contain links to – and content from -- third-party sites, which are not under Compass Mortgage, Inc.'s control. Compass Mortgage, Inc. is not responsible for the contents of, nor does it necessarily endorse, any third-party sites that are linked to or from this Site.
	Further, Compass Mortgage, Inc. does not warrant the accuracy of completeness of information, text, graphics, links or other items contained within these materials. In no event shall Compass Mortgage, Inc. be liable for any damages, on any theory of liability whatsoever, resulting from loss of use, data or profits, whether or not we have been advised of the possibility of such damage arising out of or relating to the use of the materials. The materials are subject to change without notice and do not represent a commitment of Compass Mortgage, Inc. in the future.
	You acknowledge and agree that your access and use of this Site and the services available at this Site are being rendered in the United States, and you agree therefore, that these Terms of Use will be interpreted, construed, and enforced in all respects in accordance with the laws of the United States, without reference to its choice of law principles. You further agree to comply with all applicable laws and regulations of the various states and of the United States and the laws of New Hampshire in particular, including all export and re-import laws and regulations. To the extent any dispute is not resolved as indicated above, the parties agree not to commence or prosecute any suit or claim to enforce these Terms of Use or otherwise arising under or by reason of these Terms of Use.
	If any provision of this agreement is found to be invalid, all other terms and conditions of this agreement shall remain unaffected and shall continue in full force and effect.
	See our Privacy Policy for further information and terms and conditions regarding the use of any personal information you provide us. By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions contained in the foregoing documents. If you do not agree to these terms and conditions, do not use this Site.