Terms of Service

Last Updated: July, 2025

• 1. Acceptance of Terms:

Welcome to BostonDownPayment.org (the “Site”), operated by Boston DPA Consulting, LLC (“Company,” “we,” or “us”). By accessing or using this Site, you (“User” or “you”) agree to be bound by these Terms of Service (“Terms”) and all applicable laws and regulations. If you do not agree with these Terms, you must not use the Site. These Terms govern your use of our website and any content, functionality, and services offered through the Site. (If you become a paying client of Boston DPA Consulting, additional terms and a separate client agreement will apply to the consulting services, which will supersede any conflicting provisions in these Terms for the scope of that engagement.)

• 2. Description of Services:

Boston DPA Consulting provides information and consulting services related to down payment assistance programs, homebuyer coaching, and related financial guidance. The Site serves as an informational and interactive platform where users can:

• Learn about our services, expertise, and general information on down payment assistance.

• Submit inquiries or requests for consultation (via forms).

• Access resources such as blog posts, FAQs, success stories, and program overviews.

• (If applicable) create an account or login as a client to access materials (currently, major client interactions are via direct communication, not through a login portal on the Site, but if we introduce a portal, it will be covered by these Terms).

This Site is intended for use by individuals interested in down payment assistance for themselves (e.g., prospective homebuyers or investors). It is not a platform for commercial competitors or unauthorized use.

• 3. User Responsibilities and Conduct:

By using the Site, you agree to use it only for lawful purposes and in accordance with these Terms. Specifically, you agree:

• Accurate Information: If you fill out any forms on the Site (such as a consultation request or email signup), you will provide truthful, accurate, current, and complete information. Do not impersonate any person or entity or misrepresent your identity.

• Account Security (if applicable): If the Site allows account creation and you create an account:

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree to notify us immediately at [contact email] of any unauthorized use of your account or any other breach of security.

We are not liable for any loss or damage arising from your failure to keep your account secure.

• Prohibited Uses: You will NOT:

Use the Site in any way that violates any applicable federal, state, local, or international law or regulation.

Attempt to gain unauthorized access to any portion of the Site, other user accounts, or any systems or networks connected to the Site, through hacking, password mining, or any other illegitimate means.

Engage in any conduct that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site (e.g., sending a virus, initiating a denial-of-service attack, scraping data excessively).

Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose without our express prior written consent (such as for scraping content or data mining).

Post or transmit any material that is defamatory, harassing, threatening, obscene, pornographic, fraudulent, or otherwise objectionable or that infringes on our or any third party’s intellectual property or other rights.

Use the Site to advertise or promote any products or services not provided by us, or engage in any spam, chain letters, or unsolicited mass mailing.

Reverse engineer, decompile, or disassemble any portion of the Site, or attempt to discover the source code or algorithms used by the Site, except to the limited extent allowed by law (and if so, with prior notice to us).

• User Content: If the Site allows you to submit or post content (such as comments on a blog or testimonials):

You are solely responsible for content you post. By posting, you warrant you own or have rights to the content, and it does not violate any laws or rights.

You grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, modify, and display such content in connection with operating the Site and our business. (For instance, if you leave a testimonial comment, we can feature it.)

We reserve the right to remove any user-submitted content at our discretion (for example, if it’s inappropriate or off-topic).

• No Professional Advice via Site: While our site provides information on down payment assistance, the use of the Site does not create a client-consultant relationship. (See Disclaimer below and in our separate Disclaimer document.) You should not act or refrain from acting based solely on site content; always consult a professional advisor for personalized advice.

• 4. Intellectual Property Rights:

Site Content: The Site and its entire contents, features, and functionality (including text, graphics, logos, button icons, images, videos, audio clips, data compilations, software, and the arrangement thereof) are owned by Boston DPA Consulting, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Trademarks: “Boston DPA Consulting,” our logo (the house and dollar sign emblem), and related names and logos are trademarks or service marks of Company. You must not use these marks without our prior written permission. All other names, logos, product and service names mentioned are the trademarks of their respective owners (e.g., the term “MassHousing” or “FHA” might appear, which belong to those entities).

License for Personal Use: We grant you a limited, non-transferable, non-exclusive license to access and use the Site and its content for your personal, non-commercial use only. You may print or download portions of the Site content for your own informational use (for example, printing a blog article for reference) — provided you do not remove any copyright or other proprietary notices.

Restrictions: You may not:

Modify copies of any materials from the Site.

Use any illustrations, photographs, or video/audio sequences separately from the accompanying text or attribution.

Reproduce, distribute, publicly display, or create derivative works of any Site content for commercial purposes without obtaining a license from us.

Use our content in a manner that suggests an association with our Company or any of our services without permission.

Feedback: If you provide us with feedback, suggestions, or ideas about the Site or our services (“Feedback”), you agree that we are free to use and implement such Feedback without compensation or attribution to you. (This helps us improve.)

• 5. Reliance on Information; No Professional Advice:

The information presented on or through our Site is made available solely for general informational purposegleam.io】. While we strive for accuracy, we do not warrant that any content is complete, reliable, or up-to-date. Any reliance you place on such information is strictly at your own risk.

The Site may include information on down payment assistance programs, homebuying tips, interest rates, or case studies. Such information is not tailored to your personal situation and does not constitute financial, legal, or real estate advice. (See our separate Disclaimer document for detailed limitations).

We may update site content from time to time, but site content could be out of date at any given time, and we are under no obligation to update it promptly. For example, a blog post from 2024 about a program might not reflect changes in 2025.

Third-Party Content: Our Site might include content provided by third parties (for instance, a guest blog or quotes of statistics). These third-party materials do not necessarily reflect our views, and we are not responsible or liable for any third-party content.

If you need specific advice (financial planning, legal matters, mortgage decisions, etc.), you should consult a qualified professional. Use of our Site is not a substitute for professional consultation.

• 6. Disclaimer of Warranties:

Your use of the Site is at your own risk. The Site and all content, information, and services provided through it are provided on an “AS IS” and “AS AVAILABLE” basis without any warranties of any kind, either express or implied.

To the fullest extent permissible under applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that:

The Site will be available at any specific time or location, or uninterrupted or secure. (We aim for uptime, but cannot guarantee no downtime or errors.)

Any defects or errors will be corrected promptly.

The Site will be free of viruses or other harmful components. (We take precautions, but you are responsible for running antivirus software.)

The results of using the Site or any content will meet your expectations or achieve any particular outcome.

Any material downloaded or otherwise obtained through the Site is accessed at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results.

Exceptions: Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such jurisdictions, our liability is limited to the minimum extent permitted by law.

• 7. Limitation of Liability:

To the maximum extent permitted by law, in no event shall Boston DPA Consulting, LLC, its affiliates, employees, agents, officers, or directors be liable for any indirect, special, incidental, consequential, or punitive damages arising out of or relating to your use of, or inability to use, the Site or its content. This includes, but is not limited to, damages for:

Loss of profits, business, or anticipated savings;

Loss of use, data, or goodwill;

Cost of procurement of substitute goods or services;

or other intangible losses, even if we have been advised of the possibility of such damages.

In particular:

We will not be liable for any errors or omissions in any content on the Site, or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, or otherwise made available via the Site.

If you rely on information on our Site and experience a financial loss or missed opportunity (for instance, you didn’t apply for a program or made a purchase decision based solely on something from our blog), we are not responsible for that outcome.

We shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control (see Force Majeure below).

Maximum Liability: If, notwithstanding the other provisions of these Terms, we are found liable to you for any damage or loss arising from or in any way connected with your use of the Site, our total cumulative liability shall in no event exceed the greater of (a) the total fees (if any) you paid to us in the six months prior to the claim, or (b) US $100.00.

This limitation applies whether the alleged liability is based on contract, tort (including negligence), strict liability, or any other basis.

Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not fully apply to you. In such cases, our liability is limited to the least extent permitted by law.

• 8. Indemnification:

You agree to indemnify, defend, and hold harmless Boston DPA Consulting, LLC and its affiliates, and their respective officers, directors, employees, contractors, and agents (the “Indemnified Parties”), from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:

Your violation of these Terms or misuse of the Site,

Your breach of any representation or warranty made by you in these Terms,

Any content or information you provide to the Site (such as user comments or uploaded materials) that infringes any intellectual property or privacy rights of any person or defames any person,

or your violation of any law or regulation or rights of a third party in connection with your use of the Site.

We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you (in which case you agree to cooperate with our defense of such claim). You agree not to settle any such matter without the prior written consent of Boston DPA Consulting.

• 9. Third-Party Links and Resources:

The Site may contain links to third-party websites or resources for your convenience (for example, links to external down payment assistance program websites, housing agencies, partner organizations, or articles of interest). These links are provided as a convenience only:

No Endorsement: A link to a third-party site does not signify endorsement, sponsorship, or affiliation with that third party. We have no control over the content or practices of third-party sites.

Different Terms Apply: If you access a third-party website via our Site, you do so at your own risk. Different terms of use and privacy policies may apply to those sites. We are not responsible for the content or accuracy of any third-party websites, nor for any loss or damage you may incur from interacting with them.

For example, if you click a link to apply to a state-run grant program, any information you provide on that state’s website is governed by their policies, not ours.

We welcome linking to public pages on our Site (like someone linking our blog post), but you must ensure it’s done in a fair and legal way that does not damage our reputation or take advantage of it. You must not frame our Site within another site, or imply any association or approval by us where none exists.

• 10. Sweepstakes and Promotions:

From time to time, we may offer promotions, sweepstakes, or contests for users or clients (for example, the prize drawings described on our Site). If you choose to participate, such promotions may have additional rules or terms. Any such terms are in addition to these Terms, and in case of a conflict, the specific promotion rules will govern for that promotion’s mattergleam.io】. (See Official Sweepstakes Rules provided on our Site for details on those promotions.)

• 11. Termination:

We reserve the right to terminate or suspend your access to all or part of the Site, without notice and in our sole discretion, for any reason (including violation of these Terms).

The provisions of these Terms that by their nature should survive termination (such as Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law) shall survive any termination.

If you wish to terminate your own use of the Site, you can simply stop using it. If you had an account, you may ask us to deactivate it.

Upon termination, your right to use the Site will immediately cease. We also reserve the right to remove or refuse to post any user contributions (if interactive areas exist) for any or no reason.

• 12. Governing Law and Jurisdiction:

All matters relating to the Site and these Terms (and any dispute or claim arising therefrom or related thereto) shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, USA, without giving effect to any choice or conflict of law provision.

You agree that any legal suit, action, or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the federal or state courts located in Boston, Massachusetts. You waive any objections to the exercise of jurisdiction over you by such courts and to venue in such courts (though if you are entitled by law to the courts of your home jurisdiction, this provision does not override such rights).

Arbitration Option: At our sole discretion, we may require any dispute between us (except injunctive relief for IP or certain statutory claims) to be resolved by binding arbitration, in which case it would take place in Boston, MA under the rules of the American Arbitration Association. If we do not elect arbitration, or if arbitration is not enforceable, you consent to the court jurisdiction as above.

Time Limit: Any cause of action or claim you may have arising out of or relating to the Site or these Terms must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred (this does not apply where prohibited by law).

• 13. Miscellaneous:

Force Majeure: We are not liable for any failure or delay in performance due to causes beyond our reasonable control, such as acts of God, war, terrorism, civil unrest, natural disasters, power or internet outages, or governmental action.

Waiver and Severability: No waiver by the Company of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of that term or any other term. If any provision of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, such provision will be eliminated or limited to the minimum extent so that the remaining provisions of the Terms will continue in full force and effect.

Entire Agreement: These Terms, along with our Privacy Policy and Disclaimer and any applicable additional terms or rules (like sweepstakes rules, or client agreements for paid services), constitute the entire agreement between you and Boston DPA Consulting regarding your use of the Site, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties (both written and oral) regarding the Site.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to an affiliate or in connection with a merger, acquisition, or sale of assets.

Headings: Section headings in these Terms are for convenience only and have no legal effect.

• 14. Disclaimer (Summary):

We include on our Site a comprehensive Disclaimer (see our separate Disclaimer page) that covers important points: no financial or legal advice given, no guarantee of results, etc. By using our Site, you acknowledge that you have read that Disclaimer and understand that our content is for informational purposes only and not to be relied upon as professional advice. (In case of any inconsistency between the Disclaimer and these Terms, the more specific provision applies to the relevant subject matter.)

• 15. Contact Information:

If you have any questions about these Terms or wish to report a violation, please contact us at:

Email: [[email protected]]

Mail: Boston DPA Consulting, [Address], Boston, MA [ZIP]

Attn: Website Terms Administrator

By using our Site, you signify your acceptance of these Terms. Thank you for visiting BostonDownPayment.org.

(The Terms of Service ensure that users know the ground rules for using our site, protect our intellectual property, limit our liability, and direct how disputes will be handled. Users are reminded to consult our Disclaimer and Privacy Policy for additional information.)