You are visiting a website owned by Hoper, the sponsor of the Hope for Homeownership Research Program. Hoper stands for Home Ownership Promotion Education and Research (Hoper). This Terms of Use Agreement (“Agreement”) applies to all websites owned or operated by Hoper, and its affiliates and subsidiaries (“Websites” or each individually “Website”) on which this Agreement or a link thereto is displayed. This Agreement also applies to your use of any goods, facilities, or services offered through the Websites (collectively “Services”), regardless of where or how they are accessed, including but not limited to via a desktop computer or mobile device. It is important that you read the entire Agreement carefully as some provisions affect your legal rights. The Agreement includes an agreement to resolve any disputes between you and us through binding arbitration, a class action waiver, as well as other important disclaimers, warranties, and limitations on liability.