Terms & Conditions

Hoper Terms & Conditions

Last Updated Feb 5 2026

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.

By accessing, browsing, or using the Websites, you acknowledge that you have read, fully understand, and agree to the terms of this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference, as well as any other policy, agreement, or terms incorporated into this Agreement by reference as outlined below.

For purposes of this Agreement:
· “You” or “your” means the person(s) using the Websites and/or Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or Services.
· “Hoper,” “us,” “our,” or “we” includes Hoper, and any of its affiliates or subsidiaries.
· “Provider(s)” includes, but may not be limited to, online lead aggregators, and other entities that partner with Hoper and offer, solicit, arrange, or broker products or services through the Websites.

We reserve the right, at our sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such change upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites and Services are intended for individuals at least 18 years old and accessing the internet from a physical location within the United States. By using or accessing the Websites or Services, you acknowledge that you are at least 18 years old and accessing the internet from a physical location within the United States.

Some Services are subject to additional terms and conditions we make available to you in connection with the same, which may include usage policies and eligibility requirements, such as certain age or geographic restrictions (collectively, “Additional Terms”). By using our Services, you agree to and are bound by any such Additional Terms, and such Additional Terms are incorporated herein and made a part hereof by this reference. To the extent any Additional Terms conflict with this Agreement, the Additional Terms shall control for that specific instance of conflict.

You are solely responsible for your conduct in connection with the Services.

You must not:

1. Alter, delete, or conceal any copyright, trademark, service mark, or other notice contained on the Websites, Content, and/or Services, and/or modify, reverse engineer, decompile, or disassemble any part of the same, whether in whole or in part, or create any derivative works from any part of the Websites, Content, and/or Services, or encourage, assist, or authorize any third party in doing so;

2. Engage in or encourage conduct that (1) would violate any applicable law or violate or infringe upon any intellectual property, proprietary, privacy, moral, publicity, or other rights of ours or of any other third party; (2) affects adversely or reflects negatively on Hoper, its affiliates, the Websites, Content, Services, our goodwill, name, or reputation or causes duress, distress, or discomfort to us or anyone else; and/or (3) discourages any person or entity from using all or any portion, features, or functions of the Websites, Content, or Services, or from advertising, linking, or becoming a Provider to us;

3. modify, disrupt, impair, alter, or interfere with the use, features, function, operation, or maintenance of the Websites, Content, or Services or the rights, use, or enjoyment of the same by any other user;

4. impersonate any person or entity or falsely state or otherwise represent your affiliation with a person or entity;

5. solicit passwords or personally identifiable information for commercial or unlawful purposes from other users of the Websites, Content, or Services;

6. access or use the Websites, Content, or Services or any element(s) thereof, in whole or in part, (1) to train any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms (whether via the development or modification of a dataset, scraping, or reproducing content or data (or any caches or archives thereof), feature extraction methodologies or otherwise); or (2) in connection or combination with any data, information, content, and/or materials generated or developed by, with, or resulting from the use of any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms, in each case, without the express, prior written consent of Hoper (which may be withheld in Hoper’s sole and absolute discretion);

7. engage in spamming, flooding, or harvesting of email addresses or other personal information; and/or

8. engage in or facilitate “spidering,” “screen scraping,” “phishing,” “database scraping,” “web site crawling,” “indexing,” “data extraction,” or any other similar activity on, through, or in connection with the Websites, Content, or Services for any purpose.

We may use a chatbot on certain Websites to help provide customer service and support, including through the use of a virtual assistant (“Chatbot”). The Chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language as if it were a real person using a combination of pre-programmed scripts, machine learning, and generative artificial intelligence (“AI”). When asked a question, the Chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept the chatbot is not programmed to understand, it will advise of its limitations. The Chabot functionality is limited to Hoper customer service and support inquiries and may not be monitored in real time. By using the Chatbot, you agree that (1) your use of the Chatbot will be limited to Hoper customer service and support inquiries, and (2) we may use transcripts of your interactions with the Chatbot and the information you provide to the Chabot for quality control, customer service, fraud prevention, and security.

You shall at all times exercise reasonable care in using the Chatbot, and shall use the Chatbot in strict accordance with (1) this Agreement, our Privacy Policy, the Ratings & Reviews and User-Generated Content policy, and any other applicable Additional Terms; (2) any usage policies made available by Hoper, including those set forth under the Code of Conduct above; and (3) all applicable laws, rules, and regulations. You are responsible for the information you share with the Chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. By using the Chatbot, you agree not to input such sensitive or confidential information.

By using the Chatbot, you acknowledge that you are interacting with artificial intelligence. We continually work to improve the Chatbot to make it more accurate, reliable, safe, and beneficial, but given the probabilistic nature of machine learning and AI, use of the Chatbot may generate or result in inappropriate, inaccurate, or unreliable responses. You are solely responsible for evaluating any information, content, responses, or other output generated by or through the Chatbot (collectively, “Output”) and the accuracy thereof, including through independent human review of such Output. Without limiting the generality of the terms under Disclaimers and Liability below, we cannot and do not represent, warrant, or guarantee the accuracy, reliability, or suitability of any Output. You acknowledge and agree that Hoper and the Hoper Parties (as defined below) shall not be liable for any loss or damage caused by or resulting from your reliance on any Output or the content of your communications with the Chatbot. To the extent any Output contains information on any specific product, service, or partner, you acknowledge and understand that the Websites and Services (and as a result, the Chatbot) do not include all products, services, offers, issuers, or credit or service providers available in the marketplace. Additionally, products, services, and offers that may appear in any Output may be from companies from whom Hoper receives compensation. Your use of the Chatbot constitutes your awareness and acknowledge of this compensation and the limitation of products, services, and offers displayed or presented on or via the Websites or Services. If you have any inquiries regarding your interaction with the Chatbot or any Output, please reach out to us at privacy@Hoper.com.

Generally, widgets are tools that may be placed on websites that allow website visitors to access and view content on or from another website. Widgets published by Hoper (“Widgets”) provide access to the Websites, Content, and Services from points outside the Websites. Widgets may be placed on third-party websites, including blogs and social media pages, and other similar platforms (to the extent permitted by such websites or platforms).

Hoper prohibits the placement of Widgets on websites, platforms, or devices that contain content that is sexual, violent, offensive, discriminatory, misleading, deceptive, or illegal in nature or that in any way promotes or encourages hatred, violence, discrimination, or illegal activities, or is otherwise inappropriate as determined by Hoper in its sole discretion. You agree to use Widgets in a manner consistent with all applicable laws and solely for lawful purposes. You agree not to use Widgets for any other purpose, and nothing in this Agreement shall be deemed to grant you any right, title, or interest in the Widgets, Websites, Content, Services, or Hoper. Hoper reserves the right to remove or demand the removal of any Widget and/or revoke your right to use any Widget, for any reason and for any amount of time.

By accessing and using any Widget (including copying any Widget html code), you agree to the following:

1. You may only display the Widget on a website you own and operate and not in any other manner or in any other medium.

2. You may not modify any Widget. Without limitation, you may not change any code provided by Hoper, obscure or disable any element of any Widget, tag links to Hoper from the Widget with a “nofollow” attribute, or otherwise prevent or discourage search engines from following or scoring link.

3. Except for displaying the Widget, you agree not to make any representations, warranties (express or implied), or other statements concerning Hoper or the Websites, Content, Services, or Providers.

4. You may not display any Widget in any manner that implies affiliation with, or sponsorship or endorsement by, Hoper.

5. You must place the Widget on a page that is context-appropriate to the content of the Widget, and any reference to Hoper or its products and services must be accurate. For example, you may place a Widget on a webpage that contains discussion of personal finance, mortgages, or residential real estate.

6. You may not place a Widget on any site that:
a. contains content that is in any way unlawful, harmful, obscene, offensive, harassing, hateful, discriminatory, or otherwise objectionable in Hoper’s sole discretion;
b. disparages Hoper; the Websites, Content, or Services; or Providers or their products or services;
c. infringes any Hoper intellectual property or other rights; or
d. violates any applicable law.

7. You may not use data collected or otherwise obtained through Widgets, Websites, Content, or Services, whether directly or indirectly, for any unauthorized purpose, including but not limited to training any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms (whether via the development or modification of a dataset, scraping, or reproducing content or data (or any caches or archives thereof), feature extraction methodologies or otherwise).

8. Hoper grants you a limited, non-transferable, non-assignable, non-exclusive, revocable right to (1) download and/or display a Widget solely in accordance with the terms of this Agreement; and (2) solely in connection with a Widget, display our logos, trademarks, trade names, and other content as displayed through the Widget. This Agreement does not grant you any right in any Hoper code, content, logo, or trademark beyond the limited permission to display a Widget granted herein. In its sole discretion, Hoper reserves the right at any time to change or modify Widgets or terminate or modify your permission to download or display Widgets. We may cease to return content from a Widget at any time in our sole discretion.

9. You acknowledge and agree that Hoper may crawl or otherwise monitor your website or utilize any other methods to detect and address unauthorized or improper use of Widgets, Websites, Content, or Services in order to verify compliance with this Agreement.

10. Widgets and any information, software, and related services are provided “as is” and “as available” with no warranty of any kind. Hoper expressly disclaims any warranties that may be expressed or implied by law regarding any Widget, including warranties of accuracy or non-infringement. Use of Widgets is at your own risk. Hoper is not liable for any direct, indirect, punitive, incidental, special, or consequential damages or other injury arising out of or in any way connected with the use of any Widget, whether resulting in whole or in part from breach of contract, tortious behavior, negligence, strict liability, or otherwise.

11. Hoper reserves the right to modify this Agreement in its sole discretion at any time without notice. You are responsible for regularly reviewing this Agreement, and your continued use of any Widget after the effective date of such changes constitutes your acceptance of, and agreement to, any such changes.