Terms & Privacy

HMGS Group, LLC (“HOME MONEY”, “we”, “our” or “us”) provides its services globally and is responsible for the collection and use of personal data under this Privacy Policy.

We leverage technology responsibly to power prosperity around the world, and we believe that everyone has a right to privacy. We view privacy as a key part of the value that we deliver to our customers.

When you visit our website and more generally, use any of our services (the “Services“, which include the website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously.

In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it.

This privacy notice applies to all information collected through our Services (which, as described above, includes our website), as well as, any related services, sales, marketing or events.

Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.

If you have questions or comments about this Privacy Statement or our practices, please contact us via the feedback form below.

Personal information you disclose to us.

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when registering on the Site, when filling out the application form, express an interest in obtaining information about us or our Services, when you participate in activities on the Website or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the Website, the choices you make and the Services and features you use. The personal information we collect may include the following:

– Personal Information Provided by You. We collect information to verify your identity, including your name; email address; citizenship; date of birth; phone numbers; registration address; residence address; copy/photo of your valid identification or passport; location information (if you grant permission to do so in your device settings); data collected from surveys; usernames; passwords; number of unique views and total number of visitors when you deploy your cookie banner using our consent management solution; financial information (e.g., your bank details, including your personal checking account; last four digits of your debit or credit card number, card type, issuing bank, expiration date, card origin by country); and other similar information.

– Biometric Information. We collect biometric information from you when you fill out the application form on our website as part of our anti-fraud protection, authentication and customer support activities. These identifiers may include short selfie video (certain features of our website may have access to your camera if you grant permission in your device settings). We use Biometric Information to identify and authenticate you, and for security and similar purposes. When we collect Biometric Information, you will receive a specific notice and consent request at the time of that collection. You are not required to consent to the collection of Biometric Information in order to use our services, although some functionality may not be available if you decline and you may withdraw your consent at any time.

– Payment Data. We may collect data necessary to process your payment (One-time commission fee and General monthly payment) such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by Stripe. You may find their privacy notice link here: https://stripe.com/privacy

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

In case your personal data have changed or you accidentally made an error when filling out the application form on our website, you can make corrections in the application form and then send it again.

Information automatically collected.

In Short: Some information – such as your Internet Protocol (IP) address and/or browser and device characteristics – is collected automatically when you visit our Website.

We automatically collect certain information when you visit, use or navigate the Website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Website and other technical information. This information is primarily needed to maintain the security and operation of our Website, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies. You can find out more about this in our Cookie Notice.

The information we collect automatically includes:

– Log and Usage Data. Log and usage data is service-related, diagnostic, usage and performance information our servers automatically collect when you access or use our Website and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings and information about your activity in the Website (such as the date/time stamps associated with your usage, pages and files viewed, searches and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called ‘crash dumps’) and hardware settings).

– Device Data. We collect device data such as information about your computer, phone, tablet or other device you use to access the Website. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model Internet service provider and/or mobile carrier, operating system and system configuration information.

– Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Website. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. Note however, if you choose to opt out, you may not be able to use certain aspects of the Services.

Information collected from other sources.

In Short: We may collect limited data from public databases, marketing partners, social media platforms, and other outside sources.

In order to enhance our ability to provide relevant marketing, offers and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, social media platforms, as well as from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs and custom profiles, for purposes of targeted advertising and event promotion. If you interact with us on a social media platform using your social media account (e.g. Facebook or Twitter), we receive personal information about you such as your name, email address, and gender. Any personal information that we collect from your social media account depends on your social media account’s privacy settings.

In Short: We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.

We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.

We use the information we collect or receive:

– To facilitate account creation and logon process.

– To manage user accounts. We may use your information for the purposes of managing our account and keeping it in working order.

– To request feedback. We may use your information to request feedback and to contact you about your use of our Services.

– To verify the identity of our users and to protect our Services. We may use your information as part of our efforts to keep our Services safe and secure (for example, for fraud monitoring and prevention).

– To enforce our terms, conditions and policies for business purposes, to comply with legal and regulatory requirements or in connection with our contract.

– To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

– To fulfill and manage your orders. We may use your information to fulfill and manage your orders, payments, upgrades, or refunds made through the Website or otherwise through our Services.

– To deliver and facilitate delivery of services to the user.We may use your information to provide you with the requested service.

– To respond to user inquiries/offer support to users. We may use your information to respond to your inquiries and solve any potential issues you might have with the use of our Services.

– To administer prize draws and competitions. We may use your information to administer prize draws and competitions when you elect to participate in our competitions.

– To send you marketing and promotional communications. We and/or our third-party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. For example, when expressing an interest in obtaining information about us or our Services, subscribing to marketing or otherwise contacting us, we will collect personal information from you. You can opt-out of our marketing emails at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the feedback form below.

– To send administrative information to you. We may use your personal information to send you product, service and new feature information and/or information about changes to our terms, conditions, and policies.

– To deliver targeted advertising to you. We may use your information to develop and display personalized content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.

– For other business purposes. We may use your information for other business purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Website, Services, products, marketing and your experience. We may use and store this information in aggregated and anonymized form so that it is not associated with individual end users and does not include personal information. We will not use identifiable personal information without your consent.

In Short: We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.

We do not sell, rent or trade any of your personal information to or share it with unaffiliated third parties for their own advertising or marketing purposes.

We may share your information with third parties in certain situations. In particular, we may share your data with third party processors as needed to serve our legitimate business interests, which include administration of our website, administration of your account, entering into contracts with you, communicating with you, identifying trends, protecting the security of our company and website, and marketing additional goods and services to you.

The legal basis for our disclosure of your data is both your Consent to this Privacy Policy and our own right to protect and promote our legitimate business interests.

We may process or share your data that we hold based on the following legal basis:

– Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.

– Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.

– Performance of a Contract:Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.

– Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).

– Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

More specifically, we may need to process your data or share your personal information in the following situations:

– Business Transfers.We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

– Vendors, Consultants and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service and marketing efforts. We may allow selected third parties to use tracking technology on the Website, which will enable them to collect data on our behalf about how you interact with our Website over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, pages or features, and better understand online activity. We have contracts in place with our data processors, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organization apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct.

– Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

– Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.

In Short: We may transfer, store, and process your information in countries other than your own.

We are a global business. Personal Data may be stored and processed in any country where we do business or our service providers do business. We may transfer your Personal Data to countries other than your own country, including to the United States. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. Officials (such as law enforcement or security authorities) in those other countries may be entitled to access your Personal Data.

We are based in the United States and our servers are located in the United States.

If you are located in the European Economic Area (EEA) or United Kingdom (UK), then these countries may not necessarily have data protection laws or other similar laws as comprehensive as those in your country. With that in mind, we use appropriate safeguards when we transfer your information outside the EEA or UK to ensure your personal information remains protected and to comply with applicable data protection laws. The bases, mechanisms, and measures we rely on include:

– Adequacy Decisions. When applicable, we may rely on EU or UK adequacy decisions to transfer your information outside the EEA or UK. When the relevant EU or UK authority issues an adequacy decision, that means they found the third country to offer adequate protection for personal information.

– Derogations. We may transfer information based on a derogation listed in Article 49 of the GDPR. We will only do so if the transfer of information meets specific strict conditions.

– Standard Contractual Clauses: We have implemented measures to protect your personal information, including by using Standard Contractual Clauses for transfers of personal information between us and our group companies and between us and our third-party providers. These clauses require all recipients to protect all personal information that they process originating from the EEA or UK in accordance with European data protection laws and regulations. We have implemented similar appropriate safeguards with our third-party service providers.

– Supplementary Measures.When necessary, in addition to the Standard Contractual Clauses, we may adopt technical, contractual, and organizational supplementary measures to better ensure that the level of protection guaranteed by the GDPR is not undermined by the transfer.

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We retain your Personal Data as long as we are providing the Services to you or our Users (as applicable). Even after we stop providing Services directly or indirectly to you, and even if you close your account we keep your Personal Data in order to comply with our legal and regulatory obligations. We may also keep it to assist with our fraud monitoring, detection and prevention activities. We also keep Personal Data to comply with our tax, accounting, and financial reporting obligations. In all cases where we keep data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of Personal Data. We maintain organizational, technical and administrative measures designed to protect Personal Data covered by this Privacy Policy against unauthorized access, destruction, loss, alteration or misuse. Your Personal Data is only accessed by a limited number of personnel who need access to the information to perform their duties. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (e.g., you feel that the security of your account has been compromised), please contact us immediately using the feedback form below.

In Short: We do not knowingly collect data from or market to children under 18 years of age.

Our services are not directed to minors. We do not knowingly collect data from or market to children under 18 years of age. By using our Website, you represent that you are at least 18. In some countries, we may impose higher age limits as required by applicable law.

If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from minors, please contact us using the feedback form below.

In Short: You may have choices regarding our collection, use and disclosure of your Personal Data:

Opting out of receiving electronic communications from us.

If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you other messages in connection with providing our Services.

How you can see or change your account Personal Data.

If you would like to review, correct, or update Personal Data that you have previously disclosed to us, you may do so by signing in to your account or by contacting us.

In case your personal data have changed or you accidentally made an error when filling out the application form on our website, you can make corrections in the application form and then send it again.

Cookies and similar technologies.

Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Website.

Your data protection rights.

Depending on your location and subject to applicable law, you may have the following rights with regard to the Personal Data we control about you:

– The right to request confirmation of whether we process Personal Data relating to you, and if so, to request a copy of that Personal Data;

– The right to request that we rectify or update your Personal Data that is inaccurate, incomplete or outdated;

– The right to request that we erase your Personal Data in certain circumstances provided by law;

– The right to request that we restrict the use of your Personal Data in certain circumstances, such as while we consider another request that you have submitted (including a request that we make an update to your Personal Data);

– Where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time;

– In some cases, you may also have the right to object to the processing of your Personal Data.

Process for exercising data protection rights.

To exercise your data protection rights please contact us using the feedback form below. We will comply with your request to the extent required by applicable law. We will not be able to respond to a request if we no longer hold your Personal Data. If you feel that you have not received a satisfactory response from us, you may have the right under applicable laws to consult with the data protection authority in your country.

For your protection, we may need to verify your identity before responding to your request, such as verifying that the email address from which you send the request matches your email address that we have on file. Authentication based on a government-issued and valid identification document may be required.

If we no longer need to process Personal Data about you in order to provide our Services, we will not maintain, acquire or process additional information in order to identify you for the purpose of responding to your request.

In Short: If you are a resident of California, you are granted specific rights regarding access to your personal information.

If you are a consumer located in California, we process your personal data in accordance with the California Consumer Privacy Act (CCPA).

Your CCPA Rights and Choices.

As a California consumer and subject to certain limitations under the CCPA, you have choices regarding our use and disclosure of your personal information:

Exercising the right to know.

You may request the following information about the personal information we have collected about you:

• the categories and specific pieces of personal information we have collected about you;
• the categories of sources from which we collected the personal information;
• the business or commercial purpose for which we collected the personal information;
• the categories of third parties with whom we shared the personal information;
• the categories of personal information about you that we disclosed for a business purpose, and the categories of third parties to whom we disclosed that information for a business purpose.

Exercising the right to delete.

You may request that we delete the personal information we have collected from you, subject to certain limitations under applicable law.

Non-discrimination.

The CCPA provides that you may not be discriminated against for exercising these rights.

To submit a request to exercise any of the rights described above, please contact us using the feedback form below.

In Short: We will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

If applicable law requires that we obtain your consent or provide notice in a specified manner prior to making any changes to this Privacy Policy applicable to you, we will provide such required notice and will obtain your required consent.

AGREEMENT TO TERMS.

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and HMGS Group, LLC (“HOME MONEY”, “we”, “our” or “us”), concerning your access to and use of the website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms of Use.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of these Terms of Use. It is your responsibility to periodically review these Terms of Use to stay informed of updates.

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.

You may not access or use any Services unless you agree to abide by all of the terms and conditions in this Agreement. These Terms of Use shall remain in full force and effect while you use the Site.

If you have questions or comments about this Terms of Use, please contact us via the feedback form below.

The Site is our proprietary property and all source code, databases, functionality, software, website designs, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions.

Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES.

By registering for an Account, you agree that such registration constitutes your electronic signature, and you consent to electronic provision of all disclosures and notices. You also agree that your electronic consent will have the same legal effect as a physical signature.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records.

To participate in the HOME MONEY program, you need to pay a one-time commission fee, which is 1% of the amount you requested to receive and represents the administrator’s expenses related to the functioning, maintenance, and organization of the program.

You can pay the one-time commission fee in any banking institutions, both in cash and in non-cash forms. The instruction for paying the one-time commission fee is available on the website in your online account by clicking on the GET THE INSTRUCTIONS button (step 9). The date of receipt of the participant’s money to the administrator’s account shall be considered the fact of payment.

Once the commission fee has been transferred to the administrator’s account, your agreement is activated and you become a participant of the program. Thereafter, you are eligible to participate in the forthcoming monetary fund allocation event.

The Participant, who has expressed a desire to terminate the Agreement prior to its activation, shall notify the Administrator of their intention by sending an application via the feedback section on the website. The application must clearly indicate the decision of the Participant to terminate the Agreement, requesting the refund of the paid commission fee to the specified current account. Under such conditions, the Administrator shall refund the funds paid by the Participant within sixty (60) banking days of receipt of the application from the Participant.

In case the Participant wishes to terminate the Agreement after its activation, the commission fee will not be refunded to the Participant.

You undertake to make the general payment until the twenty-seventh (27th) day of each month. The general monthly payment consists of the net payment and administrative expenses.

The obligation to make the general monthly payments arise from the month following the month in which your agreement was activated.

The general monthly payments can be made in any banking institutions, both in cash and in non-cash forms. The instruction on how to make the general monthly payment is available on the website in your online account by clicking on the MAKE THE GENERAL MONTHLY PAYMENT button. The date of receipt of the participant’s money to the administrator’s account shall be considered the fact of payment.

The general monthly payment is added to the number of payments list and is automatically recorded in the payment schedule in your online account on the website (step 9). You can control the payment dates, their number, and amounts using this schedule.

Upon receiving the requested funds, you have the right to early and at once make general monthly.

General payments paid ahead of time are credited as the fulfillment of your payment obligations in the current month and in the next month you are not exempt from timely payment of the mandatory general payment.

Under no circumstances shall the Administrator be entitled to demand early repayment of the unpaid part of the debt obligation or on a unilateral basis increase administrative expenses and other payments provided for in the agreement.

In case the Participant wishes to terminate the Agreement after its activation, the administrative expenses will not be refunded to the Participant. The Administrator shall refund the paid net payments to the Participant within sixty (60) banking days after the closure of the monetary fund. The Administrator shall have the right to close the monetary fund based on the relevant order, after all the Participants of the Program fulfil their payment obligations.

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE OF OUR SERVICES.

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE AND OUR SERVICES.

YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICES, AND YOUR USE OF OUR CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES.

WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR

• ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE;
• ANY PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE;
• ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN;
• ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY.

We expressly disclaim any and all responsibility for any actions or omissions you choose to make as a result of using this website or the materials contained herein.

You expressly acknowledge and understand that any information or knowledge you gain as a result of using this website is used at your own risk. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. If you have legal or financial questions, you should consult a lawyer and/or CFP respectively. Should you need any further information, please do not hesitate to contact us via the feedback form below.

These limitations on our liability to you will apply regardless of the legal theory on which your claim is based, including contract, tort (including negligence), strict liability, or any other theory or basis.

NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.

These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions.

You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.

These Terms of Use and your use of the Site are governed by and construed in accordance with United States law. Any dispute arising out of or related to the information contained herein is subject to adjudication in the state of New York, USA.

In need of a better of life, today a lot of people ask the question: “Where do I get the money?” They compare the conditions of receiving funds offered by different financial organizations and prefer the HOME MONEY program. What we do is socially important, useful, and in demand. We are often contacted by people who have been denied loans by banks, who have several loans, bad credit history, officially unemployed, or those who don’t want to deal with hidden commissions, charges, and payments that banks make them pay.

The HOME MONEY program is fully focused on remote customer service, thus it managed to gain a great deal of popularity in a short period of time, earned a reputation of a stable partner, earned recognition and trust of people.

The terms and conditions of receiving the funds under the HOME MONEY program meet all requirements of law unconditionally. These terms and conditions are available to everyone and designed to provide a comprehensive solution to the most important problems everyone faces in life. They are estimated to be more loyal and favorable than in most financial institutions:

• you are not limited as far as the requested monetary sum is concerned, and can get from 10,000 USD to 10,000,000 USD for any purpose and needs;
• you’ll get an affordable monthly payment given the low annual percentage rate: 1% – 2,5% (administrative expenses);
• your general monthly payment is always unchanged and fixed, without any additional payments, insurances, commissions, etc.;
• you can make the general monthly payments early, so that you could fulfill your payment obligations before the due date;
• to receive the requested funds, you will not need a guarantor, collateral, or proof of employment and income;
• you will get the money transferred to your current account (any bank card opened in your name) which you will choose to specify and use this money at your discretion.

The HOME MONEY program has a high degree of reliability and a solid reputation. We operate within the legal framework and always fulfil our obligations, providing maximum guarantees of receiving the money. We help families with their accommodation and transportation needs and on their path towards education and business development. The HOME MONEY program gives the opportunity to purchase expensive goods and services and to refinance in other banks.

Today, the program has a lot of grateful clients who have been able to realize their plans and wishes thanks to it. We, for our part, will be glad to help you as well!

To receive funds under the HOME MONEY program, you need to sign up on the website. After that, you will get instant access to your online account without authorization. A confirmation letter will be sent to the e-mail address specified during the registration. It contains your login and password details which you will need for subsequent access to your online account.

Please follow the step-by-step guide that you can find in your online account. It contains 9 steps. By clicking on each step, you will get detailed information about the program which will help you fully understand the conditions of receiving funds:

Step 1: Learn about your benefits;

Step 2: Learn about how soon you can get the money;

Step 3: Learn about liability;

Step 4: Choose the amount of the requested monetary sum;

Step 5: Get acquainted with the payment schedule;

Step 6: Learn about the payment rules;

Step 7: Learn about the guarantees;

Step 8: Fill out the application form;

Step 9: Activate the agreement.

In accordance with Art. 3 (p. 3.1.1), to activate the agreement you need to pay a one-time commission fee which is 1% of the amount you requested to receive and represents the administrator’s expenses related to the functioning, maintenance, and organization of the program.

You can pay the one-time commission fee in any banking institutions, both in cash and in non-cash forms. The instructions for paying the one-time commission fee will be generated when clicking on the GET THE INSTRUCTIONS button (step 9).

In accordance with Art. 1 (paragraph 1.3) of the agreement, once the commission fee has been transferred to the administrator’s account, your agreement is automatically activated and you become a participant of the program. Thereafter, you are eligible to participate in the forthcoming monetary fund allocation event.

The date of the forthcoming monetary fund allocation event is set individually for each participant, depending on the agreement activation date and will be communicated to you through a corresponding notification to the e-mail address that you specified during sign-up. This date will also be automatically displayed in your online account on the website, in the RESULTS OF THE MONETARY FUNDS ALLOCATION section.

Access to the minutes of meeting of the monetary fund allocation event allows you, on a daily basis, to get a complete and transparent picture of the program and to control the allocation of the monetary funds. Information on calculation of the monetary funds formation, the number of the participants of the program, as well as the agreement activation date is accessible to you, so you can independently plan the deadlines of receipt of the requested funds.

In accordance with Art. 3. (clause 3.1.2); Art. 5 (clause 5.1.) of the agreement, you undertake to make the general payment until the twenty-seventh (27th) day of each month. The obligation to make the general monthly payments arise from the month following the month in which your agreement was activated.

The general monthly payments can be made in any banking institutions, both in cash and in non-cash forms. The instruction on how to make the general monthly payment is available on the website in your online account by clicking on the MAKE THE GENERAL MONTHLY PAYMENT button. The date of receipt of the participant’s money to the administrator’s account shall be considered the fact of payment.

The general monthly payment is added to the number of payments list and is automatically recorded in the payment schedule in your online account on the website (step 5). You can control the payment dates, their number, and amounts using this schedule.

The monthly total payment consists of:

1) Administrative expenses from 1% to 2.5% per annum (of the requested amount of money) which are the payment for the administrator’s services related to the organization of the program activities, namely:

• organization and maintenance of the monetary records;
• holding the monetary fund allocation events;
• ensuring the participants of the program are provided with requested monetary sums;
• controlling the refund of the issued funds to the monetary funds;
• providing information support to the participants of the program;
• assistance in gathering and filling out of the necessary documents;
• control over compliance by the participants with the terms and conditions of the agreement;
• maintaining records of personalized payments made by the participants of the program, and many other things.

2) Net contribution which is calculated by dividing the requested amount of money by the payment period. In accordance with the terms and conditions of the agreement, the administrator on behalf and in the interest of the participant forms the monetary funds and issues the requested amounts of money to the participants of the program using net contributions.

In accordance with the terms of Art. 6 (clause 6.4.) of the agreement, the authorization to receive the requested monetary sum is provided to the Participants of the Program in the amount set by the Administrator, taking into account the size of the fund, which is formed no later than one (1) calendar day before the date of the event.

In order to grant the authorization to receive the requested funds, the committee determines the size of the monetary fund and defines the participants who have their agreements activated earlier, taking into account all the requirements for making the general monthly payments. After that, a decision is made to grant such participants the authorization to receive the requested funds, which is recorded in the minutes of meetings of the monetary fund allocation event.

In case the participant failed to make the mandatory general payment in due time, before obtaining the authorization to receive the requested funds, then in accordance with Art. 6 (clause 6.3.) of the agreement, the participant loses the right to participate in the monetary fund allocation event until the general payment is made, and their priority position to receive the funds is given to other participants.

If the participant has reinstated their agreement after a certain period of time by making the general monthly payment, and in case such participant has a lower number of general payments made than the participants who activated the agreement later, this participant loses their priority position to receive the requested money sum to those participants whose number of general payments made is higher.

By paying the general monthly payment, before receiving the requested funds, each participant confirms their solvency, which eventually minimizes and practically reduces to zero the percentage of unscrupulous payers. This method of proving solvency of the participants is the most efficient and effective, considering that the program works with all categories of population, and to receive funds, the administrator does not require the participant to provide guarantors, collateral, or proof of employment and income.

In accordance with the terms of Art. 6 (clause 6.4.) of the agreement, prior to obtaining the authorization, the Participant may, with the consent of the Administrator, change the amount of the monetary sum upwards, but not more than the maximum amount provided for by the program. In this case, the Participant is obliged to notify the Administrator of their intention by sending an application via the Feedback section on the Administrator’s website. The application must clearly indicate the decision of the Participant to change the amount of the requested monetary sum and the new amount that the Participant intends to receive under the terms of the program.

In the event the Administrator’s consent is obtained through the appropriate notification sent to the Participant’s e-mail address, to transfer to the Administrator’s account the difference in the one-time commission fee and general payments arising from the increase in the amount of the monetary sum, in accordance with the payment schedule.

The date of the monetary fund allocation event will not change in connection with the increase in the amount of the requested monetary sum.

In accordance with Art. 6 (clause 6.9.) of the agreement, each participant who took part in the monetary fund allocation event, has the right to know about its results. This information is made available on the website in the manner prescribed by the administrator while not violating the proprietary interests of the participants in order to comply with the confidentiality stipulated in the agreement.

The minutes of meeting contain a full calculation of the monetary fund formation, which includes:

• Monetary fund balance from the previous event (unallocated sum of the net payments);
• The amount of unclaimed authorizations (the amount of the net payments which were not issued to the participants in accordance with Art. 7 (clause 7.4.));
• Net payments when the participants change the amount of the monetary sum upwards (if the participant changes the amount of the requested monetary sum in accordance with Art. 4 (clause 4.2.)), the net payments, that were already paid, are automatically transferred from the fund, in which the participant was previously listed, to the fund, to which the participant has been transferred, after changing the amount of the monetary sum upwards);
• Net payments credited for a certain period;
• The total amount of the monetary fund for allocation;
• Granted authorizations (the amount intended for issuing of the requested funds for the participants of the program);
• Monetary fund balance for the next event (unallocated net payments which are included in the monetary fund for the next monetary fund allocation event).

In accordance with Art. 6 (clause 6.8.) of the agreement, in the event that, at a certain date of the monetary fund allocation event, there are not enough funds that constitute the fund for allocation, the accumulated amount shall be included in the monetary fund for the next event, which is planned by the relevant minutes of meetings which set the date of the next event.

The date of the next monetary fund allocation event shall be communicated to the participant by sending the appropriate notification to the participant’s e-mail. This date will also be automatically displayed in your online account on the website, in the RESULTS OF THE MONETARY FUNDS ALLOCATION section.

In accordance with Art. 6 (clause 6.5.) of the agreement, the authorization received by the Participant, based on the results of the monetary fund allocation event, shall serve as the basis for providing the requested monetary sum to the Participant at the expense of the monetary fund.

The authorization to receive funds is recorded in the RESULTS OF THE ALLOCATION OF THE MONETARY FUNDS section.

The administrator will also notify you when you have been granted the authorization by sending a corresponding letter to the e-mail address specified by you. You will be given a detailed instruction concerning all concerning everything you need to do to receive funds and also assistance in gathering and filling out of the necessary documents.

You will be required to provide the Administrator with your bank details, including your personal checking account. You will also need to sign the contract provided by the Administrator which defines and sets forth the terms and conditions for fulfillment of payment obligations by you. The content of this contract is a copy of the content of the agreement that you can find in your online account on the website (Step 9). You will need to send all required documents to receive the requested monetary sum to the administrator’s email address.

After that, in accordance with Art. 7 (clause 7.1.) of the agreement, within three (3) banking days, you will be provided with the requested monetary sum by a wire transfer to your online account (bank card), the details of which you specified.

In accordance with Article 7 (clause 7.4) of the agreement, if the participant fails to comply with the requirements to provide the necessary documents, their authorization will be revoked. The amount of the revoked authorization shall be included in the monetary fund for the forthcoming monetary fund allocation event, which is recorded in the relevant minutes of meetings. In this case, the Participant is deprived of the right to receive the requested amount of the monetary funds until the next authorization of which the Administrator shall notify the Participant by sending the appropriate notification to the Participant’s e-mail address.

In accordance with Art. 5. (clause 5.2.) of the agreement, the Participant, after receiving the requested monetary sum, has the right to prepay and simultaneously make any amount of the general payments. In this case, the Participant will fulfil their payment obligations in full before the due date.

The general payments paid ahead of time are credited as the fulfilment of the Participant’s payment obligations in the current month, and in the next month, the Participant is not exempt from timely payment of the mandatory general payment provided for in clause 5.1. of the agreement.

In accordance with Art. 5. (clause 5.4.) of the agreement, under no circumstances shall the Administrator be entitled to demand early repayment of the unpaid part of the debt obligation or on a unilateral basis increase administrative expenses and other payments provided for in the agreement.

In accordance with Art. 9 (clauses 9.2.; 9.3; 9.4.) of the agreement, the participant who received the requested monetary sum and failed to make the general monthly payment in due time shall be charged a fine of 1% of the overdue sum of the general payments for each day of delay.

The fines paid are used to form a special fund which serves to guarantee return of issued funds in case of unforeseen situations with a program participant (accident, disability, no property, etc.).

The amount of fine is automatically displayed on the website in the participant’s online account, in a modal window, displaying a reminder of the debt payment, and in the payment schedule (step 5). Moreover, a corresponding notification is automatically sent daily to the participant’s email address specified in the questionnaire.

Data of such participants are transferred to the department that handles nonpaying participants and controls the situation with debt repayment. In case of a failure to pay the debt and fines within 15 days, the administrator contacts the participant by phone to discuss the situation.

In the event of financial difficulties or other circumstances rendering the participant unable to pay off their debt within the period set forth in the agreement, the participant has the right to request a deferment and a waiver of fines. This can be done by using the feedback form on the website or by sending a letter to the administrator’s email address, specifying the reason and the exact debt repayment date.

If the administrator is unable to get ahold of the participant who failed to pay the debt within the timeframes specified in the deferred payment request, the administrator files the debt claim case in any justice court and a complaint for forfeiture of the participant’s property.

In accordance with Art. 8. (clause 8.1.; 8.2.; 8.3;) of the agreement, the participant, who has expressed a desire to terminate the Agreement prior to its activation, shall notify the Administrator of their intention by sending an application via the feedback section on the Administrator’s Website. The application must clearly indicate the decision of the Participant to terminate the Agreement, requesting the refund of the paid commission fee to the specified current account. Under such conditions, the Administrator shall refund the funds paid by the Participant within sixty (60) banking days of receipt of the application from the Participant. After that, the obligations of the Administrator under this Agreement shall be deemed to have been performed.

If the Participant wishes to terminate the Agreement after its activation, the commission fee and administrative expenses will not be refunded to the Participant. The Administrator shall refund the paid net payments to the Participant within sixty (60) banking days after the closure of the monetary fund. The Administrator shall have the right to close the monetary fund based on the relevant order, after all the participants of the program fulfil their payment obligations.

The participant who has received the requested monetary sum under the terms of the program activities shall not be entitled to terminate the agreement.

In accordance with Art. 11. (clause 11.1.) of the agreement, the Administrator guarantees the participant to provide the monetary sum requested under the terms of the program provided that the participant fulfils all the conditions of the agreement.

The terms of receiving the funds under the HOME MONEY program do not have any formal or actual sign of a Ponzi scheme.

COMPARATIVE CHARACTERISTICS:

1) PONZI SCHEME: Income generation scheme.

The HOME MONEY program: Program of receiving funds with mandatory refunds.

2) PONZI SCHEME: It is a flow of money from one-time sales of queue places to new investors at the bottom of the Ponzi scheme, which goes to the few who are in advance at its top.

The HOME MONEY program: It is a contractual accumulation system of the monetary funds creation which is intended to provide the participants of the program with the requested monetary funds.

3) PONZI SCHEME: Has no monetary funds,the money coming to the Ponzi scheme is issued as compensation to those who have recruited new participants to it. That absolutely does not provide any profits to new investors until they recruit someone to the Ponzi scheme.

The HOME MONEY program: Has stable monetary funds,which are formed and funded by the net payments of the participants, both before receiving the requested funds from the fund and when refunding them after receipt.

4) PONZI SCHEME: A high yield, which is impossible to maintain for a long time, is promised and the fulfillment of financial obligations to the depositors is intentionally impossible. The first investors of the Ponzi scheme receive income from the deposits of new investors, and the latter at the expense of the subsequent deposits, etc. If the depositor has not recruited any new investors to the Ponzi scheme, they won’t get any profit which they were promised to get and lose their monetary contribution which was distributed as compensation between those depositors that had previously entered the Ponzi scheme.

The HOME MONEY program: The principle of the monetary funds formation allows each participant of the program to receive the requested monetary sum regardless the number of the participants and in spite of the fact whether further recruitment of new participants will continue.This is due to the fact that the size of the net payment, which the participant undertakes to make each month and which is used by the administrator to forms the monetary fund to provide the requested monetary sums, is calculated by dividing the requested monetary sum by the number of payments corresponding to the payment schedule of the participant.

5) PONZI SCHEME: An illegal activity that aims to benefit the creators of the Ponzi scheme using the money invested by gullible people.

The HOME MONEY program: A 100% legal activity implying that the program will fulfil all financial obligations to its participants without exception. The program aims to help the population overcome financial problems & difficulties.

This can be easily verified by considering an example of how only one social finance program participant can receive the requested amount of money without attracting additional participants to the program.

Example #1: let us assume that only one person is a program participant who has requested 150,000 USD for a period of 10 years (120 months).

According to the schedule approved by the administrator, the net contribution to form the monetary fund for the requested amount of 150,000 USD is 1,250 USD.

If the program participant fulfils their obligations under the agreement in full and makes a mandatory monthly general payment (120 payments), the size of the monetary fund will be sufficient to provide the participant with the authorization to receive the requested amount of money.

Calculation: 1,250 USD (net contribution) x 120 (number of payments) = 150,000 USD (the amount requested by the participant).

Let us consider one more example showing how two program participants can get the requested amount of money without attracting additional participants to the program.

Example #2: let’s assume that both participants have requested the amount of 150,000 USD for a period of 10 years (120 months) under the program.

Each participant makes a monthly general payment, part of which is the net contribution, which is used to form the monetary fund, in the amount of 1,250 USD.

Thus, a monthly amount of 2,500 USD is deposited in the monetary fund.

After 60 months, an amount of 150,000 USD is accumulated in the monetary fund and the first participant, having made 60 payments, receives the requested amount of money.

Having received the requested amount of money, the first participant is still required to continue making the subsequent payments set forth in the agreement, just like the second participant.

Thus, the fund continues to receive 2,500 USD each month.

After another 60 months, another 150,000 USD is accumulated in the monetary fund and the second participant gets the requested amount of money.

In both examples, the administrator has fulfilled his obligations to each of the participant in full without attracting new participants to the program, which is the case with a Ponzi scheme in which repayment to depositors is obviously impossible.

There are several of such examples, with different number of participants, different number of payments, and different requested amounts to consider. However, all of them will testify that the number of attracted participants to the program can only affect the increase in the amount of the monetary funds and the reduction of the period between the activation of the agreement and the receipt of the requested funds by the participant. However, it will not affect in any way the administrator’s performance of his obligations under the agreement.

It should also be noted that the social financing program has no expiration date, each month more and more participants join the program to form the monetary fund. As a result, at some point, the amount of net contributions received from the participants, who have already received money under the program, will exceed the amount of net contributions received from the participants who are still waiting for the authorization to receive funds. Thus, the number of monthly general payments that the participants are required to pay before receiving the requested amount of money decreases and is reduced to zero over time.

That is, the more participants take part in the formation and distribution of the monetary funds, the faster the participants receive the requested amounts of money.

The HOME MONEY program is considered one of the most sustainable and dynamically developing financing programs. It has reached the global level and has earned the reputation of a loyal, reliable partner that is able to manage client funds rationally and effectively.

The program is based on the principles of transparency and openness and aims to build stable, trusting relationships with its participants. This is why our customer base is growing, which ensures stable growth of the monetary funds, and this is one of the key indicators that makes us proud.

The HOME MONEY program’s operating principles are aimed at creating the fastest and most efficient service. Moreover, the HOME MONEY program efficiently accompanies each participant through the process of receiving funds from the very beginning to the end.

We believe that freedom is a key human value! By uniting people who care, their experience and energy, we help you be more free in your actions and dreams!