Time to go over THE HOUSE RULES
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| 1 | STANDARD | COMMERCIAL | EXTENDED COMMERCIAL |
|---|---|---|---|
| Who Can Use | For personal use Individuals or Entrepreneurs 1 user at a time | For Commercial use commerce of anykind | - |
| Transfer Rights | Not Permitted ✗ 1 user at a time | Unlimited users within a legal entity | - |
| Permitted Distribution | Personal Use ✓ | Organizational Use ✓ | Case by Case |
| Intended Use | Personal Non- Commercial Use | Commercial use | Commercial use |
| License Duration | Perpetual ✓ | Perpetual ✓ | Perpetual ✓ |
| Digital use Website, Ebooks excludes app | Personal Website ✓ | Permitted ✓ ebook up to 10,000 copies | Permitted ✓ |
| Print Runs | Not Permitted ✗ | Permitted ✓ up to 10,000 | Permitted ✓ |
| TV + Film | Not Permitted ✗ | Not Permitted ✗ | Permitted ✓ |
| Merchandise | Not Permitted ✗ | Not Permitted ✗ | Permitted ✓ |
| Decoration In a Commercial Space | Not Permitted ✗ | Permitted ✓ | Permitted ✓ |
| Web Templates or Print Templates | Not Permitted ✗ | Permitted ✓ | Permitted ✓ |
| Personal, Non Commercial use (Not for resale,download, distribution or commercial use of any kind) | Personal Use ✓ | Personal Use ✓ | - |
| Aggregation and Resale | Not Permitted ✗ | Not Permitted ✗ | Not Permitted ✗ |
| Out of Home Advertising (Trade show, conference, signage, billboards, subway ads etc.) | Not Permitted ✗ | Permitted ✓ up to 200,00 views not viewers | Permitted ✓ |
Terms of Use Agreement
Terms of Use
Disclaimer, Terms and Conditions and Privacy Policy
Terms of use
House of Assets, operated by HOA Creative Inc. ("HOA", "we", or "our"), extends various Photography, Products, Memberships, and associated materials ("Services") to you, the user or purchaser ("you"). These Terms of Use outline the permissible ways to engage with our Services and their content.
We urge you to read these Terms of Use attentively. We may update or revise these Terms of Use periodically.
By engaging with any of HOA's Services, you accept these Terms of Use and agree to be legally bound by them, irrespective of whether you have read them in full. Should you disagree with these Terms of Use at any point, please refrain from using our Services.
These Terms of Use mandate arbitration on an individual basis as the sole method for resolving disputes, foregoing the option for trials, and they restrict the remedies available to you in the case of a dispute. You acknowledge and consent that by enrolling in, purchasing, or using any of HOA's Services, you are willingly waiving specific legal rights and are intentionally agreeing to do so.
Use and Consent
By engaging with, purchasing, or using any of our Products, or Services, you consent to follow these Terms of Use as well as our Disclaimer, Terms and Conditions, Privacy Policy, and any additional terms that might apply. Such compliance is mandatory. Utilizing our Photography, Products or Memberships in any capacity signals your acceptance of these Terms of Use and your commitment to adhere to them.
Our offerings are designed exclusively for individuals who are eighteen (18) years of age or older. Any engagement with our Photography, Products or Memberships by someone under the age of 18 is considered unauthorized, unlicensed, and a breach of these Terms of Use. By accessing or utilizing our Photography, Products or Memberships, you affirm and warrant that you meet the minimum age requirement of 18 years.
Intellectual Property Rights
Stock Photography, Services, and Memberships, and all associated offered by House of Assets are the exclusive property of House of Assets or its affiliates or licensors and are safeguarded by copyright, trademark, and additional intellectual property laws.
The proprietary content contained within our Stock Photography, Services, and Memberships is either owned directly by us or licensed to us, unless stated otherwise. This includes, but is not limited to, all photography, designs, layouts, appearances, and graphics of our digital content. Any reproduction of this content is strictly prohibited except in accordance with the copyright notice, which is an integral part of these Terms of Use.
Upon purchasing or accessing our Stock Photography, Services, and Memberships you're acknowledged as a Licensee of House of Assets. It is clarified here that all content accessed through us is owned by House of Assets, and you are provided a revocable, non-transferable license for personal or commercial use on depending on your purchase. This license is exclusive to you, meaning you cannot use our Photography, Products or Memberships in any way that infringes upon our rights or in any manner not explicitly authorized by us. You are granted a limited license to utilize our Photography, Products or Memberships under specific conditions outlined in these Terms of Use.
Permitted Use: You are allowed to download and/or print Photographs and Stock Images for use. However, sharing, selling, reprinting, or republishing any of our Photographs for resale or mass reproduction is strictly prohibited. This prohibition extends to sharing access to the membership program with friends, family, colleagues, etc. Access for them requires a separate purchase of a license.
All rights not explicitly granted in these terms or any express written license are reserved by House of Assets.
By using this platform, I acknowledge and accept the outlined risks, limitations, conditions of use, and instructions for use, agreeing to the terms listed above.
Refund Policy
We value your engagement with our offerings, including Photography, Products and Memberships. Recognizing the significant investment of time, effort, and resources in developing and delivering our content, we uphold a strict NO REFUND policy. You understand and acknowledge that, except as required by applicable law, any payments made toward our Photography, Products and Memberships are not eligible for refunds under any circumstances. This policy is in effect to ensure that we can continue to provide high-quality content and services to our users. By accessing, purchasing, or using any of our offerings, you confirm your understanding and agreement that all transactions are final and not subject to refunds.
By engaging with this platform, I confirm my full understanding and acceptance of the inherent risks, limitations, and the specified conditions of use, and I agree to the terms outlined above.
Payment Terms
By initiating a purchase with a debit or credit card for our Photography, Products or Memberships, you authorize House of Assets to automatically charge your card as payment. You'll be issued an electronic receipt following any charges made. Should payment fail by the due date, we reserve the right to discontinue your access to our Photography, Products or Memberships immediately and permanently, potentially impacting your access to previously purchased content.
Should you delay any payments as per these Terms of Use, or choose to withdraw from any of our offerings at any point and for any reason, you remain obligated to pay the full cost of the Photography, Products and/or Memberships.
During your transaction for our Photography, Products or Memberships, we, along with our payment processing partner, may collect personal information you provide, such as your name, address, payment method, credit card number, and billing details.
You commit to purchasing our goods or services solely for legitimate purposes, either for yourself or for another individual for whom you have the legal right to act. You affirm your responsibility for any purchases made by you or on your behalf and agree to utilize our offerings for lawful, non-commercial purposes only, avoiding any speculative, deceitful, fraudulent, or unlawful activities.
Our Terms of Use include a strict No-Refund Policy which you have agreed to before finalizing any purchase. We strictly prohibit and do not accept any threats or actual instances of chargebacks from your credit card provider. In the case of a chargeback or threat thereof during or after your purchase, we reserve the right to report such incidents to credit reporting agencies or other relevant entities, potentially impacting your credit score negatively. This report may include personal information such as your name, email, order details, and billing address. Any chargeback occurrence will result in immediate termination of your access to the course and any membership portals, regardless of the chargeback's outcome.
Please note that payment processors and merchants may follow different privacy and data collection policies from ours. We bear no responsibility for the practices of these independent entities. Furthermore, your purchases through our services may be subject to additional terms of the payment processor, merchant, or House of Assets that apply to your specific transaction. For further details, you may consult the merchant’s website or directly contact them.
By proceeding with your purchase or use of our website and its content, you release House of Assets, our affiliates, our payment processing partner, and merchants from any claims or damages arising from your transactions. You agree not to hold us or them accountable for any issues related to your purchase or use of our website and its content.
By engaging with this platform, I confirm my understanding and acceptance of the terms outlined above, including the associated risks and conditions.
Confidentiality and Privacy
In our interaction with you through our Photography, Products or Memberships, we may collect personal details such as your name, email address, phone number, physical address, billing details, birthday, preferences, interests, and other personal identifiers (“Confidential Information”). Additionally, you might provide comments, photos, images, videos, or other contributions (“Other Information”) during your participation. By submitting such Confidential or Other Information to us, you authorize us to use and safeguard this information in line with these Terms of Use and our comprehensive Privacy Policy available on our website. Should you notice any inaccuracies in your Confidential Information, we encourage you to inform us promptly so we can make the necessary amendments.
Utilization of Confidential Information
We gather personal data and Confidential Information to better understand your needs and enhance our services. Specifically, we may utilize this information for:
- Internal record-keeping
- Enhancing our Photography, Products or Memberships
- Sending promotional material about new offerings or special deals, which you can opt out of at any time
- Generating aggregated, non-identifiable data for research
- Tailoring Photography, Products or Memberships to your interests
- Providing support or communication related to your purchases or subscriptions.
Data Storage
All collected data and Confidential Information are stored within a secure data management system, accessible only to authorized personnel involved in managing this information for purposes such as email communication or customer support. You acknowledge that our team, staff, affiliates, and data management personnel may have access to your Confidential Information.
Confidentiality and Information Disclosure
We commit to maintaining the confidentiality of your information. Disclosure of Confidential Information may occur only under the following circumstances:
- As described in these Terms of Use, Privacy Policy, and our Disclaimer
- If legally obligated
- To comply with the law or legal processes served on us or our affiliates
- To protect and defend our rights or property or those of our users
- For urgent matters of personal safety of our users, purchasers, or the public
We will not sell, distribute, or lease your Confidential Information to third parties without your explicit consent or unless required by law.
By using this platform, you affirm your understanding and agreement to these confidentiality and privacy terms.
Disclaimer, Terms and Conditions and Privacy Policy
Licensee Agreement and Usage Restrictions
As a licensee of House of Assets, you recognize and agree that our Photography, Products or Memberships, and the accompanying Materials are the product of significant investment, embodying substantial time, effort, and resources. These assets are unique and valuable properties of House of Assets, necessitating protection against any unauthorized or improper utilization.
Upon your enrollment or purchase of our Photography, Products or Memberships, you are expressly prohibited from engaging in the following actions:
- Prohibited Reproduction and Sharing: You are not permitted to replicate, disseminate, or misappropriate any House of Assets Photography, Products or Membership.
- Misrepresentation of Ownership: You must not use, reproduce, adapt, or claim any of our Photography, Products, Memberships or any other materials as if they were your own creations.
- Unauthorized Utilization: Engaging in any form of unauthorized use, including but not limited to altering, copying, reproducing, republishing, uploading, transmitting, translating, selling, creating derivative works from, or distributing our materials in any way for personal use, is strictly forbidden.
- Restriction on Distribution: You agree not to distribute, share, trade, sell, or otherwise transfer our assets to others for personal, business, commercial use, or for profit, regardless of whether it was known to you at the time of sharing that the intention was to use the materials for personal or commercial purposes. Your license is individual and non-transferrable.
- Intellectual Property Respect: Utilizing our assets for your training purposes or any other use does not grant you any copyright, trademark, intellectual property, or ownership rights. You are obliged to respect the intellectual property rights of House of Assets at all times.
- Commercial Use Limitation: You are strictly forbidden from printing, reprinting, or republishing any part of our assets for sale or profit. This includes, but is not limited to:
- Altering, editing, or claiming any image as your own.
- Selling, loaning, or allowing third-party use of the images in any manner
- Transferring images to clients/customers, even with modifications
- Utilizing images for social media, websites, or any other medium for non-members
- Creating and distributing derivative products from the images, such as templates, art prints, or merchandise, for sale or free distribution
- Any use of images for offensive, illegal, or pornographic purposes is strictly prohibited
- Promoting or selling other stock photography products/services with our images
- Using our graphics or quotes to develop commercial products for sale or giveaway
By utilizing the House of Assets platform and its content, you affirm your understanding of these restrictions and consent to abide by them.
License Permissions and Restrictions
This license from House of Assets grants you the following permissions:
- You are allowed to use images for both personal use (Personal Licencing) and and business purposes (Commercial Licencing), including online platforms
- You may resize, crop, or alter the orientation of the images.
- Overlaying images with text, website screenshots, product designs, and PDF designs is permitted.
- The images can be used to create opt-ins like checklists, workbooks, PDFs, and ebooks, provided the images are integrated (flattened) with text or graphics in such a way that they cannot be extracted, and the image does not constitute the primary value of the download.
- Images may be used across multiple businesses or blogs, provided you are the sole owner of these entities.
Prohibited Actions:
You are expressly prohibited from the following, ensuring protection of our rights and the integrity of our assets:
- No Infringement or Unauthorized Use: You must not use our Photography, Products or Memberships in any way that infringes upon our rights or without our prior written consent.
- Restrictions on Modification and Distribution: Engaging in unauthorized actions such as modifying, copying, reproducing, republishing, uploading, transmitting, selling, or creating derivative works from our content for commercial use or distribution to third parties in a way that generates revenue is strictly forbidden.
- Legal Consequences: Utilizing our content in prohibited, improper, or unauthorized ways is considered a violation of our intellectual property rights and could lead to civil litigation or criminal charges. We reserve the right to enforce our rights to the fullest extent permitted by law against such actions.
By using House of Assets’ content, you acknowledge your understanding of these permissions and restrictions, agreeing to abide by them. Violating these terms is seen as theft and may result in legal action to protect our intellectual property and assets.
Restrictions on Linking and Embedding
You're permitted to create a hypertext link to our website or content, provided such a link does not falsely imply or state any sponsorship, endorsement, or ownership by House of Assets, nor should it suggest that House of Assets has sponsored, endorsed, or owns rights in your website. However, direct embedding of our content (framing) or linking to our content within your site or materials (inline linking) is not allowed without our express written consent.
Consent to Media Use
Engagement with House of Assets' Photography, Products or Memberships, as well as the use of our Photography, Products or Memberships, implies your consent for us to capture photographs, videos, and/or audio recordings that may include your image, voice, and/or likeness. We retain the exclusive right to utilize these captures and any other materials you provide in relation to your participation across our existing or future Photography, Products or Memberships, and for our marketing purposes. This may be done without any due compensation to you, both now and in the future.
Permission to Use Content
Upon obtaining our permission, you are bound to utilize the Content strictly in accordance with the granted permissions. Unauthorized use of the Content, or use beyond the scope of the granted permission, will be regarded as infringement of our intellectual property, akin to copying, duplication, or theft of our Content. In such instances, you are obligated to immediately cease using the Content and undertake any remedial actions as required by us, within the timeframe and methods we specify, to safeguard our intellectual property and ownership rights over the Content.
Data Security
In the course of applying for, enrolling in, purchasing, or using our Photography, Products or Memberships, we might request and collect personal data and information from you. This may include, but is not limited to, your name, email address, phone number, billing and payment information, demographic details, preferences, interests, and other personally identifying information ("Confidential Information").
By submitting such Confidential Information, you authorize us to utilize and retain this information in accordance with our operational needs. We commit to deploying our best efforts to safeguard your Confidential Information, maintaining its confidentiality and security. We employ various precautions to protect your Confidential Information, ensuring protective measures are in place both online and offline when you submit any such information through our services.
However, given the inherent uncertainties of the Internet, we cannot guarantee the absolute security of your Confidential Information or any other data transmitted to us or through our services. As such, any submission of Confidential Information, data, or other information is at your own risk. While we have established security protocols to prevent the loss, misuse, and alteration of information collected from you, we cannot assure the complete prevention of loss, misuse, or alteration, either to you or any third party.
It's important to understand that despite our best efforts, no security measures are perfect or impenetrable. We strive to protect your information but cannot ensure the security of any information you transmit to us.
Acknowledgment of Personal Responsibility and Risk
By engaging with House of Assets as a licensee, you confirm that you are independently deciding to use our Photography, Products or Memberships, fully aware that all associated actions are taken at your own discretion and risk. It's important to understand that while utilizing our offerings, there are no guaranteed outcomes. Our resources are designed to assist in your personal or business development by providing content and tools for your independent decision-making. Consequently, you bear sole responsibility for any outcomes derived from the use, misuse, or non-utilization of our provided materials.
Despite our stringent efforts to secure our offerings, the inherent uncertainties of digital content and the Internet preclude us from guaranteeing the absolute safety of our Photography, Products or Memberships, along with any information or contributions transmitted to us via our website or through these resources. Engaging with our platform, including the submission of information or contributions, is undertaken at your personal risk. We cannot promise the complete prevention of potential loss or damage related to the use of our resources, and by proceeding, you acknowledge and accept the risks involved.
Disclaimer
Our offerings, including Photography, Products or Memberships, are intended solely for the personal and business use of our community members. We hereby disclaim, to the maximum extent allowed by law, all liability for any kind of direct, indirect, incidental, or consequential damages that may be experienced by you or others as a result of engaging with our content and services. This encompasses, but is not limited to, liability for any accidents, delays, injuries, harm, loss, damage, death, lost earnings, disruptions in personal or business operations, incorrect application of information, any form of health or emotional distress, financial losses, loss of data, and any other form of loss or damage, irrespective of how such issues arise, whether from negligence, contractual breaches, or other causes, even in instances where such outcomes are foreseeable.
Additionally, it is acknowledged and agreed that House of Assets holds no responsibility for any defamatory, offensive, or unlawful actions or content shared by any user of our Photography, Products or Memberships, including actions or content shared by you.
Legal and Financial Disclaimer
Please understand that all content provided through our Photography, Products or Memberships, including advice and information, is not meant to serve as a substitute for professional legal, financial, or business advice. Such content should not be interpreted as a direct recommendation for any specific action or decision. We strongly recommend seeking the expertise of a professional accountant, lawyer, or financial advisor for guidance on your individual financial and legal matters. House of Assets does not offer legal or financial advice and is not responsible for any outcomes related to your personal or business finances, including earnings, losses, or any other financial results, based on the application of information from our offerings.
Earnings Disclaimer
House of Assets makes no claims or assurances regarding any specific outcomes, financial gains, health benefits, or any other results from your engagement with our Photography, Products or Memberships. Success and outcomes vary significantly among individuals, and we cannot guarantee that you will achieve any particular result. Your personal and business results are contingent upon your own efforts, circumstances, and decisions. As such, House of Assets expressly disclaims any liability for the actions, choices, or decisions you make based on the use or non-use of our content.
Disclaimer of Warranties
House of Assets expressly disclaims all warranties related to our Photography, Products or Memberships. You acknowledge and agree that these offerings are provided on an "AS IS" basis without any warranties of any kind, either express or implied. To the maximum extent allowed by law, we exclude all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We cannot guarantee that our Photography, Products or Memberships will be uninterrupted, accurate, complete, reliable, or free from errors or defects, nor can we ensure that the website or any content will be free from viruses or other harmful components. No representations are made about the correctness, accuracy, timeliness, reliability, or otherwise of the use of our materials or content found on any third-party websites.
Technology Disclaimer
While we strive to ensure continuous, error-free access to our offerings, including content delivered through various channels like our website, forums, email communications, and social media, the unpredictable nature of the internet means we cannot promise uninterrupted access or complete functionality at all times. Factors beyond our control, such as system maintenance, internet traffic, or technical issues, may occasionally hinder access to our content. Under no circumstances will House of Assets be liable for any damages, refunds, or other recourses should access to our Photography, Products or Memberships become limited or disrupted for any reason.
Errors and Omissions
House of Assets makes every effort to ensure the accuracy and reliability of the information provided in our offerings. However, the dynamic nature of research and content creation means that inaccuracies or errors may occur. We do not warrant the completeness, timeliness, or suitability of any information and will not be liable for any inaccuracies or errors to the fullest extent permitted by law.
Links to Other Websites
Our content may include links to external websites operated by third parties for your convenience. These external links do not imply our endorsement, approval, or responsibility for the content, policies, or practices of those sites. House of Assets is not responsible for any loss or damage that may arise from your use of these external sites. We encourage you to review the terms, conditions, and privacy policies of any linked websites to ensure you understand and agree with them.
By engaging with our Photography, Products or Memberships, you implicitly accept the terms outlined in our full Disclaimer, available on our website.
Indemnification, Limitation of Liability and Release of Claims
Indemnification
You commit to defending, indemnifying, and holding harmless House of Assets, including our affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees from any claims, damages, liabilities, costs, and expenses—including attorney fees—arising from your use of our Photography, Products or Memberships or from any breach of the obligations, warranties, representations, or covenants outlined in these Terms and Conditions or any other agreement you have with us.
Limitation of Liability
House of Assets is not liable for the outcomes of using our Photography, Products or Memberships. This includes, but is not limited to, any direct or indirect damages resulting from the use, misuse, or inability to use our materials or information. We are not responsible for any accidents, delays, injuries, losses, damages, or disruptions of any kind attributed to the actions or inactions of any individual or entity associated with or employed by House of Assets. Our responsibility for any aspect of our offerings or content provided to you is hereby fully disclaimed.
Release of Claims
Under no circumstances will House of Assets be liable for direct, indirect, special, incidental, or consequential damages arising from your engagement with our content or services. This includes damages related to profit losses, business interruptions, personal injuries, or any other potential losses or harms you might incur. By using our services, you release House of Assets from all claims associated with such issues, even if we have been informed of the possibility of such damages.
By engaging with our services and content, you acknowledge and accept these indemnification and liability terms, understanding the extent of our non-liability and your own responsibilities.
Your Conduct and Agreement
By engaging with House of Assets' Photography, Products or Memberships. you agree not to disrupt, impair, or misuse our content. You acknowledge your sole responsibility for any electronic communications originating from your devices. Our resources must be used strictly for lawful purposes, refraining from:
- Engaging in fraudulent activities or any unlawful acts
- Sending or using materials that are illegal, offensive, defamatory, or can infringe on privacy or intellectual property rights
- Distributing harmful computer code, soliciting, or spamming
- Causing unnecessary annoyance or anxiety
- Impersonating others or misleading regarding the origin of your content
- Unauthorized reproduction or resale of our content
Communication and Termination
Queries or concerns should be directed to hello@houseofassets.com for prompt assistance. You or House of Assets may terminate participation or access to our services by email notification. Following termination, you're obligated to settle any remaining payments. All rights and obligations under these Terms, including copyright and intellectual property protections, persist beyond termination.
Dispute Resolution
Should disputes arise, we aim for resolution via email. Failing resolution, binding arbitration in British Columbia will be the sole method for legal disputes, under the Arbitration Act of British Columbia. The arbitrator's decision will be final and enforceable in court. Disparaging conduct, especially on social media, during disputes is discouraged.
Governing Law
These Terms are governed by the laws of British Columbia, Canada.
Privacy and Cookies
Sharing your Confidential Information may expose it to third-party viewing and potential misuse. We use cookies for website functionality; disabling them may affect your user experience. House of Assets is not responsible for third-party data collection linked to our services.
By participating in our Photography, Products or Memberships, or using our Materials, you acknowledge and agree to these terms, embodying a commitment to lawful and respectful use of our resources and the acceptance of our procedures for communication, termination, dispute resolution, and data privacy practices.
Password Policy and User Responsibility
For access to certain features of our Photography, Products or Memberships, you may be assigned either a group or a unique personal username and password during the registration or purchase process. You have the option to customize these login credentials. The security of your account and password is solely your responsibility, and you must safeguard them to prevent unauthorized access to your account.
You are expressly prohibited from sharing your login credentials with others. Should it come to our attention that you have disclosed your username or password to another party, House of Assets reserves the right to immediately revoke your access to all related services and platforms, including but not limited to our website, private forums, and social media groups.
You are accountable for all activities conducted under your account. Sharing your password may expose your personal information to risk, for which House of Assets cannot be held liable. Should you suspect any unauthorized use of your account or any breach of security, you are required to inform us without delay. Additionally, ensure that you log out from your account after each session to prevent unauthorized account access.
By utilizing our Photography, Products or Memberships, you commit to providing accurate and truthful information during registration and throughout your use of our services. Accounts registered with false information may be subject to immediate termination.
House of Assets is committed to maintaining the confidentiality of your passwords and will not share them without your permission, except where legally obligated or when necessary to prevent harm to you or others, in accordance with the law and our ethical obligations.
