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Terms of Use

The terms of use set forth below (hereinafter referred to as the Terms of Use) constitute the agreement between Sociedad Hipotecaria Federal, S.N.C. (hereinafter referred to as SHF) and any User of the SHF portal, whose domain name or URL is: www.shf.gob.mx (hereinafter referred to as the Portal).

Use of the Portal by any person gives that person the status of User (hereinafter referred to as User) which implies its full adhesion and total and unconditional submittal to these Terms of Use; consequently it is essential that User previously read them and evaluate them thoroughly, so that he is aware of its obligation to adhere to them and any amendments they may undergo, each time he accesses the Portal.
If, at any time, User is in full or partial disagreement with these Terms of Use, he must immediately refrain from using the Portal in any of its parts or sections.
User agrees that different parts of the Portal may contain special provisions which, as the case may be, will substitute, complement, and/or alter the Terms of Use (hereinafter referred to as Particular Conditions); for this reason¸ it is also essential that User previously read them in every case and, if he is in full or partial disagreement with it or them, refrain from using the part or section of the Portal regulated under the Particular Condition or Conditions in question. If User uses the part of the Portal regulated by one or more Particular Conditions, he will be assumed to submit totally and unconditionally to them.
 
PURPOSE
Through the Portal, SHF provides Users access to a variety of information, as well as the use of various services provided by SHF or by persons and institutions directly or indirectly related to SHF (hereinafter referred to as "Services").
User acknowledges that the use of the Portal does not imply any right of ownership over it or over any of its elements or content.
SHF reserves the right to modify, at any time and without prior notice, the presentation, configuration, information, Services, content, and in general any part or aspect directly or indirectly related to the Portal.
 
USER’S OBLIGATIONS AND UNDERSTANDING OF THE PRESENT TERMS

By using this Portal, User agrees to observe and adhere to the Terms and Conditions of its use established in this document (hereinafter referred to as the “Terms and Conditions”), acknowledging that it has read, understood, and agreed to submit to their terms and conditions. Therefore, on accessing the Portal, User agrees to observe the foregoing provisions, with its corresponding adhesion and total and unconditional submittal to the present Terms of Use.
 
GENERAL TERMS
The information and the Services SHF offers through its Portal refer exclusively to the regulations that govern them in the United Mexican States (Mexico) and are formulated for operations carried out in their territory.
By the mere fact of using the information and Services, User expresses its acceptance of and agreement with the Terms and Conditions of the present Legal Notice, and any amendments to it that SHF may make.
This Portal, the information, the materials described herein, and the software provided are presented “as is,” and are available with no guarantee, express or tacit, including, without limitation, any guarantee of marketability, suitability of the materials for a particular purpose, or of noncompliance.

However, under no circumstances will the printing of information contained on this website be validated in writing by Sociedad Hipotecaria Federal, given that, to obtain written and validated information from this institution, users must conform to the procedures and satisfy the requisites established for the purpose by applicable laws and regulations in force.
Users not residing in the United Mexican States (Mexico) that want to access the Portal must ensure that access to and use of the Portal, its content, and/or the Services is permitted to them under their own laws.
Any User that uses this Portal outside Mexico will be responsible for observing all laws of its jurisdiction.
Use of the Portal, and access to and use of the Services will assume User’s full acceptance of (i) the Terms and Conditions in force at each time the User accesses and/or uses them and (ii) any amendments to them that have been duly communicated to User.
SHF reserves the right to suspend, interrupt, or stop operating the Portal and the Services at any time.
 
COPYRIGHTS AND INTELLECTUAL AND INDUSTRIAL PROPERTY
Intellectual property rights to the Services and Content and distinctive signs and domain names of the Portal, as well as rights to use and exploitation thereof, including their divulgation, publication, reproduction, distribution, and transformation, are the sole property of SHF. User acquires no intellectual property rights by the mere use of the Services and Content of the Portal and at no time will such use be construed as authorization or license to use the Services and Content for purposes different from those established in the present Terms and Conditions of Use and Privacy.
All content displayed or made available through this Portal is protected by copyright laws in force.
Intellectual property rights to the SHF Internet Portal, the screenshots displayed, and the information and material appearing therein are property of SHF, unless indicated otherwise.
The SHF logo and denominative and mixed trademarks for Services and brand names appearing on the SHF Portal are registered trademarks and property of SHF.
 
USE OF LICENSE
SHF authorizes User to use the Portal under the terms set forth herein. SHF does not grant Users any kind of license or authorization in relation to its industrial and intellectual property rights and industrial secrets or any other property or right related to the Portal, the Services, or the Content.
Should SHF learn that User has falsely represented itself as proprietor, assignee, or licensee of one or more rights pertaining to SHF directly or indirectly related to the Portal, it may immediately and permanently deny access to the Portal, without prejudice to SHF’s exercising any and all legal means available to it.
 
ACCESS TO AND USE OF THE PORTAL

Access to and use of the Portal are provided free of charge by SHF to Users. However, there are certain sections of the Portal that are for the exclusive use of financial brokers or promoters with whom Sociedad Hipotecaria Federal operates, and therefore to access them it is necessary to have authorization from the area in this institution responsible for those sections.
User will be obliged to register or log on to the Portal only when specifically requested.
 
OBLIGATION TO USE THE PORTAL AND THE SERVICES PROPERLY
User agrees to use the Portal and the Services in accordance with applicable laws, the terms and conditions set forth in these Terms of Use, and with respect for the public order. User agrees to use the Portal and any Service or aspect related to it in a way that does not compromise the rights or interests of SHF, persons directly or indirectly related to SHF, or third parties. User will use the Portal and/or the Services in a way that does not damage, render unusable, or diminish or compromise its performance in full or in part.
 
MEANS OF OBTAINING CONTENT
Except in the cases where it is permitted, User must refrain from obtaining or attempting to obtain information, messages, graphics, drawings, audio and/or image files, photographs, recordings, software, and in general any kind of material accessible through the Portal or the Services (hereinafter referred to as "Content"). In cases where it is permitted, User may make use of Content, using only the means or procedures established on the Portal, or using those tools or means commonly used on the Internet, which guarantee the integrity of the Portal, the Services, and the Content, and eliminate or reduce the risk of damage or total or partial compromise to them.
However, under no circumstances will the printing of information contained on this website be validated in writing by Sociedad Hipotecaria Federal, given that, to obtain written and validated information from this institution, users must conform to the procedures and satisfy the requisites established for the purpose by applicable laws and regulations in force.

PROPER USE OF CONTENT
User agrees to use the Content in a diligent, proper, and lawful manner, and in particular undertakes to refrain from: (a) using Content in any manner or for any purposes or effects contrary to law and the public order; (b) copying, reproducing, or distributing Content for gainful purposes, without prior authorization from SHF or the proprietor of the corresponding rights or when permitted by law; (c) altering or manipulating the trademarks, logos, commercial notices, brand names, and distinctive signs in general pertaining to SHF or third parties on the Portal or pertaining to persons directly or indirectly related to SHF (without SHF’s prior, written authorization), (d) suppressing, eluding, or altering Content, as well as technical devices for its protection or any mechanism or procedure established on the Portal.
 
USE OF PASSWORD
At all times, User is solely and ultimately responsible for keeping secret its account numbers, personal passwords, user names, and confidential numbers used to access the Services and Content on the Portal, as well as third party websites.
User agrees to make diligent use of and keep secret the assigned user name(s) and password(s), if any, needed to access the Portal, any of its parts, the Services, and/or the Content.
User will respond to SHF and/or persons directly or indirectly related to it or third parties, at all times, for expenses, damage, and injuries caused by the loss or misuse of its assigned user name(s) and password(s).
 
OBLIGATION TO OBSERVE INSTRUCTIONS.
User agrees to diligently follow any and all instructions related to the Portal given by SHF or personnel authorized by SHF, in relation to any mechanism or procedure established to use the Portal, the Content, or the Services. User must follow only instructions given by SHF.
 
LIABILITY FOR DAMAGES AND INJURIES.
User must immediately indemnify SHF or any person directly or indirectly related to SHF or the Portal, or third parties, for any damages and/or injuries of any kind it may cause by failing to observe these Terms of Use or any applicable laws or regulations.
Without prejudice to the provisions of the preceding paragraph, in the event that SHF is fined or ordered by a competent authority to indemnify any person for damages and/or injuries caused by User, then User must pay SHF the amount due within 15 calendar days after SHF notifies User of the amount in question, failing which User will be obliged to pay SHF, as contractual penalty for mere delay in fulfilling its obligation, an amount equal or similar to the principal amount SHF has been required to disburse.
 
LINKS TO WEBSITES.
SHF provides links to other websites for Users’ convenience. SHF assumes no responsibility in relation to such websites, and any portal linked to this Portal is independent of SHF. Consequently, SHF assumes no responsibility and neither guarantees nor has control over such products, services, materials, or any other information contained in or available through such third party websites. Access to any other linked Portal is under User’s own risk, and User must submit at all times to applicable laws and regulations in force.
Accordingly, SHF neither guarantees nor assumes any kind of liability for (a) damages and injuries that may be caused by the functioning, availability, accessibility, or continuity of linked websites; (b) maintenance of the Services, information, data, files, products, and any kind of material found on linked websites; (c) the provision or transmission of services, information, data, files, products, and any kind of material found on linked websites; (d) the quality, lawfulness, reliability, and usefulness of services, information, data, files, products, and any kind of material found on linked websites.
Industrial and intellectual property rights to data and information or any other element found on websites to which this Portal provides links pertain to their respective proprietors in accordance with applicable laws and regulations in force.
 
INTEGRITY, AUTHENTICITY, AND FILING OF DATA MESSAGES.
The user name and password will serve to perform operations pertaining to the Portal in order to: (a) verify the identity of the issuer of a data message; (b) determine that a data message has not been altered and has remained intact during its generation, communication, transmission, receipt, or filing; (c) conclusively attribute the data message to the User that has generated it; and (d) any others specifically mentioned and contemplated in each section of the Portal or the corresponding contractual instruments.
Data messages received and/or filed by electronic means, identified by user name and password, will be attributable to the corresponding User and will serve to evidence their origin. Consequently, User is responsible for all acts, provisions, assignment of rights, authorizations, transfers, financial operations, information provided, etc., carried out with its user name and password, whether User has authorized their use or not
 
USER NAMES AND PASSWORDS.
At all times, User is solely and ultimately responsible for keeping secret the user name and password with which it accesses the Services SHF offers through the Portal.
User undertakes to make diligent use, under the terms of applicable laws and regulations in force, and to keep secret the user name and password with which it performs operations on the Portal.
 
PROHIBITIONS.
User does not have the right to place links, or the right to place or use own or third party websites on the Portal without SHF’s prior, written authorization.
Information security.
SHF maintains procedures designed to protect confidential information on User and User’s use of any of the products and Services made available through the Portal.
The security of information transmitted between User and third party websites linked to the SHF Internet Portal will be the exclusive responsibility of such third parties and User.
User understands and agrees that, although SHF protects information transmitted through the Portal, given the nature of the Internet, SHF cannot guarantee that all electronic transactions are risk free, and accordingly User releases SHF and its employees, absolutely and without limitation, from any kind of civil, penal, or administrative liability, as well as damages and injuries or any other liability that may be caused by misuse by third parties of information generated, transmitted, received, or filed on the Portal.
 
COOKIES.
Any User that accesses the Portal agrees to receive any cookies transmitted by SHF servers. A cookie is a data file that is saved to the User’s computer hard drive when User accesses the Portal. Cookies may contain information such as the identification provided by User or information to track websites User has visited. A cookie cannot read data or information on User’s hard drive or read cookies created by other Portals or websites.
 
PERSONAL DATA.
To use or enjoy some of the Services, User must first provide SHF certain personal data (hereinafter referred to as Personal Data), which SHF may administer automatically or not. By accessing the Portal or any of the Services in which Personal Data is required, User is authorizing SHF to conduct analyses and studies on the basis of base such Personal Data, and to assign them to any person, at any time. User acknowledges that such authorization, in addition to the civil, commercial, or administrative effects it may entail, is granted in turn under the terms of the Federal Copyright Acct; the Federal Consumer Protection Act; and, as applicable, the Federal Law on Accountability and Access to Public Government Information and other relevant and applicable laws and regulations in force.
User agrees to provide true and correct Personal Data, and when it does not wish to provide such data in parts of the Portal where it is solicited, must refrain from using that part or those parts of the Portal. If User gives false or misleading information, SHF may deny access to the Portal and the Services it contains, without prejudice to SHF’s right to claim any compensation to which it is entitled by law, as well as any penalties for which Users may be liable, in accordance with applicable laws and regulations in force.
By the mere fact of providing its Personal Data on the Portal, User is authorizing SHF to make such information known to any competent authority, when requested by suitable legal means. SHF will not share any Personal Information that has been provided with third parties, unless  it is required to provide a service or a product solicited by User in accordance with applicable laws and regulations in force.
SHF will at all times make every effort to take appropriate physical and technological measures to safeguard Users’ information contained on the Portal from any person that seeks to obtain it by illegal means.
 
USE OF THE PORTAL, THE SERVICES, AND CONTENT UNDER USER’S SOLE RESPONSIBILITY.
By the mere fact of accessing the Portal, User acknowledges and agrees that its use of the Portal, the Services, and any Content is under its sole and strict responsibility, and accordingly, at no time and under no circumstances will SHF respond for any flaw or problem that may appear in hardware or software that User uses to access or browse any part of the Portal, and therefore, by the mere fact of using the Portal, User releases SHF and its employees from any and all damages and injuries that User may be caused.
User acknowledges that in the event that data and/or information contained on this Internet Portal differs from or presents any discrepancy with the data and/or information contained in the source of information from which it is  taken, the latter will take precedence over the former.
 
EXCLUSION OF GUARANTEES AND RESPONSIBILITY.
Exclusion of guarantees and responsibility for the operation of the Portal and the Services.
Availability and Continuity.
SHF does not guarantee Users the availability and continuity of the operation of the Portal and/or the Services.
SHF assumes no responsibility for lack of availability or continuity in the operation of the Portal and/or the Services.
Usefulness.
SHF does not guarantee that the Portal and the Services are useful for one or more particular activities or purposes.
SHF assumes no responsibility for failure of the Portal or the Services to meet User’s expectations or differ from any attribute that User considers they ought to meet, or for their failure to fully or partially fulfill ends or purposes of User’s.
Reliability.
SHF does not guarantee the reliability of the Portal or the Services, and in particular, although not exclusively, that Users can effectively access the different websites that form the Portal or the different Services, or that through them Users can transmit, disseminate, save, or make available to third parties or receive, obtain, or access Content.
Waiver of Guarantees and Responsibility for Content
Viruses and other harmful elements.
SHF does not control and does not guarantee the absence of viruses in Content or the absence  of other elements in Content that could produce alterations in User’s computer system (software and/or hardware) or in electronic documents and files saved on its computer system.
SHF assumes no responsibility for any damages or injuries that User or third parties may suffer in their computer systems (software and/or hardware) as a result of their having used the Portal and/or Services and/or Content or because they have transmitted a virus or any other harmful element to their computer systems.
Lawfulness, Reliability, and Usefulness of Content.
SHF does not guarantee User the lawfulness, reliability, and usefulness of the Content.
SHF assumes no responsibility for any damages or injuries that User or third parties may suffer as a consequence of transmission, dissemination, storage, making available, receipt, procurement, or accessing Content and in particular, although not exclusively, for damages or injuries that may be imputable to: (a) violation of applicable laws and regulations in force as a result of transmission, dissemination, storage, making available, receipt, procurement, or accessing Content; (b) violation of intellectual and industrial property rights, industrial secrets, contractual commitments of any kind, rights to persons’ images, property rights, and any others  pertaining to a third party as a result of transmission, dissemination, storage, making available, receipt, procurement, or accessing Content; (c) unfair commercial practices and unlawful advertising as a result of transmission, dissemination, storage, making available, receipt, procurement, or accessing Content; (d) lack of veracity, accuracy, exhaustiveness, pertinence, and/or actuality of Content; (e) noncompliance, delay in performance, defective performance, or termination for any reason of obligations contracted by third parties and contracts entered into with third parties through or as a result of accessing the Portal, the Services, and the Content; (f) flaws and defects of any kind in Content transmitted, disseminated, saved, made available, received, obtained, or accessed through the Portal or the Services; and (g) any others derived from relevant and applicable laws and regulations in force.
 

CONFIDENTIALITY
SHF is obliged to preserve the confidentiality of the information it obtains from User in accordance with the provisions of Articles 117 and 118 of the Law on Credit Institutions, the Federal Law on Accountability and Access to Public Government Information, or any other applicable legal ordinance. Also, any other information that any User may provide to SHF to access the Portal or benefit from information contained on the Portal is provided voluntarily by that User, and therefore each User accepts as sufficient the measures established by the Portal to ensure the confidential nature of such information and communications that contain such information ("Personal Information"), and accordingly User hereby releases SHF from any liability in relation to the confidentiality of Personal Information.  Any information that is transmitted between User and third party websites or portals linked to the Portal will be the exclusive responsibility of such third parties and the User in question.
however, there are certain sections of the Portal that are exclusively for the use of financial brokers or promoters with which Sociedad Hipotecaria Federal operates, and accordingly to access them it is necessary to have authorization from the area in SHF responsible for such sections.
 
USE OF NON-CONFIDENTIAL INFORMATION.
By using the Portal, User authorizes SHF to use, publish, reproduce, divulge, publicly communicate, and transmit non-confidential information, under the terms established in the Federal Copyright Act, the Federal Consumer Protection Act, and the Federal Law on Accountability and Access to Public Government Information.
 
AMENDMENTS.
SHF will have the right to amend the Terms and  Conditions of Use and Privacy at any time. Consequently, User must read the Terms and Conditions of Use and Privacy thoroughly each time he intends to use the Portal. Certain Services and Content offered to Users on and/or through the Portal are subject to special Particular Conditions that substitute, complement, and/or amend the Terms and Conditions of Use and Privacy. Consequently, User must also read the corresponding Particular Conditions thoroughly before accessing any Services and Content.
 
DENIAL AND REVOCATION OF ACCESS TO THE PORTAL AND/OR THE SERVICES.
SHF reserves the right to deny or revoke access to the Portal and/or the Services, at any time and without prior notice, on its own initiative or at the request of any person or any User, for any reason, including, without limitation, Users that make improper use of the Portal, of any of its parts or sections, or the Content or that fail to observe these Terms of Use or the Particular Conditions that prove applicable, in full or part.
 
DURATION AND TERMINATION.
The provision of the Portal service and other Services has an indefinite duration. However, SHF may terminate, suspend, or interrupt the provision of services on the Portal and/or of any of the Services, at any time and without prior notice.
 
OTHER PROVISIONS.
Form.
User agrees that a printed version of these Terms and Conditions, and of any communication sent and/or received by electronic means will be admissible as evidence in any judicial and/or administrative proceedings, under the terms of applicable laws and regulations in force.
Applicable law and jurisdiction.
In all matters related to the construction and enforcement of the terms and conditions set forth herein, by the mere fact of accessing the Portal, Users agree to submit to the federal laws of the United Mexican States (Mexico) and to the jurisdiction of the competent federal courts of the Federal District, waiving any other venue to which they may be entitled by virtue of domicile, present or future, or for any other reason.
Ineffective Provisions.
If any of the terms and conditions set forth herein are considered unenforceable or are declared null or void in accordance with applicable laws in force, it will be replaced by a term or condition that is valid and can fulfill, with the greatest possible rigor, the purpose of the provision considered unenforceable or that has been declared null or void. All other terms and conditions will persist in full force and effect.
Rights
It is understood that any rights that have not been expressly conferred in this document are reserved for SHF.

 

Last review: 30/10/2009 17:20
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