Terms of Use

This page gives the Terms and Conditions that You, the visitor, may use to access the website www.Hoe.com. Please read the page very carefully. By using this website, you agree to be limited by the Terms and conditions given below. If you do not accept these Terms and Conditions, please do not utilize this website. These Terms and Conditions supersede any other agreements that you may have with Home of Expertise regarding this subject matter. In its sole discretion, Home of Expertise may revise the Terms and Conditions at any time. So, you should visit this page from time to time to go through the Terms and Conditions.


The contents of this website, such as images, graphics, text, and other content, are protected by copyright under the law of the United States of America. These Terms and Conditions do not give you any license of any kind to the material on the website. Home of Expertise authorizes You to see and download a single copy of the material on the website for non-commercial personal usage. Any unauthorized usage of the material on the website violates copyright and other related laws. You agree to retain the copyright and other proprietary notices contained in the original material of the website on any copy of such material. Except as provided herein, You cannot sell or modify the material on the website or distribute, display, reproduce, or otherwise utilize the material on the website in any way for any commercial or public purposes. The usage of the site material in a networked environment or any other website is strictly prohibited. Home of Expertise retains the intellectual property rights in the material on the website.


The logos, marks, and names on the website are, unless otherwise stated, trademarks owned by or licensed to Home of Expertise. Except as given in these Terms and Conditions, your usage of these marks is completely prohibited. From time to time, Home of Expertise makes fair usage in this website of trademarks owned and utilized by third parties. Home of Expertise makes no claim to the ownership of these marks.

User Submissions

Home of Expertise welcomes your reviews and comments on the services and products listed on the website. But, you acknowledge that if you give us any concepts, notes, ideas, suggestions, comments, reviews, or other information, the information shall be redeemed, and will remain, Home of Expertise property. By submitting any info you give to Home of Expertise, we shall own all the rights to such info of all kinds and nature known now or hereafter existing. Home of Expertise shall be entitled to delete, publish, alter, and utilize the information for any purposes without compensation to You or the supplier of the information. Notwithstanding, Home of Expertise disclaims all the liability for the reviews or comments posted by the users on the website. As a user of this website, you are responsible for your communications. Home of Expertise reserves the right to expel You and limit Your further access to this website for violating these Terms and Conditions or the law. The violation of any clause of these Terms and Conditions shall result in the instant revocation of your right to utilize or access the website or the materials on the website and obligates You to instantly remove any copies of the material of the website that is in Your possession.

Product and Service Rankings

The website gives a forum, which includes a service or product ranking. You may get recommendations of services and products by Home of Expertise. The Rankings' information is given strictly as a source of data for You and is given merely as a convenience. The information represents our analysis and opinion based on objective and subjective criteria. You are recommended to undertake your own investigation and research before engaging services with any firm, regardless of their listing. You agree not to hold Home of Expertise, its affiliates, employees, directors, officers, managers, or members liable for any opinions, comments, descriptions, omissions or errors, representations, or statements posted on the website. By creating and posting such Rankings, Home of Expertise makes no warranties or representation as to the factual basis or accuracy of the Rankings. In compliance with federal law, all the price quotes given on the Rankings are updated on at least a weekly basis. But our evaluation process is continuous development. We may experiment with different processes for our examinations and remove or add specific elements whenever needed. Home of Expertise is a private firm and is not affiliated with any non-profit or government firms. Home of Expertise gets compensation from many of the firms which it ranks. While the recommendations and information contained on this website have been gathered from sources that are seen as reliable, Home of Expertise makes no guarantee and assumes any responsibility for the completeness, sufficiency, or correctness of any such recommendations or information. Other or additional safety precautions may be needed under some particular circumstances.

Limitation of Liability

Home of Expertise does not warrant that the website will function error-free or that it and its server are free of any viruses or other harmful material. Suppose Your usage of the website or the materials on the website results in any expenses or costs, including, without limitation, the requirement for replacing or servicing data or equipment. In that case, Home of Expertise shall not be responsible for those expenses or costs. This site and the materials are given based on your own risk and without any warranties of any type. To the fullest extent allowed by law, Home of Expertise disclaims all the warranties, including the warranty of fitness for a particular purpose, non-infringement of third parties rights, and warranty of merchantability. Although Home of Expertise looks to give accurate and thorough materials on the website, we make no guarantees about the timeliness, completeness, reliability, and accuracy of the material, links, graphics, text, software, and services.

Disclaimer of Consequential Damages

Under no circumstances shall Home of Expertise, its affiliates, or any other third parties mentioned on the website will continue to be liable for any damages whatsoever, including, without limitation, any indirect or incidental lost profits, and punitive or consequential damages. It also includes damages resulting from business interruption and lost data resulting from the usage or inability to use the services, guidance, advice, or material on this website or the websites linked to it. This is valid whether based on tort, contract, warranty, or any other legal theory, and whether or not Home of Expertise is advised of the probability of such damages.


This website has links to sites that are owned by third parties. The links are given only as a convenience to You and are not endorsed by Home of Expertise of the content on these other websites. Home of Expertise is not responsible for the content of the linked websites and makes no representations about the accuracy or content of the materials on these websites. If you choose to visit any third-party websites by utilizing the links from this website, You will do so at your own risk.


By utilizing this website, You agree to hold harmless, indemnify, and defend Home of Expertise and its Partners from and against any and all expenses, costs, damages, claims, and losses, including proper accounting and legal fees that Home of Expertise may become obligated to pay resulting or to arise from your usage of the material on the website your breach of these Terms and Conditions. Home of Expertise reserves the right to participate or assume, at your expense, in the defense, settlement, and investigation of any such claim or action.


These Terms and Conditions are under the substantive laws of the United States of America. You agree to submit to the jurisdiction of the courts situated in the United States of America with respect to any cause of action, disagreement, or dispute involving or related to this website. Suppose any provision is seen to be invalid by any court having the competent jurisdiction. In that case, the invalidity of those provisions will not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in effect and in full force. No waiver of any of the Terms and Conditions shall be seen as a continuing or further waiving of such terms or any other term. Except as expressly given elsewhere in our website, these Terms and Conditions constitute the whole agreement between You and Home of Expertise with respect to your usage of this website.