Last Updated: August 7, 2018

Welcome to this website (Site) operated by the Insight Center for Community Economic Development (Insight Center), a California nonprofit public benefit corporation, exempt from federal income tax under Section 501(c)(3) of the Internal Revenue Code.  We operate this Site to further our charitable and educational mission. Before using this Site, please read these Terms of Use (Terms). By using this Site, you agree to be bound by the Terms. We may modify the Terms at any time, so please review these Terms periodically.  Your use of the Site after a change has been posted will be subject to the modified Terms.

Privacy Policy

Please review our Privacy Policy, which is incorporated into and a part of these Terms.

Copyrights; Trademarks

Insight Center owns or licenses the copyrights and other intellectual property rights in the materials on this Site, and those rights are protected by United States and international copyright and other intellectual property laws.  Text materials may be used, downloaded, reproduced, or reprinted for your personal or organization’s non-commercial purposes only. All copies must contain the following attribution: “Reproduced with permission of Insight Center,” and such other statements as provided on this Site.  All copies of materials from the Legal sections of this Site must include the additional legend: “This document is provided for general information only, and is not intended as a source of legal advice. Users are encouraged to seek the advice of an attorney.” You must include all copyright notices displayed on the materials.  Text materials may not be changed in any way. The Insight Center’s prior written consent is required for any commercial use of text material. The graphic materials on this Site, including photographs, illustrations, and artwork, may not be used for any purpose without the prior written permission of the copyright owner.

The term “Insight Center for Community Economic Development,” our logo and other trademarks, service marks and indicia of source (Marks) are owned by Insight Center.  You may not use our Marks in connection with any product or service that does not belong to us, nor in any manner likely to cause confusion about whether we are affiliated with or the source, sponsor, or endorser of the product or service or in any manner that disparages us.


You may link to the home page of Insight Center as long as the link does not cast us in a misleading light, and the page containing the link properly identifies this Site and does not state or imply any sponsorship by or affiliation with Insight Center.  We may revoke this permission at any time. Without our prior written permission, you may not create a link that incorporates or relies upon, in whole or in part, any content from this Site. Insight Center has no responsibility for the content of websites that link to our Site.

We provide links to other websites that we think may be of interest to you.  Unless specifically stated otherwise on the other website, we exercise no control over and are not responsible or liable for the content, privacy practices, security, or other activities on these other websites, and we are not endorsing, sponsoring, or recommending the information, products, or services found there.  You should read the privacy policies or terms of use that govern your use of other websites. Please direct any concerns or complaints you may have regarding an external link to that site’s administrator.


You agree to indemnify and, if requested, defend Insight Center, its affiliates and its respective directors, officers, employees, and agents from all liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, that an indemnified party may incur based on any third-party claims related to or arising out of your acts or omissions in connection with your use of the Site or your violation of these Terms.


Insight Center reserves the right to modify or discontinue, temporarily or permanently, this Site or any part of it with or without notice.  While we use reasonable efforts to include accurate and up-to-date information on this Site, we make no warranties or representations as to its accuracy or up-to-date status.  The materials contained on this Site are provided “as is” and without any implied or express warranties. We do not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this Site is free of viruses or other harmful components.  We do not warrant or make any representations regarding the use or results of the use of this Site in terms of accuracy, reliability, or appropriateness for the user.

The information provided on this Site of a legal or financial nature is intended as general information only and not as specific legal or financial advice.  We assume no liability for your use or interpretation of information contained on this Site. Any information sent to this Site or received through this Site does not establish an attorney-client relationship.  An attorney-client relationship must be established with Insight Center before any communications will be treated as privileged or confidential. We advise anyone reading documents on this Site containing legal or financial information to consider pursuing independent legal or financial advice that addresses the specific situation the person or organization is encountering.  Please consult an attorney for a full explanation of your legal rights with regard to the benefits explained in the Self-Sufficiency Calculator. Insight Center cannot and is not representing or guaranteeing the accuracy or the up-to-date status of legal references or legal or financial information contained in the material on this Site. Any reader that relies on this information does so solely at his or her own risk.

Governing Law

These Terms are governed by the laws of the State of California applicable to contracts made and performed within the State without regard to its conflicts of law principles.  By using this Site, you agree to submit to the personal and exclusive jurisdiction of the courts located in the County of Alameda, State of California with respect to any dispute arising under these Terms.

General Provisions

Nothing in these Terms creates an agency, partnership, joint venture, employer-employee, attorney-client, or similar relationship between Insight Center and any user of this Site.  These Terms constitute the entire agreement and supersede all other agreements between you and Insight Center regarding your use of the Site. If any provision of these terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intentions reflected in the provision, and the other provisions of these Terms remain in full force and effect.  You may not assign your rights under these Terms without Insight Center’s prior written consent. Insight Center may assign these Terms and transfer any of its rights, obligations, and information provided at any time for any reason.

Contact Us; Comments and Questions

We strive to ensure that your visit to our Site is a satisfactory one.  If you have any questions, comments, or concerns about our Terms or the Site, please visit the Contact Us section of this Site.