Important: By accessing, logging into, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not access or use the Platform.

These Community Investment Platform Terms and Conditions ("Terms") govern access to and use of the Federal Home Loan Bank of San Francisco ("FHLBank San Francisco," "Bank," "we," "us," or "our") Community Investment Platform ("Platform").

The Platform supports FHLBank San Francisco Community Investment programs, products, services, funding opportunities, applications, awards, reporting requirements, certifications, surveys, compliance activities, monitoring activities, modifications, repayment processes, and other related business activities (collectively, "Community Investment Activities").

These Terms supplement and do not replace any applicable agreements, program requirements, policies, regulations, guidance, award documents, certifications, or other contractual obligations between FHLBank San Francisco and any Member institution, Sponsor organization, Affiliate, Authorized Representative, or other participating party.

1. Authorized Users

The Platform may be accessed only by individuals authorized by:

·     A Member institution;

·     A Sponsor organization;

·     An Affiliate of a Member or Sponsor;

·     Any project development partner or consultant, authorized by Sponsor;

·     Any other individual approved by FHLBank San Francisco.

For purposes of these Terms, all such individuals are referred to as "Authorized Representatives." The Member, Sponsor, Affiliate, or other organization on whose behalf an Authorized Representative accesses the Platform is responsible for activities conducted by its Authorized Representatives. The Bank may approve, deny, suspend, restrict, or revoke Platform access at any time.

2. Acceptable Use

Authorized Representatives may use the Platform solely for legitimate business purposes related to Community Investment Activities administered by FHLBank San Francisco. Users agree not to:

·     Access information they are not authorized to view;

·     Permit another person to use their credentials or share login credentials;

·     Upload or submit malicious code, malware, ransomware, viruses, or other harmful content;

·     Interfere with Platform operation or security, or circumvent authentication, authorization, monitoring, or security controls;

·     Reverse engineer, decompile, disassemble, modify, copy, or create derivative works of the Platform;

·     Use automated tools, bots, scripts, or scraping mechanisms without prior written authorization from the Bank;

·     Submit inaccurate, misleading, fraudulent, unlawful, or deceptive information; or

·     Use the Platform in violation of applicable law, regulation, agreement, program requirement, or these Terms.

3. Information Submitted to the Platform

The Platform may collect, store, process, display, and transmit information entered directly into the Platform and documents or files uploaded to the Platform, including:

·     Data submitted through electronic forms;

·     Application and funding-request materials;

·     Certifications, reports, surveys, and correspondence;

·     Supporting documentation, uploaded files, and attachments; and

·     Other information provided in connection with Community Investment Activities.

Users are responsible for ensuring that all submitted information is accurate, complete, current, truthful, authorized for submission, and appropriate for the applicable business purpose. Users shall promptly correct information that becomes inaccurate, misleading, incomplete, or outdated. The Bank may review, validate, request clarification regarding, reject, or remove submitted information.

4. Prohibited Information

Users shall not submit, upload, store, or maintain information that is unnecessary for the applicable Community Investment Activity. Unless specifically requested by the Bank or otherwise required by law or program requirements, users shall not upload:

·     Social Security numbers;

·     Driver's license or passport numbers;

·     Individual bank account, credit card, debit card, or payment card information;

·     Medical records or protected health information;

·     Consumer credit reports or credit histories;

·     Personal financial account information of individuals; or

·     Other highly sensitive personal information not required for the applicable business purpose.

Users are responsible for reviewing information and uploaded documents before submission and ensuring they contain only information necessary for the applicable Community Investment Activity.

5. Confidentiality

Information available through the Platform may include confidential, proprietary, business-sensitive, non-public, or regulatory information belonging to the Bank or other participants. Users shall:

·     Protect confidential information using reasonable administrative, technical, and physical safeguards;

·     Use confidential information only for authorized Community Investment purposes;

·     Limit disclosure to individuals with a legitimate business need to know; and

·     Promptly notify the Bank of any actual or suspected unauthorized access, disclosure, loss, or misuse.

Confidentiality obligations survive termination of Platform access.

6. User Credentials and Security

Users are responsible for maintaining the confidentiality of their credentials; protecting authentication methods and devices used to access the Platform; immediately reporting suspected credential compromise; promptly notifying the Bank when access is no longer required; and complying with security requirements communicated by the Bank. Users remain responsible for activities occurring under their accounts.

Report security concerns, access issues, or suspected unauthorized activity to communityinvestment@fhlbsf.com.

7. Ownership and Intellectual Property

The Platform, including its software, interfaces, designs, content, trademarks, logos, functionality, and related intellectual property, is owned by FHLBank San Francisco or its licensors. Except as authorized in writing by the Bank or permitted by applicable law, users may not reproduce, modify, distribute, publish, license, commercialize, or create derivative works from any portion of the Platform. All rights not expressly granted are reserved.

8. Data Usage and Records

Information submitted through the Platform may be retained, reviewed, processed, analyzed, audited, archived, disclosed, and used by the Bank as necessary to:

·     Administer Community Investment programs and activities;

·     Evaluate applications and process funding requests;

·     Monitor compliance and conduct reviews or audits;

·     Meet legal, regulatory, reporting, and recordkeeping obligations;

·     Resolve disputes; and

·     Operate, secure, support, and improve Platform functionality.

The Bank may maintain records for periods required by applicable law, regulation, policy, agreement, or business need.

9. Monitoring and Audit Rights

The Bank may monitor, review, log, retain, audit, and analyze Platform activity for security, operational, legal, compliance, fraud prevention, program administration, risk management, and regulatory purposes. Users should have no expectation of privacy regarding information submitted through or activity conducted on the Platform, except as otherwise provided by law.

10. Disclaimer

THE PLATFORM AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FHLBANK SAN FRANCISCO DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, OR RELIABILITY. THE BANK DOES NOT GUARANTEE THAT THE PLATFORM WILL OPERATE WITHOUT INTERRUPTION, ERROR, DELAY, SECURITY INCIDENT, OR SERVICE DISRUPTION.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FHLBANK SAN FRANCISCO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS OPPORTUNITY ARISING OUT OF OR RELATED TO THE PLATFORM OR ITS USE. ACCESS TO AND USE OF THE PLATFORM IS AT THE USER'S OWN RISK.

12. Indemnification

Users and the organizations they represent agree to defend, indemnify, and hold harmless FHLBank San Francisco and its directors, officers, employees, agents, and representatives from and against claims, liabilities, damages, losses, costs, expenses, or attorneys' fees arising from a violation of these Terms, improper use of the Platform, submission of inaccurate or unauthorized information, violation of law, or infringement of third-party rights.

13. Suspension and Termination

The Bank may suspend, restrict, or terminate Platform access at any time, with or without notice. Upon termination, users shall discontinue Platform use and continue complying with obligations that survive termination, including confidentiality, record retention, audit cooperation, indemnification, and intellectual property provisions.

14. Community Investment Program Administration

Nothing in these Terms limits the Bank's authority, discretion, or responsibility regarding Community Investment program administration. The Bank retains discretion regarding:

·     Program eligibility and requirements;

·     Application review and scoring methodologies;

·     Funding and award decisions;

·     Award modifications and repayment determinations;

·     Compliance and monitoring conclusions;

·     Remedial actions; and

·     Interpretation and implementation of applicable program requirements.

Platform use does not create any entitlement to funding, approval, award, participation, or other benefit.

15. Other Agreements and Website Terms

These Terms operate in conjunction with applicable agreements, program requirements, award documents, policies, laws, regulations, and the FHLBank San Francisco website Terms of Use. If an express conflict exists, the applicable governing agreement, program requirement, law, or regulation controls.

16. Changes to These Terms

The Bank may revise these Terms from time to time. Revised Terms may be posted or otherwise made available through the Platform. Continued access to or use of the Platform after revised Terms become effective constitutes acceptance of the revised Terms.

17. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles that would apply the substantive law of another jurisdiction.

18. Contact Information

Questions regarding Platform access, security, technical issues, or these Terms may be directed to communityinvestment@fhlbsf.com.