Acceptance of the Terms of Use

Welcome to the website of Equity Smart Real Estate Services ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms of Use") govern your access to and use of www.equitysmartres.com, including any content, functionality, tools, forms, and services offered on or through the website (the "Website").

Please read these Terms of Use carefully before using the Website. By accessing or using the Website, or by clicking to accept or agree to these Terms of Use when such an option is made available, you accept and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available only to users who are eighteen (18) years of age or older and who reside in the United States or its territories or possessions. By using this Website, you represent and warrant that you meet these eligibility requirements.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter.

Your continued use of the Website following the posting of revised Terms of Use constitutes your acceptance of the changes. You are expected to review this page periodically so you are aware of any changes, as they are binding on you.

Accessing the Website and Availability

From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users. We reserve the right to withdraw, amend, or restrict access to the Website or any portion of it at any time, without notice. We will not be liable if all or any part of the Website is unavailable at any time.

Permitted Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms of Use. The Website is intended solely for personal, non-commercial use related to general real estate information, inquiries, and services.

Nothing on this Website constitutes:

• A binding real estate brokerage agreement
• The creation of an agency relationship
• Legal, financial, tax, or investment advice
• A guarantee of property availability, pricing, or suitability

Any services provided by Equity Smart Real Estate Services are subject to separate written agreements, disclosures, and applicable state licensing laws.

Account Security and User Information

To access certain features of the Website, you may be required to provide registration details or other information. You agree that all information you provide is accurate, current, and complete.

All information collected through the Website is governed by our Privacy Policy.

You are responsible for maintaining the confidentiality of any credentials associated with your use of the Website and for all activities conducted through your access. We reserve the right to suspend or terminate access if we believe information provided is inaccurate, incomplete, or violates these Terms of Use.

Intellectual Property Rights

The Website and its entire contents, features, and functionality — including text, graphics, images, video, audio, software, and design — are owned by Equity Smart Real Estate Services, its licensors, or other content providers and are protected by U.S. and international copyright, trademark, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from the Website except for personal, non-commercial use as expressly permitted by these Terms of Use.

Any unauthorized use terminates your right to use the Website and may violate applicable laws.

Trademarks

The Company name, logos, slogans, designs, and related branding elements are trademarks of Equity Smart Real Estate Services or its licensors. You must not use such marks without prior written permission.

All other trademarks appearing on the Website are the property of their respective owners.

Prohibited Uses

You agree not to use the Website:

• In any way that violates applicable federal, state, or local laws
• To exploit, harm, or attempt to harm minors
• To transmit unsolicited advertising, spam, or promotional material
• To impersonate the Company, its employees, agents, or affiliates
• To interfere with the operation, security, or integrity of the Website

Additionally, you agree not to:

• Introduce viruses, malware, or harmful code
• Attempt unauthorized access to systems or data
• Use automated means to scrape, copy, or monitor Website content
• Engage in conduct that may harm the Company or other users

Monitoring, Enforcement, and Termination

We reserve the right to monitor Website usage for compliance with these Terms of Use. We may take any action we deem necessary or appropriate, including:

• Removing or refusing to post content
• Restricting or terminating access to the Website
• Referring matters to law enforcement when appropriate

You agree to hold harmless the Company and its affiliates from claims arising out of actions taken to enforce these Terms. We reserve the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone accessing or using the Website.

Use of Artificial Intelligence and Automated Tools

The Website may include artificial intelligence–powered tools, chatbots, automated responses, or similar technologies ("Automated Tools") designed to provide general information and assist users in navigating the Website.

Automated Tool responses are generated automatically and may be incomplete, outdated, or inaccurate. They are provided for general informational purposes only and do not constitute legal, financial, mortgage, real estate, tax, or professional advice, nor do they create any binding obligation, commitment, or representation by the Company.

Information provided by Automated Tools is not an offer to lend, a commitment to lend, a guarantee of loan approval or terms, or a representation regarding property availability, pricing, or suitability.

Users should not rely solely on information provided by Automated Tools and should verify all information independently or consult directly with a licensed representative of the Company before making any decisions.

The Company disclaims all liability arising from or related to the use of Automated Tools, including reliance on any information generated by such tools.

Third-Party Content and Links

This Website may contain content provided by third parties, including links to third-party websites, services, advertisements, listings, or resources. These links are provided for convenience only. Equity Smart Real Estate Services does not control and is not responsible for the content, accuracy, availability, security, or privacy practices of third-party websites. Any reliance on third-party content is at your own risk.

Geographic Restrictions

The Website is owned and operated in the State of California, United States. The Website is intended solely for use by individuals located within the United States. We make no representation that the Website or its content is accessible, appropriate, or legal outside the United States. Accessing the Website from outside the United States is done at your own initiative and risk.

Disclaimer of Warranties

YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUITY SMART REAL ESTATE SERVICES DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND AVAILABILITY.

MLS and Listing Information Disclaimer

Property listings, pricing, availability, square footage, images, and related information displayed on this Website are provided by third-party sources, including multiple listing services (MLS), brokers, agents, and other data providers, and are subject to change without notice.

Equity Smart Real Estate Services does not guarantee the accuracy, completeness, or timeliness of any listing information and makes no representations or warranties regarding the condition, status, or suitability of any property. Users are encouraged to independently verify all property information prior to relying on it for any decision.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL EQUITY SMART REAL ESTATE SERVICES, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE WEBSITE.

THIS INCLUDES, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOSS OF DATA, LOSS OF PROFITS, OR BUSINESS INTERRUPTION, EVEN IF FORESEEABLE.

Indemnification

You agree to defend, indemnify, and hold harmless Equity Smart Real Estate Services and its affiliates, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict-of-law principles.

Any legal action or proceeding arising out of or relating to these Terms of Use or the Website shall be brought exclusively in the state or federal courts located in Los Angeles County, California. You consent to the jurisdiction and venue of such courts.

Limitation on Time to File Claims

Any claim or cause of action arising out of or relating to these Terms of Use or the Website must be commenced within one (1) year after the claim accrues. Otherwise, such claim is permanently barred.

Waiver and Severability

No waiver of any provision of these Terms of Use shall be deemed a waiver of any other provision. If any provision is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use and the Privacy Policy constitute the entire agreement between you and Equity Smart Real Estate Services regarding the Website and supersede all prior agreements or understandings relating to the Website.

Contact Information

This Website is operated by:

Equity Smart Real Estate Services
1499 Huntington Drive #500
South Pasadena, CA 91030

Email: compliance@equitysmartloans.com