Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing, browsing, or utilizing the interactive calculators, programmatic state hubs, scripts, or content on RealBuyerAgent.com (the "Site"), you acknowledge that you have read, understood, and agreed to be legally bound by these Terms of Service. If you do not agree with these terms, your sole remedy is to discontinue use of the Site immediately.

2. Nature of Calculations & Negotiation Scripts

The tools provided on RealBuyerAgent.com model hypothetical scenarios surrounding buyer agent commissions and cash requirements under the 2024 National Association of Realtors (NAR) settlement and international real estate markets (Australia, Canada, United Kingdom).

• Commissions Are Fully Negotiable: By law and regulatory decree, real estate commissions, fees, and compensation models are strictly negotiable between clients and licensed brokers. No state or federal statute mandates a minimum or maximum fee.
• Local Nuances & Lender Limits: Mortgage programs (e.g., Fannie Mae, Freddie Mac, FHA, VA) impose strict regulatory caps on Interested Party Contributions (IPCs) and seller concessions (typically ranging from 3% to 9% depending on down payment). Users must verify with their specific lender whether any negotiated seller credit toward buyer broker fees complies with agency underwriting rules.
• Negotiation Scripts: Suggested interview scripts and negotiation templates are informational conversation starters only and do not constitute formal legal contract language.

3. Permitted & Prohibited Uses

You are granted a non-exclusive, non-transferable, revocable license to access and use RealBuyerAgent.com for your personal, non-commercial educational use.

You agree that you will NOT:

• Scrape, crawl, harvest, or extract data from the Site using automated bots or spiders for commercial aggregation without explicit written authorization.
• Attempt to reverse-engineer, decompile, or disrupt our application infrastructure or server networks.
• Frame, mirror, or repackage our calculators within a paid white-label product without licensing.
• Use the Site in any manner that violates applicable federal, state, local, or international real estate regulatory statutes.

4. Intellectual Property Rights

All content, computational algorithms, visual designs, brand assets, logos, and programmatic directory architectures on RealBuyerAgent.com are protected under United States and international copyright, trademark, and intellectual property laws. All trademarks not owned by RealBuyerAgent.com (including "Realtor®," which is a registered collective membership mark of the National Association of Realtors) are the property of their respective trademark holders. Reference to third-party marks does not imply endorsement, affiliation, or sponsorship.

5. Disclaimer of Warranties ("As-Is" Basis)

PLEASE READ CAREFULLY:

REALBUYERAGENT.COM AND ALL ASSOCIATED CALCULATORS, DATA, MATERIALS, AND SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT CALCULATIONS WILL BE UNERRING, ACCURATE, UNINTERRUPTED, OR FREE FROM TRANSMISSION ERRORS.

6. Limitation of Liability

IN NO EVENT SHALL REALBUYERAGENT.COM, ITS FOUNDERS, OPERATORS, CONTRIBUTORS, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF MONETARY FUNDS, CLOSING DISPUTES, BROKERAGE COMMISSIONS PAID, REAL ESTATE LOSSES, OR MORTGAGE CONTRACT BREACHES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7. Governing Law & Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any legal claim arising from these terms shall be subject to the exclusive jurisdiction of the state and federal courts located within the United States.