Terms and Conditions

Overview
In the paragraphs below ("we," "us," or "our") refers to Real Estate Consultants, L.L.C., the owners of this and other websites. We reserve the right to modify, alter or otherwise update these Terms at any time. Such modifications shall be effective immediately upon posting. By using this website after we have posted notice of such modifications, alterations or updates you agree to be bound by such revised Terms.In accordance with our goals, this website will permit you to link to other websites, that may or may not be affiliated with this website and they may have terms of use that differ from, or contain terms in addition to, the terms specified here. Your access to such websites through links provided on this website is governed by the terms of use and policies of those sites.

Privacy
Registration data and certain other information about you is subject to our Privacy Policy. For more information, please review our full Privacy Policy which can be found below.

Trademarks, Copyrights and Restrictions
All content on this website, including, but not limited to text, images/nj/, illustrations, audio clips, and video clips, is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by U.S. and worldwide copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes). These collective works are under our ownership or by our affiliates, or by third party content providers, merchants, sponsors and licensors (collectively "Providers") that have licensed their content or the right to market their products and/or services. Content on this website or any website owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use. You may print a copy of the content and/or information contained herein for your personal, non-commercial use only, but you may not copy, reproduce, republish, upload, post, transmit, distribute, and/or exploit the content or information in any way (including by e-mail or other electronic means) for commercial use without the our prior written consent. Without our prior written consent your modification of the content, use of the content on any other website or networked computer environment, or use of the content for any purpose other than personal, non-commercial use, violates our rights, copyrights, trademarks or service marks and other proprietary rights, and is prohibited. As a condition to your use of this website, you warrant that you will not use our website for any purpose that is unlawful or prohibited by these Terms, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material. If you violate any of these Terms, your permission to use our website immediately terminates without the necessity of any notice. We retain the right to deny access to anyone at our discretion for any reason, including for violation of these Terms. You may not use on your website any trademarks, service marks or copyrighted materials appearing on this website, including but not limited to any logos or characters, without the express written consent of the owner of the mark or copyright. You may not frame or otherwise incorporate into another website any of the content or other materials on this website without our prior written consent.

Links
This website may contain links to other websites ("Linked Sites"). The Linked Sites are provided for your convenience and information only and, as such, you access them at your own risk. The content of any Linked Sites is not under our control, and we are not responsible for, and do not endorse, such content, whether or not we are affiliated with the owners of such Linked Sites.

Disclaimer of Warranties and Liability
ALL CONTENT ON THIS WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE U.S. LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION, WE DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER WE OR OUR AFFILIATED OR RELATED ENTITIES, NOR THE PROVIDERS, NOR ANY PERSON INVOLVED IN THE CREATION, PRODUCTION, AND DISTRIBUTION OF THIS WEBSITE WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT THAT YOU ACCESS ON THIS WEB SITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATION ONLY. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE, OR AS TO THE RELIABILITY, ACCURACY OR CURRENCY OF ANY INFORMATION CONTENT, SERVICE AND/OR MERCHANDISE ACQUIRED PURSUANT TO YOUR USE OF THIS WEB SITE. YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF YOUR SYSTEM. YOU EXPRESSLY AGREE THAT NEITHER WE NOR OUR AFFILIATED OR RELATED ENTITIES (INCLUDING ITS PROVIDERS), NOR ANY OF THEIR RESPECTIVE EMPLOYEES, OR AGENTS, NOR ANY PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION AND DISTRIBUTION OF THIS WEB SITE, IS RESPONSIBLE OR LIABLE TO ANY PERSON OR ENTITY WHATSOEVER FOR ANY LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE), INJURY, CLAIM, LIABILITY OR OTHER CAUSE OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON OR RESULTING FROM THE USE OR ATTEMPTED USE OF THIS WEBSITE OR ANY OTHER LINKED SITE. BY WAY OF EXAMPLE, AND WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE AND RELATED PERSONS AND ENTITIES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CLAIM OR DAMAGE ARISING FROM FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION, COMPUTER VIRUS, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO OR ALTERATION OF PERSONAL RECORDS, OR THE RELIANCE UPON OR USE OF DATA, INFORMATION, OPINIONS OR OTHER MATERIALS APPEARING ON THIS WEB SITE. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE OR RESPONSIBLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SUBSCRIBERS OR THIRD PARTIES. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification
You agree to indemnify us, defend us, and hold us harmless, including the Providers, and their officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation by you of these Terms.

Third Party Right
These Terms are for our benefit and our Providers, officers, directors, employees, affiliates, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its or their own behalf.

Jurisdictional Issues
Unless otherwise specified, the content contained in this website is presented solely for your convenience and/or information. We make no representation that content in this website is appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. You may not use or export the materials in this website in violation of U.S. export laws and regulations. These Terms shall be governed by, construed and enforced in accordance with the laws of the State of New Jersey, as they are applied to agreements entered into and to be performed entirely within such State. Any action we, you, or any third party brings to enforce these Terms, or in connection with any matters related to this website, shall be brought only in either the state or Federal courts located in and for Morris County, New Jersey and you expressly consent to the jurisdiction of said courts. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed sever able from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Entire Agreement
The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between the owners of this website, its affiliated or related entities, and you, and supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding, the last published Terms or terms of use or understanding shall prevail.

ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY THE OWNERS OF THIS WEB SITE.

PRIVACY POLICY
We recognize the importance of protecting the privacy of certain information ("Information") collected about our customers and prospective customers (referred to as "Customers," "you" or "your"). This privacy statement discloses what information we gather, how we use it, and how to correct or change it. It is our intention to give you an understanding about how we collect your Information and the use we make of it in the course of our business.

To that end we gather two types of information about Customers: data that Customers provide through optional, voluntary registration on our sites; and data we gather through aggregated tracking, mainly by tallying page views throughout our sites. Such information enables us to tailor our content to fit Customers' needs better and to help our advertisers understand our audience.

Information collection and use
We collect information by specifically requesting it from you. Generally this occurs when you register or request information or a service. Usually, our sites and those of our service partners use your information to operate the sites and to deliver services. We also use your information to inform you about other products or services available from us and our affiliates.

By completing our registration, or requests for service, pages you are expressly giving your permission for us to contact you via any/all of the contact mechanisms you voluntarily provide. By supplying such information you agree to permit us, or from time to time, any of our affiliates to contact you via telephone at the number you provided regardless of whether that number appears on the National Do No Call Registry or any State or local registries.

YOU ARE UNDER NO OBLIGATION TO USE THE MORTGAGE SERVICES OF WELLS FARGO HOME MORTGAGE WHO IS AFFILIATED WITH THIS REAL ESTATE LICENSEE. YOU MAY OBTAIN YOUR MORTGAGE LOAN FROM ANOTHER SOURCE.

Usage tracking
Use of Internet Protocol ("IP") Addresses :
An IP address is a unique number that is automatically assigned to your computer whenever you're surfing the Internet so that your computer can be identified by the main computers, known as "Web servers," that "serve up" Web pages.

We collect IP addresses for the purposes of system administration, to report aggregated information to our partners, and to audit the use of our site. When Customers request pages from us and/or its affiliates' sites, our servers log the Customers' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a Customer's session will be logged, but the Customer will remain anonymous to us. We can and will use IP addresses to identify a Customer when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, customers or others.

Use Of Cookies
What are cookies? Cookies are small pieces of information that a website sends to your computer for record-keeping purposes, which information is stored in a file on your computer. Cookies make web surfing easier for you by saving your preferences so that we can use the saved information to facilitate your use of our website when you return to the site. Cookies do not tell us your individual identity unless you have chosen to provide it to us. We never save passwords or credit card information in cookies. The use of cookies is an industry standard, and as such, you'll find that most major websites use them.

By showing how and when Customers use a site, cookies help us see which areas are popular and which are not. Many improvements and updates to the site are based on such data as total number of visitors and pages viewed. This information is most easily tracked with cookies. We use the information from cookies to provide services better tailored to our Customers' needs.

Most cookies expire after a defined period of time, or you can delete your cookie file at any time. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, note that some parts of our services will not function properly or may be considerably slower if you refuse cookies.

With whom do we share information?
As a general rule we will not disclose any specific personal information that you submit to us about you ("Personal Information") in a manner that connects you with the Personal Information, except when we have your permission or under special circumstances, such as when we believe in good faith that the law requires it or under the circumstances described below. The following describes some of the ways that your Personal Information may be disclosed.

Business Partners & Sponsors: We may disclose some or all of your Personal Information to business partners or sponsors. By requesting more information, you give us permission to transfer your Personal Information to the sponsor so they can fulfill your request.

Third Party & Aggregate Data: From time to time, you may be offered the opportunity to receive materials or special offers from third parties.

Other: We may also disclose information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our terms of use or terms of service, or may be causing injury to or interference (either intentionally or unintentionally). We may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

The importance of security of all information associated with our Customers is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, we can't ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk.

YOUR ACCEPTANCE OF THESE TERMS
By using this website, you signify your agreement to our Privacy Policy and the terms described on this web page. Your continued use of our sites and/or our affiliates' sites following the posting of changes to these terms will mean you accept those changes.