Strategic Lending

Terms and Conditions

Website Terms of Use

Acceptance of the terms of use

These terms of use are entered into by and between You, Strategic Lending, LLC, Real Estate Investors Club, LLC, and its affiliates and subsidiaries (collectively, the “Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of www.dfy-realestate.com (the “Website”), including any content, functionality and services offered on or through the “Website”, whether as a guest or a registered user.

Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

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 we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set forth in the Sections entitled “Governing Law” and “Jurisdiction” will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for:

Making all arrangements necessary for you to have access to the Website.
Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other personal information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

Reliance on Information Posted

The information presented on or through the Website, its content and services is made available solely for general information purposes. The information provided without regard to any particular user’s financial objectives, situation, or means, and the Company is not soliciting any action based upon it. The Company is not a licensed investment adviser or broker-dealer and will not provide you any investment advice or recommendations. The information provided on or through the Website and its content and services is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or strategy would be illegal. Certain transactions, including those involving real estate, give rise to substantial risk and are not suitable for all investors. Although this material is based upon information that the Company considers reliable and endeavors to keep current, the Company has not verified this information and does not represent that this material is accurate, current, or complete and it should not be relied upon as such. You should not construe any information, features, tools or other content provided by the Company as legal, tax, insurance, investment or financial advice. Nothing contained in the materials or the presentations provided to you shall be taken by you (or is meant to be taken by you) as a solicitation, recommendation, endorsement or offer by the Company or any third party to buy or sell any securities or other financial instruments. the Company does not purport to tell or suggest which investment properties any party should buy or sell for themselves.

Certain tools available on the Website may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. The Website is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Website may not be appropriate for your situation. Past performance is no guarantee of future results, and current performance may be lower or higher than the performance data quoted. Any results shown on the Website are not typical, results will vary based upon real estate prices, interest rates, creditworthiness and many other factors. You should consult your investment, legal and tax professionals regarding your specific situation.

You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information provided to you before making any decisions. You should always conduct your own research and due diligence and obtain professional advice before making any decision. You should not construe the Website as professional advice. the Company will not be liable for any loss or damage caused by an individual’s reliance on information obtained in any of its newsletters, special reports, seminars, presentations, email correspondences, or on the Website. In exchange for the services provided to you, you agree not to hold the Company or any of its employees or affiliates liable for any possible claim for damages arising from any decision you make based on information made available to you. No investment, legal or tax advice is given to you and you should consult your own licensed tax, legal or other advisors for such advice before you implement your financial decisions. No information that the Company gives or provides to you shall be construed by you as a recommendation by the Company to invest the equity in your home or in any retirement or savings accounts or to sell any securities. If you believe that any of the Company’s services provided to you are not consistent with the statements herein, contact the Company immediately so that the Company can clarify and/or modify any presentations to be consistent with these Terms. You agree to indemnify the Company for any damages, losses or expenses that the Company incurs as a result of any claims or statements by you that the Company provided services to you in violation of this section.

The fact that the Company has made the data and services provided on the Website available to you constitutes neither a recommendation that you enter into a particular transaction, nor a representation that any product described on the Website is suitable or appropriate for you. Many of the products described on the Website involve significant risks, and you should not enter into any transactions unless you fully understand all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make the Website the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you are urged to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.

We do not warrant the accuracy, completeness or usefulness of any of the information on the Website, or in its content or services. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

This Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

Non-Disclosure of Confidential Information

Through your relationship with the Company you may receive proprietary or confidential information of the Company, its suppliers or service providers that is not publicly known (“Confidential Information”). The Confidential Information may include business processes, strategies and provider and supplier contacts. You agree to treat the Confidential Information as strictly confidential. You may not, for any reason, directly or indirectly use, sell, lend, lease, distribute, license, give, transfer, disclose, disseminate, reproduce or otherwise communicate any Confidential Information to any person or entity for any purpose other than as authorized by the Company in writing.

You also agree that this provision for non-disclosure survives the termination of your relationship with the Company regardless of the reasons for the termination.

Intellectual Property Rights

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cashed by your Web browser for display enhancement purposes.
You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.
If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

You must not:

Modify copies of any materials from this site.
Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Trademarks

The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the esport of data or software to and from the US or other countries).
For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.
To Transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation.
To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.

Additionally, you agree not to:

Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.
Use any device, software or routine that interferes with the proper working of the Website.
To Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.
Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the Website.

Copyright Infringement

The Company takes claims of copyright infringement seriously. The Company will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access to them) from the Website by submitting written notification to our Copyright Agent (designated below). In accordance with the Digital Millennium Copyright Act (“DMCA”) the written notice (the “DMCA Notice”) must include substantially the following:

Your physical or electronic signature.
Us Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
Use Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.
Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).
A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the written notice is accurate.
A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated Copyright Agent to receive DMCA Notices is:

Stephen Earl
518 W 800 N Suite 204 Orem UT 84057
801-836-6050
steve@dfy-realestate.com

If you fail to comply with all of the requirements of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

Changes to the Website

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

Information About You and Your Visits to the Website

All information we collect on this Website is subject to our Privacy Policy By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Linking to the Website and Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

The Website may provide certain social media features that enable you to:

Link from your own or certain third-party websites to certain content on this Website.
Send e-mails or other communications with certain content, or links to certain content, on this Website.
Use Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us, solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

Establish a link from any website that is not owned by you.
Cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
Link to any part of the Website other than the homepage.
Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Geographic Restrictions

The owner of the Website is based in the state of [Utah] in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

NOTWITHSTANDING THE FOREGOING, THE COMPANY IS NOT IN THE BUSINESS OF PROVIDING FINANCIAL ADVISE, NOR SHOULD ANY INFORMATION OR MATERIALS SET FORTH ON THE WEBSITE, OR PRODUCTS OR SERVICES OFFERED ON THE WEBSITE, BE CONSIDERED FINANCIAL ADVISE. ACTUAL FINANCING ADVISE SHOULD BE SOUGHT BY YOU FROM YOUR FINANCIAL ADVISOR OR OTHER SIMILAR PROFESSIONAL.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Utah without giving effect to any choice or conflict of law provision or rule (whether of the State of Utah or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Utah in each case located in the City of Salt Lake and County of Salt Lake, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No waiver of by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Real Estate Investors Club, LLC with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

Your Comments and Concerns

This website is operated by Real Estate Investors Club, LLC, 518 W 800 N Suite 204 Orem UT 84057.

All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to: steve@dfy-realestate.com

Privacy Policy

This privacy policy (“Privacy Policy”) discloses what information Done For You Real Estate, and Strategic Lending, LLC (the “Company,” “we” or “us”) gathers about you through its website (the “Website”), however accessed, and how that information is used. The Company owns and operates the Website, and we use the personal information we receive from it as described below. We do not sell your personal information.

By using the Website and sharing your information with us, you consent to and accept the privacy practices described in this Privacy Policy.

At Strategic Lending, we respect your privacy and understand that the personal information you provide is extremely sensitive. We are disclosing the following privacy policy to comply with the Gramm-Leach-Bliley Act that governs the privacy of consumer financial information. This policy serves as a standard for all Strategic Lending employees for the collection, use, retention, and security of nonpublic personal information.

“Non-public personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you.

We take our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit.

We may disclose certain nonpublic personal information about you to third parties. For example, we may disclose nonpublic personal information about you to government entities in response to subpoenas, or to credit reporting agencies. Also, as permitted by federal and state laws, we may share or exchange nonpublic personal information about you which we have collected, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. These other entities may include but are not limited to Strongbrook REIC, LLC, The Real Estate Firm, LLC (TREF), The Financial Firm, LLC (TFF), The Companies, LLC, and Bank of American Fork.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law and stated in this privacy policy.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information so that it is kept private from the general public.

ONLINE INFORMATION PRACTICES

We are committed to protecting your personal privacy as you visit our Website. Accordingly, this Privacy Policy informs you how we collect and use your information on our Website.

INFORMATION WE MAY COLLECT

The information we collect varies depending on the type of activity you are performing on our Website and helps us personalize and continually improve your experience. Much of the Website can be accessed without providing any personal information. In all instances where we collect personal information through the Website, we specifically indicate what information is required in order to provide you with the product or service you have requested.

ONLINE APPLICATIONS AND ENROLLMENT FORMS

When you apply through our Website for products or services, we may need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply or enroll. Examples of information we may collect for our products, services, or enrollment include information such as your name, address, date of birth, gender, employment and financial information, address, e-mail address, etc. Information we capture through applications or enrollments is securely transferred to the corresponding business area for completion.

BROWSING

When you visit our Website, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. IP address information is not distributed to third parties. We use this information to improve your overall experience. We use cookies to help with navigation through our web pages; they are not used to gather any personal information about users.

HOW WE USE YOUR INFORMATION

The information you provide to us is primarily used to help us better serve you. We also use that information to deliver you or contact you about the requested products/services or information. We may also use your personal information to provide important information about products or services that you have or are using, including security risks and updates. Additionally, we may send you information about new products and services that may be of relevant interest to you. If you do not want to receive such marketing communications from us in the future, we will provide an Opt-out link or you can let us know by e-mailing or mailing us at the below respective addresses and telling us the name and addresses that you would like removed for those communications.

WHO WE SHARE YOUR INFORMATION WITH

We limit the release of information and we require privacy protections in our business relationships. We do not sell customer information. In addition, we may share your personal information when required by law, or with third parties that perform functions on our behalf.

COOKIES

A cookie is an element of data that a website can send to your browser, which is then stored on your system. A cookie is useful for having the browser remember specific information across several pages or between visits to a website. A cookie does not store personally identifiable information or any sensitive information. Also, our site does not read any information stored in cookies given to you from other websites, except in cases where the other website is a provider of information or functionality within our website and that cookie is necessary to make our website function correctly.

Our website makes use of cookies for the following purposes:

-Website administration and personalization
-Authentication
-Completing your request
-Analysis of page and website information that does not identify specific individuals

You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. Browsers may also be set up to display a warning when a cookie is used. You may even disable your browser from accepting cookies. In order to provide you with the best possible experience while visiting our website, please enable cookies within your browser. Some portions of our website may not function properly if cookies are disabled.

GOOGLE ANALYTICS

We use a tool called “Google Analytics” to collect information about use of this site across devices. We have implemented the Remarketing and AdWords features of Google Analytics. The Remarketing feature allows us to serve you relevant advertising on third party websites if you have visited our Website, however accessed, but does not personally or directly identify you. AdWords allows us to manage our advertising and collect information about your visit to our Website. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ad Settings. You can opt out of Google Analytics without affecting how you visit the Website. For more information on opting out of being tracked by Google Analytics, visit this Google page.

LEAVING OUR WEBSITE AND/OR LINKING TO THIRD PARTIES

Because our website is secure, your browser URL will inform you if you are leaving a secured portion of the site. We strive to ensure that any information you send us is safe. When you leave this Website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that we do not represent either the third party or you, if you enter into a transaction on the third party site. Further, the privacy and security policies of the linked site may differ from those practiced by us.

CONTROL OVER AND ACCESS TO YOUR INFORMATION

We enable you to have control over the accuracy of your personal information. You can delete or change your personal information with us at any time by contacting us via a method described under “Contact Us” below.

DO NOT TRACK

Third parties may collect information about you across different web sites, including our website. We do not currently utilize the capability to respond to web browser do not track signals or other mechanisms that provide you with the ability to exercise choice regarding the collection of this information.

CONTACT US

If you have any questions about this Privacy Policy, please contact us at steve@dfy-realestate.com

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Website Terms of Use

Acceptance of the terms of use

Changes to the Terms of Use

Accessing the Website and Account Security

Reliance on Information Posted

Non-Disclosure of Confidential Information

Intellectual Property Rights

Trademarks

Prohibited Uses

Copyright Infringement

Changes to the Website

Information About You and Your Visits to the Website

Linking to the Website and Social Media Features

Links from the Website

Geographic Restrictions

Disclaimer of Warranties

Limitation on Liability

Indemnification

Governing Law and Jurisdiction

Limitation on Time to File Claims

Waiver and Severability

Entire Agreement

Your Comments and Concerns

Privacy Policy

By using the Website and sharing your information with us, you consent to and accept the privacy practices described in this Privacy Policy.

ONLINE INFORMATION PRACTICES

INFORMATION WE MAY COLLECT

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