Terms and Conditions of Use

• The purpose of the O-Grady.com, RealEstateSellToday.com and RealEstateBuyToday.com websites is to allow you to gain access to a network of independent real estate professionals, brokers, potential home buyers, investors and others providing real estate services that may include foreclosure advice in compliance with laws in your area. Decisions, including, without limitation, matters concerning the financing, foreclosure and/or sale of real estate are serious issues that should not be taken lightly. The content on these websites is offered as information only and does not constitute real estate, financial, accounting, legal or other professional advice.

• These websites are not charging fees or getting compensated for advice or consultation related to foreclosure, by visitors of this website nor affiliates in any counties.

• Please also understand that notwithstanding any and all advice or services that may be rendered to you by or as a consequence of your use of these websites, it is possible that you may still not be able to avoid foreclosure or the loss of your property.

• Real estate, financing and foreclosure laws differ from state to state, and the laws change frequently. O-Grady.com, Real Estate Sell Today or Real Estate Buy Today makes no claims or guarantees that any information, communications, marketing, referrals or affiliates that are originated from or included in this website are legal or authorized within your state and we encourage you to check for updates often. O-Grady.com, Real Estate Sell Today or Real Estate Buy Today makes no guarantees that information on these sites may not be or become illegal or of no use to you. Use these sites is at your own risk and we recommend you always consult with a competent attorney when dealing with any legal or financial issues.

• O-Grady.com, Real Estate Sell Today or Real Estate Buy Today is not a professional advisor or provider of real estate services including, without limitation, foreclosure prevention, nor does O-Grady.com, Real Estate Sell Today or Real Estate Buy Today guarantee the results or consequences of any relationship or advice that you may have with or receive from with its affiliates or other third parties. In addition, O-Grady.com, Real Estate Sell Today or Real Estate Buy Today does not provide advice or make referrals concerning legal, taxation, bankruptcy, or any other such advice.

• In order to gain access to our network, you must first submit your name, address, telephone number (optional), and e-mail address, which may be used by O-Grady.com, Real Estate Sell Today or Real Estate Buy Today to make referrals or offers. You agree to provide this information and you agree that you will provide only accurate and complete information to us.

• Once you have been contacted by one of our affiliates, any agreement you enter into with such affiliates will be between you and such affiliates, and does not involve or include us in any way. We do not warrant or represent that any of our affiliates are licensed as professionals where such may be required in their locality, and you must make that determination yourself; nor does O-Grady.com, Real Estate Sell Today or Real Estate Buy Today make any representation or warranty as the experience of an affiliate with whom you deal. We encourage everyone to make these determinations themselves.

• You agree that you have evaluated and are capable of understanding and bearing all risks associated with your dealings with us, included any affiliates referred to you by this website. You understand and agree that your decision to deal with any of O-Grady.com, Real Estate Sell Today or Real Estate Buy Today’s affiliates is at your sole discretion and risk, and you will be solely responsible for the outcome of such dealings. In no event shall O-Grady.com, Real Estate Sell Today or Real Estate Buy Today be liable for any direct, indirect, incidental, consequential or punitive damages of any kind whatsoever, with respect to, arising out of or relating to any of your dealings with any such affiliate or with any other third party. You are advised to contact your own professional legal and/or tax advisors concerning any advice you may receive from us or our affiliates or resulting in any way from your use of these websites.

• Use of these websites is provided by us on an "as is" and "as available" basis. O-Grady.com, Real Estate Sell Today or Real Estate Buy Today does not represent or warrant that these sites, its servers or e-mail sent from these sites, are free of viruses or other harmful components. O-Grady.com, Real Estate Sell Today or Real Estate Buy Today will not be liable for any damages of any kind arising from the use of these sites, including, but not limited to, direct, indirect, incidental, punitive and consequential damages.

• You hereby agree to indemnify, defend and hold our websites and our directors, officers, shareholders, subsidiaries, members, employees, agents and representatives, harmless from and all losses, liabilities, costs, expenses and claims arising from (a) your use of these websites, including, without limitation, the results and consequences of any and all advice, services and actions rendered to you or on your behalf, by or through anyone, including, without limitation, our affiliates, (b) any breach or default in obligation to be performed by or through anyone, including, without limitation, affiliates referred to you through these websites, and (c) any act, neglect, fault or omission resulting from any and all advice and services rendered to you by or through anyone, including, without limitation, affiliates referred to you by or through these websites, and including, without limitation, all reasonable costs, reasonable attorney's fees and expenses and liabilities incurred by O-Grady.com, Real Estate Sell Today or Real Estate Buy Today resulting from or related to such any and all claims, action or proceeding brought thereon. In the event any action or proceeding shall be brought against O-Grady.com, Real Estate Sell Today or Real Estate Buy Today or its directors, officers, shareholders, members, employees, agents and representatives by reason of any such claim aforementioned, you, upon notice from O-Grady.com, Real Estate Sell Today or Real Estate Buy Today, shall defend the same at your expense by counsel approved in writing by O-Grady.com, Real Estate Sell Today or Real Estate Buy Today. Notwithstanding the foregoing, O-Grady.com, Real Estate Sell Today or Real Estate Buy Today, at its option, may elect to retain its own legal counsel, in which event you agree to reimburse O-Grady.com, Real Estate Sell Today or Real Estate Buy Today for all necessary and reasonable legal fees and expenses therefore, promptly upon demand as such expenses are incurred. you, as a material part of the consideration to us, hereby assume all risks of and waive all claims against us with respect to damage, from any cause whatsoever, except that which is caused by our gross negligence or willful misconduct.

• Any dispute arising out of or relating in any way to your use of these websites or as a consequence thereof shall first be submitted to confidential mediation as hereafter provided, and if unresolved, by confidential binding arbitration in San Diego, California. As a condition precedent to proceeding to binding arbitration as herein provided, the parties agree to first submit their dispute to mediation. Mediation shall be conducted by a mutually agreed upon neutral third party mediator who shall be an attorney with at least ten years of practice in the subject jurisdiction. The mediation shall take place in the state and county where you reside and must be completed within 60 days after the date any party makes his or hers first written demand for mediation. Only after completion of mediation, then upon demand by any party to the dispute, binding arbitration pursuant shall be conducted in San Diego, California, under the commercial rules of the American Arbitration Association. the arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. The arbitrator shall be entitled to grant equitable relief, shall be bound to follow the laws of the applicable state and federal government as they may apply to the dispute, and shall provide the parties with a written decision. By continuing to use this site you are agreeing to the terms of use herein, you and O-Grady.com, Real Estate Sell Today or Real Estate Buy Today are each agreeing to have disputes decided by neutral arbitration, and each of you are giving up any rights you might possess to have any dispute litigated in a court or jury trial.

• Notwithstanding the forgoing, to the extent that you have in any manner violated or threatened to violate O-Grady.com, Real Estate Sell Today or Real Estate Buy Today's intellectual property rights, O-Grady.com, Real Estate Sell Today or Real Estate Buy Today may seek injunctive or other appropriate relief in any state or federal court, and you hereby consent to exclusive jurisdiction and venue in such courts.

• By visiting O-Grady.com, Real Estate Sell Today or Real Estate Buy Today websites, you are subject to and accept these terms and conditions of use, which may be updated by us from time to time without notice to you. You must review any updates posted from time to time at these websites. Also, you must review our Privacy Policy, which also governs your visit to O-Grady.com, Real Estate Sell Today or Real Estate Buy Today. To fully understand our practices collectively, these “terms and conditions of use” and “privacy policy” constitute the entire "agreement" between you and O-Grady.com, Real Estate Sell Today or Real Estate Buy Today regarding your use of these websites.

• O-Grady.com, Real Estate Sell Today or Real Estate Buy Today website is not a government website and it is not affiliated with any governmental agency. The sole purpose of these websites is to help you buy, sell and invest in real estate, or to refer you to real estate professionals in your area. O-Grady.com, Real Estate Sell Today or Real Estate Buy Today cannot and is not making any claims concerning the qualifications, competency, background, honesty, integrity or experience of any affiliates or services referred by or through this website.

• Neither O-Grady.com, Real Estate Sell Today or Real Estate Buy Today, its parent company nor any of their directors, officers, shareholders, subsidiaries, members, employees, agents and representatives are authorized to or engaged in rendering legal, accounting, taxation, securities, collection or real estate services or advice or assistance. Nothing on these websites shall be considered to be a solicitation to do business or to engage in any activity requiring a permit or license to issue securities or to render real estate or other professional advice requiring licensing or other authorization in any state.

• Nothing contained in these websites shall be considered as or deemed to be an offer to purchase real property; to purchase securities, to stop or postpone a foreclosure sale; to obtain any forbearance from any beneficiary or mortgagee; to assist any owner to exercise any right of reinstatement; to obtain any extension of any period within which an owner might legally reinstate his or her obligation; to obtain any waiver of an acceleration clause contained in any promissory note or contract secured by a deed of trust or mortgage on a residence in foreclosure or contained in any such deed of trust or mortgage; to assist a homeowner to obtain a loan or advance of funds; to avoid or ameliorate the impairment of an owner's credit resulting from the recording of a notice of default or the conduct of a foreclosure sale; or to save an owner's residence from foreclosure. Any person who uses or refers to the information, products or services referred to herein expressly acknowledges and agrees that said use is subject to and in compliance with the foregoing disclaimer.

• Do not pay any money to anyone, including affiliates listed on these websites, before you receive the complete service or desired outcome.

• While it is the intention of these websites to provide accurate information, use of them by the user is an acknowledgement that the content contained herein may not be accurate with respect to every foreclosure law in every state, and the user should not rely on the information posted on these websites as fact without confirming these laws with your particular state government website.

• There is federal, state, and private nonprofit agencies you may contact for helpful information about the foreclosure process. For instance, you can contact your lender directly, or you may call the Department of Housing and Urban Development approved housing counseling to find a housing counseling agency certified by the department who assists in avoiding foreclosure or visit the department's tips for avoiding foreclosure website at http://www.hud.gov/foreclosure for additional assistance.

• These Terms & Conditions of use, read together with the Privacy Policy, constitutes the entire agreement between O-Grady.com, Real Estate Sell Today or Real Estate Buy Today and you. The agreement shall be construed and governed by the laws of the State of California unless otherwise required by law.

• If you do not agree with any of these conditions, please do not continue. By continuing to use this website you are agreeing to these Terms of Use. You also acknowledge that you have had the opportunity to have the Terms & Conditions of Use agreement and Privacy Policy reviewed by your own legal counsel.