Legal Information

The information provided on PropExperts (propexperts.com) is for general informational and educational purposes only and is not financial advice. No fiduciary relationship is established between you and PropExperts through your use of this website. Always consult a licensed financial advisor, accountant, or other qualified professional before making financial decisions.

1. Financial Disclaimer

PropExperts is not a registered financial advisor, broker-dealer, or investment company. The content on this website does not constitute financial advice, investment advice, tax advice, or legal advice. No fiduciary duty or advisory relationship is created by your use of this site. Past performance of any investment, strategy, or financial product discussed on this website is not indicative of future results. You should consult with a licensed financial professional who can assess your individual circumstances before making any financial decisions.

2. Limitation of Liability

PropExperts and its owners, operators, affiliates, and contributors shall not be held liable for any financial losses, damages, or adverse outcomes arising from the use of or reliance on information provided on this website. This includes, without limitation, direct, indirect, incidental, consequential, or punitive damages, including lost profits or investment losses. Your use of this website and any reliance on its content is entirely at your own risk.

3. Informational Purpose Only

All content on PropExperts, including text, graphics, charts, calculators, and other materials, is provided for informational and educational purposes only. Financial markets, tax laws, and regulations change frequently, and the information on this site may not reflect the most current developments. Always verify information independently and seek professional guidance before acting on any content found here.

4. Third-Party Resources & Links

PropExperts may contain links to third-party websites, financial tools, products, or services. These links are provided for your convenience and do not constitute an endorsement, guarantee, or recommendation by PropExperts. We have no control over the content, accuracy, privacy policies, or practices of third-party sites and accept no responsibility for them. You access third-party resources at your own risk.

5. Terms of Use

By accessing and using PropExperts (propexperts.com), you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you must discontinue use of this website immediately. PropExperts reserves the right to modify these terms at any time without prior notice. Continued use of the website following any changes constitutes acceptance of the revised terms. You agree not to reproduce, duplicate, copy, sell, or exploit any portion of this website without express written permission.

You acknowledge that the content on this website is provided "as is" and that PropExperts makes no warranties, express or implied, regarding the completeness, accuracy, reliability, or suitability of the information for any particular purpose. You are responsible for evaluating the accuracy and usefulness of any information, opinion, or other content available through this website. Your use of this website does not create any professional-client relationship, fiduciary duty, or advisory obligation between you and PropExperts. Any decisions you make based on information from this website are made at your own discretion and risk.

6. Intellectual Property

All content on PropExperts, including but not limited to text, graphics, logos, images, data compilations, charts, and software, is the property of PropExperts or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, or distribution of any materials from this website is strictly prohibited and may result in legal action.

7. Privacy Policy & CCPA Compliance

PropExperts respects your privacy. This website uses Umami, a privacy-focused, open-source analytics platform, to collect non-personally identifiable usage data. Umami does not use cookies, does not track users across websites, and does not collect personal information. The data collected is limited to page views, referring URLs, browser type, device type, and general geographic location at the country level. No IP addresses are stored, no fingerprinting techniques are used, and no data is shared with advertising networks or third-party data brokers. This approach stands in contrast to conventional analytics platforms that rely on tracking cookies and build detailed user profiles. Because Umami is cookieless, no cookie consent banner is required under current regulations. We do not collect personal data, use cookies for tracking, or sell your information to third parties.

Under the California Consumer Privacy Act (CCPA), California residents have the following rights:

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purpose for collecting it, and the categories of third parties with whom it is shared.
• Right to Delete: You may request deletion of any personal information we have collected from you, subject to certain exceptions permitted by law.
• Right to Opt-Out: You have the right to opt out of the sale of your personal information. PropExperts does not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise any of these rights, please contact us at getdetox@proton.me. We will respond to verifiable requests within 45 days as required by law.

8. Governing Law

These terms and conditions, and any disputes arising from or related to your use of PropExperts, shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in the State of California for the resolution of any disputes.

9. Contact Information

If you have any questions, concerns, or requests regarding these terms, our privacy practices, or any other aspect of PropExperts, please contact us at getdetox@proton.me.

10. Affiliate & Referral Disclosure

PropExperts may participate in affiliate marketing programs and may contain links to financial products, services, or providers for which we receive compensation. These affiliate relationships do not influence our content or recommendations. Any compensation received helps support the operation and maintenance of this website. We only recommend resources we believe provide genuine value. The presence of affiliate links does not increase the cost of any product or service to you.

11. Accessibility Statement

PropExperts is committed to ensuring digital accessibility for all users, including individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. Our ongoing accessibility efforts include:

• Perceivable: All non-text content includes descriptive alternative text. Color contrast ratios meet or exceed the 4.5:1 minimum for normal text and 3:1 for large text as specified in WCAG 2.1 Success Criterion 1.4.3. Content is structured with proper heading hierarchy and semantic HTML elements so assistive technologies can interpret page structure correctly.
• Operable: All interactive elements are accessible via keyboard navigation without requiring a mouse. Focus indicators are visible on all focusable elements. No content relies on timed interactions, and a skip-navigation link is provided on every page to allow users to bypass repeated navigation blocks.
• Understandable: The page language is declared in the HTML lang attribute. Form labels and instructions are clear. Navigation is consistent across all pages, and error identification is provided where applicable.
• Robust: Pages are built with valid, semantic HTML that is compatible with current and reasonably future assistive technologies, including screen readers such as NVDA, JAWS, and VoiceOver. ARIA attributes are used where native HTML semantics are insufficient.

We conduct periodic accessibility reviews and address identified issues on an ongoing basis. If you encounter any accessibility barriers on this website or have suggestions for improvement, please contact us at getdetox@proton.me. We welcome your feedback and will make reasonable efforts to address any issues promptly.

12. Content Accuracy and Editorial Disclaimer

The content on PropExperts is compiled from publicly available sources, government publications, and established industry data. While we make every effort to ensure accuracy and timeliness, real estate markets, regulations, tax laws, and lending practices vary significantly by state, county, and municipality. The information presented here reflects general national guidance and may not account for the specific rules, programs, or market conditions in your area.

Content on this website is for educational purposes only and should not be treated as a substitute for professional advice. Before making decisions about buying, selling, financing, or investing in real estate, consult with a licensed real estate professional, attorney, tax advisor, or financial planner who is familiar with your local market and personal circumstances. PropExperts does not guarantee that following the guidance on this site will produce any particular outcome. Market conditions change, regulations are updated, and individual situations vary in ways that general guidance cannot fully address.