Welcome to www.realestatelibriary.io. Please read on to learn the rules and restrictions that govern your use of our website(s), products, services, and applications (collectively, the “Services”). If you have any questions, comments, complaints, or concerns regarding these Service Terms or the Services, please contact us at [cc@realestatelibrary.io] or [257 Central Park West, Suite 12G, New York NY 10024].

The Terms are a binding contract between you and Real Estate Library (“REL,” “we” and “us”) and apply to services offered on realestatelibrary.io and other websites, products, features, applications, and online offerings that post a link to these Service Terms (each, a “Service” and collectively, the “Services”). “You” and “your” refer to any person or entity using the Services. You must agree to and accept all of the Terms, or you don’t have the right to use the Services. Your use of the Services in any way, regardless of how you access the Services and regardless of whether you are a registered user or a guest, means that you agree to all of the Terms, and the Terms will remain in effect while you use the Services. These Service Terms include the provisions in this document, and Copyright Policy. By using the Services, you also agree that our Privacy Policy applies.

For the purposes of these Service Terms, “User” means anyone who accesses and/or registers for our Services.

We are constantly trying to improve our Services, so the Terms may need to change along with the Services. We reserve the right to change the Terms at any time, but if we do, we will bring it to your attention by providing notice in the manner required by applicable law, such as, but not limited to, placing a notice on the website where the Services are provided, by sending you an email, and/or by some other means.

If you don’t agree with the new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use the Services. If you continue to use the Services in any way after a change to the Terms is effective, that means you agree to all of the changes.

Except for changes made by us as described here, no other amendment or modification of the Terms will be effective unless in writing and signed by both you and us.

We take the privacy of our Users very seriously. Please refer to our Privacy Policy for information on how we collect, use, and disclose information from our Users.

The Services are intended to be accessed and utilized by Users who have attained the age of majority in their respective country, state, or province.

The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under 13. The Services are not intended to be accessed or utilized by children under 13 years of age, and we do not knowingly collect or solicit personally identifiable information from children under 13. If you are a child under 13, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn we have collected personal information from a child under 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us with personal information, please contact us at [cc@realestatelibrary.io]. If you are under the age of 16 and a resident of the European Economic Area or the United Kingdom, please have your parent or guardian contact us to provide consent to use our Services before you register for or otherwise use the Services or send us any data.

We provide a variety of Services designed to help Users study and learn. To use some aspects of the Services, you may be required to sign up for an account and select a password and username (“User ID”). You may only create one account with us. If you are accessing the Services through a third party site or service (such as “Facebook” or “Google”), we may require that your User ID be the same as your username for such third party site or service. You promise to provide us with accurate, complete, and updated registration information about yourself. You may not select as your User ID a name that you don’t have the right to use or another person’s name with the intent to impersonate that person. You may not transfer your account to anyone else without our prior written permission. You agree not to sell, share, or otherwise grant any third party access to your account, and you agree to immediately notify us if you suspect any unauthorized use of your account or access to your password. You are solely responsible for maintaining the confidentiality of your password and for any and all use of your account. If your account has been suspended or terminated by us, you may not open another account with us. If you access the Service through a third party site or service, you will provide your third party account credentials to us, and you are consenting to have the information in those accounts transmitted into your REL account, and you agree that you shall only use accounts owned by you and not by any other person or entity.

You represent and warrant that you are of legal age to form a binding contract (or, if not, you’ve received your parent’s or guardian’s permission to use the Services and gotten your parent or guardian to agree to the Terms on your behalf). If you’re agreeing to the Terms on behalf of an organization or entity, you represent and warrant that you are authorized to agree to the Terms on that organization or entity’s behalf and bind them to the Terms, in which case the references to “you” or “your” or the like other than in this sentence, refer to such organization or entity. If you are a parent, guardian, or other person who enables a child under the age of 13 to access the Services, you agree to stand in the shoes of such child for the purposes of making us whole in case of damages or indemnification that could properly lie against a child, if not for his or her age. The Services are intended for use by you only if you are 13 years of age or older. By agreeing to the Terms and using any of the Services, you certify that you are not on any list of restricted persons with whom it is unlawful for a United States company to do business with.

You will only use the Services for your own personal use (and not on behalf of or for the benefit of any third party), and only in a manner that complies with all laws, rules (government, school, or otherwise), and regulations (collectively “Applicable Laws”) that apply to you. You may not resell or make any commercial use of the Services or any Content (defined below) therein (other than your own Submissions (defined below), subject to the non-exclusive license you grant to us). You may not use, attempt to use, or assist any third party to use any Content, data, information, or other material found or accessed through the Services to improve any services, develop, test, or train a machine learning or generative artificial intelligence (AI) system, or to provide archived or cached data sets containing Content to another person or entity. Any Content you access through the Services is licensed, not sold or assigned to you, regardless of the use of the term “purchase” herein. You are prohibited from soliciting other users of the Services (hereafter “Users”) to contact you outside the Services for any purpose. “Content” means the materials displayed, performed, or available on or through the Services, including, but not limited to, text, audio, videos, graphics, data, articles, photos, images, illustrations, documents, and other material and so forth. “Submissions” means any Content you submit, post, upload, display, communicate, link to, email, share, store, distribute, or otherwise provide through the Services.

If your use of the Services is prohibited by Applicable Laws, then you aren’t authorized to use the Services. We can’t and won’t be responsible for your use of the Services in a way that breaks any Applicable Laws.

We are not responsible for editing, modifying, filtering, screening, monitoring, endorsing, or guaranteeing any Content. We are not liable for any acts or omissions of Users, or the accuracy or completeness of any information.

Content is to be used for general information purposes only, not as a substitute for in-person evaluation or specific professional advice.

Communications facilitated by the Services do not create client-professional relationships and are not the subject of any associated privileges or confidentiality protections.

Communications that take place on the Services are limited and do not include safeguards and procedures typical of in-person evaluations and visits.

We reserve the right to remove content that violates the Terms, which includes our policies and guidelines. For instance, we use automated systems to identify and filter out certain content that violates our policies/guidelines. If the system does not detect any obvious signs of a violation, the respective content will be available online. Additionally, alongside our automated systems, to the extent there is human review of the Content uploaded by users on our Services that contains obvious signs of a violation, we will disable access to that content at our own initiative. Further, our human review team reviews any content that is reported to us for violations of the Terms or under applicable law.

For services that allow users to submit content, in case of a violation of the Terms, which includes our policies and guidelines, or under applicable law, we will remove or disable access to user content and terminate the accounts of those who repeatedly violate the Terms.

REL uses machine learning algorithms to recommend Content (including other User’s Submissions), such as related documents, questions and answers, and courses, to Users to help them study better. These recommendations are based on Users’ use of the Services, including engagement Content and data about the Content, including the school and/or course it is tagged to. For example, recommendations may be based on, e.g., the Content’s engagement data, subject agreement between Content, semantic or text matching between Content, or the newness of Content. This information helps Users find the most relevant Content related to their search. REL may change how it recommends Content to Users.

The Content is protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services, and you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, or otherwise exploit for any purpose any Content not owned by you (i) without the prior written consent of the owner of that Content or (ii) in a way that violates someone else’s (including REL’s) rights.

You understand that REL owns the Services. You won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of the Services.

The Services may allow you the functionality of copying or downloading certain downloadable Content; please remember that just because this functionality exists, doesn’t mean that all the restrictions above don’t apply—they do!

You are responsible for all service, internet, and/or other fees and costs associated with your access to and use of the Services, including, but not limited to, any data charges imposed by a wireless carrier or Internet service provider on you, and for obtaining and maintaining all equipment required for such access and use.

We want you to know the following regarding your Submissions:

You agree that any comment, review, recommendation, suggestion, feedback, testimonial, or other similar input you submit or share with us related to our products, services, websites, applications, or technology (“Feedback”) may be used by us without any notice, obligation, restriction, compensation, or reimbursement to you and you waive (and agree not to enforce) any and all rights that may now or in the future exist in any Feedback.

You represent, warrant, and agree that you will not contribute any Submission that, or otherwise use the Services or interact with the Services in a manner that:

If you believe that any Submission uploaded to REL does not comply with any of the terms listed herein or includes any of the material described in paragraph l, you may report the content to: [cc@realestatelibrary.io].

In order to display, store, publish, distribute, and provide Users with access to your Submissions on the Services, you grant us certain rights in those Submissions.

You hereby grant us and our affiliates, licensees, agents, representatives, and other entities or individuals authorized by us, a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, fully sublicensable, and fully transferable license to translate, modify, store, edit, display, perform, reproduce, distribute, and otherwise act with respect to such Submissions, in each case to enable us to operate the Services, as described in more detail below. This license enables us to provide the Services and is not intended to otherwise limit your ownership rights in your Submissions.

You also grant REL and its affiliates, licensees, agents, representatives and other entities or individuals authorized by REL a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, fully sublicensable and fully transferable license to use, access, create, share, store, maintain, publicly translate, modify, store, edit, display, perform, reproduce, copy, publish, exhibit and distribute your Submissions for the purpose of making such Submissions accessible to all REL Users and providing the Services necessary to do so, as well as all other rights necessary to use and exercise all rights in that Submission in connection with the Services and/or otherwise in connection with the REL business for any purpose, to the extent and manner permitted under applicable law, including for the purpose of product and service development, marketing, analytics, quality assurance, machine learning or artificial intelligence (including for the purposes of training and tuning of algorithms and models), training, testing, improvement of the Services, software, or other products, services, and software, or any combination thereof, and as otherwise provided in the Terms. The licenses granted to REL also include the right to distribute your Submissions through multiple tiers of sublicensees, including REL affiliates, and for such sublicensees to have all rights necessary for them to offer, deliver, market, promote, demonstrate, and sell your Submissions to other Users.

Without limiting the foregoing, you agree that your Submissions (and any personal information contained therein) may be used, published, displayed, or exhibited by us to advertise, market, sell, or otherwise promote our products, property, and services, including (without limitation) the Service.

Your Submissions, once posted, uploaded, or submitted to the Service (including any personal information contained therein unless otherwise expressly provided in the Terms) become public information, and we do not control how others may use, further disclose, or publish such Content. We are not responsible for uses or further disclosure or publication by third parties, which may not be consistent with our Privacy Policy.

Also, you grant all other Users of the Services a non-exclusive license to access your Submissions, and to use and exercise all rights in them, as permitted by the functionality of the Service, including reproducing such Submissions on personal devices.

You understand and agree that if you delete your account, your Submissions will remain on the Services and to the extent that they were downloaded or stored by other Users.

You understand and agree that REL, in performing the required technical steps to make your Submission accessible through the Services, may need to modify and make changes to your Submissions and the foregoing licenses include the rights to do so.

You understand that we are not required to host, display, or distribute any Submissions, and may remove any Submissions, at any time. We reserve the right to change the format, sizing, and any other display specification of the Submissions as we see fit.

We can be requested to take down any content that breaches someone’s copyright. For example, in the US, under the Digital Millennium Copyright Act (the “DMCA”), as it relates to online service providers, like REL, we may be asked to remove material that allegedly violates someone’s copyright. We respect others’ intellectual property rights, and we reserve the right to delete or disable access to Content alleged to be infringing and to terminate the accounts of repeat alleged infringers. To review our complete Copyright Policy and learn how to report potentially infringing content, click here. To learn more about the DMCA, click here.

Any Content publicly posted or privately transmitted through the Services is the sole responsibility of the person from whom such content originated, and you access all such information and content at your own risk, and we aren’t liable for any errors or omissions in that information or content or for any damages or losses you might suffer in connection with it. We cannot control and have no duty to take any action regarding how you may interpret and use the Content or what actions you may take as a result of having been exposed to the Content, and you hereby release us from all liability for you having acquired or not acquired Content through the Services. We can’t guarantee the identity of any Users with whom you interact when using the Services and are not responsible for which Users gain access to the Services.

The Services may contain links or connections to third party websites or services that are not owned or controlled by REL. When you access third party websites or use third party services, you accept that there are risks in doing so, and that we are not responsible for such risks. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each third party website or service that you visit or utilize.

REL has no control over, and assumes no responsibility for, the content, accuracy, terms and conditions, privacy policies, or practices of or opinions expressed in any third party websites or by any third party that you interact with through the Services. In addition, REL will not and cannot monitor, verify, censor or edit the content of any third party site or service. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third party website or service.

Your interactions with organizations and/or individuals found on or through the Services, including payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that REL shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

If there is a dispute between Users on this site, or between Users and any third party, you agree that we are under no obligation to become involved. In the event that you have a dispute with one or more other Users, you release us, our officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor."

REL may use artificial intelligence (“AI”) services to provide some of the AI features on the platform. AI-generated output that appears in the Services is not created or reviewed by humans and may be provided via third-party services. Such output may be inaccurate or offensive and does not represent REL’s view. REL is not responsible for any AI-generated content that is inaccurate, false, or inappropriate.

If you would like to flag inaccurate or offensive AI-generated content, you may do so directly through the relevant Service or by contacting us at [cc@realestatelibrary.io]. To report potentially infringing content, submit through our Contact page.

We’re always trying to improve the Services, so they may change over time. We may suspend or discontinue any part of the Services, or we may introduce new features, impose limits on certain features, or restrict access to parts or all of the Services. If we make a material change to the Services that would adversely affect you, we will give you prior notice to the extent that is reasonably practicable (or, if not, as soon as possible after the material change). Similarly, we reserve the right to remove any Content from the Services at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of the Terms), in our sole discretion, and without notice.

We offer access to our Services as a free user or as a paid user. Free users are users who have created an account but have not purchased a subscription package. Free users will have limited and restricted access to the Services unless they purchase a subscription package or upload content for access, limited to and in accordance with the level of access described at the point of upload. Paid users are users who have created an account and have purchased a subscription package. The subscription levels, benefits, and pricing of each level of subscription may vary and are subject to change at any time, so please read the terms of any particular level of subscription before accepting and purchasing the subscription package.

REL offers free access as well as paid access to the Services. You may use the Services as a paid user or a free user. If you decide to purchase a subscription, each and every paid subscription package requires an upfront and immediate charge to your primary payment method, depending on the subscription term that you elect to purchase. The length of the subscription and the frequency at which payment will be made will be selected by you when you subscribe to paid access.

If you pay for a subscription by credit or debit card (or other payment method identified on the Services as involving an automatically renewing subscription) and you do not cancel your subscription before the subscription term end date, your subscription will be automatically extended for successive renewal periods of the same duration as the subscription term originally selected (for example, unless you cancel, a one-month subscription will automatically renew on a monthly basis). Unless otherwise indicated in any applicable additional terms or communications we send to your registered email address, such renewal will be at the same subscription fee as when you first subscribed, plus any applicable taxes, unless we notify you before the end of your current term that the subscription fee will increase. You acknowledge and agree that your payment method will be automatically charged for such subscription fees, plus any applicable taxes, upon each such automatic renewal. You acknowledge that your subscription is subject to automatic renewals, and you consent to and accept responsibility for all recurring charges to your credit or debit card (or other payment method, as applicable) based on this automatic renewal feature without further authorization from you and without further notice except as required by law. You further acknowledge that the amount of the recurring charge may change if the applicable tax rates change or if you are notified that there will be an increase in the applicable subscription fees.

Payment must be made by credit or debit card. We accept most major credit cards and debit cards. You should be aware that online payment transactions are subject to validation checks by your card issuer, and we are not responsible if your card issuer declines to authorize payment for any reason. Please note that it is possible that your card issuer may charge you an online handling fee or processing fee. We are not responsible for this.

You’re free to do that at any time by clicking the "delete account" option in your Account Settings. If you delete your account: 1) your account will be removed from the REL platform, but your Submissions will remain in accordance with these Service Terms 2) we will not be able to provide you with Services, and you will no longer receive emails from us; and 3) you will not be able to use the email address associated with your account with REL again.

You can cancel any ongoing billing through your Account Settings section of the User Dashboard of the Service. For any questions, please email us at [cc@realestatelibrary.io]. Cancellations will be effective immediately. Termination of your account does not affect your liability or obligations under the Terms.

REL is also free to terminate (or suspend access to) your use of the Services or your account, for any reason in our discretion, including your breach of the Terms. REL has the sole right to decide whether you are in violation of any of the restrictions set forth in the Terms. If your account has been suspended or terminated, you may not open another account with us.

All payments are final and no refunds will be issued except (a) as provided in the Terms or (b) as required by applicable law. For any billing related questions in regards to payment, please contact Customer Service at [cc@realestatelibrary.io].

Survival of the Terms. Provisions that, by their nature, should survive termination of the Terms shall survive termination. By way of example, all of the following will survive termination: any obligation you have to pay us or indemnify us, any limitations on our liability, any terms regarding ownership of intellectual property rights, and terms regarding disputes between us.

[General Disclaimer. The Services provide a marketplace of Users and Content. We don’t hire or background check Content, we aren’t responsible for reviewing Content for accuracy, reliability, or appropriateness. We are not responsible for disputes, claims, losses, injuries, or damage of any kind that might arise out of or relate to the use of the Service including, but not limited to, any User’s reliance upon any information provided. You understand that by using the Services you may be exposed to Content that is offensive, indecent, or objectionable. If you detect such Content, please report it to [cc@realestatelibrary.io]. You hereby agree to hold REL harmless from and against any and all claims that you may have arising out of your access or use of any Content.]

Warranty Disclaimer. Neither REL nor any of its licensors or suppliers makes any representations or warranties concerning any content contained in or accessed through the Services, and we will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Services. We (and our licensors and suppliers) make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through the Services. Any Content or Services purchased or offered (whether or not following such recommendations and suggestions) through the Services are provided “AS IS” and without any warranty of any kind from REL or others. EXCEPT AS PERMITTED BY APPLICABLE LAW, THE SERVICES AND CONTENT ARE PROVIDED ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL REL (OR ITS LICENSORS OR SUPPLIERS) BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, OR (B) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) $100 OR (II) THE AMOUNTS PAID BY YOU TO REL IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM, OR (C) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME STATES OR COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity. You agree to indemnify and hold REL, its affiliates, officers, agents, employees, and partners harmless from and against any and all claims, liabilities, damages (actual and consequential), losses, and expenses (including attorneys’ fees) arising from or in any way related to any third party claims relating to (a) your use of the Services (including any actions taken by a third party using your account) and (b) your violation of the Terms. In the event of such a claim, suit, or action (“Claim”), if you have an account, we will attempt to provide notice of the Claim to the contact information we have for your account (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder).

Assignment. You may not assign, delegate, or transfer the Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without REL’s prior written consent. We may transfer, assign, or delegate the Terms and our rights and obligations without consent.

Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services, provided that REL may, in its sole discretion, do any of the foregoing on your behalf or for itself as it sees fit. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of the Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that the Terms shall otherwise remain in full force and effect and enforceable. You and REL agree that the Terms are the complete and exclusive statement of the mutual understanding between you and REL, and that it supersedes and cancels all previous written and oral agreements, communications, and other understandings relating to the subject matter of the Terms, and that all modifications to the Terms must be in writing signed by both parties (except as otherwise provided herein). You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of REL, and you do not have any authority of any kind to bind REL in any respect whatsoever. You and REL agree that there are no third party beneficiaries intended under the Terms.

Real Estate Library Inc.

[257 Central Park West, Suite 12G, New York NY 10024]

You can also contact our customer support team through email at: [cc@realestatelibrary.io ]