Equity Shelter is designed to provide homeowners and prospective participants with information, educational resources, assessments, and potential options relating to foreclosure prevention, home equity protection, real estate transactions, financial alternatives, and related housing solutions.

The Services are informational and administrative in nature and are intended to help users better understand available options based on the information they provide.

Equity Shelter does not guarantee any specific outcome, including but not limited to foreclosure prevention, loan modification approval, refinancing approval, debt reduction, financial recovery, sale of property, short sale approval, legal resolution, or qualification for any program or service.

The Services, content, communications, assessments, and materials made available through Equity Shelter are provided solely for informational purposes and do not constitute legal advice, financial advice, tax advice, accounting advice, investment advice, real estate brokerage advice, or fiduciary services.

You acknowledge and agree that Equity Shelter is not acting as your attorney, financial advisor, accountant, mortgage lender, real estate broker, investment advisor, or fiduciary.

You should consult with licensed professionals before making any legal, financial, tax, real estate, or investment decisions.

No information provided through the Services shall create any attorney-client, fiduciary, advisory, or agency relationship between you and Equity Shelter.

The Services are intended only for individuals who are at least eighteen (18) years of age and capable of entering into legally binding agreements under applicable law.

By using the Services, you represent and warrant that you meet these requirements.

Participation in any program, assessment, recommendation, or referral may be subject to additional eligibility criteria determined by Equity Shelter or applicable third-party providers.

Submission of information does not guarantee acceptance, qualification, approval, or participation in any program or solution.

You agree to provide true, accurate, current, and complete information when using the Services or communicating with us.

This includes information relating to your property, mortgage obligations, financial condition, contact information, occupancy status, and identity.

You acknowledge that inaccurate, incomplete, outdated, or misleading information may affect assessments, recommendations, eligibility determinations, communications, or potential opportunities presented to you through the Services.

You are solely responsible for maintaining the confidentiality of any account credentials or information associated with your use of the Services and for all activity conducted under your account or using your information.

By submitting your contact information through the Services, you provide your electronic signature and expressly consent to receive communications from Equity Shelter, Listings.com, and their affiliates, service providers, contractors, marketing partners, and authorized third parties acting on their behalf.

These communications may include telephone calls, SMS or MMS text messages, emails, notifications, prerecorded voice messages, and artificial voice messages relating to marketing, promotions, property opportunities, foreclosure alternatives, financial services, real estate services, appointment reminders, updates, surveys, or other business purposes.

• Communications may be made using automatic telephone dialing systems or other automated technology.
• Message frequency may vary.
• Message and data rates may apply.
• Consent is not a condition of purchasing any goods or services.
• Your consent remains effective until revoked.

You may revoke your consent to SMS communications at any time by replying STOP to any message.

Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, disclose, store, and protect your personal information.

By using the Services, you consent to the practices described in the Privacy Policy.

The Services may include referrals, recommendations, introductions, or connections to third-party service providers including lenders, attorneys, real estate professionals, investors, title companies, financial consultants, foreclosure assistance providers, and other businesses.

Equity Shelter does not control and is not responsible for the services, actions, omissions, decisions, representations, products, conduct, availability, legality, or performance of any third party.

Any agreement or transaction between you and a third party is solely between you and that third party.

Equity Shelter may use artificial intelligence, machine learning systems, automated tools, predictive technologies, and related software to assist with communications, lead processing, recommendations, customer support, analytics, marketing, and operational functions.

Content or recommendations generated or assisted by artificial intelligence may contain inaccuracies, omissions, or outdated information.

You should independently verify all information before making decisions relating to real estate, legal matters, finances, lending, or foreclosure prevention.

All content, software, technology, functionality, text, graphics, images, logos, videos, designs, trademarks, service marks, trade names, and materials associated with the Services are owned by or licensed to Equity Shelter.

Subject to your compliance with this Agreement, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services solely for your personal, non-commercial use.

• Use the Services for unlawful, fraudulent, misleading, or deceptive purposes.
• Submit false or inaccurate information.
• Interfere with or disrupt the Services or servers.
• Upload malicious code, viruses, malware, bots, or harmful software.
• Attempt unauthorized access to systems or data.
• Use automated scraping, crawling, or harvesting technologies.
• Impersonate another individual or entity.
• Infringe upon the intellectual property or privacy rights of others.

The Services are provided on an "as is," "as available," and "with all faults" basis without warranties of any kind, whether express, implied, statutory, or otherwise.

To the maximum extent permitted by law, Equity Shelter disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, availability, security, or that the Services will be error-free or uninterrupted.

We do not warrant or guarantee any particular result, including foreclosure prevention, financial approvals, property sales, credit improvement, loan modifications, or other outcomes.

To the maximum extent permitted by law, Equity Shelter, Listings.com, their affiliates, officers, directors, employees, contractors, agents, service providers, successors, and assigns shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes, without limitation, loss of profits, loss of data, loss of business opportunity, loss of goodwill, or financial losses arising out of or related to your use of or inability to use the Services.

In no event shall our total aggregate liability arising out of or related to the Services exceed one hundred dollars ($100.00).

You agree to indemnify, defend, and hold harmless Equity Shelter, Listings.com, and their affiliates, officers, directors, employees, contractors, agents, successors, and assigns from and against any claims, liabilities, damages, losses, judgments, costs, and expenses, including reasonable attorneys' fees.

• Your use of the Services.
• Your violation of these Terms and Conditions.
• Your violation of any law or regulation.
• Your infringement of any rights of another person or entity.
• Information or materials submitted by you.

Nothing contained in these Terms and Conditions shall be construed to create any partnership, joint venture, agency, employment, fiduciary, advisory, or representative relationship between you and Equity Shelter.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions or the Services shall be brought exclusively in the state or federal courts located in Broward County, Florida.

You consent to the personal jurisdiction and venue of such courts.

To the maximum extent permitted by law, you agree that any claim or dispute arising out of or relating to these Terms and Conditions or the Services shall be brought only in your individual capacity.

You shall not participate as a plaintiff or class member in any purported class, collective, consolidated, representative, or private attorney general action or proceeding.

You expressly waive any right to participate in a class action or representative proceeding.

We reserve the right to modify, revise, update, or replace these Terms & Conditions at any time in our sole discretion.

Changes become effective immediately upon posting to the website unless otherwise stated.

Your continued use of the Services following the posting of revised Terms & Conditions constitutes your acceptance of such changes.

Please also review our Privacy Policy and any other policies referenced herein or posted on this website.

If any provision of these Terms and Conditions is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms and Conditions, together with the Privacy Policy and any additional agreements expressly incorporated herein, constitute the entire agreement between you and Equity Shelter relating to the Services.

They supersede all prior or contemporaneous communications, understandings, and agreements relating thereto.

If you have questions regarding these Terms and Conditions or the Services, please contact us: