Effective Date: August 30, 2024

Agreement to Terms

By accessing our website, using our services, or contacting My Foreclosure Solution, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

Services Provided

Real Estate Services

• Property evaluations and market analysis
• Cash offers for real estate purchases
• Real estate transaction services
• Property investment consultation

Foreclosure Assistance

• Foreclosure prevention consultation
• Options analysis and strategic planning
• Referrals to qualified professionals
• Educational resources and information

Surplus Funds Recovery

• Eligibility assessment for surplus funds
• Recovery services on a contingency basis
• Documentation and filing assistance
• Claim processing and follow-up

Licensing and Professional Status

California Real Estate License

My Foreclosure Solution operates under California Real Estate License DRE #02076038. All real estate activities are conducted in compliance with California real estate law and regulations.

Professional Limitations

We are NOT:

• Licensed attorneys or law firm
• Financial advisors or investment advisors
• Tax professionals or accountants
• Licensed debt counselors
• HUD-approved housing counseling agency

Service Terms and Conditions

Consultation Services

• Initial Consultation: Typically provided at no cost
• No Obligation: You are not obligated to use our services
• Information Only: Initial consultations are informational
• No Guarantees: No specific outcomes are guaranteed

Property Purchase Terms

• As-Is Condition: Properties purchased in current condition
• Subject to Inspection: Offers subject to property inspection
• Market-Based Pricing: Offers based on current market conditions
• Closing Timelines: Typically 7-30 days, subject to title and financing

Surplus Funds Recovery

• Contingency Fee: 20-40% of recovered funds
• No Recovery, No Fee: No fee if funds are not recovered
• Eligibility Required: Not all properties qualify for surplus funds
• Self-Recovery Option: You may attempt recovery yourself

User Responsibilities

Accurate Information

You agree to provide:

• Truthful and accurate information about your situation
• Complete property and financial information
• Current contact information
• Prompt updates to any changes in circumstances

Timely Response

• Respond promptly to requests for information
• Meet agreed-upon deadlines and timelines
• Notify us immediately of any changes affecting services
• Provide necessary documentation in a timely manner

Professional Conduct

• Treat our staff and partners with respect
• Comply with all applicable laws and regulations
• Not misuse our services or information
• Maintain confidentiality of proprietary information

Payment Terms

Service Fees

• Consultation: Initial consultation typically free
• Surplus Recovery: Contingency fee of 20-40% of recovered funds
• Real Estate Transactions: Commission and fees as disclosed
• Additional Services: Fees disclosed before providing services

Payment Processing

• Fees collected at closing or upon successful completion
• No upfront fees for most services
• Payment methods: wire transfer, certified funds, or company check
• All fees subject to applicable taxes

Limitation of Liability

Service Limitations

Our liability is limited to:

• The amount of fees actually paid for services
• Direct damages only (no indirect or consequential damages)
• Services performed with reasonable professional care
• Replacement or refund of defective services

No Warranty

We provide services "as-is" without warranty of:

• Specific outcomes or results
• Prevention of foreclosure
• Recovery of surplus funds
• Particular property values or market conditions

Time Limitations

Statute of Limitations

• Claims: Must be brought within one (1) year of discovery
• Service Issues: Must be reported within 30 days
• Payment Disputes: Must be raised within 60 days
• Document Retention: We maintain records for 7 years

Intellectual Property

Website Content

Our website content is protected by:

• Copyright and trademark laws
• Trade secret protections
• Proprietary business methods
• Licensed third-party content

User License

You may:

• View and use website for personal, non-commercial purposes
• Print individual pages for personal reference
• Share links to our website and content

You may NOT:

• Copy, reproduce, or distribute our content
• Use our content for commercial purposes
• Reverse engineer our systems or processes
• Create derivative works from our content

Privacy and Data Protection

Information Collection

By using our services, you consent to our collection and use of information as described in our Privacy Policy, including:

• Personal and property information
• Communication preferences and records
• Website usage and analytics data
• Marketing and advertising interactions

TCPA Compliance

You provide express consent to be contacted via:

• Phone calls (including automated dialing)
• Text messages (including pre-recorded messages)
• Email communications
• Marketing and promotional materials

Dispute Resolution

Good Faith Resolution

Before formal proceedings, parties agree to:

• Discuss issues in good faith
• Provide 30-day written notice of disputes
• Attempt mediation through qualified mediator
• Consider reasonable settlement proposals

Arbitration

Disputes not resolved through mediation shall be subject to:

• Binding arbitration under California law
• American Arbitration Association rules
• Single arbitrator selected by mutual agreement
• Arbitration in Orange County, California

Exceptions to Arbitration

The following may be pursued in court:

• Small claims court matters
• Injunctive relief for intellectual property
• Collection of undisputed amounts owed
• Emergency or temporary restraining orders

Governing Law

These terms are governed by California state law and applicable federal law. Venue for any court proceedings shall be in Orange County, California.

Termination

Termination Rights

Either party may terminate services:

• With 30 days written notice for convenience
• Immediately for material breach
• Immediately for illegal or unethical conduct
• Upon completion of agreed services

Effect of Termination

• Obligation to pay for services rendered
• Return of confidential information
• Survival of limitation of liability clauses
• Continued effect of privacy and confidentiality terms

Miscellaneous Provisions

Entire Agreement

These terms, together with our Privacy Policy and any written service agreements, constitute the entire agreement between parties.

Severability

If any provision is found unenforceable, the remainder of these terms shall remain in full force and effect.

Amendment

These terms may only be modified in writing or by posting updated terms on our website with reasonable notice.

Assignment

We may assign these terms in connection with a merger, acquisition, or sale of business assets. You may not assign your rights without written consent.

Contact Information

Questions about these terms should be directed to:

My Foreclosure Solution
Phone: (949) 565-5285
Email: legal@myforeclosuresolution.com
Licensed California Real Estate Professional DRE #02076038

Last Updated: August 30, 2024