Terms of Use

1. Acceptance of Terms

These Terms of Use apply to the Candice Russell Real Estate Toolkit, including its webpages, calculators, worksheets, comparison tools, guides, educational materials and related resources.

Continued use of the website constitutes acceptance of the current version of these terms.

2. Purpose of the Website

The website provides general real estate information, organizational tools, planning resources and estimated calculations for buyers, sellers and real estate professionals.

Website content is intended to support education and professional conversations. It is not intended to replace individualized advice from a qualified real estate, lending, legal, tax, accounting, settlement, inspection, appraisal or financial professional.

3. Eligibility

This website is intended for adults who are legally able to enter into agreements and make real estate or business decisions.

By using the website, you represent that you are at least 18 years old or are using the website with the supervision and permission of a parent or legal guardian.

4. Permitted Use

You may use the website for lawful personal, educational, client-service or internal professional purposes.

Permitted uses may include:

• Reviewing real estate educational content
• Preparing estimated calculations
• Comparing properties or offer scenarios
• Organizing information for a consultation
• Printing or reviewing results for personal use
• Using professional tools to support client discussions

5. Prohibited Use

You may not use the website in a way that is unlawful, misleading, harmful or disruptive.

Prohibited activities include:

• Using the website for fraud or misrepresentation
• Entering false information to mislead another person
• Attempting to access restricted systems or data
• Introducing malware, malicious code or automated attacks
• Interfering with website security or performance
• Copying or reselling the website or tools without permission
• Removing copyright, trademark or attribution notices
• Using results as guaranteed settlement or lending figures
• Presenting estimates as official legal or financial documents

6. Calculators, Worksheets and Estimates

Calculator, worksheet and comparison results are estimates based on the information entered by the user and the assumptions built into the tool.

Results may differ from actual costs, proceeds, payments, credits, taxes, settlement figures, loan disclosures, contract terms or professional calculations.

You are responsible for verifying the accuracy and completeness of the information entered. You should not rely on a result as a guarantee of a sale price, closing cost, net proceed, payment, property value, contract outcome or financing decision.

Official figures must be obtained from the appropriate lender, settlement provider, attorney, broker, tax professional or other qualified professional.

7. Professional Use

Public tools and resources may also be used by licensed real estate professionals for organization, analysis, consultations and presentations.

Real estate professionals remain responsible for:

• Verifying all property and transaction information
• Following applicable laws and licensing requirements
• Following brokerage policies and supervision
• Using approved contracts, forms and disclosures
• Providing services within the scope of their license
• Reviewing all client-facing materials for accuracy
• Protecting confidential and personal information

Use of a website tool does not transfer responsibility for professional judgment, compliance or accuracy to Candice Russell or the website.

8. Intellectual Property

Unless otherwise stated, the website design, branding, text, calculators, worksheets, page layouts, graphics, tool concepts, downloadable materials and original content are owned by or licensed to Candice Russell.

You may not reproduce, publish, distribute, sell, license, modify, reverse engineer or create a competing commercial product from the website or its tools without prior written permission.

Limited printing or saving of results for personal use or authorized client-service use is permitted when the original branding, notices and disclaimers remain intact.

Third-party company names, trademarks and logos remain the property of their respective owners.

9. Information You Provide

You are responsible for information entered into calculators, worksheets or communications.

You should have appropriate authorization before entering, processing or sharing information relating to another person, client, property or transaction.

Do not enter Social Security numbers, bank account information, passwords, complete loan account numbers, credit card details or other highly sensitive information into the website.

By voluntarily sending an email or other communication, you represent that the information is accurate and that you are authorized to provide it.

10. Third-Party Websites and Services

The website may include links to email services, scheduling platforms, hosting providers, broker websites, lenders, settlement providers, government resources or other third-party services.

External links are provided for convenience and do not necessarily constitute endorsement or guarantee.

Third-party websites operate under their own terms, policies, security practices and availability. Use of an external service is at your own discretion.

11. Website Availability and Changes

The website may be updated, modified, suspended or discontinued at any time.

Tools may be added, removed or marked as unavailable. Features may change as calculations, laws, market practices, technology or business needs evolve.

No guarantee is made that the website will be uninterrupted, error-free, compatible with every device or available at all times.

12. No Warranties

The website and its content are provided on an “as is” and “as available” basis to the fullest extent permitted by law.

No express or implied warranty is made regarding accuracy, completeness, reliability, availability, suitability, merchantability, fitness for a particular purpose or non-infringement.

Website information may contain errors, omissions, outdated information or technical limitations.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Candice Russell, eXp Realty and their respective affiliates, brokers, service providers and representatives will not be liable for losses arising solely from reliance on an estimate, website result, worksheet, comparison, guide or third-party link.

This may include direct, indirect, incidental, consequential, special or similar damages associated with financial decisions, contract decisions, lost opportunities, transaction delays, inaccurate entries, unavailable services or technical errors.

Some jurisdictions do not permit certain limitations of liability, so portions of this section may not apply in every circumstance.

14. Indemnification

To the extent permitted by law, you agree to be responsible for claims, losses or expenses resulting from your unlawful use of the website, violation of these terms, misuse of website content or unauthorized use of another person’s information.

15. Changes to These Terms

These Terms of Use may be revised when website features, business practices, laws, technology or services change.

The updated date displayed at the top of the page will be revised when material changes are made.

Continued use of the website after changes are posted constitutes acceptance of the revised terms.

16. Questions

Questions about these Terms of Use may be directed to: