Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") are a binding agreement between you and Zachary Cook d/b/a Helpful Housing Solutions ("Helpful Housing Solutions," "we," "us," or "our") and govern your access to and use of our website, free consultations, referrals, and related services (collectively, the "Services"). By accessing or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements and that the information you provide is accurate and complete.

3. What We Do, and What We Are Not

We provide general information and guidance to help homeowners and heirs understand their options regarding inherited property and foreclosure, and we may refer you to independent third-party professionals. Our consultations are offered at no cost.

Helpful Housing Solutions is not a law firm, real estate brokerage, title company, lender, mortgage servicer, debt-relief or credit-repair company, accounting firm, or financial, tax, or investment advisor. We do not provide legal, financial, tax, real estate, or other professional advice, and nothing we provide should be relied upon as such. We are not a foreclosure rescue or mortgage assistance relief company that promises to stop, delay, or modify any foreclosure or loan, and we do not make any such promise.

4. No Professional Relationship

Your use of the Services does not create an attorney-client, fiduciary, agency, broker-client, or other professional relationship between you and us. Information we provide is general in nature and may not apply to your specific circumstances. You should consult your own qualified attorney, financial advisor, tax professional, or other licensed professional before making decisions about your property, mortgage, or finances.

5. No Guarantee of Results

Every situation is different, and outcomes depend on many factors outside our control, including your finances, your lender, applicable deadlines, and decisions made by third parties. We do not guarantee any particular result, including that any foreclosure will be stopped, postponed, or avoided, that any home will be saved or sold, or that any option will be available to you. Any examples, timelines, or descriptions of options are illustrative only.

6. Referrals and Third-Party Providers

We may refer you to third-party professionals and service providers, such as real estate agents, attorneys, contractors, cleaners, estate-sale specialists, and similar providers. These providers are independent and are not employed or controlled by us. We do not provide their services, supervise their work, or guarantee their quality, pricing, conduct, or results.

Any agreement you enter into with a third-party provider is solely between you and that provider. You are responsible for evaluating and selecting any provider, and we are not liable for the acts, omissions, products, or services of any third party. We encourage you to perform your own due diligence before engaging anyone.

7. Your Responsibilities and Acceptable Use

When using the Services, you agree that you will not:

• Provide false, misleading, or inaccurate information.
• Use the Services for any unlawful, fraudulent, or harmful purpose.
• Interfere with or disrupt the Services or attempt to gain unauthorized access to any systems.
• Copy, scrape, reproduce, or distribute any part of the Services except as expressly permitted.
• Infringe the intellectual property or other rights of any person, or submit content you do not have the right to share.

8. Communications Consent

By providing your contact information, you authorize us and, where applicable, our referral partners to contact you by email, phone, and text message regarding your request and the Services, as described in our Privacy Policy. Where required by law, consent to receive marketing communications, including any using automated technology, is not a condition of using the Services. You may opt out as described in the Privacy Policy.

9. Intellectual Property

The Services and all content, design, text, graphics, logos, and other materials are owned by Zachary Cook d/b/a Helpful Housing Solutions or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use. All trademarks and logos are the property of their respective owners. You may not use our name, logos, or marks without our prior written permission.

10. Third-Party Links

The Services may contain links to third-party websites and tools that we do not control. We provide these links for convenience only and are not responsible for the content, products, services, or practices of any third party. Accessing third-party sites is at your own risk.

11. Disclaimer of Warranties

THE SERVICES AND ALL INFORMATION, CONTENT, AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE.

We do not warrant that the Services will be uninterrupted, secure, error-free, or that any information provided is accurate, complete, current, or reliable. You use the Services and any information at your own risk.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR OWNER, EMPLOYEES, CONTRACTORS, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, PROPERTY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICES, ANY REFERRAL, OR THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD 100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless us and our owner, employees, contractors, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Services, your interactions or agreements with any third-party provider, your violation of these Terms, or your violation of any law or the rights of any third party.

14. Dispute Resolution, Arbitration, and Class Action Waiver

Please read this section carefully, as it affects your legal rights. You and we agree to first try to resolve any dispute informally by contacting each other. If a dispute is not resolved within 30 days, you and we agree that any dispute, claim, or controversy arising out of or relating to the Services or these Terms will be resolved by final and binding individual arbitration administered by a recognized arbitration provider under its applicable rules, rather than in court, except that either party may bring an individual claim in small claims court.

The arbitration will be conducted in the state of Texas, or another location the parties agree to, and judgment on the award may be entered in any court of competent jurisdiction. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL. If the class action waiver is found unenforceable as to a particular claim, that claim will proceed in court, but the rest of this section will remain in effect.

15. Governing Law

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Subject to the arbitration provision above, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Texas for any matter not subject to arbitration.

16. Time Limit on Claims

To the fullest extent permitted by law, any claim arising out of or relating to the Services or these Terms must be filed within one year after the claim arose, or it will be permanently barred.

17. Changes to the Services and These Terms

We may modify, suspend, or discontinue all or part of the Services at any time. We may also update these Terms from time to time. When we do, we will revise the Last updated date above, and material changes will be made available through the Services. Your continued use of the Services after an update means you accept the revised Terms.

18. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Provisions that by their nature should survive termination, including disclaimers, limitations of liability, indemnification, and dispute resolution, will survive.

19. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Services and supersede any prior agreements. If any provision is found unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any right or provision is not a waiver of that right or provision. You may not assign these Terms without our consent, and we may assign them freely. We will not be liable for any delay or failure to perform caused by events beyond our reasonable control.

20. Contact Us

If you have questions about these Terms, contact us at zach@helpfulhousingsolutions.com.