Terms of Use

WELCOME TO THE PearlPropertiesGroup.com WEB SITE. WE HOPE THIS WEB SITE FURNISHES YOU WITH HELPFUL INFORMATION REGARDING THE COMMUNITY AND THE REAL ESTATE MARKET.

YOUR ACCESS AND USE TO THIS WEBSITE AND TRANSACTIONS WITH THIS COMPANY ON THE WEBSITE ARE SUBJECT TO THE FOLLOWING TREMS AND CONDITIONS, REFERRED TO AS “TERMS OF USE”. CLICKING ONTO WEB PAGES BEYOND THE HOMEPAGE CONSTITUTES YOUR UNDERSTANDING, ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE, WHETHER OR NOT YOU COMPLETE A TRANSACTION, OR INQUIRY WITH THE COMPANY AND WHETHER OR THROUGH OTHER FORMS OF COMMUNICATION, INCLUDING TELEPHONE, E-MAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT ACCESS OR USE THIS WEBSITE.

WEBSITE OWNERSHIP

This website is owned and operated by Pearl Properties Group, LLC, Inc.

WEBSITE ACCESS

We reserve the right at all times in our sole discretion and without notice to you, to limit or deny your access to and use this website.

1. TERMS OF USE AGREEMENT

PearlPropertiesGroup.com is owned by Pearl Properties Group, LLC. and requests that you read, understand and agree to the following Terms and Conditions contained in this Terms of Use Agreement (“Agreement”).

AGE LIMITATIONS

The Site is intended for individuals who are at least 18 years of age and reside in the United States. If you are under 18 years of age or reside outside of the United States, you are not authorized to use, view or access the Website. By accessing or using this website, you agree to the Terms of Use.

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 9 and 17).

If you do not agree to the terms and conditions contained herein, you are not authorized to use the Website and you are to stop using the Website immediately.
As defined in this of this Agreement, “You” or “Your” or “User” means the person(s) using the Website and/or the goods and services of Pearl Properties Group, LLC. ( hereinafter “The Company”, ”we”, “us”, “our” and/or and its affiliates and providers.

THE DISCLOSURES AND CONSENT REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITE.

Pearl Properties Group, LLC. operates the Website and shall have the right at any time to modify, change or discontinue any service of the Website, without prior notice. Additionally, the Company shall have the right, at its sole discretion, to modify the terms and conditions contained in this Agreement and Terms of Use. In the event of a change in the Agreement, the changes shall be effective immediately upon the posting of the revised Terms of Use to the Website.

2. USE OF WEB SITE

As a condition of your access and use of this Web Site, you represent and warrant to that you will not use the web site for any illegal or unlawful acts. Your use of the web site may be terminated if you violate the Terms of Use and you may not use the web site to intimidate, harass anyone or deter any business, including but not limited to the posting or transmitting of any threatening, libelous, harmful, obscene, inflammatory, or pornographic content.

Prohibited Activities

3. PROHIBITED ACTS

You may not disturb the service of the web site in any form. As a user or one with access to the site or servers, you are strictly prohibited from any use of the web site, directly or through third parties to conduct any of the following:

1) reveal or share user’s passwords without their permission,

2) use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor, “scrape,” or copy the web site without prior written consent from our legal department,

3) harass or intimidate others in any form,

4) attempt to disassemble or reverse engineer any of the code or software connecting to the web site or service,

5) list or post any material, information, photographs, text or material that you do not have the legal right to use or transmit,

6) upload or cause any unreasonable or disproportionately large service load on the Web Site’s infrastructure and or servers, including any unsolicited mass e-mailing scheme, or

7) breach any applicable municipal, state, national or international laws.

4. GEOGRAPHIC LOAN AREA

Independent third party affiliates may provide mortgages to U.S. citizens secured by real estate located in the United States of America. We provide references to lenders that have experience in the local marketplace as general information. We cannot guarantee that any loan commitment will eventually be closed under the terms and amounts in your loan application or that the lender will fulfill your loan request. You understand that services and information herein pertain to products and services in the United States only and are independent lenders not owned or managed by Pearl Properties Group, LLC. We are not responsible for your mortgage application and financing of your real property. We suggest that you obtain an attorney to represent you on all your financial matters. Additionally, you acknowledge and agree that you are responsible for abiding with all laws and regulations applicable to your access to and use of this Website and its content.

5. INDEPENDENT AGENTS

You understand and represent that the real estate agents are independent consultants and not employees of Pearl Properties Group, LLC.

6. LINKING

We are not responsible for links to other websites. For your general information, this website may furnish links to other related websites. We do not sponsor or endorse the content and services of third party websites. You acknowledge and agree that we are not responsible for other websites and services for any claims, damages or actions that arise from your access or use of other websites and services.

7. COMMUNICATIONS

You are also represent that you are agreeing to receive important communications and disclosures and other communications in electronic form. You hereby agree and consent to being contacted even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from you.

8. COPYRIGHT, TRADEMARK AND SERVICE MARK NOTICES

All contents of the Website are protected copyrights, trademarks and service marks of Pearl Properties Group, LLC. All rights reserved. PearlPropertiesGroup.com is a registered trademark of Pearl Properties Group, LLC.

You are not granted a license to use any trademark and agree that you do not acquire any ownership rights by downloading or accessing the website. You acknowledge and agree that you will not copy, publish, create derivative works from post, distribute transfer reverse engineer, frame in any web page, or alter the appearance of the Website or its contents.

You are prohibited to use the Website content, domain names, or e-mail addresses, data, trademarks, logos, etc for any purpose: In a meta-tag, hidden format or hidden text; marketing directory, as advertising related to the website, in comparative or directory websites; or as variable in any algorithm that causes another browser or appear on, over or simultaneously as the Company’s website or controls the content or information of any other internet browser.

You are permitted a limited sublicense to right to access the web site and use the services for your personal, non-commercial use. You are prohibited to:

a) redistribute, display, or distribute any content to any third party, including, but not limited to reproduction on any computer network or broadcast media.

b) Make derivative uses of the web site or its content,

c) frame, use or use any framing technique to copy, redistribute any portion of the web site,

d) collect or use any content including a prohibition on information spiders, robots,, information and content compilation or any other information and content collection or extracting methods,

e) reproduce,, sell, market the content of the web site, or

f) use for any commercial purpose


9. DISCLAIMERS AND LIABILITY

Pearl Properties Group, LLC. intends that the information contained in the Website be accurate, true and reliable; however, errors may sometimes occur. We urge you to have a professional accountant and attorney assist you on all your business affairs. The information is provided as a service to the general public and is not designed as professional advice. You should hire a an attorney and architect to verify square footage, dimensions, legal room count, valid permits, tax consequences, legal use of space, etc. In addition, changes and improvements to the information provided herein are provided “as-is” without warranty of any kind, implied, expressed or otherwise. Under no circumstances will Pearl Properties Group, LLC., its’ officers, employees, and affiliates be liable for any loss or damage caused by your reliance on information obtained through the Website. It is your responsibility (along with your professional advisors) to evaluate the accuracy and appropriateness of the information.
THE WEBSITE, PAGE CONTENT AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. THE COMPANY AND/OR ITS AFFILIATES, SUPPLIERS, PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. USE OF THE WEBSITE AND/OR SERVICES IS AT YOUR OWN RISK. THE COMPANY AND/OR ITS AFFILIATES, SUPPLIERS, PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR ANY SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, OR ANY CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO OUR RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PEARL PROPERTIES GROUP,LLC. AND/OR ITS AFFILIATES, SUPPLIERS, PROVIDERS OR OTHER COMPANIES HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. PEARL PROPERTIES GROUP, LLC. MAKES NO REPRESENTATIONS REGARDING THE WEB PAGE CONTENT OR THE USE OF THE WEB PAGE CONTENT. THE CONTENT COULD CONTAIN SOME INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF EVENTS THAT TAKE PLACE AFTER THEIR RESPECTIVE DATES OF PREPARATION. THE COMPANY HAS NO OBLIGATION TO MAINTAIN THE ACCURACY OR TIMELINESS OF ANY WEB CONTENT ON OR AVAILABLE THROUGH THE WEBSITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

10. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

We operate a private electronic platform. As part of this Agreement, you represent and agree that you may be notified by electronic means, including, but not limited to e-mails, texts, etc. Additionally, you represent and consent that such electronic communications shall have the same force and effect as a printed communication.

11. PRIVACY POLICY

Please take a minute to refer to our privacy policy. Our privacy policy is incorporated by reference, and is a part of the Terms of Use.

12. INDEMNITY

By using this Website, you agree to indemnify and hold harmless, the Company, it’s officers, employees and our affiliates, against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of the Website, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

13. LIMITATION ON DAMAGES

In no event will Pearl Properties Group, LLC, its’ officers, employees or our affiliates have any liability to you in excess of actual compensatory damages. By using our Website and services, you irrevocably waive any claim to consequential, punitive or exemplary damages.

14. LINKS TO THIRD PARTY WEBSITES

The Websites may contain links to third party websites. Such links are provided for general purposes and are not a recommendation of the Website or the services offered. These links are provided for general information only. When you leave our Website, we are not responsible for the service, information or content of third party websites.

15. ERRORS AND DELAYS

The Internet and telecommunication services are not always a perfect fluid form of communication and are subject to interruptions and problems with electronic capabilities. We are not responsible for any errors or delays in responding to a loan request or related matter because of a technical issue, outdated electronic computers or a situation beyond our reasonable control. If a situation occurs, you may always use traditional communication systems, such as the telephone to contact us.

16 LEGAL / ACCOUNTING COUNSELING

You should obtain professional legal and accounting consultation for all your business affairs before you enter into a binding agreement. We are not a law firm or accounting firm and do not provide legal or financial advice.

17. DISPUTE RESOLUTION

Any claim or controversy arising out of or relating to the use of the Website, or services provided by Pearl Properties Group, LLC or its officers, employees, affiliates, or to any acts or omissions for which you may contend we are liable, including but not limited to any claim or controversy as to arbitration (“Dispute”), shall be finally, and exclusively, resolved by arbitration. The arbitration shall be held before one arbitrator under the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association (“AAA”). The arbitration shall be located and venued in Westchester County, New York. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the parties shall agree on an arbitrator mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties would jointly select another arbitrator. In the event the parties are unable to agree on a neutral arbitrator, the claimant may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in Section 5 of the Federal Arbitration Act. To commence the arbitration process, a party must make a written demand for arbitration and notify the other party.
Any judgment upon the award by the arbitrators can be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or any other manner. THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND PEARL PROPERTIES GROUP, LLC. , IT’S OFFICERS, EMPLOYEES AND ITS AFFILIATES WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using our service and Website, you consent to these limitations. Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Pearl Properties Group, LLC. the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts residing in Westchester County, New York. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys’ fees.

18 COPYRIGHT, TRADEMARK AND SERVICE MARKS

This site is owned by Pearl Properties Group, LLC and all content on this Web Site is protected intellectual property. The text, images, photographs, video, etc ( hereinafter “Content”), is protected by copyrights, trademarks, service marks, and/or other intellectual property rights are owned or licensed by us or by third party providers. The Web Site and material is provided strictly for your personal use and enjoyment. You may print a copy of the information contained herein for your personal, non-commercial use, however you may not use any of the content herein for commercial purposes. You represent that you will not copy, modify, reframe, incorporate into another web site, or any of the content for reproduction or commercial use without the written consent of our legal department.

19 THIRD PARTY RIGHTS

These terms are for the benefit of Pearl Properties Group, LLC and its officers, employees, affiliates, agents, and suppliers. Each of these individuals or entities will have the right to assert and enforce these terms of use directly against you on its or their own behalf.

20. MISCELLANEOUS TERMS

REAL ESTATE AGENTS AFFILIATED WITH PEARL PROPERTIES GROUP, LLC ARE INDEPENDENT AGENTS AND NOT EMPLOYEES OF PEARL PROPERTIES GROUP, LLC.

THIS IS NOT INTENDED TO SOLICIT FOR PROPERTY ALREADY LISTED. THE INFORMATION IS DEEMED RELIABLE, BUT NOT GUARANTEED. ALL INFORMATION IS SUBJECT TO CHANGES WITHOUT NOTICE.

ALL DATA IS DEEMED RELIABLE, BUT NOT GUARANTEED BY PEARL PROPERTIES GROUP,LLC. DATA ON SQUARE FOOTAGE AND BEDROOM COUNT IS FROM PUBLIC INFORMATION OR OTHER SOURCES AND HAS NOT BEEN VERIFIED BY US. LEGAL BEDROOM COUNT, SQUARE FOOTAGE, PROPERTY SIZE AND QUALITY, PERMIT VERIFICATION, USAGE, ETC. IS THE RESPONSIBILITY OF THE CLIENT. EACH PERSON SHOULD CONSULT AN ATTORNEY, ARCHITECT AND ENGINEER TO VERIFY ALL DATA.

AGREEMENTS SIGNED BY ONE TITLE HOLDER SHALL BE DEEMED CONSENT FROM ALL PARTIES ON THE DEED OR SHARES OF COOPERATIVE. THE SIGNING OF OUR SERVICE AGREEMENT BY ONE TITLE HOLDER SHALL BE DEEMED THAT THEY HAVE CONSENT FROM ALL TITLE HOLDERS AND WILL BE RESPONSIBLE FOR ALL SERVICES CONTRACTED FOR AS IF THEY HAD BEEN SIGNED BY ALL TITLE HOLDERS; AND WILL FURTHER INDEMNIFY AND HOLD HARMLESS THE COMPANY FROM ANY LEGAL ACTIONS THAT WERE NOT APPROVED BY THE OTHER TITLE HOLDERS. SHOULD YOU RECEIVE A CORRESPONDENCE AND YOUR PROPERTY IS ALREADY LISTED, IT IS NOT A SOLICITATION AND YOU SHOULD IGNORE THE COMMUNICATION AND DISCARD IT IMMEDIATELY.

NO WORK OUTSIDE REAL ESTATE BROKERAGE SERVICES ARE AUTHORIZED BY THE COMPANY AND THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY ADDITIONAL WORK ARRANGED BY THIRD PARTIES OR INDEPENDENT CONTRACTOR SALESPERSONS OF THE COMPANY. NO DEDUCTION OR ALLOWANCE FOR SERVICE COMMISSIONS FOR ADDITIONAL SERVICES IS AUTHORIZED WITHOUT THE WRITTEN CONSENT OF ONE OF THE PRINCIPALS.

PEARL PROPERTIES GROUP, LLC IS NOT AN INSURANCE COMPANY, LAW FIRM OR ENGINEERING COMPNY. ALL PROFESSIONAL SERVICES SHOULD BE PERFORMED WITH AN INDEPENDENT PROFESSIONAL AND AGREED TO WITH A FORMAL WRITTEN AGREEMENT. YOU SHOULD EMPLOY AN ENGINEER AND ARCHITECT TO INSPECT ANY PROPERTY YOU PURCHASE TO VERIFY THE SIZE, USE (ZONING CERTIFICATE OF OCCUPANCY, SQUARE FOOTAGE, ETC) AND CONDITIONS OF THE PROPERTY. ADDITIONALLY, YOU SHOULD EMPLOY AN EXPERIENCED ATTORNEY TO REPRESENT YOU IN ALL REAL ESTATE TRANSACTIONS. WE RECOMMEND THAT YOU HIRE PROFESSIONALS TO PERFORM THE REQUIRED WORK TO INSURE YOU HAVE THE BEST REAL ESTATE EXPERIENCE. PEARL PROPERTIES GROUP, LLC IS NOT RESPONSIBLE FOR REGARDING ENGINEERING, ARCHITECTURAL OR LEGAL ADVICE.

LISTING INFORMATION: THE REAL ESTATE OFFERINGS AND INFORMATION PROVIDED ON THIS WEB SITE AND SUPPLEMENTAL MATERIALS ARE SUBJECT TO ERRORS, OMISSIONS, CHANGES, OR WITHDRAWAL WITHOUT NOTICE. ALL DIMENSIONS ARE APPROXIMATE AND HAVE NOT BEEN VERIFIED BY PEARL PROPERTIES GROUP, LLC AND ITS AGENTS OR THE SELLING ENTITY. WE CANNOT VERIFY THE INFORMATION. THE NATIONAL BOARD OF REALTORS AND PEARL PROPERTIES RECOMMEND THAT YOU HIRE A PROFESSIONAL SPECIALIZING IN THAT FIELD TO VERIFY ALL INFORMATION. PROFESSIONALS IN THE BUSINESS OF DETERMINING DIMENSIONS, SUCH AS AN APPRAISER, ENGINEER OR ARCHITECT SHOULD BE CONTACTED TO VERIFY THE DIMENSIONS.

DURING THE COURSE OF ANY PROPERTY VIEWING, THE OWNER SHALL MAINTAIN THE PROPERTY IN A SAFE CONDITION, FREE FROM HAZARDS. NO LOOSE ITEMS OR SLIP AND FALL HAZARDS SHALL BE PRESENT ON THE PROPERTY. OWNER AGREES TO INDEMNIFY AND HOLD HARMLESS PEARL PROPERTIES FROM ACCIDENTS RESULTING FROM AN UNSAFE CONDITION.


21.UNDERSTANDING TERMS OF USE

The Terms of Use constitutes the entire agreement between you and Pearl Properties Group, LLC. Additionally, this Agreement supersedes all prior or contemporaneous promises and communications, between you and Pearl Properties Group, LLC. This Agreement shall be subject to and construed in accordance with the laws of the State of New York, excluding its conflict of laws principles. In the event that any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations, then the invalid and/or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall remain in effect. A printed version of this Agreement and of any notice thereof, given in electronic form shall be admissible in all judicial proceedings and administrative proceedings based on the Terms of Use and shall remain to the same extent and context, as other agreements originally produced and written in printed form. All rights not expressly granted herein are reserved.

COPYRIGHT@2016. PEARL PROPERTIES GROUP, LLC. ALL RIGHTS RESERVED

1601 THIRD AVE- 6F, NEW YORK, NEW YORK. AND SEVEN CHESLEY ROAD, WHITE PLAINS, NEW YORK 10605.

Please print and retain a copy of this agreement for your records (August, 1 2016)

As members of the National Association of Realtors, we abide by the Fair Housing regulations. We update and review guidelines regarding fair housing laws and practices, protecting and following local and national laws and regulations. Our community of sales agents represents a wide diversity of people from many backgrounds: race, religion, sex, handicap, nationality or other protected class, and offer the same level of service and commitment to all people. We are committed to the rights and responsibility as outlined by the National Association of Realtors in reference to Fair Housing policies. Our company and our independent agents offer equal professional service to all of our clients, without regard to race, color, religion, sex, handicap, familial status, national origin or other protected class or status of the community. Our internal policy reflects our commitment to compliance with all Fair Housing laws. Our advertising, literature, and promotional material does not exclude any protected class. We provide our clients with information regarding our obligations under the law to the Fair Housing laws. All sales agents are independent agents of the company.