USER AGREEMENT

TERMS OF USE

Effective June 29, 2020

Please read these Terms of Use (“Terms”) carefully before using the NJ Closing Guide website (“Site”) owned and operated by New Leaf Investments LLC and/or its affiliates (“NJCG”, “us”, “we”, or “our”). These Terms apply in full force and effect to all users of this Site, and by using this Site, you expressly agree to accept, comply with, and be bound by these Terms. Should you disagree with or breach any of these Terms, you agree to immediately discontinue use of this Site.

These Terms are subject to change at any time and without notice, and you are expected to review these Terms on a regular and ongoing basis to ensure you understand the Terms governing the access or use of this Site.

We also encourage you to read our Privacy Policy.

>> Disclaimer of Warranties and Limitation of Liability

The content on this Site is delivered “as-is,” with all faults, and without representation or warranty of any kind, either express or implied, including, without limitation, any representation or warranty as to suitability, reliability, fitness for a particular purpose, non-infringement, result, outcome or any other matter. Your use of THIS Site is solely at your own risk.

We make no representations or warranties of any kind with respect to this Site or its content, or any product or service available on or promoted through this Site, including those of third parties; or that this Site, its content, its servers, or any transmissions sent from us or through this Site will be up-to-date and current, complete, accurate, free from errors, or free of harmful components (including viruses, malware, spyware or other malicious code).

Without limiting the generality of the foregoing, we are not responsible for any content, communication, information, or other materials posted, submitted, communicated, shared, discussed or otherwise generated through blogs, discussion boards, or other public areas of our Site, nor do we guarantee their truthfulness, accuracy, or completeness.

This Site is for general informational purposes only.

All liability with respect to actions taken or not taken based on the information and content of this Site are hereby expressly disclaimed to the fullest extent permitted under applicable law.

The content and information contained on this Site is not intended to be legal advice or a legal opinion, financial or tax advice, or any other professional advice, whatsoever, and should not be relied upon in that regard. You should contact your attorney or other financial or tax advisor to obtain professional advice with respect to legal, financial, tax or other important matters.

No reader, user, or browser of this Site should act or refrain from acting on the basis of information on this Site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation.

Use of, and access to, this Site or any of the links or resources contained within the Site do not create an attorney-client relationship between the reader, user, or browser and the Site’s owners, operators, members, authors, contributors, and/or their respective employers.

>> Views Expressed

The views and opinions expressed on this Site, including but not limited to, any content written in the blog posts, are those of the individual author(s) and contributor(s) and do not reflect the thoughts, policies or position of any other entity, agency, organization, employer or company that the individual author(s) may be associated with in either a professional or personal capacity, unless explicitly stated otherwise; are not intended to represent the official position of NJCG or its affiliates; or to malign any religion, ethnic group, club, organization, company or individual.

>> Linked Sites and Affiliate Links

This Site may contain links to other web sites (“Linked Sites”). These Linked Sites are provided for your convenience and information only and, as such, you access them at your own risk. The content of any Linked Sites are not under our control, and we are not responsible for, and do not endorse, such content, whether or not we are affiliated with the owners of such Linked Sites.

This Site may also contain affiliate links to products and services (“Affiliate Links”). While clicking or buying through these Affiliate Links does not cost you anything extra, we may receive a small commission for purchases made through these Affiliate Links. We are proud to deliver clear and unbiased content. The compensation we receive through our Affiliate Links is merely a revenue stream which allows us to continue to operate our Site, and it will never influence the information, topics, posts or integrity of our Site. Thank you for your support!

>> Copyright

Except as otherwise noted, all trademarks, photographs, artwork, and other content, video clips, and written materials used in this Site are protected by copyright laws and are owned or licensed by us. None of these items may be copied, reproduced, downloaded, posted, transmitted, broadcast or otherwise distributed in any manner without our prior written consent.

Nothing contained herein shall be construed as conferring any license or right under any copyright, trademark or other intellectual property right. NJCG neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with NJCG.

>> Dispute Resolution

You agree that you will only sue us as an individual. You agree that you will not file a class action against the Site, NJCG, or its owners and operators, or participate in a class action against the Site or NJCG, or its owners and operators. You and we agree that any dispute between you and NJCG arising under or related to these Terms, this Site, and/or its content, can only be brought in binding individual (non-class) arbitration to be administered by the American Arbitration Association (“AAA”). If, for any reason, AAA is not available, you or NJCG may file a case with any national arbitration company. We both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

>> Applicable Law

By using this Site, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of New Jersey, without regard to conflicts of law principles, will govern these Terms and any dispute arising out of your use of this Site or between you and NJCG.