Terms of Service & Legal Disclaimer

1. NATURE OF SERVICE (ADVERTISING ONLY)

PeerPadz.com (the "Platform") acts strictly as an online advertising directory and information aggregator. The Platform is NOT a licensed real estate broker, agent, mortgage lender, or title company in the State of Ohio or any other jurisdiction. We do not represent buyers or sellers, we do not negotiate terms of sale, and we do not hold funds in escrow.

By paying the access fee, you acknowledge that you are purchasing access to information only. The Platform makes no guarantees regarding the successful sale or purchase of any property.

2. NO FIDUCIARY DUTY OR PROFESSIONAL ADVICE

No professional relationship (agency, fiduciary, or otherwise) is created between you and the Platform. The contents of this directory, including property descriptions, pricing, and legal forms, are for informational purposes only and do not constitute legal, financial, or real estate advice.

3. USER RESPONSIBILITY & FRAUD ALERT

You acknowledge that the Platform does not verify the identity of users or the accuracy of listings. "For Sale By Owner" (FSBO) transactions can be targets for fraud.

• Do Your Own Due Diligence: It is your sole responsibility to verify property titles, condition, and the identity of the counterparty.
• Wire Fraud Warning: Never wire money based on email instructions from this Platform or unverified users.
• As-Is Data: All data is provided "AS IS" without warranty of any kind.

4. PAYMENT & REFUND POLICY

Fees charged by the Platform are strictly for directory access and hosting. These fees are fully earned upon payment and are non-refundable, regardless of whether a property is sold or a suitable property is found, unless otherwise explicitly stated in our Refund Policy.

5. SECTION 230 DISCLAIMER (USER GENERATED CONTENT)

Pursuant to Section 230 of the Communications Decency Act (47 U.S.C. § 230), the Platform is an interactive computer service provider and is not the publisher or speaker of any information provided by third-party users. We are not liable for any false, misleading, or defamatory statements made by users in their listings.

6. NATIONWIDE FAIR HOUSING COMPLIANCE

The Platform operates in compliance with the Federal Fair Housing Act (42 U.S.C. § 3604). It is illegal to advertise any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin. We reserve the right to immediately remove any listing that violates these federal standards or the Ohio Civil Rights Law (ORC Chapter 4112), without refund.

7. GOVERNING LAW AND VENUE

Although this Platform may be accessed nationwide, you agree that these Terms are governed by the laws of the State of Ohio, without regard to its conflict of laws principles. Subject to the arbitration agreement in Section 8, you explicitly agree that any legal action arising from your use of this Platform that is permitted to proceed in court must be filed exclusively in the state or federal courts located in Montgomery County, Ohio.

8. BINDING ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

• Agreement to Arbitrate: Except as stated below, you and PeerPadz.com agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform (a "Dispute") will be resolved exclusively by final and binding arbitration, rather than in court.
• Informal Resolution First: Before starting an arbitration, you must send us written notice describing the Dispute and the relief you seek, and give us 30 days to try to resolve it informally.
• Rules and Location: The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, before a single arbitrator. Hearings, if any, will be held in Montgomery County, Ohio, or by video or telephone if you prefer. Judgment on the award may be entered in any court of competent jurisdiction.
• Class Action and Jury Waiver: You and PeerPadz.com may bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate claims or preside over any class proceeding. YOU AND PEERPADZ.COM EACH WAIVE THE RIGHT TO A JURY TRIAL.
• Exceptions: Either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive relief in court to stop infringement or misuse of intellectual property or unauthorized use of the Platform. Section 6 (Fair Housing) removal rights are not subject to arbitration.
• Opt-Out: You may opt out of this arbitration agreement by sending us written notice within 30 days of first accepting these Terms. If you opt out, Section 7 (Governing Law and Venue) will apply to Disputes.
• Severability: If the class action waiver is found unenforceable, the remainder of this Section will not apply to the affected claim, and that claim must be brought in court under Section 7. If any other part of this Section is found unenforceable, the rest remains in effect.
• Survival: This Section survives termination of your account and these Terms.

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless PeerPadz.com, its officers, and affiliates from any claims, damages, or lawsuits arising out of (a) your use of the directory, (b) any real estate transaction you enter into, or (c) any content you post to the Platform.