TERMS OF USE

What this section covers: The general purpose of Christensen Properties websites, resources, and online services.

Christensen Properties provides real estate information, services, educational resources, and online tools that may relate to:

- Selling real estate

- Buying real estate

- Residential real estate

- Property listings

- Home values and pricing

- Real estate market information

- Real estate investing

- Investment properties

- Real estate financing

- Educational content

- Calculators and analysis tools

- Appointment scheduling

- Website chat and inquiry assistance

- Other real estate-related resources and services

Our websites are intended to help you learn, explore options, request information, use available tools, and communicate with Christensen Properties.

Real estate markets, properties, financing programs, laws, services, and business practices can change. Website information may therefore be updated, revised, corrected, or removed from time to time.

What this section covers: How Christensen Properties provides real estate brokerage services.

Christensen Properties provides real estate marketing, advisory, and brokerage-related services and is powered by Realty One of New Mexico for licensed real estate brokerage services.

Joshua Christensen is a licensed New Mexico Qualifying Broker, NMREC 20522.

Licensed real estate brokerage services are subject to applicable New Mexico laws, regulations, brokerage disclosures, professional obligations, and any written agreements applicable to a particular transaction or client relationship.

Nothing in these Terms replaces or modifies a valid written real estate agreement, disclosure, purchase agreement, listing agreement, buyer agreement, or other transaction document.

What this section covers: The difference between using our website and formally establishing a real estate brokerage relationship.

Simply doing any of the following does not by itself establish a written brokerage representation agreement with Christensen Properties:

- Visiting our website

- Completing a form

- Communicating with our website chat

- Requesting property information

- Requesting a home-value estimate

- Scheduling a meeting

- Downloading a resource

- Using a calculator

- Sending an email

- Asking a real estate question

- Providing your contact information

A formal representation relationship will be established through the appropriate agreements and disclosures when required.

Nothing in this section is intended to eliminate or limit any duties imposed on a real estate broker by applicable law.

What this section covers: Information displayed about properties for sale or other real estate opportunities.

Our websites may display:

- Property listings

- Property photographs

- Property descriptions

- Prices

- Maps

- MLS information

- Property characteristics

- Availability

- Market information

- Other real estate data

Some information may come from Multiple Listing Services, public records, property owners, other brokers, third-party data providers, or other outside sources.

Although we work to provide useful and current information:

- Property information may change

- Prices may change

- A property may become unavailable

- A property may go under contract

- A property may sell

- Listing information may contain errors or omissions

- Third-party information may not update immediately

You should independently verify information that is important to your real estate decision.

Nothing displayed on our website guarantees that a particular property is still available or that every property detail is complete or accurate.

What this section covers: Market reports, statistics, articles, videos, and other information about real estate conditions.

Christensen Properties may provide information regarding:

- Home prices

- Inventory

- Closed sales

- Pending sales

- Days on market

- Market trends

- Mortgage or financing conditions

- Neighborhoods

- Property types

- Investment conditions

- Other real estate market factors

Market information may be based on:

- MLS data

- Public records

- Government sources

- Industry reports

- Third-party data

- Christensen Properties analysis

Real estate conditions can change quickly.

Information provided on our website represents the information available when the content was prepared and should not be interpreted as a guarantee of future market conditions, property values, sales activity, or results.

What this section covers: Estimates or opinions about what a property may be worth.

Christensen Properties may provide:

- Home-value estimates

- Pricing opinions

- Comparative market information

- Comparable-property information

- Preliminary property evaluations

- Other property-value information

Unless specifically identified otherwise, these estimates are not licensed real estate appraisals.

The actual value or selling price of a property may be affected by factors such as:

- Property condition

- Improvements

- Repairs

- Location

- Comparable sales

- Current competition

- Buyer demand

- Financing conditions

- Inspection findings

- Appraisal results

- Negotiations

- Market changes

No online estimate, comparative analysis, market report, or preliminary pricing opinion guarantees the price at which a property will sell.

What this section covers: The limitations of Christensen Properties calculators and other online analysis tools.

Christensen Properties may provide calculators, worksheets, reports, projections, comparisons, and other analysis tools.

These tools are intended for educational and informational purposes and may help you organize information or explore possible real estate scenarios.

Results may depend on:

- Information you enter

- Assumptions built into the tool

- Property information

- Financing assumptions

- Market conditions

- Expenses

- Income

- Holding periods

- Other variables

Calculator and analysis results are estimates only.

They do not guarantee:

- Property value

- Profit

- Cash flow

- Investment returns

- Financing approval

- Loan terms

- Tax consequences

- Future appreciation

- Future income

- Investment performance

- Any particular real estate or financial outcome

You are responsible for reviewing your inputs and deciding whether the assumptions and results are appropriate for your situation.

What this section covers: The limits of articles, videos, guides, calculators, reports, and other educational materials.

Christensen Properties may publish information concerning:

- Real estate

- Property ownership

- Home selling

- Home buying

- Investing

- Financing

- Markets

- Business

- Money

- Other related subjects

Unless expressly stated otherwise, this information is provided for general educational and informational purposes.

It is not intended to replace individualized advice from an appropriately qualified:

- Attorney

- CPA or tax professional

- Accountant

- Financial or investment adviser

- Insurance professional

- Appraiser

- Engineer

- Inspector

- Contractor

- Lender

- Other licensed or qualified professional

You should consult an appropriate professional when your situation requires legal, tax, accounting, financial, investment, construction, insurance, appraisal, lending, or other specialized advice.

What this section covers: Information concerning mortgages, investor financing, private money, and other real estate financing.

Christensen Properties may provide information or resources relating to:

- Real estate financing

- Mortgage financing

- Investor financing

- DSCR loans

- Fix-and-flip financing

- Bridge financing

- Construction financing

- Private-money financing

- Other business-purpose real estate financing

Financing programs, underwriting standards, rates, fees, terms, availability, and eligibility can change.

Nothing on our website constitutes:

- Approval of a loan

- A commitment to lend

- A guarantee of financing

- A guarantee of a particular interest rate

- A guarantee of specific loan terms

- A guarantee that a particular lender or program will approve you

Actual financing may depend on factors including:

- The borrower

- The property

- Credit

- Income

- Cash flow

- Collateral

- Business entity

- Loan purpose

- Loan amount

- Experience

- Underwriting requirements

- The applicable lender or financing program

When financing is provided by an independent lender, broker, financial institution, or other provider, that provider's agreements, disclosures, underwriting requirements, privacy practices, licensing, and terms apply.

What this section covers: How Christensen Properties' AI-assisted website chat should be used.

Christensen Properties may use Conversation AI or another AI-assisted website chat tool to:

- Respond to basic website questions

- Help visitors navigate available information

- Ask questions about the reason for an inquiry

- Collect basic contact information

- Gather general property information

- Help organize or route an inquiry

- Assist with customer service

The Conversation AI may ask for information such as:

- Name

- Email address

- Phone number

- Property information

- General real estate interests

- The reason for your inquiry

AI-generated responses are intended for general information and assistance.

The Conversation AI is not intended to:

- Provide legal advice

- Provide tax advice

- Provide individualized financial advice

- Approve financing

- Make an appraisal

- Make final housing-eligibility decisions

- Establish brokerage representation

- Replace professional judgment from a licensed real estate professional

AI systems can occasionally misunderstand questions, provide incomplete information, or generate inaccurate responses.

If information provided through the website chat is important to a real estate, financial, legal, or other significant decision, you should confirm that information with Christensen Properties personnel or the appropriate qualified professional.

Please do not submit Social Security numbers, passwords, banking credentials, complete financial-account information, or other highly sensitive information through general website chat.

What this section covers: Your responsibility when providing information through Christensen Properties online systems.

Our websites may allow you to submit information through:

- Forms

- Surveys

- Appointment pages

- Calculators

- Website chat

- Questionnaires

- Downloads

- Other online tools

You agree not to knowingly submit false, fraudulent, unlawful, or misleading information.

You are responsible for reviewing information you provide for reasonable accuracy.

Information submitted through these systems may be stored and handled according to our Privacy Policy: https://christensenproperties.com/privacy-policy

What this section covers: Email communications and marketing sent by Christensen Properties.

Christensen Properties uses email as one of its primary communication and marketing channels.

Depending on your interaction with us, emails may include:

- Information you requested

- Appointment information

- Property information

- Market updates

- Home-selling information

- Home-buying information

- Educational content

- Articles

- Videos

- Guides

- Investing information

- Financing information

- Follow-up communications

- Christensen Properties news

- Marketing communications

Commercial email communications are intended to comply with applicable federal email-marketing requirements.

Marketing emails will provide an available unsubscribe method where required.

If you unsubscribe from marketing emails, you may still receive communications reasonably necessary for:

- An appointment

- Information you specifically requested

- An active transaction

- A contractual relationship

- Administrative matters

- Legal or regulatory matters

- Other non-marketing services

Christensen Properties intends to use accurate sender information, non-deceptive subject lines, appropriate business-identification information, and functioning unsubscribe methods in commercial email communications.

What this section covers: How phone numbers may be used under Christensen Properties' current communication practices.

Some forms, surveys, appointment pages, and website-chat conversations may request a phone number.

A phone number may be stored as part of your Christensen Properties contact record.

When appropriate, Christensen Properties personnel may use your phone number for direct person-to-person communication regarding:

- An inquiry

- An appointment

- A property

- Information you requested

- A conversation you initiated

- A real estate transaction

- Another real estate matter you are discussing with us

Christensen Properties does not currently use its website or GoHighLevel systems to automatically enroll visitors in recurring promotional SMS campaigns, automated calling campaigns, or Voice AI calling programs.

Providing your phone number through our website does not by itself enroll you in one of those programs.

If our communication systems materially change in the future, our disclosures and consent practices may be updated before the applicable new practices are implemented.

What this section covers: Christensen Properties' commitment to lawful and nondiscriminatory real estate services.

Christensen Properties is committed to Equal Housing Opportunity.

We provide real estate services in accordance with applicable federal, New Mexico, and local fair housing and anti-discrimination laws.

We do not unlawfully:

- Discriminate

- Steer

- Restrict housing opportunities

- Restrict real estate services

- Establish unlawful housing preferences

based on a characteristic protected by applicable law.

Our website, forms, marketing systems, and AI-assisted tools are intended to support legitimate real estate, communication, marketing, customer-service, and business activities and are not intended to make discriminatory housing decisions.

Nothing in these Terms authorizes conduct prohibited by applicable Fair Housing or anti-discrimination law.

What this section covers: Why Christensen Properties may ask whether you are already represented by another real estate professional.

We may ask whether you are currently represented by another real estate broker or professional.

We may use that information to:

- Understand your situation

- Communicate appropriately

- Respect existing brokerage relationships

- Avoid inappropriate interference or solicitation

- Meet applicable professional and ethical responsibilities

Providing this information does not by itself create a representation agreement with Christensen Properties.

What this section covers: What happens when our website links you to an independent company or service.

Our websites may contain links to or integrations with independent third parties, including:

- Property-search platforms

- MLS or property-data providers

- Lenders

- Mortgage companies

- Title companies

- Inspectors

- Contractors

- Mapping services

- Social media platforms

- Video platforms

- Technology providers

- Other real estate or professional services

Christensen Properties does not control independent third-party websites or services.

Their:

- Content

- Privacy practices

- Security

- Availability

- Products

- Services

- Pricing

- Agreements

- Terms

are generally governed by their own policies.

A link or referral does not necessarily mean Christensen Properties guarantees every statement, service, product, or outcome provided by the independent third party.

What this section covers: Ownership and permitted use of Christensen Properties website content.

Unless otherwise stated, original content created by or for Christensen Properties may be owned by or licensed to Christensen Properties.

This may include:

- Written content

- Branding

- Logos

- Graphics

- Photography

- Videos

- Calculators

- Reports

- Guides

- Downloads

- Website designs

- Educational materials

- Other original content

You may view and use publicly available materials for personal and non-commercial purposes unless otherwise stated.

You may not unlawfully:

- Copy

- Republish

- Sell

- Distribute

- Modify

- Reproduce

- Commercially exploit

protected Christensen Properties content without permission.

Third-party trademarks, MLS information, photographs, data, software, and other materials remain subject to the rights of their respective owners.

What this section covers: Basic rules for using Christensen Properties websites and online systems.

You may not use our websites or systems to:

- Violate applicable law

- Commit fraud

- Misrepresent your identity

- Knowingly provide materially false information

- Attempt unauthorized access to our systems

- Interfere with website security

- Introduce malware or harmful code

- Abuse forms, surveys, or website chat

- Harass or harm another person

- Unlawfully copy or scrape protected information

- Interfere with the operation of our services

- Use our systems for unlawful or deceptive purposes

We may restrict or terminate access when reasonably necessary to protect our websites, technology, business, customers, or other users.

What this section covers: Website errors, maintenance, changes, or interruptions.

We work to keep our websites and online services useful and available.

However, we cannot guarantee uninterrupted or error-free operation.

We may:

- Update content

- Correct errors

- Change features

- Modify services

- Remove resources

- Perform maintenance

- Replace technologies

- Suspend website functionality

when reasonably necessary.

Third-party services and integrations may also become unavailable or change without our control.

What this section covers: Why examples, estimates, projections, and past results should not be treated as guarantees.

Real estate and financial outcomes depend on many factors outside Christensen Properties' control.

Nothing on our website guarantees:

- That a home will sell

- A particular sales price

- A particular time to sell

- A buyer will purchase a property

- A particular investment return

- Rental income

- Property appreciation

- Profit

- Cash flow

- Financing approval

- Interest rates

- Loan terms

- Tax results

- Future market performance

Examples, testimonials, case studies, historical transactions, projections, and calculator results should not be interpreted as guarantees of future results.

What this section covers: Reasonable limitations concerning website information and online resources.

To the extent permitted by applicable law, Christensen Properties websites, general information, educational resources, calculators, tools, and other online materials are provided on an “as is” and “as available” basis.

We do not guarantee that:

- Every website statement will always be complete or error-free

- Every property will remain available

- Market information will remain current

- Every third-party data source will be accurate

- Website technology will always operate without interruption

- AI-generated information will always be accurate

- A calculator will predict actual results

- Any particular real estate or financial outcome will occur

Nothing in these Terms eliminates a responsibility or obligation that cannot lawfully be waived.

What this section covers: Reasonable limits relating to use of general website information and online tools.

To the extent permitted by applicable law, Christensen Properties will not be responsible for indirect, incidental, consequential, special, or similar damages arising solely from your use of or reliance upon:

- General website information

- Educational content

- Calculators

- Estimates

- AI-generated website responses

- Third-party websites

- Website interruptions

- Other general online resources

This provision does not eliminate responsibilities that cannot legally be waived or obligations arising under an applicable written agreement between you and Christensen Properties.

What this section covers: Where to find information about how Christensen Properties handles personal information.

Your use of our websites and submission of personal information are also governed by the Christensen Properties Privacy Policy.

Privacy Policy:

https://christensenproperties.com/privacy-policy

The Privacy Policy explains:

- Information we may collect

- How information may be used

- Conversation AI and website-chat information

- Email marketing

- Contact records

- Service providers

- Real estate transaction information

- Security

- Privacy choices

- Other data-handling practices

What this section covers: How these Terms may change over time.

Christensen Properties may update these Terms to reflect changes in:

- Our websites

- Services

- Business operations

- Technology

- AI tools

- Communication practices

- Legal requirements

- Real estate regulations

When these Terms are revised, the updated version will be posted on this page and the Effective Date will be updated.

Your continued use of our websites after updated Terms are posted will be subject to the revised Terms to the extent permitted by applicable law.

What this section covers: The general legal framework governing these Terms.

These Terms are intended to operate in accordance with applicable federal law and the laws of the State of New Mexico.

Nothing in these Terms is intended to waive, restrict, or eliminate any consumer protection, real estate obligation, disclosure, right, responsibility, or legal requirement that cannot lawfully be waived or limited.

What this section covers: How to contact us with questions about these Terms.

If you have questions regarding these Terms of Use, please contact:

EQUI T SOLUTIONS GROUP LLC DBA Christensen Properties

Albuquerque, New Mexico

Phone: 505-883-9400

Website: www.christensenproperties.com

Privacy Policy:

https://christensenproperties.com/privacy-policy