Terms of Service

These Terms of Service ("Terms") govern your use of the Equity Shield website located at equityshieldus.com and any related services (collectively, the "Services") provided by [BUSINESS NAME] ("Equity Shield," "we," "us," or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Not Legal, Financial, or Real Estate Advice

Before making any decisions regarding your property, mortgage, or financial situation, you should consult with a qualified attorney, licensed real estate professional, HUD-approved housing counselor, or financial advisor.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use our Services. By using our Services, you represent and warrant that you meet these requirements.

If you are submitting information about a property, you further represent that you are either the property owner or authorized by the property owner to share the information you provide.

3. Description of Services

Equity Shield operates a website where individuals facing potential foreclosure or other property-related challenges can submit information about their situation and request a consultation. After you submit a request, a representative may contact you by phone, text message, or email to discuss options that may be available for your specific situation.

The information you provide is used solely to evaluate and respond to your inquiry. We make no guarantees that we will be able to help with your specific situation, that any particular outcome will be achieved, or that you will qualify for any program, offer, or option discussed.

4. No Guarantees of Outcome

Every foreclosure and property situation is different. Outcomes depend on many factors outside our control, including your specific circumstances, the property, applicable state and federal laws, lender policies, and timing. We make no guarantee that:

• Your foreclosure will be stopped, delayed, or avoided
• You will retain ownership of your home
• Any particular financial outcome will be achieved
• You will qualify for any specific option, program, or offer
• Any past results are indicative of future outcomes

5. Your Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information
• Not impersonate any person or misrepresent your relationship to any property
• Not use our Services for any unlawful or fraudulent purpose
• Not attempt to disrupt, damage, or gain unauthorized access to our website or systems
• Not use automated means (bots, scrapers, etc.) to interact with our website
• Not submit content that is defamatory, harassing, or infringes on any third-party rights

6. Communications and Consent

By submitting your contact information to us, you consent to be contacted by Equity Shield by phone, text message, and email at the contact information you provide. This includes calls and messages that may be made using automated telephone dialing systems or artificial or prerecorded voices.

Message and data rates may apply. Message frequency varies. You may opt out of text messages at any time by replying STOP. For help, reply HELP. See our SMS Terms and Privacy Policy for details.

Your consent to be contacted is not a condition of any purchase or service. You may still contact us by phone at (888) 9-STOPFC without providing consent to receive automated messages.

7. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of Equity Shield or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

The "Equity Shield" name and logo are trademarks. You may not use them without our permission.

8. Third-Party Links and Services

Our website may contain links to third-party websites or references to third-party services. We do not endorse and are not responsible for the content, accuracy, or practices of any third parties. Your interactions with third parties are solely between you and the third party.

9. Disclaimers

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Equity Shield, its owners, officers, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services, whether based on warranty, contract, tort (including negligence), or any other legal theory.

Our total liability for any claim arising out of or related to these Terms or the Services shall not exceed one hundred U.S. dollars ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless Equity Shield and its owners, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or third-party rights; or (d) any information you submit through the Services.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [STATE], without regard to its conflict of laws principles. Any dispute arising out of or related to these Terms or the Services shall be resolved in the state or federal courts located in [STATE], and you consent to the personal jurisdiction of those courts.

13. Equal Opportunity

Equity Shield does not discriminate on the basis of race, color, religion, sex, national origin, familial status, disability, or any other characteristic protected by applicable federal, state, or local law.

14. Changes to These Terms

We may modify these Terms at any time by posting the revised Terms on our website. Changes are effective when posted. Your continued use of the Services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

15. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause and with or without notice.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and SMS Terms, constitute the entire agreement between you and Equity Shield regarding your use of the Services and supersede any prior agreements.

18. Contact Us

If you have questions about these Terms, please contact us: