Terms of Use

Last updated: 9/5/2025

These Terms apply to the websites operated by Your Personal Broker, LLC, its subsidiaries, affiliates, directors, officers, employees, and agents (collectively referred to as “Your Personal Broker”). These Terms govern your access to and use of our websites, apps, and other technologies on which these Terms reside (each a “Site” and, collectively, the “Sites”), and any features, programs, products, and services offered on or in connection with them (collectively with the Sites, the “Services”). These Terms set forth a legally binding agreement between you and Your Personal Broker. Throughout the site, the terms “we”, “us” and “our” refer to Your Personal Broker.

Please read these Terms carefully before using the Services. By accessing or using the Services you agree to be bound by these Terms and all the terms and policies incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Services. Your use of the any Service constitutes your acknowledgement that you have the legal authority to bind yourself or any party you represent to, and your acceptance of, these Terms.

Note that Section 14 of these Terms contains a mandatory arbitration provision that requires Your Personal Broker and you to use binding arbitration on an individual basis and limits the remedies available to Your Personal Broker and you in the event of certain disputes. By agreeing to these Terms, Your Personal Broker and you are giving up our rights to bring our disputes before a jury or as a member of a class action.

1. Changes to these Terms

Your Personal Broker reserves the right to change or modify these Terms at any time and in our sole discretion. If we make material changes to these Terms, we will provide notice of such changes, such as by sending you an email notification or providing notice through the Sites. By continuing to access or use the Services in any way after such notice has been provided, you confirm your acceptance of the revised Terms and all the terms and policies incorporated therein by reference. We encourage you to review the Terms frequently to ensure that you understand the terms and conditions that apply when you access or use the Services. If you do not agree to the revised Terms, you are free to reject them and will not be able to access or use the Services.

2. Eligibility

The Services are not targeted toward or intended for use by anyone under the age of 16. By using the Services, you represent and warrant that you (a) are 16 years of age or older, (b) have not been previously suspended or removed from the Services, or engaged in any activity that could result in suspension or removal from the Services, and (c) have full power and authority to enter into these Terms and in so doing will not violate any other agreement to which you are a party.

3. Ownership of the Sites and Services

The Sites, and any Services performed, provided, or enabled by or through the Sites, including all Content (defined below) contained on the Sites is owned, controlled, or licensed by or to Your Personal Broker, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. The unauthorized copying, displaying, selling, distributing, or other use of any Content is a violation of the law. Except as expressly provided herein, you are not permitted to copy, reproduce, republish, upload, post, publicly display, transmit or distribute any Content to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Your Personal Broker’s express prior written consent. Permission is granted to electronically copy and to print in hard copy portions of the Content solely for your personal, non-commercial, and non-competitive, use. Any other use of Content without the prior written permission of Your Personal Broker is strictly prohibited. “Content” means all content and materials contained within the Services, including without limitation, the Your Personal Broker logos and all designs, text, graphics, pictures, information, data, software, sound files, other files and the selection and arrangement thereof.

4. No Affiliation with Regulatory Bodies; Not Legal Advice

Your Personal Broker is not affiliated with, or endorsed by, the California Department of Real Estate (DRE), the California Association of REALTORS (C.A.R.), the National Association of REALTORS (NAR), or any other governmental or trade association. Any references to C.A.R. standard forms are provided solely for informational purposes. You are encouraged to consult official C.A.R. resources or your supervising broker for C.A.R. standard form access and guidance.

Services and Content offered through the Sites are designed to support professional development and are not intended to be or replace legal advice.

5. Your License to Use Our Services

Your Personal Broker grants you a limited, nonexclusive, non-transferrable, revocable license to use portions of the Services solely for your own private, non-commercial purposes only and solely in accordance with these Terms. Unless explicitly stated by us, nothing in these Terms shall be construed as conferring any right or license to any patent, trademark, copyright, or other proprietary rights of Your Personal Broker or any third party, whether by estoppel, implication or otherwise. This license is revocable at any time. Notwithstanding anything to the contrary in these Terms, the Services and Content may include software components provided by Your Personal Broker or a third party that are subject to separate license terms, in which case those license terms will govern such software components. You acknowledge that any reliance on the Services or any Content will be at your own risk. You expressly agree that you will use the Services and Content only for the purposes permitted herein, that all information you submit is accurate and otherwise complies with these Terms, and that you will promptly notify Your Personal Broker if any of your information changes. Your Personal Broker makes no representation that the Services or Content is appropriate or available for use in particular locations.

6. Acceptable Use of the Services

Your use of our Services is subject to restrictions intended to protect the rights of Your Personal Broker and others. You may not use the Services or any Content for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes the rights of Your Personal Broker or others. You also agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of the Services or with any other person’s use of the Services. You agree that you will not violate any law, contract, intellectual property or other third party right or commit a tort, and that you are solely responsible for your conduct, while accessing or using the Services.

You agree that you will abide by these Terms and will not:

Engage in any harassing, threatening, intimidating, predatory or doxing conduct.

use or attempt to use another account without authorization from the account administrator and Your Personal Broker.

use the Services in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying the Services or that could damage, disable, overburden, or impair the functioning of the Services in any manner.

reverse engineer any aspect of the Services or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any Content.

attempt to circumvent any content-filtering techniques we employ or attempt to access any feature or area of the Services that you are not authorized to access.

develop any third-party applications that interact with the Services without our prior written consent; use any robot, spider, crawler, scraper, script, browser extension, offline reader or other automated means or interface not authorized by us to access the Services, extract data, or otherwise interfere with or modify the rendering of Site pages or functionality; or

bypass or ignore instructions contained in the robots.txt file which controls all automated access to the Services.

Your Personal Broker reserves the right to bar and/or prevent any prohibited use of the Site.

7. Communication Preferences

By providing your email address on the Sites, you also consent to receive electronic communications from Your Personal Broker (e.g., via email or by posting notices to the Sites). These communications are part of your relationship with us. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing. You should maintain copies of electronic communications from us by printing a paper copy or saving an electronic copy. We may also send you promotional communications via email, including, but not limited to, newsletters, special offers, surveys and other news and information we think will be of interest to you. You may opt out of receiving these promotional emails at any time by following the unsubscribe instructions provided therein.

8. User-Submitted Content/Feedback

By displaying, publishing, or otherwise posting any questions, comments, suggestions, ideas, original or creative materials or other content (“Feedback”) on or through the Services and/or providing Your Personal Broker with any Feedback, you hereby grant Your Personal Broker a non-exclusive, sub-licensable, worldwide, fully-paid, royalty free license to use, modify, publicly perform, publicly display, reproduce, and distribute such Feedback in any and all media now known or hereinafter developed without the requirement to make payment to you or to any third party or the need to seek any third party permission. Feedback is non-confidential and shall become the sole property of Your Personal Broker. You represent and warrant that you have the right to grant the license set forth herein, and the displaying, publishing, or posting of any content you submit, and our use thereof does not and will not violate the privacy rights, publicity rights, copyrights, trademark rights, patents, contract rights or any other intellectual property rights or other rights of any person or entity.

9. Trademarks

All marks, service names, logos or slogans that may appear on the Services are trademarks of Your Personal Broker and may not be copied, imitated, or used, in whole or in part, without our prior written permission, in each instance. In addition, the look and feel of the Services, constitute the service mark, trademark, or trade dress of Your Personal Broker and may not be copied, imitated, or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned on the Services are the property of their respective owners and may not be copied, imitated, or used, in whole or in part, without the permission of the applicable trademark holder. Reference to any Services, processes or other information by name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by Your Personal Broker.

10. Third-Party Content and Links

We may display content, advertisements, and promotions from, and links to third parties through the Services (collectively, “Third Party Content”). We do not control, endorse, or adopt any Third-Party Content, and we make no representations or warranties of any kind regarding such Third-Party Content, including accuracy or completeness. You acknowledge and agree that your interactions with third parties providing Third-Party Content are solely between you and such third parties, and that Your Personal Broker is not responsible or liable in any manner for such interactions or Third-Party Content.

11. AI Tools

As part of the Services, you may receive access to AI Tools, and may provide Input to the AI Tools and receive Output. You are solely responsible for your Inputs, Outputs, and use thereof. Your use of AI Tools and features is subject to the AI Tools Usage Terms.

12. Disclaimer of Warranties

THE SERVICES, AND ALL SITES, CONTENT, MATERIALS, PRODUCTS, SERVICES, FUNCTIONALITY, AND OTHER ITEMS INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SERVICES, ARE PROVIDED BY YOUR PERSONAL BROKER ON AN “AS IS” AND “AS AVAILABLE” BASIS. NO YOUR PERSONAL BROKER PARTY (DEFINED BELOW) MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES, SITES, OR THE CONTENT, MATERIALS, PRODUCTS, SERVICES, FUNCTIONALITY, OR OTHER ITEMS INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE YOUR PERSONAL BROKER PARTIES DISCLAIM ALL WARRANTIES, EXPRESS, STATUTORY OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, THE YOUR PERSONAL BROKER PARTIES DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, FOR ANY MERCHANDISE OFFERED. YOU ACKNOWLEDGE THAT, TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THIS DISCLAIMER CONSTITUTES AN ESSENTIAL PART OF THESE TERMS OF USE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE SERVICES AND AGREE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THE SERVICES MAY NOT BE SECURE AND MAY BE INTERCEPTED OR OTHERWISE ACCESSED BY UNAUTHORIZED PARTIES. YOU AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NO YOUR PERSONAL BROKER PARTY IS RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOUR PROPERTY OR DATA THAT RESULTS FROM ANY MATERIALS YOU ACCESS OR DOWNLOAD FROM THE SERVICES. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnity

To the fullest extent permitted by applicable law, you agree to indemnify, defend and hold harmless Your Personal Broker, and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (individually and collectively, the “Your Personal Broker Parties”), from and against all actual or alleged Your Personal Broker Parties or third party claims, damages, awards, judgments, losses, liabilities, obligations, penalties, interest, fees, expenses (including, without limitation, attorneys’ fees and expenses) and costs (including, without limitation, court costs, costs of settlement and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether known or unknown, foreseen or unforeseen, matured or not matured, or suspected or unsuspected, in law or equity, whether in tort, contract or otherwise (collectively, “Claims”), including, but not limited to, damages to property or personal injury, that are caused by, arise out of or are related to (a) your use or misuse of the Services or Content, (b) any Feedback you provide, (c) your violation of these Terms, (d) your violation of the rights of another, (e) any third party’s use or misuse of the Services provided to you and (f) any User Content you create, post, share or store on or through the Services or our pages or feeds on third party social media platforms. You agree to promptly notify Your Personal Broker of any third-party Claims and cooperate with the Your Personal Broker Parties in defending such Claims. You further agree that the Your Personal Broker Parties shall have control of the defense or settlement of any third-party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Your Personal Broker.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANY YOUR PERSONAL BROKER PARTIES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE, INCOME OR PROFITS, LOSS OF USE OR DATA, LOSS OR DIMINUTION IN VALUE OF ASSETS OR SECURITIES, OR DAMAGES FOR BUSINESS INTERRUPTION) ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS OR USE OF THE SERVICES OR CONTENT, OR OTHERWISE RELATED TO THESE TERMS (INCLUDING, BUT NOT LIMITED TO, ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY ANY USER ON ANY INFORMATION OBTAINED FROM YOUR PERSONAL BROKER, OR FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETIONS OF FILES OR EMAILS, ERRORS, DEFECTS, BUGS, VIRUSES, TROJAN HORSES, 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 YOUR PERSONAL BROKER’S RECORDS, PROGRAMS OR SYSTEMS), REGARDLESS OF THE FORM OF ACTION, WHETHER BASED IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, SIMPLE NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), STRICT PRODUCT LIABILITY OR ANY OTHER LEGAL OR EQUITABLE THEORY (EVEN IF THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE).

SUBJECT TO THE FOREGOING, TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, NO YOUR PERSONAL BROKER PARTY WILL BE LIABLE FOR ANY DAMAGES IN EXCESS OF FIFTY (50) U.S. DOLLARS.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. Some jurisdictions also limit disclaimers or limitations of liability for personal injury from consumer products, so this limitation may not apply to personal injury claims.

15. Binding Arbitration

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOUR PERSONAL BROKER AND YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOUR PERSONAL BROKER AND YOU CAN SEEK RELIEF UNDER THESE TERMS. IN PARTICULAR, YOUR PERSONAL BROKER AND YOU AGREE TO GIVE UP OUR RIGHTS TO BRING CERTAIN DISPUTES BEFORE A JURY OR RESOLVE CERTAIN CLAIMS IN COURT OR AS A MEMBER OF A CLASS PROCEEDING.

15.1 Binding Arbitration. For any dispute arising out of or related to these Terms or the Services or Content, except for disputes in which either party seeks to bring an individual action in small claims court or seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, including, without limitation, copyrights, trademarks, trade names, logos, trade secrets or patents (each, a “Dispute”), to the extent permitted by applicable law, you and Your Personal Broker agree (a) to waive your and Your Personal Broker’s respective rights to have any and all Disputes resolved in a court, and (b) to waive your and Your Personal Broker’s respective rights to a jury trial. Instead, you and Your Personal Broker agree to arbitrate Disputes through binding arbitration. Arbitration is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court.

15.2. No Class Arbitrations, Class Actions, or Representative Actions. To the extent permitted by applicable law, you and Your Personal Broker agree that any Dispute is personal to you and Your Personal Broker and that any Dispute will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action, or any other type of representative proceeding. To the extent permitted by applicable law, you and Your Personal Broker agree that there will be no class arbitration or arbitration in which an individual attempts to resolve a Dispute as a representative of another individual or group of individuals.

15.3. Federal Arbitration Act. You and Your Personal Broker agree that these Terms affect interstate commerce and that the enforceability of this Section 14 shall be both substantively and procedurally governed by and construed and enforced in accordance with the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (the “FAA”), to the maximum extent permitted by applicable law.

15.4. Notice; Informal Dispute Resolution. You and Your Personal Broker agree that each party will notify the other party in writing of any Dispute or any small claims dispute within thirty (30) days of the date it arises, so that the parties can attempt in good faith to resolve the Dispute or small claims dispute informally. Notice to Your Personal Broker shall be sent by certified mail or courier to 1255 W Colton Ave #579 Redlands, CA 92374. Your notice must include (a) your name, postal address, telephone number, and an email address at which you can be contacted, (b) a description in reasonable detail of the nature or basis of the Dispute or small claims dispute, and (c) the specific relief that you are seeking. Our notice to you will be sent to the address we have on file for you, and will include (x) our name, postal address, telephone number and an email address at which we can be contacted with respect to the Dispute or small claims dispute, (y) a description in reasonable detail of the nature or basis of the Dispute or small claims dispute, and (z) the specific relief that we are seeking. If you and Your Personal Broker cannot agree how to resolve the Dispute or small claims dispute within thirty (30) days after the date notice is received by the applicable party, then either you or Your Personal Broker may, as appropriate and in accordance with this Section 14, commence an arbitration proceeding or, to the extent specifically provided for in Section 14.1 ("Binding Arbitration" paragraph above), file a claim in court.

15.5. Process. You and Your Personal Broker agree that any Dispute or small claims dispute must be commenced or filed by you or Your Personal Broker within one (1) year of the date the Dispute or small claims dispute arose, otherwise the underlying claim is permanently barred (which means that you and Your Personal Broker will no longer have the right to assert such claim regarding the Dispute or small claims dispute). You and Your Personal Broker agree that (a) the arbitration will be conducted in the county where you reside, (b) arbitration will be administered by JAMS in accordance with the Comprehensive Arbitration Rules and Procedures (the "JAMS Rules") then in effect, except as modified by this Section 14. (The JAMS Rules are available at http://www.jamsadr.com/rules-comprehensive-arbitration/ or by calling JAMS at 1-800-352-5267), and (c) that the state or federal courts of the State of California and the United States, respectively, sitting in the State of California, Orange County, have exclusive jurisdiction over any appeals and the enforcement of an arbitration award. You may also litigate a small claims dispute in the small claims court located in the county of your billing address if the small claims dispute meets the requirements to be heard in that small claims court.

15.6. Authority of Arbitrator. As limited by the FAA, these Terms and the JAMS Rules referenced above, the arbitrator will have (a) the exclusive authority and jurisdiction to make all procedural and substantive decisions regarding a Dispute, including the determination of the scope of this arbitration agreement and whether a Dispute is arbitrable, and (b) the authority to grant any remedy that would otherwise be available in court; provided, however, that the arbitrator does not have the authority to conduct a class arbitration or a representative action, which is prohibited by these Terms. The arbitrator may only conduct an individual arbitration and may not consolidate more than one individual’s claims, preside over any type of class or representative proceeding or preside over any proceeding involving more than one individual. The FAA will govern the interpretation and enforcement of this Section 14. To the extent there are any conflicts between the JAMS Rules and these Terms, the Terms will control.

15.7. Severability. If any term, clause or provision of this Section 14 is held invalid or unenforceable, it will be so held to the minimum extent required by law, and all other terms, clauses and provisions of this Section 14 will remain valid and enforceable. Further, the waivers set forth in this Section 14 are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by applicable law.

16. Governing Law and Venue

You agree that all matters relating to your access to or use of the Sites, the Services, and the Your Personal Broker Privacy Policy, including all disputes, will be governed by the laws of the United States and by the laws of the State of California without regard to its conflicts of laws provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Orange County, California, and waive any objection to such jurisdiction or venue. Any Dispute between the parties that is not subject to arbitration or cannot be heard in small claims court pursuant to Section 14 must be brought within one (1) year after the Dispute arises, or the legal claim or cause of action arising from the Dispute is barred.

17. Miscellaneous Terms

17.1. Assignment. You may not assign any of your rights or delegate any of your obligations provided under these Terms without our prior written consent. Any purported assignment or delegation in violation of this Section is null and void. No assignment or delegation relieves you of any of your obligations under these Terms. Your Personal Broker may assign its rights and obligations hereunder, in whole or in part, to any of its affiliates or to a third without your consent, or for any other reason in connection with the operation of its business at any time without notice.

17.2. No Waivers. The failure by us to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any right or provision will be effective only if in writing and signed by a duly authorized representative of Your Personal Broker.

17.3. Entire Agreement. Except as otherwise agreed in writing by amendment, addendum or subsequent agreement, these Terms will be deemed the final and integrated agreement between you and us on the matters contained in these Terms. Other terms or conditions, policies, or rules that are incorporated herein by references shall be considered part of these Terms and our agreement.

17.4. Severability. If any provision of these Terms is held to be invalid by any law, rule, order, or regulation of any government or by the final determination of any state or federal court, such invalidity shall not affect the enforceability of any other provision of these Terms. If any provision of these Terms shall be illegal or otherwise unenforceable, such provision shall be severed, and the remainder of these Terms shall continue in full force and effect.

17.5. Electronic Signature. You acknowledge and agree that your use of the Services may involve you providing an “electronic signature” indicating your desire to use the Sites and our Services. Your electronic signature indicates your acceptance of these Terms and formation of our agreement, and your consent to receive communications about this agreement electronically. If you wish to receive communications in another manner, you may contact Your Personal Broker at support@yourpersonalbroker.com to change your communication preferences.

17.6. No Export. You may not use or otherwise export or re-export the Sites except as authorized by United States law and the laws of the jurisdiction in which the Sites was obtained. In particular, but without limitation, the Sites may not be exported or re-exported (a) into any U.S. Embargoed Countries, or that has been designated by the U.S. Government as a “terrorist supporting country” or (b) to anyone on the U.S. Treasury Department’s list of specially designated nationals or the U.S. Department of commerce denied person’s list or entity list. By using the Sites, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use the Sites for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture, or production of nuclear, missiles, or chemical or biological weapons.

17.7. Relationship of the Parties. Both you and Your Personal Broker acknowledge and agree that no partnership is formed and neither of you nor Your Personal Broker has the power or the authority to obligate or bind the other.

17.8. Privacy. On certain areas of the Sites, you may be given the ability to provide personal information. Please read Your Personal Broker’s Privacy Policy; for more information about Your Personal Broker’s information collection and use practices. By using the Services, including by providing personal information through them, you agree to the collection, use, disclosure, and other processing of your personal information as described in our Privacy Policy.

17.9. Force Majeure Event. The failure of Your Personal Broker to comply with these Terms because of an act of god, war, fire, riot, terrorism, earthquake, actions of federal, state, territorial, or local governmental authorities, or for any other reason beyond the reasonable control of Your Personal Broker, shall not be deemed a breach of our agreement.

17.10. Updates to Terms and Services. From time-to-time Your Personal Broker may update the Services and these Terms. Your use of the Services after Your Personal Broker posts changes to these Terms constitutes your agreement to those changes effective from the date of such changes. Your Personal Broker reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Sites and/or Services, or any portion of them, for any reason; (2) to modify or change the Services, or any portion of the Sites, and any applicable policies or terms including these Terms; and (3) to interrupt the operation of the Services, or any portion of the Services, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

In the event of a complaint or concern regarding these Terms, our Services, or for more information, please contact Your Personal Broker at support@yourpersonalbroker.com or at the following address: 1255 W Colton Ave #579, Redlands, CA 92374.

AI Tools Usage Terms

The Services include artificial intelligence (“AI”) powered products or features that utilize Your Personal Broker’s proprietary machine learning technology or third-party AI companies’ technology (“AI Tools”), which are governed by the terms set out below. In the event of a conflict between the Terms and these AI Tools Usage Terms, the AI Tools Usage Terms will control to the extent of such conflict. A violation of these AI Tools Usage Terms is a violation of the Terms. Capitalized terms not defined herein have the meaning given to them in the Terms. Your Personal Broker reserve the right to update these AI Tools Usage Terms from time to time.

1. Input and Output. Any data, prompts, content, and information (in any format) submitted to the AI Tools by you (“Input”), and any results, data, content, and information (in any format) generated and returned by the AI Tools based on such Input (“Output”) is subject to the rights, restrictions and obligations applicable under the Terms. You will only provide and/or instruct Your Personal Broker to use Input and Output where you are authorized to provide such content to Your Personal Broker.

2. Restrictions. You are prohibited from using AI Tools for any of the following:

2.1. Providing misleading content or information (including misleading anyone that content generated from the AI Tools is human-generated or not machine-generated);

2.2. Providing advice or opinions which you are not qualified to render, e.g., medical, legal, or financial advice or opinions.

2.3. Generating spam, ransomware, keyloggers, viruses, or other software;

2.4. Generating nudity or shocking content including obscene gestures, bodily fluids, or other profane subjects;

2.5. Implementing fully automated decision-making;

2.6. Engaging in activities which would otherwise violate applicable laws or the property or civil rights of any person;

2.7. Developing any models that compete with Your Personal Broker;

2.8. Using any method to extract data, or infer information, from AI Tools or otherwise attempt to discover underlying components of the AI Tools, except to the extent such restrictions are contrary to applicable law;

2.9. Submitting, disclosing, collecting, gathering, inferring, or otherwise processing sensitive personal data (including but not limited to data that reveals racial or ethnic origin, immigration status, political opinions, religious or philosophical beliefs, or trade union membership, personal information of a minor, health data, or data concerning an individual’s sex life or sexual orientation).

3. Your Responsibility. You are responsible for Input as well as the resulting Output. You may use Output for any legal purpose, provided that such use complies with the Terms and these AI Tools Usage Terms. Your use of any Output is at your own risk.

4. Accuracy. The Output produced by the AI Tools is generated through artificial intelligence and has not been independently verified by Your Personal Broker. The Output does not reflect Your Personal Broker’s views or opinions. Your Personal Broker makes no representations, warranties, or assurances, and provides no indemnities, regarding the accuracy, completeness, or reliability of the Output, and assumes no liability or responsibility for any use of the Output by you, nor for any errors or omissions it may contain. Do not rely, or encourage others to rely, on any Output without independently evaluating its accuracy and appropriateness of use, including, without limitation, by using human review. The AI Tools and Output are not intended to substitute the services of properly trained and licensed individuals. If any of your Input or Output is alleged to be unlawful or in violation of the Terms, including these AI Tools Usage Terms you acknowledge that Your Personal Broker may disclose such content to law enforcement, governmental authorities, or in response to a legal order.

5. Usage Limits. Your Personal Broker may monitor and limit or suspend your use of AI Tools if Your Personal Broker believes your usage may bypass or circumvent any rate limits (if applicable); negatively affect the security, performance, integrity, or commercial viability of any Services; violate the Terms, or otherwise imposes liability on Your Personal Broker.

6. AI Technology Providers. Some AI Tools may be provided by third-party service providers. You acknowledge that any Input provided, including any personal information included within that Input, will be shared with third-party service providers engaged to enable functionality within the Service. By using the AI Tools, you direct and consent to personal information you include in an Input being transferred to such third parties. Your Personal Broker’s third-party service provider may also use your data to improve their services. This may include any personal information you chooses to include within such Input, and you acknowledge that the third-party service providers’ privacy policy⁠ applies to the handling of such personal information.