As a condition of using the Smart Consumer Services site, users agree to the following rules, terms, and understandings.

1. All other trademarks, service marks, and registrations on this site are the property of their respective owners.

2. Material in this collection reflects the views of Smart Consumer Services only, and not any other individuals, organizations, or Web site hosts.

3. Reproduction of materials included in this collection, in whole or in part, without the express written permission of Smart Consumer Services is strictly forbidden.

4. Equal Housing Opportunity. This site strongly supports efforts to make property, financing, and realty services available to all. Users should be aware that the federal Fair Housing Act makes it illegal to advertise "any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation, or discrimination." In addition, discrimination resulting from other factors may be banned by state and local law.

5. Smart Consumer Services is NOT responsible for the content of any site linked to this site. Individuals cruise the WEB and related services at their own risk. Site contents reflect the views and opinions of individual site developers and are not necessarily the views and opinions of Smart Consumer Services.

6. Note that in a manner similar to bookstore and library collections, online material may originate from other countries, that given sites may contain material objectionable to individuals, and that parental control and oversight are strongly advised when minors access online locations and services. Individuals should also be aware that electronic viruses and other hazards may exist on the WEB and related services.

7. As always with real estate, if you see something you wish to consider for purchase, sale, renting, financing, or refinancing, be certain to protect your interests: Do NOT sign anything without professional assistance from a broker, attorney, home inspector, tax authority, or other professionals as appropriate.

8. Portions of this site have been provided by web designer Peter G. Miller and are used with permission.

9. Some images copyright www.arttoday.com.

10. If we receive e-mail from you, such e-mail becomes our property upon receipt and we reserve the right to retain your e-mail address for use as we wish. That said, in general we will respond to e-mail as and if appropriate or, in some cases, forward such mail to someone better able to provide information and assistance.

11. Smart Consumer Services has attempted to provide accurate and authoritative information in regard to the subject matter covered. Such postings are made with the understanding that Smart Consumer Services is NOT engaged in rendering legal, accounting, or other professional services. If legal advice or other expert assistance is required, the services of a competent professional person should be sought." (Adopted, with modifications, from a Declaration of Principles jointly adopted by a Committee of the American Bar Association and a Committee of Publishers.)

12. Smart Consumer Services reserves the right to change these rules at any time and without notice.