Last Updated: May 13, 2025
Please read these Terms and Conditions (“Terms”) carefully before using homebuyerstalk.com (the “Site”) operated by Northern Light Publishing (“we,” “us,” or “our”).
1. Agreement to Terms
By accessing HomeBuyersTalk, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the Site.
2. Intellectual Property Rights
a. Our Content
The Site and its original content, features, and functionality are owned by Northern Light Publishing and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
b. Your Use of Our Content
Unless otherwise stated, you may not copy, modify, distribute, sell, or lease any part of our Site or its content without our prior written permission. You may not use any of our trademarks, logos, or other proprietary information without our prior written consent.
c. User Content
By submitting content to our Site, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.
3. User Representations and Warranties
By using our Site, you represent and warrant that:
- You are at least 16 years of age
- You have the legal capacity to enter into these Terms
- You will use the Site in accordance with these Terms
- You will not use the Site for any illegal or unauthorized purpose
- Your use of the Site will not violate any applicable law or regulation
4. Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- Using the Site for any illegal purpose or in violation of any local, state, national, or international law
- Harassing, threatening, or intimidating any person or entity
- Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity
- Interfering with or disrupting the Site or servers or networks connected to the Site
- Attempting to gain unauthorized access to any portion of the Site
- Using any robot, spider, or other automatic device to access the Site
- Introducing any viruses, trojan horses, worms, or other material that is malicious or technologically harmful
- Collecting or tracking the personal information of others
- Infringing the intellectual property rights of others
5. User Accounts
When you create an account with us, you must provide accurate, complete, and current information. You are solely responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.
6. Disclaimer of Warranties
THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NORTHERN LIGHT PUBLISHING, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SITE.
OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL BE LIMITED TO THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS.
8. Indemnification
You agree to defend, indemnify, and hold harmless Northern Light Publishing, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in San Diego County, California.
10. Dispute Resolution
a. Informal Resolution
Before filing a claim against Northern Light Publishing, you agree to attempt to resolve the dispute informally by contacting us at privacy@homebuyerstalk.com. We will attempt to resolve the dispute informally by contacting you via email.
b. Arbitration
If we cannot resolve a dispute informally, any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules.
c. Waiver of Class Actions
ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS.
11. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable.
12. Entire Agreement
These Terms constitute the entire agreement between you and Northern Light Publishing regarding the use of the Site, superseding any prior agreements between you and us relating to your use of the Site.
13. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
14. Contact Us
If you have any questions about these Terms, please contact us at:
Northern Light Publishing
6023 Innovation Way, STE 200
Carlsbad, CA 92009
Email: privacy@homebuyerstalk.com
Website: homebuyerstalk.com