TERMS OF USE — homeswithtony.net Effective date: 2026-10-23 ======================================== TERMS OF USE — homeswithtony.net ======================================== 1. Acceptance By accessing or using homeswithtony.net ("Homes With Tony", the "Site"), you agree to these Terms of Use and to our Privacy Policy and Cookie Policy. If you do not agree, please do not use the Site. 2. Who operates this site This Site is operated by Phuong Ha, a Licensed Real Estate Associate with KIC Realty, Calgary, Alberta, Canada ("we", "us", "our"). [Note: legal name change to "Tony Ha" in progress — the name here matches the current RECA licence. Update to "Tony Ha" when the name-change certificate arrives — expected late 11/2026.] 3. Purpose of the site The Site provides general information about real estate services in Calgary and surrounding areas of Alberta, property listings, market commentary, and ways to contact us (inquiry forms and appointment booking). Nothing on the Site constitutes legal, tax, financial, or mortgage advice. 4. Listing and market information — for reference only - Property listing information shown on the Site is provided for general reference only. Prices, availability, property details and market statistics may be incomplete, outdated, or inaccurate. Always verify current details with us or the listing brokerage before making any decision. - Market commentary and statistics are general information, not advice or a guarantee of future market performance. - Any third-party listing data displayed on the Site is shown under licence or permission from the listing brokerage; listing content remains the property of its source and must not be copied or redistributed. [CẦN ANH TONY CHỐT: confirm the listing-feed agreement and required attribution before launch.] 5. Real estate services and regulatory notice Real estate services are provided in accordance with Alberta law and the rules of the Real Estate Council of Alberta (RECA). All advertising on this Site identifies the licensee and the brokerage (KIC Realty) as required by RECA. [CẦN ANH TONY CHỐT: confirm the exact licence name to display and any AKA/trade-name registration with RECA for "Homes With Tony".] 6. Intellectual property All content on the Site — including text, photographs, video, graphics, logos and design — is owned by us or our content providers and is protected by copyright and other intellectual property laws. You may view and print pages for personal, non-commercial use only. You may not copy, reproduce, republish, or distribute Site content without our prior written permission. 7. Acceptable use You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to gain unauthorized access to the Site or its systems; (c) submit false or misleading information through our forms; (d) scrape, harvest, or automatically collect listing data or personal information from the Site. 8. Third-party links and embeds The Site may contain links to, or embedded content from, third-party websites and services (for example, our customer relationship management and booking platform, and listing-data providers). We are not responsible for the content, accuracy, or privacy practices of third parties. 9. Limitation of liability To the maximum extent permitted by law, the Site is provided "as is" without warranties of any kind, express or implied. In no event shall we be liable for any indirect, incidental, consequential, special or punitive damages arising from your use of, or inability to use, the Site or from reliance on Site content. Our total liability for any claim arising out of or relating to the Site shall not exceed the amounts you have paid to us in the twelve (12) months preceding the claim. 10. Governing law These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable in Alberta. Any dispute will be resolved in the courts of Calgary, Alberta. 11. Changes We may update these Terms from time to time. The current version will always be posted on the Site with its effective date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. 12. Contact Questions about these Terms: [privacy officer contact — CẦN ANH TONY CHỐT].