Terms and Conditions
Effective March 13, 2007

Introduction.  The following terms and conditions govern your use of this website (www.Lovesellinghouses.com).  Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions.  If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.   

This website presents information and content that is owned  by Ruth Martinez Realtor of  Prudential California. and its subsidiaries and affiliates ("Prudential Financial").  When used in these Terms and Conditions, "we" and "our" mean Prudential Financial and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Additional Terms.  Ruth Martinez offers products and services available through portions of this website and other Prudential Financial websites.  These terms and conditions apply only to your use of this website and Content, and they do not apply to your use of any products or services offered by Ruth Martinez.  We may have established or will establish additional or different terms and conditions for certain products and services.  In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by public authorities.  You agree to review all applicable terms and conditions relating to Prudential Financial products and services.  In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions shall govern and control.  Further, if you have a policy or account with Prudential Financial, your customer relationship is also governed by other agreements, such as your policy or account agreement, as applicable.  In the event of any conflict between the terms and conditions on this website and such policy or account agreements, your policy and account agreements shall govern and control.

Do Not Rely on This Website for Your Financial Decisions.  The Content on this website is for convenience and information purposes only.  You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions.  Nothing on this website  constitutes an offer to sell or buy any product.  Account information available on this website is not the official record of your account.  Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice.  The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Ownership and Use of Content.  All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Ruth Martinez.  The Content is protected worldwide by applicable intellectual property laws.   You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices.  Ruth Martinez reserves the right to terminate at any time your right to make personal copies of Content.  You must obtain Ruth Martinez prior written consent (if we agree) before you use the Content on any other website or in a networked computer environment for any purpose, or before you republish or redistribute  the Content, or otherwise use the Content for any purpose other than your personal, non-commercial use.  You may not frame the Content within another website.  Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

Availability.  Not all of the products or services described on this website are available in all areas of the United States and/or you may not be eligible for them.  We reserve the right to determine eligibility. 

Your Responsibility for Security.  Ruth Martinez nor Prudential Financial assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content.  If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing virus protection software. 

NO LIABILITY.  Neither Ruth Martinez nor, Prudential California, nor any other party involved in creating, producing, or delivering this website or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this website or any Content.

Additional Information. All information, other than personal information subject to Ruth Martinez Internet Privacy Policy, submitted to Prudential Financial through this website or any related Prudential Financial website is the property of Prudential Financial. Prudential Financial is free to use any ideas, concepts, know-how  or techniques that you may submit to Prudential Financial through this website for any purpose, including but not limited to, improving our services.  We are not subject to any obligations of confidentiality regarding any submitted information except as specified in Prudential Financial's Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Changes.  Ruth Martinez reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice.  The changes may include superseding terms and conditions or specific notices.  YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE.  Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Privacy You may review Prudential Financial's Internet Privacy Policy at http://www.prudential.com/privacy/.

Children.  This website does not intend to market any Prudential Financial products or services to children under thirteen (13) years of age.  Prudential Financial does not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not under thirteen (13) years of age.

 

Email ruth@lovesellinghouses.com

 

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