This website is provided as a free resource for visitors. By accessing and using this site, you agree to comply with and be bound by the following Terms of Service. If you do not agree to these terms, please discontinue use of this site immediately. TCPA and Registration Terms If you choose to register on this website, you consent to receive autodialed or pre-recorded telemarketing calls and/or text messages at the phone number you provide. These communications may come from Tirzah DeCaria or affiliated lenders and service providers, and may be delivered using automated dialing systems, prerecorded messages, or SMS. Standard message and data rates may apply. You certify that the phone number you provide is accurate and belongs to you. If your number changes, you agree to notify us promptly. If you wish to opt out of receiving phone calls, texts, or emails, please contact us at tirzah.decaria@compass.com with your request. Acceptance of Agreement By using this site, you agree to the terms outlined in this Terms of Service Agreement (“Agreement”). This Agreement is the complete and exclusive understanding between you and Tirzah DeCaria, and it replaces all prior agreements or communications. We reserve the right to update or modify this Agreement at any time. Updates will be posted on this site, and continued use indicates acceptance of any changes. Copyright All content, graphics, organization, design, and other elements of this site are protected by copyright and intellectual property laws. You may not reproduce, distribute, or modify any content without prior written permission. Deletion and Modification We reserve the right to remove, edit, or modify any content on this site, including these Terms, at our discretion. Indemnification You agree to indemnify, defend, and hold harmless Tirzah DeCaria, her agents, and representatives from any claims, damages, or expenses arising from your use of this site or your violation of these Terms. Disclaimer This site, along with all related content, services, and communications, is provided “as is” and “as available.” All warranties, whether express or implied, are disclaimed. We are not responsible for interruptions, errors, data loss, or any damages, including loss of business, revenue, or profits. Limits of Liability We are not liable for damages caused by viruses or issues from files downloaded through this site. Use of this site is at your own risk. Third-Party Websites This site may contain links to third-party websites. These websites are not reviewed, controlled, or endorsed by us, and we are not responsible for their content or policies. Accessing third-party sites is at your own risk. Third-Party Products and Services We may share your information with trusted affiliates or service partners (such as mortgage brokers) only if you specifically request or consent to such services. Submissions Any ideas, suggestions, or feedback submitted through this site become the property of Tirzah DeCaria and may be used without obligation or compensation. Canadian Visitors By registering on this site, you consent to receive communications by phone, text, or email, which may include automated messages. Consent is not required to purchase goods or services. Standard message and data rates may apply. You may withdraw consent at any time. General This Agreement is governed by the laws of the Commonwealth of Pennsylvania. Any disputes must be resolved in courts located in Allegheny County, Pennsylvania. By using this site, you consent to this jurisdiction and waive objections regarding venue. GDPR Compliance This site is intended for U.S. residents. If you are an EU resident, you acknowledge and consent to the collection and processing of personal data as necessary to use the site. Do not submit personal data of EU residents without proper consent. Contact Information If you have any questions about these Terms of Service, your rights as a user, or how your information may be used, please contact: Tirzah DeCaria 6425 Living Pl, Suite 105 Pittsburgh, PA 15206 Email: tirzah.decaria@compass.com Phone: (412) 888-7048