Terms of Service

1. Acceptance of Terms

Welcome to scottteamnj.com (the "Site"), operated by Julius Scott and Jennifer Scott, licensed real estate salespersons affiliated with Coldwell Banker Realty (collectively, "The Scott Team," "we," "us," or "our"). By accessing or using this Site, you ("you" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

2. Description of Services

This Site is an informational resource for individuals interested in buying, selling, or learning about real estate in New Jersey, with a focus on Essex County and the surrounding areas. The Site provides:

• General real estate information and educational blog content
• Mortgage calculator tools for educational estimation purposes
• Downloadable guides and resources (e.g., buyer's guides, commuter guides)
• Lead-capture forms allowing you to request information, home valuations, or consultations
• Links to external property search platforms

No real estate transactions, financial transactions, or binding agreements are conducted through this Site. The Site does not facilitate the purchase, sale, lease, or financing of any property. Any engagement for real estate services will be governed by separate written agreements executed between you and the appropriate parties.

3. Not Legal, Financial, or Tax Advice

All content on this Site, including but not limited to blog articles, guides, calculators, and general market commentary, is provided for informational and educational purposes only. Nothing on this Site constitutes legal advice, financial advice, tax advice, or any other form of professional counsel.

You should consult with qualified professionals — including licensed attorneys, certified public accountants, financial advisors, and mortgage lenders — before making any real estate, financial, or legal decisions. The Scott Team and Coldwell Banker Realty disclaim all liability for any actions taken or not taken based on the content of this Site.

4. Mortgage Calculator Disclaimer

The mortgage calculators provided on this Site are educational tools designed to provide general estimates only. The results generated by these calculators are approximations and should not be relied upon as actual mortgage quotes, pre-approvals, or commitments to lend.

Calculator results do not account for all variables that may affect your actual mortgage payment, including but not limited to: your credit score, debt-to-income ratio, specific lender requirements, private mortgage insurance (PMI) rates, homeowners association (HOA) fees, actual property tax assessments, or current interest rate fluctuations.

The Scott Team is not a mortgage lender, mortgage broker, or financial institution. For accurate mortgage information and pre-approval, you must consult directly with a licensed mortgage lender or financial institution. We are happy to provide referrals to trusted lending professionals upon request.

5. Property Information and MLS Data Disclaimer

Property listings, market data, pricing information, and related content displayed on or linked from this Site may be sourced from Multiple Listing Service (MLS) databases, public records, and other third-party sources. While we strive to present accurate and up-to-date information, we do not warrant or guarantee the accuracy, completeness, timeliness, or reliability of any property data.

MLS data may be subject to delays, errors, or omissions. Property details such as square footage, lot size, room counts, tax amounts, and listing status may change without notice. All information should be independently verified by the buyer, their agent, and/or appropriate professionals before making any purchase decision.

The Scott Team shall not be held liable for any inaccuracies in property information displayed on or linked from this Site.

6. Lead Forms and Email Communications

This Site offers lead-capture forms, including but not limited to home valuation request forms, downloadable guide request forms, and consultation scheduling forms. By submitting your contact information through any form on this Site, you acknowledge and consent to the following:

• You are providing your information voluntarily and consent to being contacted by The Scott Team and/or Coldwell Banker Realty via email, phone, or text message regarding real estate services and related information.
• You may receive follow-up communications, newsletters, market updates, or promotional materials related to real estate.
• You may opt out of email communications at any time by using the unsubscribe link in any email or by contacting us directly.
• Submitting a form does not create an agency relationship or obligate you to any transaction or agreement.

We will handle your personal information in accordance with our Privacy Policy and applicable laws, including the New Jersey Consumer Privacy Act where applicable.

7. Downloadable Content and Guides

The Site offers free downloadable PDF guides and resources, such as buyer's guides and commuter guides. These materials are provided for personal, non-commercial educational use only. The information contained in these guides is general in nature, subject to change, and should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

8. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, photographs, blog articles, guides, videos, page layouts, and software, is the property of The Scott Team, Coldwell Banker Realty, or their respective content providers, and is protected by United States and international copyright, trademark, and other intellectual property laws.

"Coldwell Banker" and the Coldwell Banker logo are registered trademarks owned by Coldwell Banker Real Estate LLC. Used with permission. The Scott Team branding, logos, and original content are proprietary.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Site without prior written permission, except for personal, non-commercial use such as printing a single copy of a page for your own reference.

9. User Conduct

By using this Site, you agree that you will not:

• Use the Site for any unlawful purpose or in violation of any applicable local, state, or federal law
• Submit false, misleading, or fraudulent information through any form on the Site
• Attempt to gain unauthorized access to any portion of the Site, its servers, or any systems connected to the Site
• Use automated scripts, bots, or scraping tools to access or collect data from the Site without prior written consent
• Interfere with or disrupt the integrity or performance of the Site or its underlying infrastructure
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Reproduce, redistribute, or commercially exploit the Site's content without authorization

10. External Links Disclaimer

This Site contains links to third-party websites, including but not limited to thescottteamnj.com (a property search platform operated by a third-party provider), lender websites, municipal resources, and other external sites. These links are provided for your convenience and informational purposes only.

The Scott Team does not control, endorse, or assume responsibility for the content, privacy policies, terms of service, or practices of any third-party websites. Accessing external links is at your own risk, and you should review the terms and privacy policies of any third-party site before providing personal information or engaging in transactions.

12. New Jersey Real Estate Disclosures

Julius Scott (License #1109890NJ) and Jennifer Scott (License #1750781NJ) are licensed real estate salespersons in the State of New Jersey. They are affiliated with and represent Coldwell Banker Realty, a licensed real estate brokerage. They are not independent brokers and do not operate independently of their brokerage.

In accordance with New Jersey real estate regulations, please be aware of the following:

• Any real estate services provided will be governed by a written agreement, including applicable buyer representation or listing agreements, as required by New Jersey law.
• The nature of the agency relationship (buyer's agent, seller's agent, dual agent, or transaction broker) will be disclosed to you in writing before substantive discussions regarding a specific property transaction, in accordance with New Jersey Real Estate Commission regulations.
• Property information provided on or through this Site does not constitute a formal Comparative Market Analysis (CMA) or appraisal. For a formal valuation, please consult a licensed appraiser.
• All prospective buyers are encouraged to obtain independent home inspections, title searches, and environmental assessments before purchasing any property.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SCOTT TEAM, COLDWELL BANKER REALTY, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THIS SITE, INCLUDING BUT NOT LIMITED TO:

• Errors, inaccuracies, or omissions in property listings, market data, or other content
• Reliance on mortgage calculator results or other educational tools provided on this Site
• Any decisions made based on information obtained through this Site
• Unauthorized access to or alteration of your data or transmissions
• Any interruption or cessation of service on this Site

THIS SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

14. Indemnification

You agree to indemnify, defend, and hold harmless The Scott Team, Coldwell Banker Realty, and their respective officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of or access to this Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Site.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Essex County, New Jersey.

16. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

17. Changes to These Terms

We reserve the right to modify, amend, or replace these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page. It is your responsibility to review these Terms periodically. Your continued use of the Site after any modifications constitutes your acceptance of the updated Terms.

18. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us: