TERMS OF USE

Effective Date: November 2025
Website: terasinski.com (“the Site”)
Owner: Adam Terasinski / Terasinski

1. Acceptance of Terms

By accessing or using the Site, you agree to these Terms of Use. If you don’t agree, the solution is simple: don’t use the Site.

2. Not Legal, Tax, or Financial Advice

The information on this Site is for general informational purposes only.
Nothing here constitutes legal advice, financial advice, mortgage approval, guaranteed lending terms, or a commitment to lend.
Decisions involving large amounts of money deserve more than scrolling a website — consult a professional directly.

3. Real Estate & Mortgage Disclosures

Adam Terasinski is a licensed REALTOR® and Mortgage Loan Originator.
All real estate information, property data, market insights, lending scenarios, and examples are:

  • Subject to change,

  • Not guaranteed,

  • Dependent on third-party sources,

  • And absolutely not official offers or contracts.

Any mortgage calculations are estimates. Your actual loan terms depend on underwriting, credit, program rules, and federal/state regulations.

4. Intellectual Property

All content on the Site — including text, graphics, logos, branding, design, and media — belongs to the Site owner unless otherwise stated.
You may not copy, reproduce, scrape, or use any content without prior written permission.

No, AI image generators don’t count as “permission.”

5. User Conduct

You agree not to:

  • Use the Site for illegal purposes,

  • Attempt to hack, scrape, or break anything,

  • Harvest data or spam,

  • Misrepresent yourself,

  • Or use the Site in a way that harms its functionality.

In plain English: behave like a reasonable person.

6. Third-Party Links

The Site may link to external websites (MLS, Zillow, lender portals, county assessor sites, etc.).
These are outside our control. We’re not responsible for their content, accuracy, or privacy practices.

If they break, show outdated data, or look like they were designed in 2004 — that’s on them.

7. Privacy

The Site may collect standard web analytics (IP address, device info, usage statistics, etc.) to improve functionality and security.
If forms are used, any personal information you submit may be used to contact you regarding real estate or loan services.
Your data is never sold to third parties.

For details, see the Privacy Policy (if you want, I can draft that too).

8. No Warranties

The Site is provided “as is” and “as available.”
We make no warranties regarding:

  • Accuracy of content,

  • Continued availability,

  • Absence of errors,

  • Or freedom from digital gremlins (malware, viruses, outages, etc.).

9. Limitation of Liability

To the fullest extent allowed by law, the Site owner is not liable for any damages resulting from:

  • Use or inability to use the Site,

  • Reliance on information,

  • Loss of data, opportunities, money, or sanity,

  • Or interactions with third-party websites.

Some states don’t allow certain limitations of liability. Nebraska does — lucky you.

10. Changes to Terms

We may update these Terms at any time. Updates become effective when posted.
If the Terms change and you continue using the Site, that means you accept the changes.

11. Governing Law

These Terms are governed by the laws of the State of Nebraska.
Any disputes will be handled in Nebraska courts.

12. Contact

For questions about the Site or these Terms:
Email: adam@terasinski.com
Website: https://terasinski.com/