TERMS OF SERVICE
Last Updated: 12/4/2025
Welcome to YourHomeYourTerms.com. By accessing or using this website, any of our forms, services, or communication channels, including SMS text messaging and our AI digital assistant, you agree to be bound by these Terms of Service. Please read them carefully. If you do not agree with any part of these terms, do not use this website or our services.
1. Overview of Services
YourHomeYourTerms.com provides:
Real estate services
Home loan services
Property tax grievance assistance
Educational resources, videos, and guides
Downloadable materials and informational content
Information on this website is provided for general educational purposes only and is not legal, tax, or financial advice. For legal questions, consult an attorney. For tax questions, consult a tax professional. For financial planning questions, consult a licensed financial advisor.
2. Eligibility
You must be at least 18 years old and legally able to enter contracts in order to use this website or any of our services.
3. SMS Text Message Consent And Policy
By:
Submitting any form on YourHomeYourTerms.com
Texting our phone number (516-444-5341)
Interacting with our AI digital assistant
Opting in through any of our lead sources
Calling us and verbally providing your mobile number
Providing your number in person for contact purposes you expressly agree to receive SMS and automated text messages from:
YourHomeYourTerms.com
Messages may be sent by:
• Charles Bianco
• YourHomeYourTerms.com AI Digital Assistant
• Staff or systems used by our real estate, loan, and customer support team
3.1 SMS and Automated Messaging Terms
Message frequency varies based on your interactions and ongoing services.
Messages may be sent by humans or automated systems, including AI driven tools.
Message content may include:
Responses to your questions and inquiries
Appointment scheduling and confirmations
Links to resources, guides, or forms
Real estate and home loan updates
Program information and follow up messages
Transactional and service related communications
Message and data rates may apply.
You can opt out of SMS at any time by replying STOP.
You can request help by replying HELP.
Carriers are not liable for delayed or undelivered messages.
Consent to receive SMS is not required as a condition of purchasing services or hiring us.
Opting out of SMS will not affect emails, legally required notices, or necessary transactional communications related to ongoing services.
3.2 SMS and AI Assistant Opt In Sources
You may opt in and provide your mobile number through:
Website forms including buyer, seller, home loan, tax grievance, contact, download, and valuation forms
Social media lead forms including Facebook, Instagram, TikTok, YouTube, and Google
Third party real estate lead providers
QR codes on postcards, signs, banners, trade show materials, or digital ads
Text messages that you initiate to our phone number
Phone calls you place to us where you provide your mobile number
In person meetings where you provide your mobile number
Interactions with our digital AI assistant on our website or through integrated messaging channels
If you believe you received a message in error, reply STOP and contact us immediately at:
Email: charles@yourhomeyourterms.com
Phone: 516-444-5341
4. User Responsibilities
When using YourHomeYourTerms.com or any of our services, you agree that you will not:
Violate any applicable law or regulation
Use the website in a way that may damage, disable, or impair its functionality
Attempt to gain unauthorized access to any part of the site, server, or related systems
Use automated means to scrape, copy, or harvest data from the website
Submit false, misleading, or incomplete information
Impersonate any person or entity
You are responsible for the accuracy of the information you provide.
5. No Guarantee of Results
Real estate markets, loan approvals, and property tax outcomes vary and are influenced by many factors. While we use our experience and professional efforts:
Property values are not guaranteed
Loan approvals are not guaranteed
Property tax grievance results are not guaranteed
Any examples, projections, or scenarios are for illustration only
6. External Links
The website may include links to third party websites or services. These third parties are not under our control. We are not responsible for:
Their content
Their policies
Their practices
You are encouraged to review the terms and privacy policies of any third party websites you visit.
7. Intellectual Property
All content on YourHomeYourTerms.com is owned by or licensed to YourHomeYourTerms.com and may include:
Branding and logos
Graphics and images
Page layouts and designs
Video content and scripts
Written text, guides, and downloads
You may not copy, reproduce, distribute, or create derivative works without our prior written permission, except as allowed by law for personal, non commercial use.
8. Professional Status and Disclaimers
Real estate services are provided by Charles Bianco, Licensed Real Estate Associate Broker with VORO Real Estate.
Home loan services are provided through United Mortgage Corp.
Property tax grievance services are provided as a representative and are subject to municipal rules.
Nothing on this website creates an agency relationship, brokerage relationship, or loan relationship unless and until you sign the appropriate agreement or disclosure forms required by law.
All programs, incentives, and benefits mentioned on the website are subject to written terms, eligibility, and may be modified or discontinued without prior notice.
9. Limitation of Liability
To the fullest extent permitted by law, YourHomeYourTerms.com, its owner, employees, and partners will not be liable for:
Indirect, incidental, or consequential damages
Loss of data, profits, or business opportunities
Any damages arising from your use of or inability to use the website or services
This includes any reliance you place on information provided on this website or via SMS, email, or AI assistant messages.
10. Indemnification
You agree to indemnify and hold harmless YourHomeYourTerms.com, its owner, and affiliates from any claims, losses, liabilities, or expenses arising from:
Your use of the website or services
Your violation of these Terms
Your violation of any rights of a third party
11. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes will be resolved in the appropriate courts located within New York State.
12. Changes to Terms
We may update these Terms of Service from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the website or services after changes are posted means that you accept the updated terms.
13. Contact Information
For questions regarding these Terms of Service or SMS notices, you may contact:
YourHomeYourTerms.com
Attn: Charles Bianco
Phone: 516-444-5341
Email: charles@yourhomeyourterms.com
Website: www.YourHomeYourTerms.com