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Terms of Service

TexasForeclosureAnswers.com
Effective Date: [December 17, 2025]
 

Welcome to TexasForeclosureAnswers.com (“the Website,” “we,” “us,” or “our”). By accessing or using this Website, including any AI Foreclosure Assistants, resources, forms, or communication tools, you (“you,” “your,” or “user”) agree to be bound by these Terms of Service (“Terms”).

If you do not agree to these Terms, you must discontinue use of the Website immediately.

These Terms work together with our Privacy Policy and Legal Disclaimer, all of which govern your use of this Website.
 

1. ACCEPTANCE OF TERMS

By using this Website, you agree that:

  • You have read, understood, and accepted these Terms

  • You are at least 18 years old

  • You will use the Website only for lawful purposes

  • You accept full responsibility for actions taken based on the content you view

If you disagree with any part of these Terms, do not use the Website.
 

2. NO LEGAL ADVICE & NO ATTORNEY-CLIENT RELATIONSHIP

This Website provides general educational information only.
Nothing on the Website constitutes:

  • Legal advice

  • Legal representation

  • A legal opinion

  • A substitute for professional legal counsel

Using the Website, including interacting with AI Assistants, does not create an attorney-client relationship — not explicitly, implicitly, or otherwise.

An attorney-client relationship can only be formed through a signed written engagement agreement with a Texas-licensed attorney.

Consult a qualified attorney for legal matters involving foreclosure, lawsuits, bankruptcy, or title issues.
 

3. USE OF AI FORECLOSURE ASSISTANTS

The Website offers AI-powered tools for answering general questions about mortgage and property tax foreclosure processes.

By using the AI Assistants, you understand and agree that:

  • AI-generated information may be incomplete, incorrect, outdated, or misleading

  • AI does not know your full financial or legal situation

  • AI responses are not specific advice for your case

  • You must not rely solely on AI-generated information to make legal, financial, or real estate decisions

  • You must verify critical information independently

  • You must not input sensitive personal information (e.g., SSN, bank details, DOB)

We reserve the right to monitor, review, or store AI chats for quality, safety, and operational improvement.
 

4. USER RESPONSIBILITIES

You agree that you will:

  • Use the Website in accordance with all applicable laws

  • Provide truthful, accurate information when submitting forms

  • Not enter sensitive financial, legal, or personal data into the AI tools

  • Not misuse or abuse the Website or AI Assistants

  • Not attempt to disrupt, damage, hack, overload, or modify the Website

  • Not use the Website for illegal, fraudulent, defamatory, or harmful activities

Violations may result in termination of access.
 

5. PROHIBITED USES

You may NOT use this Website to:

  • Provide or solicit legal advice

  • Attempt to gain unauthorized access to systems or data

  • Scrape, copy, or extract data for commercial use

  • Use bots, spiders, or automated tools

  • Disrupt or degrade Website performance

  • Misrepresent your identity

  • Upload malware, harmful code, or malicious scripts

  • Harass or threaten Website owners, operators, or other users

We may block or terminate access to any user engaging in prohibited behavior.


6. REFERRALS TO PROFESSIONALS

Upon request, the Website may refer you to:

  • Attorneys

  • Foreclosure defense firms

  • Licensed real estate agents

  • Pre-foreclosure property buyers

  • Other professionals

You acknowledge that:

  • Referrals are optional

  • You are free to choose any professional you wish

  • The Website may receive compensation for some referrals

  • The Website does not guarantee the performance or results of any referred professional

  • You assume full responsibility for decisions made after any referral


7. INTELLECTUAL PROPERTY RIGHTS

All content on this Website, including:

  • Text

  • Articles

  • Guides

  • Layout

  • Branding

  • Graphics

  • Logos

  • Site structure

  • AI prompts and training content

is the property of TexasForeclosureAnswers.com unless otherwise stated.
You may not:

  • Copy

  • Reproduce

  • Republish

  • Sell

  • Distribute

  • Modify

  • Create derivative works

without written permission.
 

8. ACCURACY OF INFORMATION

We strive to keep information accurate, but:

  • Laws change

  • Processes vary by lender, county, or court

  • AI may generate errors

  • Human error is possible

Therefore, the Website makes no guarantee that any information will always be:

  • Accurate

  • Complete

  • Up to date

  • Suitable for your specific needs

You must verify important details independently or with a professional.


9. LIMITATION OF LIABILITY

To the fullest extent permitted by law, TexasForeclosureAnswers.com, its owners, employees, contractors, affiliates, and partners shall not be liable for:

  • Any direct, indirect, incidental, special, or consequential damages

  • Loss of property

  • Financial losses or debts

  • Missed deadlines

  • Foreclosure outcomes

  • AI-generated inaccuracies

  • Misinterpretation or misuse of content

  • Decisions made based on Website information

  • Damage to computer systems, devices, or data

Your use of the Website is at your sole risk.
 

10. NO GUARANTEE OF RESULTS

We do not guarantee:

  • Loan modification approval

  • Stopping foreclosure

  • Delaying foreclosure

  • Successful legal outcomes

  • Surplus recovery

  • Property sale before auction

  • Clearance of title issues

  • Loan reinstatement

You acknowledge that outcomes depend solely on your circumstances, lender actions, court decisions, and other factors beyond our control.


11. THIRD-PARTY WEBSITES & SERVICES

The Website may link to external sites or tools.
We are not responsible for:

  • Their content

  • Their privacy practices

  • Their accuracy

  • Their security

  • Their terms or policies

Use third-party resources at your own risk.


12. MODIFICATIONS & TERMINATION OF SERVICE

We reserve the right to:

  • Update or modify these Terms at any time

  • Change or remove content

  • Suspend or discontinue Website functionality

  • Deny or terminate access to any user

Continued use of the Website after changes constitutes acceptance of the updated Terms.


13. GOVERNING LAW

These Terms are governed by and construed in accordance with the laws of:

The State of Texas.

Any disputes shall be resolved exclusively in the courts of Texas.
 

14. SEVERABILITY

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect.

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15. CONTACT INFORMATION

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If you have questions about this Privacy Policy, contact using information below or via the Contact page of this website.

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