ZoWy Homes — Risk Disclosure

This Risk Disclosure ("Disclosure") is provided by ZoWy Homes to inform users, buyers, sellers, property owners, and platform participants ("Users") of certain risks associated with real estate transactions, structured property arrangements, qualification processes, and platform participation.

By using the ZoWy Homes platform, website, applications, or related services (collectively, the "Platform"), you acknowledge and accept the risks described below.

1. General Real Estate Risk

Real estate transactions involve significant financial and legal risks.

Property values may:

• increase or decrease,
• fluctuate due to market conditions,
• be affected by interest rates,
• be impacted by local economic conditions,
• be affected by zoning, taxes, insurance, natural disasters, or governmental actions.

ZoWy Homes does not guarantee:

• future property values,
• appreciation,
• investment performance,
• market stability,
• successful transactions.

2. No Guarantee of Qualification or Approval

Submission of information through the Platform does not guarantee:

• buyer approval,
• seller approval,
• financing approval,
• transaction participation,
• occupancy rights,
• property acquisition.

All applications are subject to:

• internal review,
• compliance procedures,
• verification requirements,
• transaction-specific approvals.

ZoWy Homes reserves the right to decline or discontinue any application at its sole discretion.

3. Structured Transaction Risk

Certain transactions facilitated through ZoWy Homes may involve:

• lease-option arrangements,
• structured occupancy agreements,
• delayed purchase structures,
• fixed-price purchase agreements,
• third-party capital participation.

These arrangements may involve financial obligations, contractual commitments, and legal risks.

Users should carefully review all agreements and consult independent legal, financial, tax, and real estate professionals before entering into any transaction.

4. Deposit and Commitment Payment Risk

Certain transactions may require:

• deposits,
• commitment payments,
• reservation fees,
• occupancy-related payments.

Users understand that under certain agreements:

• some payments may be non-refundable,
• contractual rights may be limited,
• failure to complete obligations may result in financial loss.

Terms vary by transaction and will be governed by separate written agreements.

5. Financing and Lending Risk

ZoWy Homes is not a bank, mortgage lender, or financial institution unless expressly stated otherwise.

Financing approval may depend on:

• creditworthiness,
• market conditions,
• underwriting standards,
• lender requirements,
• compliance reviews.

There is no guarantee that financing or refinancing will be available.

Interest rates and lending conditions may change without notice.

6. Third-Party Risk

Transactions may involve third parties including:

• lenders,
• attorneys,
• brokers,
• title companies,
• escrow providers,
• capital partners,
• insurance providers,
• property managers.

ZoWy Homes is not responsible for:

• third-party performance,
• service interruptions,
• contractual disputes,
• financial losses caused by third parties.

Users engage with third parties at their own risk.

7. No Legal, Tax, or Financial Advice

Information provided through the Platform is for general informational purposes only.

ZoWy Homes does not provide:

• legal advice,
• tax advice,
• accounting advice,
• financial advice,
• investment advice,
• mortgage advice.

Users should obtain independent professional advice before making financial or legal decisions.

8. Market and Economic Risk

Real estate markets may be affected by:

• inflation,
• recession,
• interest rate increases,
• employment changes,
• geopolitical events,
• regulatory changes,
• natural disasters,
• insurance availability.

These conditions may affect:

• property values,
• transaction timing,
• financing availability,
• occupancy costs,
• resale opportunities.

9. Florida-Specific Risks

Properties located in Florida may involve additional risks including:

• hurricanes,
• flooding,
• storm damage,
• rising insurance costs,
• homeowners association restrictions,
• environmental conditions,
• coastal property regulations,
• property tax changes.

Users should conduct independent inspections, insurance reviews, and legal due diligence before entering any transaction involving Florida properties.

10. Technology and Platform Risk

ZoWy Homes uses digital systems and third-party technology providers.

While commercially reasonable security measures are used, risks may include:

• system interruptions,
• technical failures,
• unauthorized access,
• cyberattacks,
• data transmission issues,
• communication delays.

ZoWy Homes does not guarantee uninterrupted or error-free platform operation.

11. International User Risk

International users may face additional risks including:

• currency fluctuations,
• immigration or residency restrictions,
• cross-border tax obligations,
• international banking delays,
• foreign ownership regulations.

Users are responsible for obtaining independent legal and tax advice regarding international transactions.

12. Compliance and Verification Risk

ZoWy Homes may conduct:

• AML/KYC reviews,
• identity verification,
• fraud prevention checks,
• sanctions screening,
• compliance investigations.

Applications or transactions may be delayed, suspended, or terminated if compliance concerns arise.

13. No Investment Guarantee

Participation in any transaction facilitated through ZoWy Homes should not be interpreted as:

• a guaranteed investment,
• a guaranteed return,
• an investment recommendation,
• a securities offering.

Real estate transactions carry risk of partial or total financial loss.

14. Limitation of Liability

To the fullest extent permitted by law, ZoWy Homes shall not be liable for:

• indirect damages,
• financial losses,
• lost profits,
• missed opportunities,
• transaction failures,
• property-related disputes,
• third-party actions,
• market declines.

All Platform services are provided on an "as is" and "as available" basis.

15. User Responsibility

Users are solely responsible for:

• reviewing agreements,
• conducting due diligence,
• obtaining professional advice,
• verifying property information,
• evaluating financial suitability,
• complying with applicable laws.

16. Acknowledgment

By using the ZoWy Homes Platform, you acknowledge that:

• you understand the risks described in this Disclosure,
• you accept responsibility for your decisions,
• you understand real estate transactions involve financial and legal risk,
• you have had the opportunity to seek independent professional advice.

17. Contact Information

ZoWy Homes

Email: hello@zowyhomes.com

Website: www.zowyhomes.com

For legal or compliance inquiries, please contact us through the official contact information provided on the Platform.