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ZoWy Homes Terms of Use

Effective Date: May 2026

Welcome to ZoWy Homes. These Terms of Use (“Terms”) govern your access to and use of the ZoWy Homes website, platform, applications, services, and related technology (collectively, the “Platform”).

By accessing or using the Platform, you agree to comply with and be legally bound by these Terms. If you do not agree with these Terms, please do not use the Platform.

1. About ZoWy Homes

ZoWy Homes (“ZoWy,” “we,” “our,” or “us”) operates a real estate technology and transaction platform designed to connect qualified buyers, sellers, property owners, and service providers through structured residential real estate opportunities.

ZoWy Homes is not a bank, mortgage lender, brokerage, investment adviser, escrow company, law firm, or tax advisory firm unless explicitly stated otherwise in writing.

2. Eligibility

You may use the Platform only if you:

  • are at least 18 years old,
  • have legal capacity to enter into binding agreements,
  • provide accurate and truthful information,
  • comply with all applicable laws and regulations.

ZoWy Homes reserves the right to refuse service, suspend accounts, or terminate access at any time at its sole discretion.

3. Account Registration

To access certain features, users may be required to create an account.

You agree to:

  • provide accurate information,
  • maintain updated account information,
  • keep login credentials confidential,
  • notify ZoWy Homes immediately of unauthorized access.

You are responsible for all activity conducted through your account.

4. Buyer and Seller Qualification

Submission of information through the Platform does not guarantee:

  • approval,
  • eligibility,
  • financing,
  • transaction participation,
  • property access,
  • property acquisition.

All applications are subject to internal review, verification, compliance procedures, and transaction approval requirements.

ZoWy Homes may request additional information or documentation at any time.

5. No Guarantee of Property Availability

Properties displayed on the Platform may:

  • change without notice,
  • become unavailable,
  • be withdrawn,
  • be subject to prior agreements,
  • require additional approvals.

ZoWy Homes does not guarantee availability of any specific property or transaction opportunity.

6. No Financial or Legal Advice

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

ZoWy Homes does not provide:

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

Users should consult independent licensed professionals before making financial or real estate decisions.

7. User Responsibilities

You agree not to:

  • provide false information,
  • impersonate another person,
  • upload fraudulent documents,
  • interfere with platform operations,
  • misuse the Platform,
  • violate any law or regulation.

ZoWy Homes reserves the right to investigate suspected misconduct and cooperate with law enforcement authorities.

8. Document Uploads and Verification

Users may upload documents for qualification and verification purposes.

By uploading documents, you:

  • confirm you have legal rights to provide them,
  • authorize ZoWy Homes to review and process them,
  • understand documents may be shared with approved service providers, advisers, compliance teams, or transaction participants as necessary.

All uploaded information is subject to our Privacy Policy.

9. Communication Consent

By using the Platform, you consent to receive communications from ZoWy Homes, including:

  • emails,
  • SMS messages,
  • phone calls,
  • platform notifications.

These communications may relate to:

  • account verification,
  • onboarding,
  • qualification,
  • transaction updates,
  • customer support,
  • marketing communications where permitted by law.

Users may opt out of marketing communications at any time.

10. Intellectual Property

All Platform content, including:

  • logos,
  • branding,
  • designs,
  • graphics,
  • software,
  • text,
  • platform functionality,

is owned by ZoWy Homes or its licensors and protected by intellectual property laws.

Users may not:

  • reproduce,
  • copy,
  • distribute,
  • modify,
  • exploit

any Platform content without prior written consent.

11. Third-Party Services

The Platform may contain links or integrations with third-party services.

ZoWy Homes is not responsible for:

  • third-party content,
  • third-party services,
  • external websites,
  • service interruptions,
  • external privacy practices.

Use of third-party services is at your own risk.

12. Compliance and Verification

ZoWy Homes may conduct:

  • identity verification,
  • compliance screening,
  • AML/KYC procedures,
  • fraud prevention checks.

Users agree to cooperate with such procedures when requested.

Failure to comply may result in suspension or termination of access.

13. Limitation of Liability

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

  • indirect damages,
  • incidental damages,
  • financial losses,
  • missed opportunities,
  • transaction failures,
  • property disputes,
  • third-party actions.

The Platform is provided on an “as is” and “as available” basis without warranties of any kind.

14. Indemnification

You agree to indemnify and hold harmless ZoWy Homes, its affiliates, officers, employees, advisers, and partners from any claims, liabilities, damages, or expenses arising from:

  • your use of the Platform,
  • violation of these Terms,
  • misuse of the Platform,
  • violation of applicable laws.

15. Privacy

Use of the Platform is also governed by the ZoWy Homes Privacy Policy.

By using the Platform, you acknowledge and agree to our data collection and privacy practices.

16. Suspension and Termination

ZoWy Homes may suspend or terminate access to the Platform at any time, with or without notice, if:

  • these Terms are violated,
  • suspicious activity is detected,
  • compliance concerns arise,
  • fraudulent activity is suspected.

17. Modifications to Terms

ZoWy Homes may update these Terms at any time.

Updated versions will be posted on the Platform with a revised effective date.

Continued use of the Platform constitutes acceptance of revised Terms.

18. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Florida, United States, without regard to conflict of law principles.

Any disputes shall be resolved in the courts located in Florida unless otherwise required by law.

19. 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.

20. Acknowledgment

By using the ZoWy Homes Platform, you acknowledge that you have read, understood, and agreed to these Terms of Use.