Effective Date: 3/6/2026
Last Updated: 3/6/2026
This Disclaimer applies to The Real Estate Social Club website and any affiliated websites, landing pages, forms, guides, calculators, home search tools, educational resources, scheduling links, social media content, downloads, and related online platforms operated by Mei Lai Tracy On (collectively, the “Site”).
Mei Lai Tracy On is a licensed REALTOR® with Coldwell Banker Island Properties and a licensed Mortgage Loan Originator with Edge Home Finance.
By using this Site, you acknowledge and agree to this Disclaimer.
All content provided on this Site is for general informational and educational purposes only. Content on this Site may include information related to real estate, mortgage financing, relocation, homeownership, market conditions, housing strategy, buying, selling, investing, guides, timelines, or related topics.
The information on this Site is not intended as a substitute for professional advice tailored to your individual situation. You should not rely solely on information from this Site when making legal, tax, financial, lending, investment, appraisal, or real estate decisions.
Nothing on this Site constitutes or should be interpreted as:
You should consult your own attorney, accountant, tax professional, financial advisor, appraiser, insurance professional, escrow officer, title company, or other qualified professional before making decisions based on information obtained through this Site.
Any mortgage, financing, payment, rate, affordability, or loan-related information on this Site is provided for general informational purposes only and does not constitute:
All mortgage products, rates, payments, approvals, and timelines are subject to change and depend on underwriting, eligibility, credit, income, assets, appraisal, occupancy, property review, investor guidelines, and other applicable requirements. Under Regulation Z, if an advertisement states specific credit terms, those must be terms actually available or arranged by the creditor.
We make no representations, warranties, or guarantees regarding:
Past performance, examples, or illustrative scenarios are not guarantees of future results.
Your use of this Site, submission of a form, download of a guide, request for information, email, call, text, or scheduling of a consultation does not, by itself:
A formal professional relationship, where applicable, arises only if and when separately confirmed in writing and subject to any required brokerage, lending, licensing, or service documentation.
Real estate information on this Site may include property information, neighborhood commentary, market updates, pricing discussions, timelines, relocation observations, educational commentary, and other housing-related content.
Such information may change without notice and may be incomplete, estimated, opinion-based, delayed, or derived from third-party sources. We do not guarantee the accuracy, completeness, timeliness, suitability, or availability of any property information, market data, neighborhood description, or transaction-related information presented on the Site.
Users are solely responsible for independently verifying all information before relying on it.
Any calculators, affordability tools, payment illustrations, valuation concepts, home search tools, downloadable worksheets, or estimate-based resources on this Site are provided for convenience only.
These tools and resources are:
Results generated by calculators, forms, or estimates should not be relied upon as guaranteed outcomes.
This Site may reference, link to, embed, or provide access to third-party websites, service providers, calculators, property search tools, scheduling platforms, articles, videos, maps, lenders, brokers, attorneys, tax professionals, moving companies, contractors, referral partners, or other resources.
These third parties are independent. We do not control and are not responsible for:
Any reliance on third-party information or services is at your own risk.
Real estate and mortgage services are subject to licensing laws, brokerage rules, lender requirements, and geographic limitations. Not all services, programs, products, or content described on this Site are available in all jurisdictions or to all consumers.
Use of this Site does not mean that services are available in your state or that any transaction can or will be handled in your jurisdiction. Real estate advertising in Hawaiʻi requires identification of the licensee’s name, brokerage firm, and license status in advertising.
We support compliance with applicable fair housing and equal opportunity laws. Nothing on this Site is intended to discriminate on the basis of any protected class under applicable federal, state, or local law.
This Site may contain marketing content, educational content, promotional materials, endorsements, testimonials, calls to action, and general examples. These materials are intended to provide general information and promote services lawfully offered through the applicable licensed business channels.
Disclosures required to prevent an advertisement from being deceptive should be clear and conspicuous, especially in digital formats.
This Site and all content, materials, and services made available through it are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, to the fullest extent permitted by law.
We disclaim all warranties, including but not limited to:
To the fullest extent permitted by law, we are not liable for any loss, damage, claim, cost, or liability arising out of or related to:
This includes direct, indirect, incidental, consequential, special, exemplary, or punitive damages, even if we were advised of the possibility of such damages.
By using this Site, you agree that you are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided and for obtaining independent professional advice before making important real estate, mortgage, legal, tax, or financial decisions.
We reserve the right to modify, revise, or update this Disclaimer at any time without prior notice. Changes become effective when posted on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Disclaimer.
If you have questions about this Disclaimer, please contact:
Mei Lai Tracy On
The Real Estate Social Club
Licensed REALTOR® (RS# 88472) with Coldwell Banker Island Properties RS#23176) Licensed Mortgage Loan Originator (NMLS#2286149) with Edge Home Finance(NMLS #891464)
Email: info@realestatesocial.club website:realestatesocial.club
