Effective Date: 3/6/2026
Last Updated: 3/6/2026
These Terms of Service (“Terms”) govern your access to and use of The Real Estate Social Club website and any affiliated websites, landing pages, forms, guides, calculators, scheduling links, home search tools, digital resources, content, and related online services 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 accessing or using this Site, you accept and agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site.
The Site is provided for general informational, educational, and business purposes related to real estate, mortgage, relocation, housing, and related topics.
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
We reserve the right to suspend, restrict, or terminate access to the Site at any time, for any reason, without notice.
Your use of the Site does not create a broker-client, agency, fiduciary, attorney-client, financial advisor-client, lender-borrower, or other formal professional relationship.
Submitting a form, downloading a guide, using a calculator, sending a message, scheduling a call, or otherwise interacting with the Site does not, by itself:
Any formal relationship, where applicable, must be separately established in writing and may require execution of additional agreements, disclosures, or documentation.
The content on the Site is provided for general informational and educational purposes only. It is not legal, tax, financial, accounting, appraisal, title, insurance, escrow, survey, land use, or investment advice.
You are solely responsible for consulting appropriate licensed or qualified professionals before making decisions related to:
Nothing on the Site constitutes:
Any mortgage-related information, including rates, payments, affordability examples, eligibility concepts, or loan program references, is illustrative only and subject to change without notice.
We make no guarantee regarding:
We make reasonable efforts to present useful information, but we do not warrant that any content on the Site is accurate, complete, current, reliable, available, or error-free.
Content may become outdated, change without notice, or contain errors, omissions, delays, or inaccuracies. This includes, without limitation:
You are solely responsible for independently verifying all information before relying on it.
Any calculators, affordability tools, payment illustrations, home search tools, worksheets, checklists, guides, downloadable resources, or estimate-based materials are provided for convenience only.
These materials:
Use of these tools is at your own risk.
All content on the Site, including text, graphics, branding, logos, icons, images, downloads, design elements, layout, videos, audio, and other materials, is owned by us, licensed to us, or otherwise protected by applicable intellectual property laws.
You may use the Site for your personal, non-commercial use only. You may not, without prior written consent:
any Site content, except as expressly permitted by law.
Unauthorized use of Site content may violate copyright, trademark, and other laws.
If you submit any information, inquiry, message, form entry, testimonial, comment, suggestion, feedback, or other content through the Site, you represent that:
By submitting content to us, you grant us the right to use, store, review, respond to, and process that content for business, service, communication, operational, marketing, legal, and recordkeeping purposes, subject to our Privacy Policy.
We reserve the right, but not the obligation, to remove, reject, or disregard submissions in our discretion.
The Site may include links to, integrations with, or references to third-party websites, services, platforms, providers, or resources, including scheduling tools, calculators, property search tools, social media platforms, embedded videos, maps, articles, and referral partners.
We do not control and are not responsible for:
Your use of third-party sites or services is at your own risk and subject to their own terms and policies.
Your use of the Site is also subject to our Privacy Policy. By using the Site, you acknowledge that you have reviewed our Privacy Policy and understand that personal information may be collected, used, and disclosed as described there.
To the fullest extent permitted by law, the Site and all content, services, features, and materials made available through it are provided on an “as is” and “as available” basis.
We make no warranties, express or implied, including but not limited to warranties of:
We do not warrant that the Site will always be available, secure, or error-free.
To the fullest extent permitted by law, Mei Lai Tracy On, The Real Estate Social Club, and any affiliated businesses, officers, employees, contractors, agents, assistants, service providers, successors, or assigns shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or related to:
Your sole remedy for dissatisfaction with the Site is to stop using it.
You agree to defend, indemnify, and hold harmless Mei Lai Tracy On, The Real Estate Social Club, and any affiliated businesses, officers, employees, contractors, agents, assistants, service providers, successors, and assigns from and against any claims, losses, liabilities, damages, judgments, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
We reserve the right to modify, suspend, discontinue, restrict, or remove any part of the Site, including content, features, forms, tools, or services, at any time without notice or liability.
We are under no obligation to update, maintain, or continue any particular content, feature, or offering.
We reserve the right to revise these Terms at any time, in our sole discretion. Updated Terms will be effective when posted on the Site unless otherwise stated.
Your continued use of the Site after revised Terms are posted constitutes your acceptance of the updated Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Hawaiʻi, without regard to conflict of law principles, except to the extent superseded by applicable federal law.
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.
No waiver of any provision of these Terms shall be deemed a further or continuing waiver of that provision or any other provision. Our failure to enforce any right or provision under these Terms does not constitute a waiver of that right or provision.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding your use of the Site and supersede any prior understandings relating to such use.
If you have questions about these Terms of Service, 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
