Revision Date: May 29, 2019
If you have registered to receive marketing communications from us and later change your mind, you may opt out of receiving direct marketing or promotional communications in electronic or printed form by writing or calling us at the (Contact Us) information set out below, or by sending us an email with “unsubscribe” in the subject line to firstname.lastname@example.org.
If you opt-out of receiving marketing information from us, we may still contact you concerning your specific transactions and communications with us.
INFORMATION WE MAY COLLECT
We may collect personal information, including your first and last name, mailing address, telephone number, email address, text message address, transaction information, credit or debit card information, and birth month. We may collect this information when you:
- make a purchase at our office, online or by phone;
- save your information with us online or visit our site;
- opt-in for emails or request catalogs or other marketing materials;
- participate in a contest, sweepstakes, promotion or survey;
- make inquiries concerning our merchandise or services;
- participate in any geolocation services we offer (e.g., to inform you of new products and promotions that may be of interest to you.); and/or
- are referred to us through a third-party marketing promotion.
To review or update the personal information you’ve provided previously, sign on to our site and click “My Account”. You may update stored information by clicking “Account”. Be sure to “Save” once you’ve completed your changes. You may also call or email Customer Service.
If you purchase merchandise or a gift card for another person, we may also collect personal information concerning the recipient in order to fulfill your request. We will assume that you have the recipient’s permission to use his or her personal information for this limited purpose.
HOW WE MAY USE THE PERSONAL INFORMATION WE COLLECT
We may use the personal information we collect to:
- process, track and fulfill your order and contact you about the status of your order;
- if you consent to join our mailing list, to
- tell you about and administer our contests, sweepstakes and promotions;
- send you emails, catalogs or other marketing materials about our merchandise or services; and
- send you surveys about our merchandise or services;
- offer you geolocation services (e.g., to provide you with information about new store openings near you and inform you of new products and promotions that may be of interest to you.);
- respond to your inquiries regarding our merchandise or services;
- learn about your shopping preferences and improve your shopping experience;
- help us address problems with and improve our site and our merchandise and services; and/or
HOW WE MAY SHARE THE PERSONAL INFORMATION WE COLLECT
We may share your personal information for the purposes described above in the following ways:
- In the event of the sale or a merger of Kiplan Real Estate Consultants & Advisors, information we have collected may be among the assets transferred.
- We may share certain personal information with companies who provide certain services to us such as shipping, name and address verification, email distribution, and promotions management. We share only that information necessary for these companies to perform their requested services. Additionally, these companies are contractually obligated to protect this information and to use it for no other purpose. With co-sponsors of contests, sweepstakes or promotions.
- With reputable companies whose products we believe may be of interest to you. We share only first and last names and mailing addresses but not email addresses.
- With law enforcement upon request, as required by applicable law (such as by court order or subpoena), if necessary, in connection with a fraud investigation, or to protect and defend our customers’ and our interests.
RETENTION AND STORAGE OF YOUR PERSONAL INFORMATION
We retain your personal information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws.
Our site uses “cookies” which are small data files stored on your computer’s hard drive or mobile device when you visit a site. Cookies may be used in a variety of ways which enhance and personalize your online browsing and shopping experience. For instance, cookies allow us to remember what’s in your shopping cart, recognize you when you return to our site, track your orders, and monitor and maintain information about your visits. We may also use technologies, such as our own cookies, to provide you with personalized online display advertising tailored to your interests. You may set your browser not to accept cookies (“do not track”) or to notify you when you receive cookies. If you do not accept cookies, you will need to re-enter your personal information each time you decide to make a purchase online.
THIRD PARTY ADS
We use a third-party provider to place our internet ads. The provider may collect anonymous information about your visits to our site and your interaction with our products and services. The provider may also use information about your visits to this and other sites to target advertisements for merchandise and services.
In addition, we use the following Google Analytics advertising features: Demographics and Interest reporting, Remarketing, GDN Impression Reporting and Campaign Manager integration. We allow Google Analytics to collect data about your traffic via Google advertising cookies and identifiers, in addition to data collected through a standard Google Analytics implementation. Google complies with the EU-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use and retention of personal information from European Union member countries and subject to enforcement by the Federal Trade Commission. Google, including Google Inc. and its wholly owned US subsidiaries, has certified that it adheres to the relevant Privacy Shield Principles, including for Google Analytics.
No action is required on our part. Google’s certificate is accessible here.
For contracts under the General Data Protection Regulations, Google offers Data Processing Terms.
Visitors can opt-out of the Google Analytics Advertising Features we use, including through Ads Settings, Ad Settings for mobile apps, or any other available means here.
We use various technologies and processes to help protect your information. Information such as your credit or debit card account number is transmitted through a secure server using Secure Sockets Layer (SSL) encryption technology. However, absolute security can never be guaranteed.
We will never request your credit card or other personal information by email. If you receive an email that appears to be a request from us for personal information, do not respond as this may be a “phishing” scam designed to steal your information. Never include your credit or debit card number or other sensitive information in an email as it is not a secure means of transmitting information. We will only request such information during secure transactions on our site.
It is your responsibility to safeguard any password you create to access “My Account” and to sign-out when your visit is complete.
LINKS TO OTHER WEBSITES
Our site is not intended for use by children and we do not knowingly collect personal information from children under the age of 13. If we learn that information has been submitted by someone who is under the age of majority in your jurisdiction of residence, we will not use it. The child’s parent or guardian should contact us if we have inadvertently collected such personal information and we will delete it from our files.
UPDATING AND MODIFYING YOUR COMMUNICATION PREFERENCES
If you wish to update, delete or modify your personal information or do not wish to be contacted via email, direct mail and/or telephone, please contact Customer Service. Provide your exact name and postal or email address so that we may identify you accurately. You may also “unsubscribe” from our email by using the link provided at the bottom of each email. If you ask us to remove you from marketing lists, we will maintain you on a “do not contact” list to ensure that we continue to honor your request. It may take up to 10 days to process your “do not email” request. It may take up to 8 weeks to process your “do not mail” request because mailings are planned long in advance. If you purchase online, we will continue to confirm your order and shipment status via email, postal address or telephone. If you change your mind about the choices you’ve previously made, contact Customer Service.
All requests to exercise your Rights or inquiries about your personal data should be made to the Privacy Team/Legal Department at email@example.com or by writing to:
Kiplan Real Estate Consultants & Advisors
2156 W. Park Court, Suite E Stone Mountain, GA 30087
Last Revised: May 28, 2019
PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE SITE AND SERVICES AVAILABLE THROUGH THE SITE. THESE TERMS REQUIRE YOU ARBITRATE ANY DISPUTES YOU HAVE WITH US AND YOU WAIVE THE ABILITY TO BRING CLAIMS AGAINST US IN A CLASS ACTION FORMAT.
Unless otherwise noted, all materials on this website, including text, images, illustrations, icons, photographs, music, sounds, video clips and other materials, and the copyrights, trademarks, service marks, trade dress and other intellectual property in such materials (“Kiplan Real Estate Consultants & Advisors Content”) are owned, controlled or licensed by Kiplan Real Estate Consultants & Advisors and its Affiliates. Kiplan Real Estate Consultants & Advisors Content is provided for your personal, non-commercial use. No right, title or interest in downloaded Kiplan Real Estate Consultants & Advisors Content is transferred to you as a result of any such downloading or copying. Unless expressly stated to the contrary, you may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or exploit Kiplan Real Estate Consultants & Advisors Content in any way.
USER-GENERATED CONTENT AND SUBMISSIONS
You are solely responsible for, and we claim no ownership to, any content, including profiles, information, messages, text, images, illustrations, icons, photographs, videos, music or any other content or materials (“User-Generated Content”), you submit , upload, post, pin or otherwise provide or make available to Kiplan Real Estate Consultants & Advisors or its Affiliates or vendors, or make available on or through this website, including User-Generated Content that is on third party social media websites, including, but not limited to, Facebook, Instagram, Pinterest, LinkedIn and/or Twitter, which you have agreed to allow our use of, and those associated with hashtags related Kiplan Real Estate Consultants & Advisors (“Submissions”).
You must be at least 18 years old to make a Submission. Your Submission may be used in any Kiplan Real Estate Consultants & Advisors advertising, marketing or promotional materials, including this website, printed materials, emails, social media sites and in-store marketing materials. If your Submission is used by Kiplan Real Estate Consultants & Advisors, it may be publicly displayed along with your name and associated Facebook, Instagram, Pinterest, LinkedIn or Twitter profile information. You may not use a false email address, impersonate any person or entity, or otherwise mislead us as to the origin of any Submission.
All User-Generated Content and Submissions posted, submitted or otherwise transmitted or made available to this website remains the sole responsibility of the person who originated such content. We do not and will not monitor or control User-generated Content and take no responsibility for such content. All User-Generated Content and Submissions will be treated as non-confidential and non-proprietary. With respect to all User-Generated Content and Submissions you grant Kiplan Real Estate Consultants & Advisors and its Affiliates, a perpetual, irrevocable, transferable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such Submissions and User-Generated Content as well as your name, Facebook, Instagram, Pinterest LinkedIn or Twitter handle, ID, profile picture, image, likeness, comments, posts, statements or other information, in any manner, and in any and all distribution channels, forms, media, or technology, alone or as part of other works, without further notice or compensation. You hereby represent and warrant that any User-Generated Content and/or Submissions you provide do not include anything which you do not own or otherwise control or have the full right to grant the license stated above. You represent and warrant that your User-Generated Content and Submissions do not constitute or contain software viruses, commercial solicitation, chain letters, mass mailings, commercial offerings or any form of “spam.”
Any questions, feedback, comments, suggestions regarding our current products and services, as well as any or your ideas and concepts for new products and services, offered to us (“Feedback”) will be and remain the property of Kiplan Real Estate Consultants & Advisors and its Affiliates and will be deemed non-confidential and non-proprietary. Your Feedback, whether directly posted on this website, including but not limited to Ratings and Reviews, or via email, postal mail, or otherwise, will be considered an assignment to Kiplan Real Estate Consultants & Advisors and its Affiliates of all worldwide rights, title and interest to all intellectual property rights in your Feedback. By sending us your Feedback, you agree that such Feedback may be used in any Kiplan Real Estate Consultants & Advisors advertising, marketing or promotional materials, including but not limited to printed materials, emails, social media sites and in-store marketing materials. If your Feedback is used by Kiplan Real Estate Consultants & Advisors, it may be publicly displayed along with your name and/or biographical information.
Kiplan Real Estate Consultants & Advisors specifically prohibits you from sending us any information that you consider to be confidential or proprietary or that you would object to our use in marketing materials. You further agree that your Feedback will not violate rights of any third party, contain libelous or otherwise unlawful, abusive or obscene materials; and you will not transmit any computer virus or other malware that could affect the operation of our website.
COPYRIGHT INFRINGEMENT POLICY:
We respect the intellectual property rights of others and expect others to do the same. We do not permit copyright infringing activities on this website and will, if properly notified, expeditiously remove or disable access to infringing content from this website. We may remove or disable access to content without prior notice.
COPYRIGHT INFRINGEMENT NOTIFICATION
In accordance with the Digital Millennium Copyright Act (DMCA), we will expeditiously respond to notices of alleged infringements that are reported to Kiplan Real Estate Consultants & Advisors Designated Copyright Agent (see Section 512(c)(3) of the DMCA or seek the assistance of counsel).
To file a copyright infringement notification with us, you will need to send a written communication that includes the following Notice and deliver it to the Designated Copyright Agent (Please note, the information provided in this Notice may be forwarded to the person who supplied the allegedly infringing content):
Notice of Copyright Infringement (Notice)
- Identify the copyrighted work that you claim has been infringed, or if multiple copyrighted works are covered by this Notice, you may provide a representative list of the copyrighted works that you claim have been infringed.
- Identify the material you claim is infringing (the subject of infringing activity) and that access to which is to be disabled, including at a minimum the URL from the website page where such material may be found.
- Provide information reasonably sufficient to permit us to contact you, or your authorized agent, including a name, address, telephone number and, if available, an email address.
- Include both of the following statements in the body of the Notice:
“I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use).”
“I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”
- Provide your full legal name and your electronic or physical signature, or a physical or electronic signature of a person authorized to act on your behalf.
Deliver this Notice, with all items completed, to our Designated Copyright Agent:
Kiplan Real Estate Consultants & Advisors, LLC.
2156 W. Park Court, Suite E Stone Mountain, GA 30087
Please note that under Section 512(f) of the DMCA any person who knowingly materially misrepresents that material or activity (content) is infringing may be subject to liability for damages.
PRODUCT DISPLAY AND INFORMATION
We attempt to display the products featured on our website as accurately as possible. However, we cannot guarantee that your monitor’s display of merchandise color, texture or detail will be accurate. On occasion, the website may contain incomplete information, typographical errors, or inaccuracies as to description, pricing, promotions, sizing, fabrication, color or availability. Prices, discounts and promotions may vary by shipping destination. We may change pricing, discounts and promotions at any time.
We reserve the right to refuse any order placed with us or to limit or cancel quantities purchased per person, per household, per credit card or per order. This may include orders placed by or under the same customer account, the same credit card, the same device and/or orders that use the same billing and/or shipping address. We may limit or prohibit orders that appear, in our sole judgment, to be placed by dealers, resellers or distributors. If we limit or cancel an order, we will attempt to notify you through the email, billing address or telephone number you provided when the order was placed. We may refuse to accept, place or cancel orders if evidence of potential fraud or misconduct exists, as determined in our sole discretion.
LINKS TO OTHER WEBSITES
This website may contain links to websites owned and controlled by third parties. These links are provided solely for your information and convenience.
DISPUTE RESOLUTION, CHOICE OF LAW AND FORUM
In the event of any claim, action or dispute related to or arising out of any kiplanrec.com transaction, your use of this website, or the breach, interpretation or validity of the Terms, (“Dispute”), the party asserting the Dispute will first attempt to resolve such Dispute in good faith, by providing written notice to the other party (via certified mail, return receipt requested or express delivery carrier) describing the facts and circumstances (including any relevant documentation) and allowing the receiving party at least thirty days in which to respond to or resolve the Dispute. If to Kiplan Real Estate Consultants & Advisors, notice will be sent to Kiplan Real Estate Consultants & Advisors, Attention: Legal Department, 2156 W. Park Court Suite E, Stone Mountain, GA 30087. If to you, notice will be sent to your last used billing address or the billing and/or shipping address in your online profile. Both you and Kiplan Real Estate Consultants & Advisors and its Affiliates agree that this dispute resolution procedure is a condition precedent to the filing of any litigation against the other. Any claim or action initiated by you related to or arising out of your use of this website or the Terms will be resolved only by state or federal courts located in Georgia. The Terms will be construed in accordance with the laws of the State of Georgia, without regard to any conflict of laws provision.
© 2019 Kiplan Real Estate Consultants & Advisors, LLC. All Rights Reserved.
Can a home depreciate in value?
Generally, real property never depreciates in value, or more so, it is not very common for property to depreciate. This is why it’s a great investment. Make sure you carefully consider location and community when choosing a home, it can effect the homes future value greatly.
If you are in a newly developed area, do some research on the construction of the surrounding areas being developed to determine if they may effect your homes value.
Is an older home as good a value as a new home?
This is really just a matter of preference, but both newer and older homes offer distinct advantages, depending upon your unique taste and lifestyle.
Older homes can generally cost less than new homes, however, there are many cases where new homes can also cost less then older homes. Most new homes will not have any backyard landscaping and some don”t include any front landscaping either. With an older home, the landscaping is normally already completed and could have 10”s of thousands of dollars in landscaping done, which is included in the purchase price.
Taxes on some older homes may also be lower. Some people are charmed by the elegance of an older home but shy away because they”re concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. A good Home Warranty plan protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.
In a new house, you can pick your own color schemes, flooring, kitchen cabinets, appliances, custom wiring for TV”s, electrical, computers, phones and speakers, etc., as well as have more upgrade options. Modern features like media rooms, extra-large closets and extra-large bathrooms and tubs are also more attainable in ground-up construction. In a used home, you rely largely on the previous resident”s tastes and technological whims, unless you plan to farm thousands into a remodeling and rewiring.
New-home designers can use new building materials such as glazed Energy Star windows, thicker insulation and other technology that will lower future energy costs for the owner. Most states now have minimum energy-efficiency requirements for new construction. Kitchens and laundry areas in new homes are designed to house more efficient energy-saving appliances. Older homes, unless they have undergone an energy retrofit, usually cost much more per square foot to air-condition and heat.
Builders have to follow very strict guidelines in new-homes and additions, especially in the West and Northwest, where earthquake safety standards must be observed. In general, new homes are usually more fire-safe and better accommodating of new security and garage-door systems.
Older homes can be better judged for their quality and timeless beauty. New homes that now possess a smooth veneer might reveal the use of substandard building materials or shoddy workmanship over time.
As you can see there are advantages and dis-advantages to each, but it really comes down to what fits you and what you are looking for in a home.
What is a broker?
An agent who is authorized to open and run his/her own agency. All real estate offices have one qualifying broker.
What is the difference between being prequalified and preapproved for a loan?
If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.
If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!
You will usually be provided an accurate figure which shows the maximum amount that you are approved for. Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.
What is title insurance?
Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.
How can I avoid private mortgage insurance?
The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.
These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.
While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.
How long does the loan process take?
Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.