Terms and Conditions (Terms of Use)

Please read these Terms and Conditions carefully before accessing this website, registering for a webinar, or receiving any information from Yosemite Property Development, LLC / Kay Raetong.
By accessing or using any part of our services, you agree to be bound by these Terms and Conditions.

1. Educational Purpose Only

All content provided by Yosemite Property Development, LLC / Kay Raetong, including but not limited to webinars, presentations, emails, documents, videos, and downloadable materials, is for general educational and informational purposes only.

Nothing provided should be considered legal, financial, tax, investment, or mortgage advice.
You should consult with licensed professionals regarding your individual situation before making any financial or real estate decisions.

2. No Guarantee of Results

Any examples, explanations, or scenarios discussed are for educational purposes only.

Mortgage approval, loan terms, interest rates, and real estate outcomes depend on multiple factors including (but not limited to) credit history, income, assets, employment history, market conditions, and lender guidelines.

Yosemite Property Development, LLC / Kay Raetong does not guarantee loan approval, specific loan terms, home purchase success, or financial outcomes.

3. Webinar Registration and Communications

By registering for a webinar, downloading materials, or submitting your information through our website or forms, you consent to receive communications from Yosemite Property Development, LLC / Kay Raetong, which may include:

Email communications

Newsletters

Educational updates

Occasional marketing communications

SMS messages (only if you separately consent)

You may unsubscribe from emails at any time by using the unsubscribe link provided.
For SMS messages, you may reply STOP to unsubscribe.

4. Limitation of Liability

To the fullest extent permitted by law, Yosemite Property Development, LLC / Kay Raetong shall not be liable for any direct, indirect, incidental, consequential, or special damages resulting from:

The use or inability to use our content or services

Reliance on any information provided

Errors or omissions in content

Delays or interruptions in service

Use of our services is at your own risk.

5. Intellectual Property

All content, materials, branding, text, graphics, videos, and documents provided by Yosemite Property Development, LLC / Kay Raetong are protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, or republish any materials without prior written consent.

6. Third-Party Links

Our website or materials may contain links to third-party websites.
We are not responsible for the content, accuracy, or privacy practices of those external sites.

7. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

8. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice.
Changes will be effective immediately upon posting to this page.

9. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles.

10. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

Yosemite Property Development, LLC
Attn: Kay Raetong
📧 Email: [email protected]