Review the terms for using the first-time buyer website, submitting buyer forms, receiving AI-assisted follow-up, and reading general real estate information.
Last updated: June 20, 2026
These Terms of Use (“Terms”) govern your use of this website and any forms, pages, tools, content, communications, and lead follow-up workflows provided by Ruiz & Associates (“Ruiz & Associates,” “we,” “our,” or “us”). By using this website or submitting information, you agree to these Terms.
This website provides general real estate information, lead intake, and follow-up for rental locator services, first-time buyer guidance, down payment assistance education, and related real estate support. The website is not a lender, credit repair company, law firm, tax advisor, financial advisor, government agency, or program administrator.
Information on this website is educational and general in nature. We do not guarantee rental approval, home purchase approval, mortgage approval, down payment assistance eligibility, program availability, property availability, pricing, rental terms, loan terms, closing timelines, or any specific result. Program rules, funding, property availability, market conditions, landlord requirements, and lender requirements can change at any time.
When you submit a form, your information may be reviewed by Ruiz & Associates and may be processed by an AI voice agent, automated calling system, text system, email system, our internal lead-management software, or another internal lead-management software system. The AI voice agent may call to verify your information, ask clarifying questions, collect missing details, and help route your request to the appropriate next step through Ruiz & Associates’ internal systems.
You agree that the information you submit is accurate and that you are authorized to provide it. Do not submit information for another person unless you have permission.
By submitting a form, checking any consent box, or otherwise requesting contact, you authorize Ruiz & Associates and its service providers to contact you by phone, text, email, AI or automated voice agent, prerecorded/artificial voice where permitted, and manual outreach using the contact information you provide. Consent is not required as a condition of buying, selling, renting, or receiving services. Message and data rates may apply. You may opt out at any time.
Ruiz & Associates supports Equal Housing Opportunity and does not intend to discriminate in violation of federal, state, or local fair housing laws. Users may not use this website or our services to request, encourage, or participate in discriminatory housing practices.
We may use third-party systems for hosting, forms, telephony, AI voice calls, lead-management software, email, SMS, analytics, scheduling, lender coordination, program information, and other business operations. We are not responsible for third-party websites, services, availability, errors, or content.
All website content, layout, copy, graphics, images, branding, and design elements are owned by or licensed to Ruiz & Associates unless otherwise stated. You may not copy, modify, distribute, or use content for commercial purposes without permission.
The website and its content are provided “as is” and “as available.” We do not warrant that the website will be uninterrupted, error-free, secure, complete, or current, or that any information will meet your specific needs.
To the fullest extent permitted by law, Ruiz & Associates and its owners, agents, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunities, or reliance on website content.
You agree to defend, indemnify, and hold harmless Ruiz & Associates and its owners, agents, service providers, and affiliates from claims, losses, liabilities, damages, costs, or expenses arising from your misuse of the website, violation of these Terms, or submission of inaccurate or unauthorized information.
We may update these Terms from time to time. Continued use of the website after updates means you accept the revised Terms.
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles, unless applicable law requires otherwise.
Questions about these Terms can be discussed by calling (305) 267-4848.
