• Boston DPA Consulting strives to empower clients and visitors with valuable information and guidance. However, it is crucial to understand the following disclaimers and limitations regarding our services, the content on our website, and any communications you have with us. By using our website or engaging with us, you acknowledge and agree to these terms:

• 1. Not Financial, Legal, or Tax Advice:

Boston DPA Consulting is not a law firm, not a financial advisory firm, and not a tax agency. We are consultants specializing in down payment assistance programs and related homebuying resources.

Any information provided on our Site (bostondownpayment.org), in our materials, or during consultations is for informational and educational purposes only. It should not be construed as financial planning advice, legal advice, tax advice, or investment advice.

We do not provide analysis or recommendations on your overall financial plan beyond the scope of down payment funding (for example, we won't tell you how to invest your savings or whether you can afford a particular house – those decisions are yours and possibly your financial advisor’s).

Any mention of interest rates, loan types, or financial figures is illustrative. Always consult with a licensed mortgage professional or financial advisor for advice tailored to your financial situation.

We strongly advise you to consult appropriate licensed professionals:

• an attorney for legal advice (especially regarding contracts, property law, etc.),

• a certified financial planner or advisor for comprehensive financial planning or investment advice,

• and a tax professional or CPA for advice on tax implications (e.g., whether a grant is taxable, how homeownership affects your taxes).

• 2. No Real Estate Brokerage or Agency Relationship:

While our Director, Marouane Bah, is a licensed real estate broker in Massachusettbostondownpayment.org】, Boston DPA Consulting’s engagement with you is as a consulting service, not as a real estate broker/agent unless explicitly agreed in a separate brokerage contract.

This means when you interact with us, we are not representing you in the purchase or sale of real estate. We do not act as your buyer’s agent or seller’s agent through our consulting agreement by default.

We may provide referrals to real estate agents or give general advice about the homebuying process, but that does not create an agency relationship. Any real estate brokerage services (like submitting offers, negotiating deals) would require a separate agreement subject to real estate brokerage regulations.

You should engage a licensed real estate agent to represent you in any property transaction. Our consulting complements but does not replace the services of a real estate agent.

Nothing on our Site should be taken as an offer to perform real estate brokerage in states or jurisdictions where we are not licensed. Our focus is on down payment assistance consulting.

• 3. No Guarantee of Results or Homeownership:

Every client’s situation is unique. Boston DPA Consulting does not and cannot guarantee:

• That you will qualify for or receive any down payment assistance grant, loan, or program. We help identify and apply to opportunities, but final decisions rest with external program administratornationalsweepstakescompany.com】.

• That you will successfully purchase a home. Many factors in homebuying are beyond our control or yours (such as market conditions, seller decisions, loan underwriting, program availability). We assist in one aspect (down payment funding), but homeownership is a complex process with no assured outcome.

• Any specific dollar amount of assistance. Even if we cite ranges like "$50k-$150k possible," those figures are examples based on past datbostondownpayment.org】. What you might obtain could be less, the same, or more, or nothing at all. It depends on eligibility, funding availability, effort, and sometimes luck.

• Timeline for results. We cannot promise that assistance will be secured by a certain date (like “within 3 months you’ll have X dollars”). Program application and approval times vary widely. Buying a home can take longer than anticipated, especially when aligning with assistance program schedules.

• Sweepstakes/Promotions: If you are participating in any promotional drawings or conditional refund offers we provide (e.g., a chance to win your fee back), those are entirely games of chance or dependent on external events (like a sports outcome). There is no guarantee you will win any prize or get a fee refund from those promotions. (Official Rules govern those promotions, and “no purchase necessary” means non-clients have equal chancgleam.io】; your purchase of our service is not a guarantee or even an advantage for winning a prize.)

• 4. Program Eligibility and Availability:

Down payment assistance programs are administered by various third parties (government agencies, nonprofits, lenders) and each has its own rules.

• Eligibility Requirements: We will educate and guide you based on published criteria (income limits, first-time buyer status, credit, location, etc.), but we do not have the final say on whether you meet a program’s requirements. Even if we preliminarily think you qualify, the program administrators make the ultimate determination. There may be nuances or changes in criteria that we are not immediately aware of (though we try to stay current).

• Funding and Program Changes: Programs can change or end without notice. Funds can run out (some operate on first-come, first-served or have finite pools of money). We might identify a great grant for you, but if that program’s funds are exhausted or legislation changes, you might not receive it. That is outside our control.

• External Factors: Your success may depend on factors like interest rates, housing inventory, your creditworthiness for a mortgage, etc. We do not control those factors. For example, if interest rates rise or home prices increase, the assistance you secure might not stretch as far – that risk exists and is not something we can prevent.

• No Affiliation Warranty: We are independent consultants. Although we might work closely with some program agencies or have knowledge of them, we do not operate any government or lender DPA programs ourselves (unless explicitly stated for a specific company initiative). Mention of specific programs (e.g., “MassHousing grant” or “FHLB program”) is for informational purposes; we do not speak for those entities.

If a program we help you with denies your application or fails to disburse funds, Boston DPA Consulting is not liable for that outcome. We do our best to increase your chances, but we cannot force any third party to approve or fund an applicationationalsweepstakescompany.com】.

• 5. No Liability for Your Decisions:

You are responsible for the financial and real estate decisions you make. Boston DPA Consulting will present options and suggestions, but ultimately:

• Decision to Buy or Not: Only you (and your family/financial advisors) can decide whether buying a home at a given time is right for you. We cannot promise that buying now is better than waiting, or vice versa.

• Choice of Programs: We might suggest applying to multiple programs. You choose whether to pursue all, some, or none of them. Opting not to follow a suggestion (or following it) is your choice, and you accept any outcomes of that choice.

• Use of Funds: If you do receive assistance, how you apply it (down payment vs. closing costs, etc.) is generally determined by program rules and your lender’s guidelines. We provide guidance, but the final use is arranged in the transaction process. We are not responsible for ensuring the funds are applied in the most financially advantageous way for you (though we will advise on typical usage).

• No Fiduciary Duty: Our consulting relationship does not create a fiduciary duty. We aim to act in your best interest and with utmost good faith, but this is not a legally fiduciary relationship like that of an attorney-client or trustee-beneficiary. You should continue to exercise your own judgment and, when needed, seek independent second opinions on major decisions.

• 6. Past Performance Not Indicative of Future Results:

On our website or in discussions, we often share success stories or statistics (e.g., “Client X secured $40k in Dorchesterbostondownpayment.org】, or “We’ve helped clients access $Y amount of funding”). Please note:

• These examples are truthful but may not be typical or replicable in every case. They are meant to illustrate possibilities, not guaranteed outcomes.

• Just because one client got a certain amount doesn’t mean every client will get that amount. The circumstances differ.

• Economic conditions, program budgets, and client profiles change over time. A program that was plentiful last year might be competitive this year.

• No client is guaranteed the same success as any other. We caution against assuming “everyone gets something” or budgeting for a grant until it’s actually approved.

• Any projections or forward-looking statements about potential outcomes are speculative. You should not base financial decisions (like how much home to buy or how much to save) solely on an expectation of receiving assistance through us.

• 7. Third-Party Information and Links:

Our content may reference third-party data or include links (e.g., to program websites, government data, or partner sites). We strive to reference reputable sources, but:

• We cannot guarantee the accuracy or completeness of information from third parties. If we say “according to HUD, there are X programs in MA,” that info could become outdated or be slightly off.

• Links are provided for convenience. We don’t endorse or control external sites. See our Terms of Service’s Third-Party Links section for more details.

• If a third-party site (like a city agency page) has different terms or interpretation of a program than what we believed, defer to the official source. We disclaim liability for any differences.

• 8. No Client-Professional Relationship from Website Use:

Simply reading our website, downloading materials, or contacting us does not make you a client of Boston DPA Consulting. A client relationship is only formed after you sign a service agreement with us and pay any required fee.

Until that point, any information we provide (such as an email reply to an inquiry or advice given in a free consultation call) is preliminary and provided as-is without the full scope of a paid engagement. We try to be accurate, but our liability is limited as noted and no privileges (like attorney-client privilege, clearly) apply.

Non-clients should verify information independently and understand that we have no contractual responsibility to them.

• 9. Testimonials and Endorsements:

Any testimonials from clients on our site or in promotional material reflect those individuals’ real experiences, but they are individual results.

• Not Guaranteed Results: As stated, another person’s success doesn’t guarantee your success. Testimonials are meant to illustrate potential, not to promise the same outcome to you.

• We have not fabricated any testimonial, and where possible, we paraphrase or anonymize per client consent (e.g., first name, last initial). But remember, even if every client in a testimonial was happy and got money, you could still have a different experience (positive or negative) due to the variables mentioned.

• If we ever offer any referral or affiliate products (not common in our niche, but e.g., if we partnered with a credit repair service), we would disclose any compensation. As of now, we primarily refer to free or external services with no kickbacks. But disclaim any impression that third-party services we mention are endorsed or guaranteed by us.

• 10. Limitation of Liability (Use at Your Own Risk):

To reiterate from our Terms:

• Boston DPA Consulting is not liable for any losses you incur from following or not following our advice, beyond maybe refunding fees in certain contractually agreed scenarios (like our Tier 3 guarantee, which itself is limited to fee refund as sole remedy).

• Using our service or info is at your own risk. We aim to reduce that risk by providing quality guidance, but cannot eliminate it.

• If you suffer damages (financial loss, missed opportunity, etc.), our liability is limited as per our contracts (often limited to the fee you paid us, if any). We do not accept liability for consequential or indirect damages such as lost profits, emotional distress, or opportunity costs, except as prohibited by law.

• See Terms of Service and your client agreement (if applicable) for formal liability limitations. This disclaimer section is meant to make sure you understand that risk of your real estate decisions ultimately falls on you.

• 11. No Warranty on Information:

While we put significant effort into maintaining accurate, current information (program terms, eligibility criteria, deadlines, etc.), we do not warrant that any information on our website or in communications is error-free or complete.

• Programs can change faster than we can update. Always double-check critical info with official sources (like program administrators or official program guidelines).

• We provide no warranty that our website will be available at all times or that it’s free of viruses (though we certainly strive for secure, smooth operation).

• Any downloadable content is scanned for malware on our end, but you should use antivirus protection when downloading files from any source.

• 12. Insurance and Conditional Guarantees:

We sometimes mention that certain promotions or refunds are “insured” (for instance, a conditional refund if the Red Sox win). This is a behind-the-scenes note that we might have insurance to cover such payout, but:

• It does not change your rights or odds as a participant. It's simply our risk management. If the event happens, we pay you (and then the insurer reimburses us). If it doesn’t, no payout.

• You cannot make a claim directly to our insurer or rely on that insurance; your only claim is with us under the rules of the promotion.

• We make no additional warranty beyond what the Official Rules of a promotion state, even if insured. The phrase “insurance-backed” is informational, not a separate guarantee to you.

• 13. Professional Credentials:

Our team’s credentials (e.g., Marouane’s broker license, SEC-registered portal operator status, educator rolebostondownpayment.org】) are provided to demonstrate expertise, but:

• Those roles have their own regulatory scope. For instance, being an SEC-Registered Reg CF Portal Operator pertains to a separate business dealing with crowdfunding, which is distinct from our consulting service. It does not imply that our consulting service or advice is reviewed or endorsed by the SEC or any governmental body.

• The mention of being a “Boston Realty Institute Educator” means we have experience teaching; it’s not a regulatory designation, and it doesn’t mean the Institute or any academic body accredits our consulting content.

• You should treat our advice as coming from experienced consultants, but not as infallible or officially vetted by government agencies (unless we specifically quote an agency’s guidelines).

• 14. Use of Website and Materials:

Please also note the disclaimers and terms regarding our website usage (outlined in our Terms of Service). To summarize:

• Information on the site may become outdated – verify critical facts.

• We reserve the right to correct errors on the site or in communications (if we discover an error in an email we sent you with numbers, we’ll correct it when known).

• Any personal or financial decisions made based on info from our site without direct consultation are at your risk.

• 15. Consent and Acknowledgment:

By engaging with Boston DPA Consulting (whether just via the website or as a client), you acknowledge that you understand and agree to all the points above:

• You understand our role and its limitations.

• You will not hold us liable for outcomes beyond the scope of our agreements.

• You take responsibility for actions you take following our guidance.

If you ever feel unclear about any advice or content we provide, we encourage you to ask questions or seek independent advice. Our goal is to support you, and part of that is making sure you have realistic expectations and a clear understanding of what we do (and don’t do).

• In Plain Language:

We’re here to help you navigate down payment assistance and we put our full effort into your success. But we can’t promise the moon. There are many factors we can’t control, and sometimes things won’t pan out as hoped. We’ll advise you based on our knowledge and experience, but ultimately you must make decisions and accept that with any opportunity comes risk. Use our advice as one input, not a guaranteed solution. Always feel free to get a second opinion on big decisions. We want you to succeed and will do our best – just remember, we’re guides on this journey, not magicians.

If you have any questions about these disclaimers or want further clarification on what to expect, please contact us. We’re happy to discuss any concerns to ensure you’re comfortable and informed.

(This Disclaimer is provided prominently (via a footer link on our website and as part of client onboarding materials) to make sure users and clients understand the scope and limits of our services. By being transparent about these points, we aim to prevent misunderstandings and ensure a professional, trusting relationship.)