Terms & Conditions
Last updated: March 2026
1. Acceptance of Terms
By accessing or using this Buyer Toolkit website operated by The Whalley Group ("we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of the site immediately.
2. Informational Purposes Only
The content on this site — including timelines, checklists, mortgage guides, and educational resources — is provided for general informational purposes only. It does not constitute legal, financial, tax, or investment advice. You should consult qualified professionals (attorney, lender, CPA, etc.) for advice specific to your situation before making any real estate or financial decision.
3. Real Estate Disclaimer
David Whalley is a licensed REALTOR® in the state of Georgia. Information on this site is not a solicitation to residents of any jurisdiction where such solicitation would be prohibited. Market conditions, mortgage rates, and transaction processes change frequently — information presented here may not reflect current conditions and should be independently verified.
4. No Agent–Client Relationship
Use of this website does not create an agent–client or fiduciary relationship. An agency relationship is only established through a written buyer representation agreement signed by both parties.
5. Mortgage & Lender Information
Any lender information, mortgage calculators, or loan estimates on this site are provided for illustrative purposes only and do not constitute a loan commitment or guarantee of any specific rate or terms. All lending decisions are made solely by the applicable lender and are subject to credit approval.
6. Intellectual Property
All content on this site — including text, graphics, logos, and code — is the property of The Whalley Group or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
7. Third-Party Links
This site may link to third-party websites for your convenience. We do not endorse and are not responsible for the content, accuracy, or practices of any linked third-party site.
8. Limitation of Liability
To the fullest extent permitted by law, The Whalley Group and David Whalley shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — this site or its content. Your use of this site is at your sole risk.
9. Disclaimer of Warranties
This site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses.
10. Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts of Chatham County, Georgia.
11. Changes to These Terms
We reserve the right to modify these Terms at any time. The "Last updated" date at the top reflects the most recent revision. Continued use of the site after changes are posted constitutes your acceptance of the revised Terms.
12. Contact Us
If you have any questions about these Terms & Conditions, please contact:
The Whalley Group
David Whalley, REALTOR®
Savannah, Georgia