This website ("www.property-report.com") is an on-line information and communication service provided by Ensign Media Co. Ltd. Please read the terms and conditions carefully. Your use of this website is governed by the terms and conditions. Your use of the website signifies your agreement to the terms and conditions.

In this terms and conditions, the words "you" or "your" mean you the customer/borrower. The words "us," "we," and "our" mean Ensign Media Co. Ltd; its subsidiaries and affiliates.

This website, www.property-report.com ("the site") is a public site with free access and we assume no responsibility for the quality and genuineness of the listings and responses.

We may monitor your use of the site, and may freely use and disclose any information and materials received from you or collected through your use of the site for any lawful reason or purpose. We may remove from the site any postings which we deem inappropriate or unsuitable, without notice or liability.

We cannot monitor the responses that you may receive in response to the information you displayed on the site. You have to conduct your own background checks and verification on the bonafide nature of all listings and responses. We do not guarantee that your listings will receive any response at all.

We will not be liable for any inaccuracy of information on the site. It is your responsibility to further research and verify the information on the site.

We are not responsible for any breach of privacy or of the information provided by you to us to be placed/listed on the site by technical or any other means. We do not guarantee the confidentiality of such information.

You acknowledge that transmission of information to and from the site are not confidential and your information may be read or intercepted by others. You acknowledge that by submitting information to us, no confidential, fiduciary, contractually implied or other relationship is created between you and us other than pursuant to the terms and conditions. Your use of the site does not confer exclusivity of service upon you.

We do not share your personal information with anyone except with those acting as our agents in providing our service to you or to law enforcement and statutory authorities as required by law. The use of your personal information is governed by our privacy policy which is a part of this terms and conditions.

You will not utilize the services offered by us in any manner so as to impair the interests and functioning of the site. You will not duplicate, download publish, modify and distribute material on the site unless specifically authorized by us in this regard. You will not to establish any link or other connection to any page of the site other than the home page without obtaining prior consent from us.

We use various technological methods for the security of the site. You agree not to circumvent these methods.

You will use the site only for your own purposes. Using content from the site for derivative works with a commercial motive without prior written consent from us is strictly prohibited.

The services offered by us shall not be utilized to upload, post, email, transmit or otherwise make available either directly or indirectly, any unsolicited bulk e-mail/message or unsolicited commercial e-mail/message. We reserve the right to filter and monitor and block the emails sent by you/user using the servers maintained by us to relay email/messages. You shall make all attempts to abide by international best practices in containing and eliminating spam.

You agree to not use the site to:

1. Upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
2. Harm minors in any way;
3. Impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity;
4. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the site;
5. Upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements;
6. Upload, post, email, transmit or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
7. Upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those areas that are designated for such purpose.
8. Upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
9. Disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the site are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
10. Interfere with or disrupt the site or servers or networks connected to the site, or disobey any requirements, procedures, policies or regulations of networks connected to the site;
11. Intentionally or unintentionally violate any applicable local, state, national or international law and any regulations having the force of law;
12. "stalk" or otherwise harass another person or user; and/or
13. Collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs a through l above.

You also agree that you are solely responsible for actions and communications undertaken or transmitted in the course of your usage of this site, and that you will comply with all laws that apply or may apply to your use of or activities on this site.

You expressly state that the information provided in the listings made by you on the site is correct and complete in all respects and does not contain any false, distorted, manipulated, fraudulent or misleading facts or averments. We expressly disclaim any liability arising out of the listings by you. You agree to indemnify us for all losses incurred by us due to any false, distorted, manipulated, fraudulent or misleading facts or averments made by you on the site.

You are solely responsible for maintaining confidentiality of your username and password. You will be solely responsible for carrying out any online or off-line transaction involving credit cards/debit cards or such other forms of instruments or documents for making such transactions and we assume no responsibility or liability for improper use of credit cards/debit cards used by the you online/off-line.

You hereby specifically agree that you shall, at all times, comply with the requirements of the various applicable laws. You are solely responsible for obtaining, at your own cost, all licenses, permits, consents, approvals and intellectual property or other rights as may be required for using the site.

You are prohibited from posting or transmitting information or software, which contains a computer virus, or a contaminant, worm or other harmful components on the site.

We are not responsible for any spam emails or virus which may contain a link to the site.

The site may provide links to other world wide web sites or resources. Since we have no control over such sites and resources, you acknowledge and agree that we are not responsible for the availability of such external sites or resources, and we do not endorse and are not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

We will make all efforts to do so but do not warrant that the site or any network system linked to it is free of any operational errors nor do we warrant that it will be free of any virus, computer contaminant, worm, or other harmful components. We give no guarantee that the server or applications of the site shall working properly at all times. All is on a best effort basis and liability is limited to refund of amount only in the case of paid listings. We undertake no liability for free listings and services.

You hereby grant us a perpetual, worldwide, irrevocable, unrestricted, non-exclusive, royalty free license to use, copy, license, sublicense, adapt, distribute, display, publicly perform, reproduce, transmit, modify, edit and otherwise exploit any information listed or transmitted through the site, in all media now known or hereafter developed. You hereby waive all rights to any claim against us for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights, and rights of attribution in connection with such information.

The site is a public site and all information posted on it goes to the public domain except the information/data which is specifically assigned a non-public or private character.

We are not responsible for the success or failure of your business decisions relating to any information presented by us through the site. The site should be carefully considered and evaluated, before reaching a business decision, on whether to use the information and contents provided by us through the site. There can be no assurance that any prior successes, or past results can be used as an indication of your future success or results. Monetary and income results are based on many factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, or your business skills or practices. Therefore we do not guarantee or imply that you will get rich, that you will do as well, or make any money at all. There is no assurance you will do as well. All businesses have unknown risks involved, and are not suitable for everyone. You could experience significant losses, or make no money at all. Use caution and seek the advice of qualified professionals. You agree that we are not responsible for any success or failure that you or your business may experience as a result of using the site.

We will not be party to any legal proceedings between you and a party contacted or contracted through the site. In case we are implicated in any legal proceedings, costs will be recovered from the party that names us. We however will abide with any court order served on us through due process.

You agree to defend, indemnify and hold harmless Ensign Media Co. Ltd, its directors, officers, employees, representatives, contractors, affiliates, successors or assigns, including all third parties mentioned at this site, from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of this site and the content or your breach of these terms and conditions or in connection with your use of the site.

We have no agents and do not operate through any agents save for those specifically mentioned on the home page of the site.

The site is protected by copyright as a collective work and/or compilation, pursuant to U.S. Copyright laws, international conventions, and other copyright laws. The contents of the site are protected by copyright, and are either owned, controlled or licensed by us. You will abide by any and all additional copyright notices, information, or restrictions contained in any of the contents. Unless otherwise explicitly stated on the site, you may print but may not otherwise download the content without our express written consent provided that you maintain all copyright and other notices contained in such content.

Upon your first visit to the site, a cookie is sent to your computer that uniquely identifies your browser. A "cookie" is a small file containing a string of characters that is sent to your computer when you visit a website. We use cookies to improve the quality of our service and to better understand how people interact with us. We do this by storing user preferences in cookies and by tracking user trends and patterns of how people search. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features or services of the site may not function properly without cookies.

We may change, suspend or discontinue any aspect of the site or your use of the site at any time, including the availability of any of the site feature, database, or content. We also reserve the right to impose limits on certain features and services or restrict your access to parts or all of the site without notice or liability.

We reserve the right to amend/alter or change this terms and conditions at any time without any prior notice.

This terms and conditions and the relationship between you and us shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this terms and conditions shall be an appropriate court located in the United Kingdom.

This terms and conditions regulate the usage of the site and supersedes all prior terms and conditions/agreements. Any cause of action you may have with respect to your use of the site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this terms and conditions, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect. Any person using the site in violation of the stipulations contained in this terms and conditions shall render himself/herself liable to appropriate action in a court of law both civil and criminal.

Privacy Policy

We have established this privacy policy so that you can understand how we intend to treat your personal information.

Personal information means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home or other physical address and an email address or other contact information, whether at work or at home. In general, you can visit the without telling us who you are or revealing any personal information about yourself.

If you choose to provide us with your personal information on the web, we may transfer that information within ourselves or to our third-party service providers anywhere in this world.

We strive to comply with all applicable laws around the globe that are designed to protect your privacy. Although legal requirements may vary from country to country, we intend to adhere to the principles set forth in this online privacy policy even if, in connection with the above, we transfer your personal information from your country to countries that may not require an "adequate" level of protection for your personal information. In other words, our goal is to provide protection for your personal information no matter where that personal information is collected, transferred, or retained.

We use this information to:

1. Improve and customize the content and layout of the site and other materials.
2. Notify you of updates to the site.
3. Notify you of relevant products and services.
4. Notify you of upcoming events and programs.

Under no circumstances will we sell or receive payment for licensing or disclosing your personal information. We will not rent or sell your personally identifying information to other companies or individuals, unless we have your consent. We may share such information in any of the following limited circumstances:

1. We have your consent.
2. We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this privacy policy and appropriate confidentiality and security measures.
3. We are required to do so by law.
4. We have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of Ensign Media Co. Ltd, its users or the public.

We may at our discretion provide other users of the site with a referral directory of all users. Any information you post on the site may at our discretion be opened to the public and we may at our discretion permit the public to use such information.

Credit information that you and credit authorizers provide when you make payments by credit card or electronic check for products, dues or other services via the site will only be used to process the transactions you request.

While we cannot guarantee privacy perfection, we will address any issue to the best of our abilities as soon as possible.

By using this site, you consent to the terms of this privacy policy and our processing of personal information for the purposes given above as well as those explained where we collect personal information on the site. Should the privacy policy change, we will take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on the site for a reasonable period of time.

Refund Policy

We fully guarantee the quality of the site. If you are not 100% satisfied with the quality of the site, you must notify us within three (3) days from joining giving reasons to obtain a refund. Refund if any is at sole discretion of Ensign Media Co. Ltd. No refund will be given after three (3) days from joining. A processing fee of $10 will be charged for every refund. If you violate any terms and conditions, any amount already paid by you will be forfeited.

Chargeback Policy

If you place a chargeback with your credit card company (on purpose or by mistake) for a listing that you inserted on the site, there will be a $10 research fee charged to your account upon reversal of the chargeback by our merchant provider to cover our investigative expenses to prove that you did insert the listing. NO EXCEPTIONS - If you do not remember inserting the listing - call us BEFORE calling your bank.