Terms & Conditions

Acceptance of Terms

By accessing or using coldstonerealestateservices.com (the "Website"), you agree to these Terms & Conditions ("Terms"). If you do not agree, please do not use the Website.

About Coldstone & Entity Separation

Coldstone Real Estate Services is the public-facing brand and service platform. Coldstone itself is not a real estate brokerage, mortgage lender, title company, attorney or law firm, CPA firm, investment adviser, financial planner, or property-management company.

• Real estate brokerage activities are conducted by Frank J. Cotter, REALTOR-ASSOCIATE® and New Jersey Real Estate Salesperson.
• Mortgage loan-origination activities are conducted by Frank Cotter, Mortgage Loan Originator (NMLS #217083), through NEXA Lending LLC (NMLS #1660690).

References to services describe assistance provided through the appropriately licensed entity.

No Relationship Created by Use

Browsing the Website or submitting an inquiry does not create a brokerage relationship, an agency relationship, a mortgage application, a loan approval, or a commitment to lend. Any such relationship is established only through a separate written agreement or formal application with the appropriate licensed entity.

Real Estate Disclosures

Real estate brokerage services are provided under the New Jersey Real Estate License Act and applicable rules of the New Jersey Real Estate Commission. Frank J. Cotter is a New Jersey REALTOR-ASSOCIATE® and licensed New Jersey Real Estate Salesperson. Coldstone does not guarantee a sale price, the number of offers, a selling timeline, or any particular transaction outcome.

Mortgage Disclosures

Mortgage loan-origination services are provided through NEXA Lending LLC (NMLS #1660690). Frank Cotter is a Mortgage Loan Originator (NMLS #217083). All loans are subject to application, underwriting, approval, and applicable program terms. This is not a commitment to lend. Program availability, rates, terms, documentation requirements, and eligibility can change and are not guaranteed.

Specific rate, APR, or payment information is not provided on the Website unless separately verified and approved. Mortgage information is subject to applicable federal law, including the Truth in Lending Act, the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act, and the Gramm-Leach-Bliley Act, and applicable New Jersey law, including the New Jersey Residential Mortgage Lending Act.

Mortgage Calculator

The mortgage calculator is an educational tool that provides estimates only. It is not a rate quote, loan offer, approval, commitment to lend, or guarantee. Actual rates, payments, taxes, insurance, mortgage insurance, fees, eligibility, and terms may differ. Consult NEXA Lending LLC for specific loan terms.

Property Search & Third-Party Links

The Website may link to independent third-party property-search platforms. Property information is provided by independent third-party websites. Availability, pricing, status, and property details must be confirmed through the appropriate real estate professionals. Coldstone does not own or control these listings and is not responsible for their accuracy. The secure mortgage application portal is operated by NEXA Lending LLC and subject to its terms.

Intellectual Property

Website content, including text, graphics, the Coldstone logo, and design, is owned by or licensed to Coldstone Real Estate Services and protected by intellectual property laws. You may not copy, reproduce, or distribute content without prior permission.

Accuracy of Information

We strive to keep information current but make no warranties regarding completeness, accuracy, or reliability. Information may be updated without notice.

User Conduct

You agree not to misuse the Website, including submitting false information, attempting to disrupt access, or using automated tools to collect data without authorization.

Disclaimers & Limitation of Liability

The Website is provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, Coldstone Real Estate Services, NEXA Lending LLC, and Frank Cotter disclaim liability for damages arising from use of or reliance on the Website or any third-party content linked from it.

Indemnification

You agree to indemnify and hold harmless Coldstone Real Estate Services and the named entities from claims or damages arising from your misuse of the Website or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in New Jersey.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

Contact

Questions about these Terms can be directed to Coldstone Real Estate Services:

• Phone: 732-616-5009
• Email: frankcotter3@gmail.com