Realty Guardian®

Guardian Agent Terms of Service

These Terms of Service (“Terms”) govern your use of the Realty Guardian® website, your request for a Guardian Agent, and your participation in any Realty Guardian® safeguards program features (if offered for your transaction). By submitting a form, requesting a match, or using Realty Guardian® services, you acknowledge that you have read and agree to these Terms.

1. Definitions

For clarity, the following definitions apply:

• “Realty Guardian®” refers to Realty Guardian®, a division of Swift & Associates Ventures Corp.
• “Guardian Agent” refers to an independently licensed real estate agent or broker who elects to participate in the Realty Guardian® program through their own brokerage.
• “Client” refers to any buyer or seller requesting or engaging a Guardian Agent.
• “Safeguards” refers to non-insurance program features that may include structured support, educational guidance on common transaction risks, and potential reimbursement considerations — only where offered and only as defined by separate plan terms, eligibility requirements, limits, and exclusions.
• “Transaction” refers to a real estate purchase, sale, or attempted transaction involving a Guardian Agent.
• “Plan Terms” refers to the official safeguard plan terms, disclosures, eligibility definitions, exclusions, limits, and any required forms that control safeguard availability and reimbursement (if any).

2. Nature of Realty Guardian® Services

Realty Guardian® is not a real estate brokerage, not an insurance company, and not a law firm or legal services provider. Realty Guardian® may:

• Facilitate introductions between Clients and Guardian Agents, based on availability and location.
• Provide program information and educational guidance about common transaction risks (including fraud awareness, where applicable).
• Administer price-based safeguard tiers and related program processes, where offered and as defined by Plan Terms.

What Realty Guardian® does not do

• Provide real estate representation, fiduciary duties, or brokerage supervision.
• Provide legal, tax, accounting, or financial advice.
• Guarantee transaction outcomes, timelines, pricing, or closings.

3. Guardian Agents are independent

Guardian Agents are independently licensed real estate professionals operating through their own brokerages. They are not employees, partners, or agents of Realty Guardian®. Your representation relationship (including fiduciary duties, disclosures, and contractual obligations) exists solely between you and the Guardian Agent and their brokerage.

4. No insurance relationship

Safeguards are not insurance, warranties, or guarantees. Realty Guardian® does not issue insurance policies. Safeguards do not replace homeowners insurance, title insurance, or any professional liability coverage.

5. Safeguards are price-based and not negotiated

Where safeguards are offered, tier levels are assigned administratively based on transaction price (listing price or sales price, as defined by the program and Plan Terms). Clients do not select, upgrade, or negotiate safeguard tiers.

6. Safeguards scope, eligibility, and Plan Terms control

Realty Guardian® safeguards are designed to address real transaction risks that can occur before, during, or (in certain defined situations) after closing. Examples of risks may include inspection and financing disruption, timing and logistics costs, fraud attempts (including wire fraud scenarios), and defined legal consultation needs. However:

• Not every safeguard applies to every transaction or event.
• Any potential reimbursement (if offered) requires eligibility and documentation as defined by Plan Terms.
• Plan Terms, limits, exclusions, and required procedures control — this page is not the benefit contract.

7. No guarantee of results

Real estate involves inherent risks, including third-party delays and outcomes outside anyone’s control. Realty Guardian® does not guarantee:

• That a property will sell or that a buyer will close.
• That inspections, appraisals, financing, or underwriting will succeed.
• That a Guardian Agent will meet subjective expectations or deliver a particular result.

8. Client responsibilities

Clients agree to:

• Provide accurate and truthful information.
• Respond in a timely manner to requests from their Guardian Agent, lender, title company, and other parties.
• Review and understand all contracts, disclosures, and documents before signing.
• Seek independent legal or tax advice when appropriate.
• Maintain documentation when required for any safeguard eligibility (receipts, invoices, proof of payment, event details), as defined by Plan Terms.

9. Limitation of liability

To the maximum extent permitted by law, Realty Guardian® is not liable for:

• Acts or omissions of Guardian Agents, their brokerages, or third parties.
• Failed, delayed, or cancelled transactions; missed opportunities; or market losses.
• Actions of lenders, inspectors, appraisers, title companies, contractors, HOAs, municipalities, or other third parties.
• Any indirect, incidental, special, consequential, or punitive damages.

Claims arising from real estate representation must be directed to the Guardian Agent and/or their brokerage, not Realty Guardian®.

10. Communications & consent

By using Realty Guardian®, you consent to receive calls, emails, and text messages related to your request, matching, and administrative follow-up. Message and data rates may apply. You can opt out of marketing messages at any time; however, transactional/admin messages may still be sent as permitted by law.

11. Privacy & data use

Client information is used to facilitate matching, communication, and program administration. Realty Guardian® does not sell Client information. Use may be subject to a separate Privacy Policy if posted on this website.

12. Termination / refusal of service

Realty Guardian® may decline, discontinue, or terminate access for any reason not prohibited by law, including misuse, misrepresentation, abuse, or program integrity concerns. Realty Guardian® may also remove Guardian Agents from participation. Termination does not create liability for Realty Guardian®.

13. Governing law

These Terms are governed by the laws of the State of Kansas, without regard to conflict-of-law principles.

14. Updates to Terms

These Terms may be updated periodically. Continued use of Realty Guardian® after changes are posted constitutes acceptance of the current version.

15. Contact information

This page is a general summary of service terms. If Plan Terms conflict with any general description on this page, the Plan Terms control for safeguards eligibility and any reimbursement (if offered). Realty Guardian® is not insurance.