Terms of Use

Effective date: [November 03, 2026]

These Terms of Use govern your use of www.lubasf.com (the “Site”), operated by Luba Muzichenko, a real estate agent with City Real Estate (“we”, “us”). By using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. About us and agency relationships

Luba Muzichenko is a real estate salesperson licensed by the California Department of Real Estate (DRE #01768716). Luba works under City Real Estate, the responsible broker.

Using the Site, submitting a form or contacting us does not by itself create an agency or client relationship. An agency relationship begins only when you and we agree to one, usually in a written agreement. Before then, please do not share confidential information, such as the most you would pay or the least you would accept, that you would not want disclosed to other parties.

The Site provides general information only. It is not legal, tax, financial or lending advice. Consult a qualified professional about your own situation.

2. Listings, IDX data and valuations

Listing information. Property listings on the Site come in part from the Internet Data Exchange (IDX) program of [CA – San Francisco Association of REALTORS® (SFAR (San Francisco))] provided through [iHomefinder]. Some listings shown are held by brokerages other than City Real Estate. Listing data is believed to be reliable but is not guaranteed. It may be incomplete, outdated or contain errors, and properties may already be sold, withdrawn or under contract. IDX information is provided for consumers’ personal, non-commercial use, and only to identify properties they may be interested in buying. [Add the exact disclaimer text and update timestamp your MLS requires.]

Please verify all details, including square footage, lot size, school assignments, zoning, permits and HOA terms, through your own inspection and due diligence.

Home valuations and tools. Home value estimates, mortgage calculators and market statistics on the Site are for general information only. A home valuation is an opinion of likely market value. It is not an appraisal and should not be relied on for lending, tax or legal purposes. Actual sale prices depend on market conditions, property condition and negotiation.

3. Fair housing and acceptable use

Equal housing opportunity. We are committed to the letter and spirit of the federal Fair Housing Act and California fair housing laws. We do not discriminate on the basis of race, color, religion, sex, gender identity or expression, sexual orientation, national origin, ancestry, familial status, disability, marital status, source of income, age, military or veteran status, genetic information or any other characteristic protected by law. If the Site is hard to use because of a disability, contact us and we will provide the information another way.

Acceptable use. You agree not to:

• copy, scrape, harvest or republish listing data or other Site content, including by automated means, except as allowed by these Terms;
• use the Site or its data for any commercial purpose, including building a competing database;
• submit false information or impersonate another person;
• send spam, malware or unlawful content through Site forms;
• interfere with the Site’s security or operation, or try to get around reCAPTCHA or other protections.

We may suspend or end your access to the Site or any account if you break these Terms.

4. Content, links and communications

Our content. The Site’s text, photos, videos, graphics and design belong to us or our licensors and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. Any other use requires our written permission. Listing photos and data belong to the listing brokers, the MLS or their licensors.

Third-party links and tools. The Site links to, or embeds, third-party websites and tools, such as property search providers, maps and social media. We do not control them and are not responsible for their content, accuracy or privacy practices. Your use of them is governed by their own terms.

Communications consent. When you submit a form on the Site, you agree that we may contact you about your inquiry by email or phone. We will send marketing text messages, or use automated calling or texting, only with your separate express consent, which is not a condition of any purchase or service. You can opt out at any time by replying STOP, using the unsubscribe link in our emails, or contacting us.

5. Disclaimers, liability and governing law

No warranties. The Site and its content are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability or fitness for a particular purpose. We do not guarantee that the Site will be uninterrupted, error-free or free of viruses.

Limitation of liability. To the fullest extent the law allows, we, City Real Estate and our data providers are not liable for any indirect, incidental, consequential or punitive damages, or for any loss arising from your use of, or reliance on, the Site or its content. This does not limit any liability that cannot be limited by law, or any duties we owe you under a separate written agency agreement.

Indemnity. You agree to indemnify and hold us harmless from claims arising out of your misuse of the Site or your breach of these Terms.

Governing law. These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. Any dispute about the Site will be resolved in the state or federal courts located in San Francisco County, California, unless a separate agreement between us says otherwise. If any part of these Terms is found unenforceable, the rest remains in effect.

6. Changes and contact

We may update these Terms at any time by posting a new version on this page with a new effective date. Your continued use of the Site after a change means you accept the updated Terms.

Questions about these Terms: