These Terms and Conditions govern your use of this website and any related services, forms, resources, content, and communications provided through this site.

By using this website, you agree to these Terms and Conditions. If you do not agree, please do not use this website.

1. Website Owner
This website is owned and operated by Zytia Simmons a Virginia Licensed Real Estate Agent brokered with Onyx Realty Professionals and a Certified Military Relocation Professional (MRP) in Hampton Roads

2. Purpose of This Website
This website is provided for general informational, educational, and marketing purposes. It may include information about:

• Residential real estate

• Land and Agricultural Property

• Buyer and Seller Guidance

• Rental and Relocation Information

• Military Relocation Support

• VA Home Loan Education

• Market Insights

• Resource Guides

Nothing on this website creates a client, agency, brokerage, fiduciary, escrow, legal, tax, lending, or advisory relationship unless and until a separate written agreement is signed where required.

3. No Professional Advice
The information on this website is provided for general educational purposes only and should not be considered:

• Legal Advice

• Tax Advice

• Financial Advice

• Lending Advice

• Title Advice

• Survey Advice

• Insurance Advice

• Appraisal Advice

• Zoning or Land-Use Advice

You should consult the appropriate licensed or qualified professional before making decisions regarding a real estate transaction, financing, taxes, legal matters, land use, estate matters, or business structure.

4. No Guarantee of Results
Real estate outcomes vary based on market conditions, financing, title, inspections, negotiations, underwriting, property condition, timing, and other factors outside our control.
We do not guarantee:

• The Availability of any Property

• Mortgage Approval

• VA loan Eligibility or Approval

• Rate Locks

• Appraised Value

• Closing Timelines

• Investment Returns

• Resale Value 
  Rental Income

• Tax Outcomes

• Land Use Approval

• Zoning Approval

• School Assignments

• Future Market Performance

Past results do not guarantee future outcomes.

5. Real Estate Information and Listings
Property information on this website may come from third-party sources, MLS feeds, public records, builders, owners, vendors, or other sources believed to be reliable, but it is not guaranteed.
Prices, features, status, square footage, school information, flood information, zoning information, acreage, taxes, HOA details, and availability may change without notice. Users are responsible for independently verifying all material facts before relying on any information presented on this site.

6. Fair Housing and Equal Opportunity
We support fair housing and equal housing opportunity. We do not knowingly advertise, market, or provide services in a manner that unlawfully discriminates on the basis of any protected characteristic under applicable federal or Virginia law.
The federal Fair Housing Act prohibits discrimination in housing-related activities, and Virginia fair housing law also prohibits discriminatory advertising and housing practices.

7. No Agency Relationship Created by Website Use
Submitting a contact form, downloading a guide, completing a needs assessment, requesting listings, or communicating through this website does not automatically create:

• an agency relationship

• a brokerage relationship

• an attorney-client relationship

• a notary engagement

• a loan signing engagement

• a fiduciary relationship

Where applicable, agency and brokerage relationships will be governed by separate written disclosures and agreements as required by Virginia law and brokerage practice.

8. User Responsibilities
By using this website, you agree that you will not:

• submit false, misleading, or incomplete information

• use this website for unlawful purposes

• copy or scrape content without permission

• interfere with website functionality

• upload harmful code, malware, or spam

• impersonate another person or business

• use the website in a way that violates fair housing or discrimination laws
   

9. Forms, Assessments, and Client Intake
This website may include forms such as:

• contact forms

• buyer or seller intake forms

• needs assessments

• consultation requests

• relocation questionnaires

• property criteria forms

These tools are provided to help gather preliminary information and improve communication. Submission of a form does not obligate either party to enter into a business relationship.

10. Third-Party Links and Resources
This website may contain links to third-party websites, including:

• government agencies

• lenders

• school information sites

• fair housing resources

• sex offender registries

• flood map resources

• VA loan resources

• USDA resources

• Virginia Housing resources

These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, availability, policies, or practices of third-party websites.

11. VA Loan, USDA, and Housing Program Information
Any information on this website related to VA loans, USDA loans, housing assistance, or public programs is general in nature. Program eligibility, underwriting, benefit use, entitlement, funding fees, occupancy requirements, income limits, and approval standards may change and may vary by lender, agency, or borrower circumstances.
Users should confirm all program details directly with the appropriate agency, lender, or housing provider.

12. Land, Zoning, and Agricultural Use Information
Information related to land, acreage, agricultural use, zoning, utilities, flood zones, septic, well, development, or intended use is general and informational only.
Land and agricultural property buyers are responsible for confirming:

• zoning

• permitted use

• access

• utility availability

• flood risk

• easements

• environmental issues

• surveys

• soil suitability

• subdivision restrictions

• county or municipal requirements

13. Intellectual Property
All text, graphics, branding, logos, layout, original content, guides, forms, downloads, and website materials are the property of Zytia Simmons. You may not reproduce, republish, distribute, modify, sell, or exploit website content without prior written permission.

14. Testimonials and Reviews
Any testimonials, endorsements, or reviews on this website reflect individual experiences and opinions. They are not guarantees of future results or outcomes.

15. Communications Consent
By submitting your information through this website, you consent to be contacted by Zytia Simmons and Onyx Realty Professionals by phone, email, or other communication methods you provide, subject to applicable law.
If you do not wish to receive future marketing communications, you may opt out at any time using the instructions provided or by contacting us directly.

16. Privacy
Your use of this website is also subject to our Privacy Policy. Please review that policy to understand how information may be collected, used, and protected.

17. Limitation of Liability
To the fullest extent permitted by law, Zytia Simmons and Onyx Realty Professionals shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

• use of this website

• reliance on website content

• third-party links

• property or market information

• form submissions

• delays, interruptions, or errors in website function

Use of this website is at your own risk.

18. Indemnification
You agree to indemnify and hold harmless to Zytia Simmons and Onyx Realty Professionals from claims, damages, liabilities, losses, or expenses arising from your misuse of the website or violation of these Terms and Conditions.

19. Changes to These Terms
We may update these Terms and Conditions at any time without prior notice. Changes become effective when posted on this page. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

20. Governing Law
These Terms and Conditions shall be governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.