Terms of Service | Zion Chen

Last updated: October 10, 2026

## 1. Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree to all of these terms, please do not use the site.

## 2. Description of Services
Zion Chen provides real estate services in Georgia through Virtual Properties Realty (GA License #440418, GREC Firm #H-45477) and mortgage loan origination in Georgia and California as a licensed mortgage loan originator (NMLS #2869394; Georgia MLO License #2869394; California DFPI MLO License CA-DFPI2869394) sponsored by OrangePath Financial Inc. (NMLS #2070941) ("Services"). The information on this website is for general informational purposes only and is not legal, tax, or financial advice. Nothing on this website is a commitment to lend; all loans are subject to credit approval and underwriting.

## 3. Intellectual Property / Content Ownership
All content on this site, including text, graphics, logos, images, and the compilation of the content, is the property of Zion Chen, its licensors, or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or otherwise use the content without express written consent.

## 4. Property Information Disclaimer
Property information on this website is deemed reliable but is not guaranteed. Where property details reference data maintained by a multiple listing service, that data may originate from First Multiple Listing Service, Inc. (FMLS) or Georgia Multiple Listing Service (Georgia MLS). This website does not republish an IDX data feed. All information, including square footage, lot size, schools, and taxes, should be independently verified. Closed transactions are shown by community and city only; client names and street addresses are not published.

## 5. Limitation of Liability
To the fullest extent permitted by applicable law, Zion Chen shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the Services; (b) any conduct or content of any third party on the Services; or (c) unauthorized access, use, or alteration of your transmissions or content.

## 6. Conduct
You agree not to use the site for any unlawful purpose or in any way that might harm, damage, or disparage any other party, and not to submit false information through our forms.

## 7. Third-Party Links
This site may contain links to third-party websites. These links are provided for your convenience. We do not endorse and are not responsible for the content or practices of these external sites.

## 8. Privacy and Cookies
Your use of the Services is also subject to our Privacy Policy and Cookie Policy.

## 9. Changes to Terms
We may modify or replace these Terms at any time. Material changes will be reflected by an updated "Last updated" date at the top of this page.

## 10. Governing Law and Jurisdiction
These Terms shall be governed by the laws of the State of Georgia, without regard to its conflict of law provisions. Any legal action arising under these Terms will be brought exclusively in the federal or state courts located in Gwinnett County, Georgia.

## 11. Contact Information
- Phone: +1 (626) 702-1888
- Email: zion4realtor@gmail.com