1. About This Site
This website is operated by Scott Buehler, a dual-licensed real estate agent and mortgage loan originator serving Southern Utah. Real estate brokerage services are provided through Real Broker, LLC (Utah license 14208056-SA00). Mortgage services are provided through Guild Mortgage Company, LLC (Company NMLS ID 3274); Scott Buehler is a licensed mortgage loan originator (Individual NMLS ID 1794818). References to "we," "us," and "our" mean Scott Buehler. References to "you" mean any visitor to or user of this website.
2. Informational Purpose Only
The content on this site, including articles, market commentary, neighborhood pages, and similar materials, is provided for general informational purposes. It is not legal, tax, financial, or investment advice, and it is not a substitute for professional advice tailored to your situation. You should consult qualified professionals before making decisions.
3. Calculators and Estimates Are Not Offers
Calculators, estimators, net sheets, affordability tools, and home value estimates on this site produce illustrations based on the assumptions and figures entered. They rely on data you or third parties provide, may not reflect current rates, taxes, insurance, fees, or market conditions, and may be generated using automated or third-party tools. They are estimates only.
No output from any tool on this site is an appraisal, a guarantee of value, a commitment to lend, a loan approval, a quote of specific rates or terms, or an offer of any kind. Results should not be relied upon as accurate. Actual home values, loan programs, rates, terms, and eligibility are determined only after a full review and a formal application, and are subject to change. You should confirm all figures with us directly and with appropriate professionals before making any decision.
4. Real Estate and Mortgage Disclosures
Because we are dual-licensed, the following disclosures apply to your use of this site.
Licensing
Real estate brokerage services are provided through Real Broker, LLC (Utah license 14208056-SA00). Mortgage services are provided through Guild Mortgage Company, LLC (Company NMLS ID 3274; Individual NMLS ID 1794818). You can verify any license at the NMLS Consumer Access website (nmlsconsumeraccess.org) and at the Utah Division of Real Estate.
Not an offer or commitment to lend
Nothing on this website is an offer or commitment to lend, to extend credit, or to refinance. All loans are subject to credit approval, underwriting, income and asset verification, appraisal, and program guidelines. Interest rates, points, programs, and terms are subject to change without notice and are not guaranteed until locked in writing. No application is created, and no rate is locked, by submitting a contact form. Any rate or payment example is for illustration only, and where an annual percentage rate is required it is disclosed with the example.
No guarantee of approval
Pre-qualification and pre-approval are not loan commitments or guarantees that a loan will close. Terms such as "pre-approved" do not guarantee final approval, which depends on full underwriting.
Coordinator model and affiliated business
Scott Buehler may act as your real estate agent, as your mortgage loan originator, or in some transactions coordinate both roles, and may refer you to a separate buyer-side or seller-side agent. You are never required to use Scott Buehler for both real estate brokerage and mortgage services, and you are free to shop for and select any real estate agent, lender, title company, or settlement service provider you choose. Where an affiliated business arrangement exists, a separate written Affiliated Business Arrangement Disclosure will be provided as required by the Real Estate Settlement Procedures Act, and your use of one service is not conditioned on your use of another.
Listing and property information (MLS/IDX)
Any property listing information displayed on or linked from this website is provided by the applicable Multiple Listing Service and is deemed reliable but is not guaranteed accurate. Listing data is provided for consumers' personal, non-commercial use to identify prospective properties and may not be used for any other purpose. Square footage, lot size, room counts, taxes, schools, HOA details, and other property details are approximate and must be independently verified. Properties are subject to prior sale, change, or withdrawal.
No agency relationship
Using this website, submitting a form, or contacting us does not by itself create an agency, brokerage, fiduciary, or lending relationship. Any such relationship is formed only by a separate written agreement that we both sign.
5. Testimonials and Reviews
Testimonials and reviews on this website reflect the individual experiences of specific clients. They are not a guarantee, warranty, or prediction of the results you will obtain, and your results will vary based on your finances, the property, market conditions, and other factors. Testimonials are not necessarily representative of all clients' experiences. Where any reviewer has a material connection to us, such as an incentive, gift, or business or personal relationship, that connection is disclosed at or near the testimonial. We do not suppress or selectively edit reviews to misrepresent client opinions, and we present testimonials as they were given, edited only for length or clarity without changing their meaning.
6. Acceptable Use
You agree not to:
- • Use the site for any unlawful purpose or in violation of these terms.
- • Attempt to gain unauthorized access to the site, its servers, or related systems.
- • Copy, scrape, republish, or redistribute site content without permission.
- • Interfere with the proper working of the site, including introducing malicious code.
- • Submit false, misleading, or fraudulent information through any form.
7. User Submissions
If you submit any content to us through a form, review, or message, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, and display that content in connection with operating and marketing our services, subject to our Privacy Policy. You represent that you own or have the right to submit the content, that it is accurate, and that it does not violate any law or third-party right. We may remove any submission at our discretion.
8. Intellectual Property
The site design, text, graphics, logos, and other content are owned by Scott Buehler or used under license and are protected by intellectual property laws. You may view and print pages for your own personal, non-commercial use. All other use requires our prior written consent.
9. Copyright and DMCA
We respect copyright. If you believe content on this site infringes your copyright, please send a notice with the elements required by the Digital Millennium Copyright Act (17 U.S.C. 512(c)(3)) to our designated agent at the address in the Contact section, marked "DMCA Notice." We will respond to valid notices by removing or disabling the material, and we will terminate repeat infringers in appropriate circumstances.
10. Third-Party Links and Services
The site may link to or integrate third-party websites, tools, and services that we do not control, such as lender, brokerage, scheduling, and listing platforms. We are not responsible for their content, accuracy, or practices, and your use of them is governed by their own terms and policies.
11. Text Messages, Calls, and Electronic Communications
Text messages and calls
If you provide your phone number and opt in, you consent to receive calls and text messages from Scott Buehler, including through automated technology, about real estate and mortgage services. Consent is not a condition of any purchase. Message and data rates may apply, and message frequency varies. You may opt out at any time by replying STOP to a text or by contacting us, and we will honor your request as required by law. See our Privacy Policy for details.
Electronic communications and E-SIGN consent
You consent to receive communications, agreements, notices, and disclosures from us electronically, and you agree that electronic delivery has the same legal effect as a paper record. You may withdraw consent or request a paper copy by contacting us. Withdrawal does not affect the validity of prior electronic records.
12. Privacy
Your use of the website is also governed by our Privacy Policy, which is incorporated by reference. The website uses cookies and analytics only as described there and subject to your consent where required. We do not sell your personal information for money. If we share information with analytics or advertising partners in a way that qualifies as a sale or sharing under applicable law, you may opt out as described in the Privacy Policy.
13. Equal Housing and Equal Credit Opportunity
We are committed to the letter and spirit of the Fair Housing Act and the Equal Credit Opportunity Act. We do business in accordance with applicable fair housing and equal credit opportunity laws and do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other status protected by law.
14. Accessibility
We are committed to making this website accessible. If you have difficulty using any part of the site, please contact us so we can provide the information or assistance you need. See our Accessibility Statement for details.
15. 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 merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure, or that information is current or complete. Information is deemed reliable but not guaranteed.
16. Limitation of Liability
To the maximum extent permitted by law, in no event will Scott Buehler or his affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or loss of goodwill, arising out of or relating to your use of the website, even if advised of the possibility of such damages. Our total cumulative liability for all claims will not exceed the greater of one hundred dollars ($100) or the amount you paid us, if any, in the twelve months before the event giving rise to the claim. These limitations are a fundamental basis of the bargain and apply to all theories of liability. Nothing in these terms limits liability that cannot be limited by law.
17. Indemnification
You agree to indemnify and hold harmless Scott Buehler and related parties from claims, losses, and expenses, including reasonable attorney fees, arising out of your misuse of the site or violation of these terms.
18. Time to Bring Claims
To the fullest extent permitted by law, any claim arising out of or relating to the website or these terms must be filed within one year after the claim arises, otherwise it is permanently barred. If this period is unenforceable for a claim, the shortest period permitted by law applies. This provision does not apply to claims that by law cannot be shortened.
19. Dispute Resolution and Binding Arbitration
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.
(a) Agreement to arbitrate
You and Scott Buehler agree that any dispute, claim, or controversy arising out of or relating to your access to or use of this website, these terms, or any communications between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, will be resolved by binding individual arbitration, except as expressly provided below. This agreement to arbitrate is governed by the Federal Arbitration Act (9 U.S.C. 1 et seq.).
(b) Delegation
The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all threshold issues, including any dispute about the formation, existence, scope, validity, enforceability, or interpretation of this arbitration agreement, any claim that all or part of it is void or voidable, and any objection to arbitrability.
(c) Informal resolution first
Before initiating arbitration, you must first send a written Notice of Dispute to the address in the Contact section describing the claim and the relief sought. You and we will attempt in good faith to resolve the dispute for 60 days. This requirement is a condition precedent to commencing arbitration, and the deadline to file is tolled while the parties confer.
(d) Arbitration rules and forum
The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, as modified by these terms. The seat and any in-person hearing will be in or near St. George, Utah, or, at your election, in the county where you reside. The arbitrator may award the same individual remedies available in court.
(e) Class action and collective action waiver
You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding.
The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding. This waiver is a material and non-severable part of this arbitration agreement. If it is found unenforceable as to a particular claim seeking class-wide relief, that claim and only that claim shall be severed and heard in court, while all other claims proceed in arbitration.
(f) Jury trial waiver
If for any reason a claim proceeds in court rather than arbitration, you and we each waive any right to a jury trial.
(g) Mass arbitration batching
If 25 or more similar demands for arbitration are filed by or with the coordination of the same lawyers or organizations, the demands will be administered in batches of no more than 50, with one arbitrator and one set of filing and administrative fees per batch, and the AAA Mass Arbitration Supplementary Rules will apply. The parties will cooperate in good faith with the AAA to implement an efficient batch process.
(h) Costs
Payment of filing, administrative, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules.
(i) 30-day right to opt out
You may opt out of this arbitration agreement within 30 days after you first accept these terms by sending written notice that states your name and a clear statement that you do not wish to resolve disputes through arbitration, to the address in the Contact section. Opting out will not affect any other part of these terms.
(j) Small claims and injunctive carve-outs
Either party may bring an individual claim in small claims court if it qualifies, and we may seek injunctive relief in court to protect our intellectual property.
(k) Survival and severability
This arbitration agreement survives termination of your use of the website. Except for the class action waiver in subsection (e), if any part of this section is found unenforceable, that part will be severed and the remainder will continue in effect.
20. Governing Law and Venue
These terms are governed by the laws of the State of Utah, without regard to its conflict-of-law rules. The arbitration agreement in Section 19 is the primary mechanism for resolving disputes. For any matter that is not subject to arbitration, including an action to compel or enforce arbitration, a claim severed under the class action waiver, or a request for injunctive relief, you agree that the dispute will be brought exclusively in the state or federal courts located in Washington County, Utah, and you consent to their jurisdiction.
21. General Terms
Force majeure
We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, outages, failures of third-party services, labor disputes, or government action.
Assignment
You may not assign these terms. We may assign them to a successor or affiliate without notice. These terms bind permitted successors and assigns.
Entire agreement
These terms and the Privacy Policy are the entire agreement between you and us about the website and supersede prior understandings.
No waiver
Our failure to enforce any provision is not a waiver of it.
Severability
If any provision of these terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining terms will continue in full force.
Survival
The sections on arbitration, intellectual property, disclaimers, limitation of liability, indemnification, and time to bring claims survive termination of your use of the website.
Headings and interpretation
Headings are for convenience only. "Including" means "including without limitation."
22. Changes to These Terms
We may revise these terms at any time by posting an updated version here with a new effective date. Your continued use of the site after changes are posted means you accept the revised terms.
23. Contact
Questions about these terms, or a Notice of Dispute, arbitration opt-out, or DMCA notice? Contact Scott Buehler at [email protected] or (435) 357-4345.