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                        <h2 class="page-name float-left text-white text-uppercase mt-1 mb-0"><b>Participation Terms</b></h2>
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                        <h2 class="double-down-line-left text-secondary position-relative pb-4 mb-4">PARTICIPATION TERMS IN BUYING AND SELLING</h2>
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						<p>
						These Participation Terms (“Terms”) apply to each buying or selling transaction conducted by Pinnaclepathhome.com and/or its affiliates (collectively, “Pinnaclepathhome.com”) on behalf of a seller (each, a “Seller”) of real property or secured note(s) (each, a “Property,” and collectively, “Properties”). As used in these Terms, each prospective buyer or seller who participates in any transaction is a “Participant.” The terms “Pinnaclepathhome.com,” “Seller,” and “Participant” shall also refer to the respective principals, agents, and affiliates of each.

                        The “Winning Participant” is the Participant that (a) submits the highest acceptable offer in a buying or selling transaction and is acknowledged by Pinnaclepathhome.com by email or telephone as the winning participant, or (b) submits an offer during any transaction that is accepted by the Seller. As used in these Terms, each offer submitted in any transaction is an “Offer.”

                        Pinnaclepathhome.com conducts transactions solely on behalf of the Seller and is not acting as an agent for any Participant in any capacity. By registering for a transaction or submitting an Offer at www.Pinnaclepathhome.com or any other Pinnaclepathhome.com website (“Website”), the Participant acknowledges having read and accepted these Terms. By submitting an Offer on a Property, the Participant is deemed to have accepted any additional terms and conditions posted on the Property’s details page on the Website (“Property Page”) at the time the Offer was submitted, and such terms and conditions shall govern and control over these Terms to the extent of any conflict.

                        Pinnaclepathhome.com’s <a href="www.Pinnaclepathhome.com/terms.php">Website Terms of Use</a> and <a href="www.Pinnaclepathhome.com/privacy.php">Privacy Statement</a>  are incorporated into these Terms by reference.</p>
						
						<h3>1. ACCOUNT CREATION AND REGISTRATION PROCESS</h3>
						<p style="line-height: 1.5;">
                         Users (“Participants”) may create an account on the platform to access services related to property buying and selling. During account creation, no deposit or fee is required.<br/><br/>

                         However, as part of our verification process—where we request identification or documentation to confirm the accuracy of a user’s information—we may require a Verification Fee (“Cancellation Fee”) to ensure the integrity of our platform and support proper documentation. The amount of this fee and acceptable payment methods will be clearly communicated at the time of verification.<br/><br/>

                         We reserve the right, in our sole discretion or at the request of a property lister (“Seller”), to modify, waive, or impose additional verification requirements for certain users or property transactions.
                           </p>	

                        
						<h3>2. DUE DILIGENCE & DOCUMENTATION REVIEW</h3>
						<p style="line-height: 1.5;">
                         <b>Review of Purchase Documents</b><br/>
                         Before making an offer on any property listed on our platform, users (“Participants”) are expected to thoroughly review all relevant transactional documents associated with the property. These may include the purchase and sale agreement, required addenda, seller disclosures, and other applicable documents (collectively, “Purchase Documents”). All offers submitted must be made in accordance with the terms outlined in these documents. Unless otherwise specified on the property’s listing page, the Purchase Documents are final and non-negotiable.<br/><br/>

                         <b>Participant Due Diligence Obligations</b><br/>
                         Participants are solely responsible for conducting independent due diligence on any property they are considering for purchase. This includes, but is not limited to, investigation into the property’s legal status, physical condition, structural attributes, environmental factors, financial viability, title status, and any encumbrances or claims. Participants must coordinate directly with the property lister (“Seller”) to arrange property access for inspections, where possible. In cases where physical access is restricted or not available, Participants are expected to base their offers on available documentation and their own risk assessment.<br/><br/>

                         <b>Use of Property Information</b><br/>
                         Property details displayed on the platform are aggregated from multiple sources and have not been independently verified by us. All information is provided strictly on an “as-is” and “as-available” basis, with no warranties or guarantees. Participants may use this information only for purposes customary to real estate transactions and within the scope of their professional or personal decision-making. It is highly recommended that Participants consult with licensed real estate professionals, legal counsel, financial advisors, and other specialists prior to submitting an offer.<br/><br/>

                         <b>Liability and Indemnity for Property Inspections</b><br/>
                         Participants assume full responsibility for any loss, damage, liability, or cost—direct or indirect—that arises from property visits, inspections, or investigations. By engaging in such activities, Participants agree to indemnify, defend, and hold harmless both the Seller and the platform (including its affiliates, agents, and partners) from any related claims, liabilities, or expenses. Participants must ensure they maintain appropriate insurance coverage to protect against any such risks.
                           </p>


                        <h3>3. BUYING PROCESS</h3>
						<p style="line-height: 1.5;">
                         <b>Irrevocability of Offers</b><br/>
                         All offers submitted through the platform are considered binding and irrevocable, unless the platform explicitly provides an option for offer withdrawal or such right is granted in writing. Buyers should ensure full intent and financial readiness before submitting an offer.<br/><br/>

                         <b>Execution of Purchase Documents</b><br/>
                         Once an offer is accepted by the Seller, the final purchase documents will be sent to the Buyer via email for electronic signature. The Buyer is required to review and sign these documents within one (1) business day from receipt, unless a different timeframe is explicitly provided. Failure to execute the documents within the required timeframe may result in cancellation of the transaction.<br/><br/>

                         <b>Earnest Money Deposit</b><br/>
                         Accepted offers typically require the Buyer to submit an Earnest Money Deposit to the designated escrow or closing agent. The required deposit amount and deadline will be stated in the purchase documents or on the property’s listing page. Unless otherwise specified, the deposit must be received within two (2) business days of the Buyer receiving wire instructions. If not received in time, the Seller may cancel the transaction and pursue other interested parties.<br/><br/>

                         <b>Proof of Funds and Documentation Requirements</b><br/>
                         At any point, the platform or the Seller may request proof of funds or additional information to verify the Buyer’s ability to complete the purchase. Buyers must respond within one (1) business day. Failure to do so may result in the offer being declined or withdrawn by the Seller. Buyers intending to purchase under a legal entity may also be required to submit entity formation documents, authorization resolutions, or other supporting paperwork as part of the transaction.<br/><br/>

                         <b>Buyer’s Fee</b><br/>
                         Certain property listings may indicate that a Buyer’s Fee or transaction fee applies. If so, this fee is in addition to the purchase price and must be paid at closing. The Buyer’s Fee may be used to cover Seller’s transaction-related expenses, including brokerage commissions, platform service fees, or other related costs. The exact fee amount and structure will be disclosed on the property’s listing page and/or within the purchase documents.<br/><br/>

                         <b>Short Sale Properties</b><br/>
                         Some properties may be listed as Short Sales, meaning the sale proceeds may be less than the outstanding mortgage(s) on the property. All offers on Short Sale properties are contingent upon the approval of the lien holders involved. If the Seller is unable to secure the necessary approvals, the transaction will be cancelled and the Buyer’s Earnest Money Deposit will be returned in full.
                           </p>	

                         <h3>4. OFFER TERMS AND SELLER DISCRETION</h3>
						<p style="line-height: 1.5;">
						<b>Seller’s Minimum Price (Reserve Price Equivalent)</b><br/>
                        Unless otherwise indicated, each property listed on the platform may have a minimum acceptable sale price set by the Seller (the “Seller’s Minimum Price”). The listing price displayed may not reflect this minimum. The Seller is not obligated to accept any offer below their designated minimum, though they may choose to do so at their sole discretion. A property is not considered sold until the Seller has signed the final purchase agreement.<br/><br/>

                        <b>Offer Submissions and Negotiation</b><br/>
                        Interested Buyers may submit offers on properties directly through the platform. In some cases, the platform may provide tools to justify or explain offer amounts (such as comparables or financial details), but Sellers retain full discretion to accept, decline, or counter any submitted offer. Sellers are not obligated to accept any particular offer and may continue to entertain offers until a final agreement is executed.<br/><br/>

                        <b>Multiple Offers and Offer Timing</b><br/>
                        If multiple offers are received on a property, the Seller has full discretion to select which Buyer, if any, to move forward with. Offers may be reviewed in the order received, but Sellers are not required to accept the highest or first offer. Buyers should be aware that Sellers may allow time for competing offers before making a decision, and the platform may include offer expiration timeframes to encourage timely negotiations.<br/><br/>

                        <b>Time-Limited Offers and Expiration</b><br/>
                        Offers may remain open for a specific period of time as set by either the Buyer or the platform. If an offer is not accepted, countered, or otherwise acted upon by the Seller within that time period, it will automatically expire and be considered withdrawn. Sellers also reserve the right to withdraw any pending offers at any time prior to executing a binding agreement.<br/><br/>

                        <b>Non-Binding Offer Stage</b><br/>
                        Submission of an offer, receipt of a counteroffer, or initial acceptance communicated through the platform does not constitute a binding sale. No property is considered under contract until the final purchase and sale agreement has been executed by both Buyer and Seller. Prior to that, either party may withdraw from the transaction.<br/><br/>

                        <b>Pre-Qualified Interest (Indicative Offers)</b><br/>
                        For some properties, Sellers may accept non-binding expressions of interest (“Indicative Offers”) prior to opening the property for formal offer submissions. Indicative Offers help gauge Buyer interest and may influence Seller decisions but are not binding on either party. If required, Buyers may need to complete a brief registration or submission form to express interest.<br/><br/>

                        <b>Extension of Offer Review Period</b><br/>
                        Sellers may extend the time period to review or negotiate offers at their discretion. The platform may also allow for extended negotiation windows to accommodate competitive interest or internal Seller review processes.<br/><br/>

                        <b>Seller Approval Required</b><br/>
                        Some property transactions may be labeled as “Subject to Seller Approval.” In these cases, even if an offer is initially accepted, it remains contingent on final approval by the Seller or a relevant third party (e.g., a lender or investor). If approval is not granted, the Buyer will be notified, and any applicable deposits or fees will be returned.
						</p>
						
						
						<h3>5. LEGAL DISCLOSURES</h3>
						<p style="line-height: 1.5;">
						 <b>Platform Access and Offer Conditions</b><br/>
                         The platform and Sellers reserve the right to deny, limit, or place conditions on a user's ability to access the website or submit offers at any time, for any reason. This may include, but is not limited to, concerns related to a user's solvency, credit or transaction history, incomplete or unverifiable information, or any failure to comply with the platform’s terms and verification requirements.<br/><br/>

                         <b>Modifications and Property Availability</b><br/>
                         The platform or Seller may, at any time and without prior notice:<br/><br/>

                         • Remove or withdraw a property listing;<br/><br/>

                         • Modify these Terms by posting an update directly on the property’s page;<br/><br/>

                         • Reject any or all offers received on a property.<br/><br/>

                         <b>Public Communications</b>
                         Sellers, agents, and the platform may issue press releases or make public statements regarding property listings, transactions, or platform-related updates.<br/><br/>

                         <b>Legal Jurisdiction</b>
                         These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida. If a property is located in California, California law may apply to that specific transaction.<br/><br/>

                         <b>Disclaimers and Legal Compliance</b>
                         All content published on the website—including brochures, emails, postcards, or property pages—is provided for informational purposes only and shall not constitute an offer to sell or a solicitation of an offer to buy any property, unless expressly stated otherwise. Offers made or accepted on the platform are void where prohibited by applicable law.<br/><br/>

                         In any transaction, a Seller is not legally obligated to sell a property until:<br/><br/>

                         1. The final purchase and sale agreement (Purchase Documents) has been fully executed by both parties, and<br/><br/>

                         2. Any required deposit or earnest money has been received by the designated escrow or closing agent.<br/><br/>

                         Once the Purchase Documents are fully executed and the required deposit has been received, the agreement shall solely govern the transaction. At that point, the platform shall be released from any further responsibility or liability related to the transaction.
						</p>
						
						<h3>6. BROKER AND AGENT PARTICIPATION</h3>
						<p style="line-height: 1.5;">
						We actively support and encourage the participation of licensed real estate brokers and agents on our platform. For certain property listings, a cooperating broker commission or referral fee may be available. Details regarding broker or agent compensation—if offered—will be clearly specified on the applicable Property Page. Unless explicitly stated in writing for a specific property, no cooperating broker commission or referral fee will be paid.<br/><br/>

                        <b>Submitting Offers on Behalf of a Buyer</b><br/>
                        Licensed brokers and agents may, where permitted, submit offers on behalf of a buyer, provided that the broker/agent has been registered with the buyer’s information prior to offer submission. By doing so, the broker/agent:<br/><br/>

                        1. <b>Represents and warrants</b> that they have obtained full authorization from the buyer to act on their behalf and have met all legal and regulatory requirements to do so;<br/><br/>

                        2. <b>Acknowledges</b> that any offer submitted on the buyer’s behalf will be binding on both the buyer and the broker/agent to the same extent as if the buyer had submitted the offer directly;<br/><br/>

                        3. <b>Agrees to indemnify and hold harmless</b> the platform from any liability or claims arising from inaccuracies, misrepresentations, or unauthorized actions related to the offer.<br/><br/>

                        <b>Broker Responsibility</b>
                        Participants are solely responsible for ensuring that any brokers or agents representing them are properly registered and authorized. If a broker or agent claims a commission or fee, it is the Participant’s obligation to ensure that all relevant agreements are in place.<br/><br/>

                        Participants agree to indemnify and hold harmless the platform from any disputes, claims, or liabilities asserted by brokers or agents acting on their behalf.					
						</p>
						
						
						<h3>7. DISCLAIMERS, PARTICIPANT REPRESENTATIONS, CANCELLATION & LIQUIDATED DAMAGES</h3>
						<p style="line-height: 1.5;">
						<b>PINNACLEPATHHOME.COM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR CHARACTER WHATSOEVER</b>, WHETHER EXPRESS OR IMPLIED, <b>WITH RESPECT TO ANY PROPERTY</b>, OR THE LEGAL SUFFICIENCY OR TAX CONSEQUENCES OF ANY DOCUMENT PROVIDED BY PINNACLEPATHHOME.COM.<br/>

                        <p style="line-height: 1.1 !important">
                        Each Participant <b>HEREBY RELEASES PINNACLEPATHHOME.COM AND ITS EMPLOYEES, OFFICERS, DIRECTORS, REPRESENTATIVES, ATTORNEYS, BROKERS AND AGENTS</b> (collectively, “<b>Representatives</b>”) from <b>ANY AND ALL CLAIMS</b> that such Participant <b>MAY NOW HAVE OR HEREAFTER ACQUIRE</b> against Pinnaclepathhome.com or any of its Representatives <b>for any damage or injury resulting from or relating to</b>:<br/><br/>

                        • Any <b>errors</b>, <b>omissions</b>, or <b>conditions</b> affecting any Property,<br/><br/>

                        • The documents used in evaluating or acquiring any Property, or<br/><br/>

                        • The conduct of any listing, offer, or negotiation process.<br/><br/>

                          &nbsp;&nbsp;<b>⚠️ THIS RELEASE INCLUDES CLAIMS OF WHICH THE PARTICIPANT MAY BE <br/>&nbsp;&nbsp;PRESENTLY UNAWARE OR MAY NOT SUSPECT TO EXIST.<br/>
                          &nbsp;&nbsp;Such claims, if known, could materially affect the Participant’s release of &nbsp;&nbsp;Pinnaclepathhome.com.</p>
						  </b>

                        Each Participant <b>SPECIFICALLY WAIVES</b> the provisions of <b>California Civil Code Section<br/> 
						1542</b> (and any other <b>substantially similar state statutes</b>) which state:<br/><br/>

                            &nbsp;&nbsp;“<b>A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR <br/>&nbsp;&nbsp;RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT <br/>&nbsp;&nbsp;THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, <br/>&nbsp;&nbsp;WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE <br/>&nbsp;&nbsp;DEBTOR OR RELEASED PARTY.</b>” <br/><br/>

                        <p style="line-height: 1.1 !important">
						<b>INDEMNITY AGREEMENT</b><br/><br/>
                        Participant agrees to <b>INDEMNIFY AND HOLD HARMLESS PINNACLEPATHHOME.COM</b> from <b>ANY LIABILITY, DAMAGES, AND/OR COSTS</b> (including <b>reasonable attorneys’ fees</b>) arising from:<br/><br/>

                        1. <b>Participant’s actions or inactions</b>,<br/><br/>

                        2. Any <b>information or communications</b> supplied by Pinnaclepathhome.com, or<br/><br/>

                        3. The <b>condition or occupancy status</b> of any Property.</p><br/>
						

                         <p style="line-height: 1.1 !important">
                        <span style="color:red; font-weight: bold">CANCELLATION & LIQUIDATED DAMAGES</span><br/><br/>
                        If Participant <b>BREACHES THESE TERMS</b>:<br/><br/>

                        1. <b>Participant’s offer may be rejected</b> by Pinnaclepathhome.com and/or Seller,<br/><br/>

                        2. The Property <b>may be immediately sold to another buyer</b>, and<br/><br/>

                        3. <b>Participant will be liable to pay LIQUIDATED DAMAGES</b> in an amount equal to:<br/><br/>

                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The <b>greater of the Cancellation Fee</b> shown at registration, or<br/><br/>

                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The amount <b>agreed to by Participant in writing</b>.<br/><br/>
						
						</p>
						
						
						
						
                        <p style="line-height: 1.1 !important">
                        <span style="color:red; font-weight: bold"><strong>⚠️ PINNACLEPATHHOME.COM IS AUTHORIZED</strong></span> to:<br/><br/>

                          &nbsp;&nbsp;&nbsp;• "<b>Charge the credit card or</b>"<br/><br/>

                          &nbsp;&nbsp;&nbsp;• "<b>Electronically debit the bank account provided during registration, or</b>"<br/><br/>

                          &nbsp;&nbsp;&nbsp;• "<b>Retain any deposit provided under a separate written agreement
                           to recover the &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidated Damages owed.</b>"<br/><br/>
                         </p>
                        
						<p style="line-height: 1.1 !important">
						
						Participant acknowledges and agrees that:<br/><br/>

                        &nbsp;&nbsp;• The <b>actual damages</b> from such a breach would be <b>difficult to calculate</b>,<br/><br/>

                        &nbsp;&nbsp;• The <b>Cancellation Fee</b> is a <b>reasonable pre-estimate</b> of those damages, and<br/><br/>

                        &nbsp;&nbsp;• This amount is <b>not a penalty</b> or forfeiture.
						</p>
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