Effective Date: September 22, 2026
Last Updated: September 22, 2026

Welcome to Sophia Property Intelligence. These Terms of Use (“Terms”) govern your access to and use of www.sophiamiranoh.com (the “Website”).

By accessing or using this Website, you agree to these Terms. If you do not agree with them, please do not use the Website.

1. Purpose of the Website

Sophia Property Intelligence provides general information and educational content about:

  • U.S. real estate
  • New York and New Jersey housing markets
  • Buying, selling, renting, and investing
  • Mortgages and interest rates
  • Property taxes and homeownership costs
  • Housing-market trends
  • Economic developments affecting real estate

The Website may also allow visitors to subscribe to a newsletter, request information, or contact us regarding potential real estate services.

2. Informational Purposes Only

All content on this Website is provided for general informational and educational purposes only.

Nothing on the Website constitutes:

  • Legal advice
  • Tax advice
  • Financial or investment advice
  • Mortgage or lending advice
  • Insurance advice
  • Property valuation or appraisal advice
  • A guarantee concerning a real estate transaction or investment result

Real estate laws, market conditions, mortgage rates, taxes, property values, and government programs may change. You should consult qualified legal, tax, financial, mortgage, insurance, or other professionals before making a decision.

3. No Brokerage or Agency Relationship

Visiting the Website, subscribing to a newsletter, submitting an inquiry, or communicating with Sophia Property Intelligence does not by itself establish a brokerage, agency, fiduciary, attorney-client, financial advisory, or other professional relationship.

A real estate agency or brokerage relationship will arise only after the required disclosures have been provided and an appropriate written representation or brokerage agreement has been signed.

Any brokerage services are provided through properly licensed real estate professionals and the applicable licensed brokerage identified in the relevant disclosure, advertisement, representation agreement, or transaction document.

Sophia Property Intelligence is an educational and marketing brand and should not be understood as a separate licensed real estate brokerage unless expressly stated otherwise.

4. Real Estate Listings and Property Information

The Website may display, summarize, discuss, or link to information concerning real estate listings and properties.

Property information may come from property owners, listing brokers, cooperating brokers, public records, multiple listing services, third-party websites, or other sources believed to be reliable. However, information may be incomplete, delayed, outdated, or inaccurate.

Sophia Property Intelligence does not guarantee:

  • The accuracy or completeness of listing information
  • Property availability
  • Listing status
  • Property dimensions or square footage
  • School-district information
  • Taxes or assessments
  • Zoning or permitted use
  • Rental or occupancy restrictions
  • Building or association rules
  • Financial projections
  • Mortgage availability
  • Property condition
  • Future value or investment performance

Property listings, prices, mortgage rates, taxes, fees, and availability are subject to change without notice.

Users should independently verify material information and conduct appropriate inspections, title searches, surveys, attorney review, financial review, and other due diligence before entering a transaction.

5. Market Data and Financial Information

Market statistics, mortgage rates, economic data, projections, and commentary are provided for informational purposes only.

Market data may be based on third-party sources, public records, industry publications, or information available as of a particular date. Past market performance does not guarantee future results.

Sophia Property Intelligence does not guarantee that any prediction, opinion, estimate, or projection will prove accurate. Real estate and investment decisions involve risk, including the possible loss of money.

6. Fair Housing and Equal Opportunity

Sophia Property Intelligence supports the principles of the Fair Housing Act and equal opportunity in housing.

The Website and related services will not be used to discriminate on the basis of race, color, religion, sex, disability, familial status, national origin, or any other characteristic protected under applicable federal, state, or local law.

Nothing on this Website is intended to express a preference or limitation concerning a protected class.

Questions about neighborhoods, schools, safety, demographics, religious institutions, or similar matters may be directed to independent and objective third-party resources where appropriate.

7. Acceptable Use

You agree to use the Website only for lawful purposes. You may not:

  • Violate any applicable law or regulation
  • Submit false, misleading, fraudulent, or unlawful information
  • Impersonate another person or misrepresent your identity
  • Attempt to gain unauthorized access to the Website or its systems
  • Introduce viruses, malware, malicious code, or harmful technology
  • Interfere with the security or operation of the Website
  • Use automated tools to scrape, copy, harvest, or extract Website content without written permission
  • Collect personal information about other users
  • Use Website content for unlawful, discriminatory, or deceptive purposes
  • Reproduce or commercially exploit Website content without authorization
  • Use the Website to send spam or unsolicited communications

We may restrict or terminate access to the Website if we reasonably believe these Terms have been violated.

8. Intellectual Property

Unless otherwise stated, the Website and its original content—including articles, newsletters, graphics, branding, logos, design elements, videos, downloadable materials, and written commentary—are owned by or licensed to Sophia Property Intelligence and are protected by applicable intellectual-property laws.

You may view, download, or print a reasonable amount of content for personal, noncommercial use, provided that you:

  • Do not modify the content
  • Do not remove copyright or ownership notices
  • Properly identify Sophia Property Intelligence as the source
  • Do not represent the content as your own

You may not reproduce, distribute, republish, sell, license, modify, or commercially exploit Website content without prior written permission.

Third-party trademarks, listing photographs, news excerpts, data, and other materials remain the property of their respective owners.

9. User Submissions

If you submit a question, comment, testimonial, review, image, or other material, you represent that:

  • You have the right to provide it
  • It is accurate to the best of your knowledge
  • It does not violate another person’s rights
  • It is not unlawful, defamatory, deceptive, discriminatory, or harmful
  • It does not contain malicious code

You retain ownership of your original content. However, when you voluntarily submit content for publication, you grant Sophia Property Intelligence a nonexclusive, royalty-free license to use, reproduce, edit, and display that content for the purpose for which it was submitted.

We will not publicly disclose your private inquiry or personal information merely because you contacted us. Personal information is handled according to our Privacy Policy.

10. Newsletter and Communications

If you subscribe to our newsletter, you agree to receive real estate news, market updates, educational content, and related communications.

You may unsubscribe at any time by clicking the unsubscribe link included in an email or contacting sophia.m.noh@gmail.com.

Providing your contact information does not require you to purchase or use any real estate service.

11. Third-Party Links and Services

The Website may contain links to third-party websites and services, including:

  • Property-listing platforms
  • Brokerage websites
  • Mortgage and lending resources
  • Government websites
  • News publications
  • Social media platforms
  • Home-service providers
  • Other real estate-related resources

These links are provided for convenience and informational purposes. Sophia Property Intelligence does not control and is not responsible for the content, accuracy, availability, security, privacy practices, products, or services of third parties.

The inclusion of a link does not necessarily constitute an endorsement or guarantee. Your use of a third-party website is governed by that provider’s own terms and policies.

12. Affiliate Links and Sponsored Content

The Website may occasionally include affiliate links, sponsored content, paid partnerships, or recommendations involving a material connection.

When applicable, we will make a clear disclosure near the relevant content. Sophia Property Intelligence may receive compensation if you purchase a product or service through certain links, at no additional cost to you.

Compensation does not guarantee a positive review or recommendation. You should independently evaluate any product or service before making a purchase.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis.

Sophia Property Intelligence makes no express or implied warranty regarding:

  • Accuracy
  • Completeness
  • Reliability
  • Availability
  • Security
  • Fitness for a particular purpose
  • Noninfringement
  • Transaction results
  • Investment performance

We do not guarantee that the Website will always be available, error-free, secure, or free from viruses or other harmful components.

Some jurisdictions do not permit the exclusion of certain warranties, so portions of this section may not apply to you.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Sophia Property Intelligence and its owner, affiliated real estate professionals, service providers, licensors, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

  • Your use of or inability to use the Website
  • Reliance on Website content
  • Real estate, financial, or investment decisions
  • Errors or omissions in property or market information
  • Third-party websites, services, or conduct
  • Unauthorized access to or alteration of information
  • Website interruptions, security incidents, or technical problems

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

15. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Sophia Property Intelligence and its owner, affiliates, service providers, and representatives from claims, liabilities, losses, damages, and reasonable expenses arising from:

  • Your misuse of the Website
  • Your violation of these Terms
  • Your violation of applicable law
  • Your infringement of another person’s rights
  • Content you submit through the Website

16. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

The Privacy Policy is incorporated into these Terms by reference.

17. Changes to the Website or These Terms

We may modify, suspend, or discontinue any portion of the Website at any time.

We may also update these Terms to reflect changes in the Website, our business practices, technology, or applicable law. Updated Terms will be posted on this page with a revised “Last Updated” date.

Your continued use of the Website after updated Terms are posted constitutes your acceptance of the revised Terms.

18. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, except where another jurisdiction’s law must apply.

Any dispute relating to the Website or these Terms will be brought in a court of competent jurisdiction, subject to applicable law.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the fullest extent permitted by law, and the remaining provisions will remain in effect.

20. No Waiver

Failure to enforce any provision of these Terms does not waive the right to enforce that provision or any other provision in the future.

21. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and Sophia Property Intelligence concerning your use of the Website, unless a separate written agreement applies.

22. Contact Us

If you have questions about these Terms, please contact:

Sophia Property Intelligence
Email: sophia.m.noh@gmail.com
Website: www.sophiamiranoh.com
Service Area: New York and New Jersey, United States