⚖️ Terms of Use

1. Educational Purpose and Scope

1.1 Educational Resource Only

The Northern Virginia Restoration Forum ("Forum") is provided as an educational resource for Virginia homeowners to learn about restoration topics, contractor selection, and insurance claim processes. All content is for informational and educational purposes only.

1.2 No Professional Services

This Forum does not provide professional restoration services, emergency response, insurance advice, legal counsel, or contractor recommendations. All information shared is educational in nature.

1.3 Professional Consultation Required

All restoration decisions must be made in consultation with:

• Licensed restoration contractors
• Your insurance company and claims representatives
• Qualified professionals appropriate to your specific situation
• Legal counsel when insurance disputes arise

2. Liability Limitations and Disclaimers

2.1 No Warranty of Information

Independent Restoration provides no warranty, express or implied, regarding the accuracy, completeness, or reliability of information shared in this Forum. Information accuracy is not guaranteed, and users participate at their own risk.

2.2 No Professional Relationship

Participation in this Forum does not create any professional relationship between users and Independent Restoration. Forum participation does not constitute:

• A contractor-client relationship
• Professional consultation or advice
• Insurance representation or advocacy services
• Legal attorney-client privilege
• Emergency response services or obligations

2.3 Limitation of Liability

Independent Restoration, its owners, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• Use of or reliance on Forum information
• Decisions made based on Forum discussions
• Delays in emergency response due to Forum consultation
• Contractor selection decisions influenced by Forum content
• Insurance claim outcomes related to Forum guidance
• Property damage resulting from Forum-influenced decisions

3. User Responsibilities and Obligations

3.1 Emergency Situations

Users experiencing emergency restoration situations must:

• Contact licensed professionals immediately: (703) 844-4204
• Not delay emergency response based on Forum discussions
• Prioritize safety and professional assessment over Forum advice
• Understand that Forum discussions cannot replace immediate professional action

3.2 Independent Verification

Users are responsible for independently verifying all information obtained through the Forum, including:

• Contractor licensing and insurance requirements
• Local building codes and regulations
• Insurance policy terms and coverage details
• Professional qualification requirements
• Emergency response protocols

3.3 Appropriate Use

Users agree to use the Forum appropriately by:

• Providing accurate information in submissions
• Respecting the educational nature of discussions
• Not seeking emergency response through Forum channels
• Understanding liability limitations before participation

4. Insurance and Legal Disclaimers

4.1 Insurance Advice Limitations

Forum discussions about insurance topics are educational only and do not constitute:

• Insurance advice or representation
• Policy interpretation or coverage analysis
• Claims advocacy or professional representation
• Legal advice regarding insurance disputes

Insurance matters require consultation with qualified insurance professionals and legal counsel when disputes arise.

4.2 Legal Representation Disclaimer

No content in this Forum constitutes legal advice or creates an attorney-client relationship. Legal matters require consultation with qualified legal counsel.

4.3 Regulatory Compliance

Users are responsible for compliance with all local, state, and federal regulations applicable to their restoration situations. Forum information does not substitute for professional regulatory guidance.

5. Expert Response System

5.1 Educational Expert Responses

Expert responses provided through the Forum are educational in nature and do not constitute professional consultation, service recommendations, or emergency response services.

5.2 Response Time Expectations

Response time categories (Emergency, Urgent, Standard) are for educational prioritization only and do not constitute service level agreements or professional response commitments.

5.3 Expert Qualification Disclaimer

Expert responses are provided for educational purposes. Users must independently verify expert qualifications and seek appropriate professional consultation for their specific situations.

6. Privacy and Data Collection

6.1 Information Collection

The Forum collects user information for educational purposes and emergency notification protocols. See our Privacy Policy for detailed information handling practices.

6.2 GoHighLevel Integration

Forum submissions are processed through GoHighLevel (GHL) systems for contact management and notification workflows. Users consent to this processing by using the Forum.

6.3 Emergency Contact Information

Contact information provided for emergency-classified submissions may be used for immediate response coordination and follow-up educational resources.

7. Content and Intellectual Property

7.1 User-Generated Content

Users retain ownership of their submitted questions but grant Independent Restoration license to use submissions for educational purposes and Forum operation.

7.2 Authority Reversal Framework™

The Authority Reversal Framework™ is proprietary educational content. Users may reference framework concepts for personal education but may not reproduce framework materials without permission.

7.3 Forum Content Usage

Forum content may be used for personal educational purposes. Commercial use or reproduction requires written permission.

8. Modification and Termination

8.1 Terms Modification

These Terms may be modified at any time. Continued use of the Forum constitutes acceptance of modified Terms. Users are responsible for reviewing Terms periodically.

8.2 Service Modification

Independent Restoration reserves the right to modify, suspend, or discontinue Forum services at any time without notice.

8.3 User Access Termination

Independent Restoration may restrict or terminate user access for inappropriate use, emergency misuse, or Terms violations.

9. Governing Law and Jurisdiction

9.1 Virginia Law

These Terms are governed by Virginia state law without regard to conflict of law principles.

9.2 Jurisdiction

Any disputes arising from Forum use shall be resolved in Virginia state courts with jurisdiction over Northern Virginia.

9.3 Severability

If any provision of these Terms is deemed invalid, the remaining provisions remain in full force and effect.