Terms of Use

1. Acceptance of Terms

By accessing or using the websites at dtjlegacy.com, all subdomains, and all dtj legacy–owned digital properties(collectively, the "Site"), you agree to these Terms of Use and our Privacy Policy. If you do not agree to these terms, do not use this Site.

DTJ Legacy reserves the right to update these terms at any time. Continued use of the Site after changes constitutes acceptance of the revised terms.

2. Informational Purpose Only

Specifically:

• The financial and insurance content on this Site — including the Insurance 101 glossary, the IUL blueprint, and the retirement readiness materials — is educational only and does not constitute personalized financial advice or a recommendation for any specific product.
• The mortgage calculator is a general estimation tool only. Results are not a commitment to lend or an offer of credit.
• Real estate market information and home value estimates are for general reference only and are not a guarantee of any specific sale price or valuation.
• Reading this Site or submitting a contact form does not create a client relationship, fiduciary relationship, or any professional engagement of any kind.

Always consult a licensed professional — attorney, CPA, financial advisor, or real estate agent — regarding your specific situation before making any financial or legal decision.

3. Professional Licensing

Deah Johnson is a Licensed Texas REALTOR® (License #0798142), Brokerage by CENTURY 21 Judge Fite Company, and a Licensed Financial Professional (License #21593082). A professional relationship is only established through a formal written agreement, not through your use of this website.

Real estate services are limited to the State of Texas. Financial and insurance services are available nationwide where licensing permits and products are available. Insurance and financial products are offered through licensed carriers and are subject to underwriting approval and state availability.

4. No Offer to Sell Securities

Nothing on this Site constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation of any securities or investment products. DTJ Legacy does not provide securities or investment advisory services. This Site does not constitute a private placement memorandum or an offering document of any kind.

5. Third-Party Links & Services

This Site contains links to third-party websites and services including but not limited to: Ethos Life, RealScout, CENTURY 21 Judge Fite, IBN Platform (booking), MyNewRetirement, Rental Karma, and any other. These links are provided for convenience only. DTJ Legacy:

• Does not endorse, control, or take responsibility for the content, accuracy, or practices of third-party sites
• May receive compensation when you engage with certain third-party partners through links on this Site (e.g., Ethos Life insurance quotes, Rental Karma referrals), at no additional cost to you
• Is not responsible for any products, services, or outcomes resulting from your use of third-party sites

6. Intellectual Property

All content on this Site — including text, graphics, logos, the DTJ Legacy name and brand, layout, and design — is the property of DTJ Legacy and Deah Johnson or its content suppliers, protected by applicable United States and Texas intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from this Site without prior written permission from DTJ Legacy.

The CENTURY 21® trademark and branding is the property of Century 21 Real Estate LLC. The REALTOR® trademark is owned by the National Association of REALTORS®. Use of these marks on this Site is authorized and does not grant any rights to the user.

7. Prohibited Uses

You agree not to:

• Use this Site for any unlawful purpose or in violation of any applicable regulations
• Attempt to gain unauthorized access to any portion of this Site or its infrastructure
• Use automated tools (scrapers, bots, crawlers) to collect content in violation of the robots.txt file
• Submit false, misleading, or fraudulent information through any contact form
• Impersonate DTJ Legacy, Deah Johnson, or any third party
• Use the Site or its content to train artificial intelligence or machine learning models without express written permission
• Interfere with or disrupt the operation of the Site or any connected services

8. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

DTJ Legacy does not warrant that: (a) the Site will be uninterrupted or error-free; (b) information on the Site is complete, accurate, or current; or (c) the Site or its servers are free of viruses or harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, DTJ Legacy, Deah Johnson, and their agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Site, even if advised of the possibility of such damages.

In no event shall DTJ Legacy's total liability to you for all claims arising from or related to the use of this Site exceed $100.

10. Indemnification

You agree to indemnify, defend, and hold harmless DTJ Legacy, Deah Johnson, and their affiliates, agents, and successors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any third party's rights.

11. Equal Housing Opportunity

Deah Johnson, DTJ Legacy Realty Group, Brokerage by CENTURY 21 Judge Fite Company, fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. We are committed to providing equal professional services without regard to race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity.

12. Governing Law & Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising from these terms or your use of this Site shall be resolved exclusively in the state or federal courts located in Tarrant County, Texas, and you consent to personal jurisdiction in those courts.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact

Questions about these Terms of Use should be directed to:

Deah Johnson — DTJ Legacy
Email: deah@deahjohnson.com
Phone: (682) 233-2723