Terms of Service

Dear Monty Terms of Service

Last Updated:12/16/2025

1. Overview of DearMonty.com

DearMonty.com is a website that provides contrarian information to help inform home sellers and homebuyers to anticipate what will happen as opposed to reacting to an unwanted surprise after it happens. Dear Monty offers market tactics and education on every aspect they will encounter, and logical options based on years of experience to consider as they as they travel the process. Our website does not provide legal, financial, or professional real estate advice and will share what type of professional advice you need if it is beyond information available from a variety of sources in the public domain..

2. User Responsibilities

By using Dear Monty, you acknowledge that you are fully responsible for all aspects of your real estate transaction. This includes, but is not limited to:

• Pricing Decisions: Our platform provides data, but pricing is your decision.
• Negotiations & Offers: Any agreements, counteroffers, or price adjustments are your responsibility.
• Disclosures & Contracts: You are responsible for ensuring all legal documents are correct, complete, and compliant with local laws.
• Legal & Financial Outcomes: Any fees, taxes, penalties, or legal disputes resulting from your home sale are your responsibility.
• Regulatory Compliance: It is up to you to ensure you are following all relevant laws and regulations.

We strongly recommend consulting a licensed professional for legal or financial matters.

3. Accuracy Disclaimer

Our content is designed to provide general guidance based on market data and real estate industry knowledge. However:

• Our insights are the opinions and logic of Monty and may not always be accurate, complete, or up-to-date.
• DearMontydotcom does not guarantee successful negotiations, positive results,  or specific financial outcomes based on our commentary.
• Users should independently verify any information provided by the website.
• Neither DearMontydotcom nor Richard Montgomery is liable for any errors, omissions, or decisions made based on our content.

4. Freemium Model & Paid Upgrades

• Users can access and use the website for free.
• A paid upgrade grants a questioner a 24-hour money back guarantee for a priority response for a single question. If we cannot meet our 24 hour promise, the refund of the customer payment is our final obligation. If lack of an answer within 24 hours based on your circumstances could cause financial or emotional distress, do not use the 24 hour guarantee option.     

5. Account Termination

Dear Monty reserves the right to suspend or terminate accounts for:

• Abuse or fraud (e.g., scraping, attempting to circumvent paid features).
• Violation of these Terms.
• Any activity that disrupts the platform or its intended use.

6. Data Collection & Privacy

We do not collect or store user data to improve our platform. See our Privacy Policy for full details on how we handle your data.

7. Intellectual Property Rights

• All content, insights, and branding on DearMonty.com are owned by DearMonty.com.
• Users may not copy, resell, reverse-engineer, or modify any part of the DearMonty.com website.
• Any comments or questions submitted by users remains their property, but DearMonty.com reserves the right to use anonymized data for website improvements.

8. Third-Party Services & External Links

•  We do not warrant or guarantee use of third-party services. 
• External links provided within DearMonty.com are not endorsements, and we are not responsible for content on third-party websites.

9. Dispute Resolution & Governing Law

• All disputes arising from these Terms shall be resolved exclusively through mediation under the laws of the State of Wisconsin.
• Mediation shall be conducted by a single trained individual certified by a National Mediation organization.
• The mediation ruling can be rejected by one or both parties, who can then seek other means,such as arbitration, or legal action.

10. Force Majeure Clause

DearMonty.com is not liable for service disruptions, data loss, or failures caused by:

• Natural disasters
• Government regulations or legal changes
• Cyberattacks, server failures, or third-party outages
• Any other events beyond our control

11. Age Restrictions & Legal Compliance

• Users must be at least 18 years old to use DearMonty.com.
• Users are solely responsible for ensuring their use of DearMonty.com complies with all local real estate laws.

12. Changes to These Terms

We may update these Terms from time to time. If you are concerned about how you can use the site or your privacy check this page before proceeding. Continued use of DearMonty.com after changes means you accept the updated terms.

13. Contact Us

For questions, contact us at monty@dearmonty.com

By using DearMonty.com, you acknowledge that you have read, understood, and agreed to these Terms of Service.

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DearMonty.com Privacy Policy

Effective Date: December 16, 2025

This Privacy Policy explains how we collect, use, and protect your data when you use our website to provide you information in the public domain. By using DearMonty.com, you agree to the terms below.

1. What We Collect (And Why)

When you use DearMonty.com, we collect the following categories of info:

a. Information You Provide

• Your email address
• If you ask a question – the question
• If you contact us by email – the email you sent
• We do not keep your payment information on the 24 hour guarantee.

b. Information We Get Automatically

• Device/browser data
• IP address
• Pages visited, features used, time on site
• Clicks, scrolls, and interactions

This helps us improve the platform, diagnose issues, and understand what’s working (or not).

c. Info From Third Parties

• Analytics: We may use tools like Google Analytics to understand how users interact with the site. These tools may place cookies or collect session data.

2. How We Use Your Data

• To provide and improve our services
• To personalize your user experience
• To process payments and provide receipts
• To troubleshoot issues and provide support
• To show you relevant content, features, or offers
• To comply with legal obligations

We may use anonymized or aggregated data to improve our website features. This data does not identify you personally.

3. Sharing Your Data

We do not sell your personal info. We do, however, share data with:

• Third-party service providers (e.g. analytics, hosting, content distributors)
• Legal authorities, if required by law or to protect our rights

Any vendor we work with is required to handle your data securely and only for approved purposes.

4. Cookies & Tracking

Propbox uses cookies and similar tech to:

• Keep you logged in
• Track user behavior for product improvement
• Deliver more relevant content and marketing

You can disable cookies in your browser, but some features may break.

5. Data Storage & Security

Your data is stored on secure servers and protected using industry-standard practices. No system is 100% secure, but we work hard to keep your info safe.

6. AI-Specific Disclosure

DearMonty.com uses AI to provide suggestions based on property data and market trends. This AI:

• Does not access or analyze personal messages or private files
• May occasionally generate incorrect or outdated recommendations
• Is not a substitute for legal, financial, or professional advice

You’re always in control of final decisions. We often use AI-generated content for research in both Ask Monty a Question and in our regular posted content.

7. Your Rights & Choices

You can:

• Request deletion of your data by emailing monty@dearmonty.com
• Opt out of weekly column emails via the unsubscribe link
• Control cookies via browser settings

We’ll honor all reasonable requests in accordance with applicable laws.

8. Children’s Privacy

DearMonty.com is for users 18 and older. We don’t knowingly collect data from minors. If we find out a kid slipped through, we’ll delete their data immediately.

9. Updates to This Policy

We might update this policy sometimes to reflect new features, legal changes, or better explanations. If you are concerned about your privacy check the privacy policy before communicating with DearMonty.com. Continued use = acceptance.

10. Contact Us

Got questions? Send us a message at: monty@dearmonty.com