Website: https://www.ramseydualbrokerhomesearch.com
Effective Date: November 10, 2026
Last Updated: November 10, 2026
1. Agreement to These Terms
These Terms of Service ("Terms") govern your access to and use of https://www.ramseydualbrokerhomesearch.com and all of its pages, search tools, area pages, listing pages, home value tools, forms and related features (together, the "Website"). The Website is operated by Brian Patrick Ramsey ("we," "us," or "our").
By accessing or using the Website, you agree to these Terms and to our Privacy Policy at https://www.ramseydualbrokerhomesearch.com/privacy-policy. If you do not agree, do not use the Website.
2. Who We Are
Brian Patrick Ramsey is an Arizona real estate broker with Equity Star Realty and a mortgage professional with Barrett Financial Group, L.L.C. Full licensing information appears in Section 22 and at the bottom of the Website.
Real estate brokerage services are offered in Arizona only.
In California, Brian Patrick Ramsey provides mortgage services only and does not provide real estate brokerage services.
Equity Star Realty and Barrett Financial Group, L.L.C. are separate companies. You are not required to use Barrett Financial Group, L.L.C. for financing in order to work with Equity Star Realty, and you are not required to use Equity Star Realty for real estate services in order to work with Barrett Financial Group, L.L.C. You are free to choose any real estate brokerage and any lender.
3. Eligibility
You must be at least 18 years old to use the Website's forms or to contact us through the Website. The Website is not directed to children under 13.
4. No Professional Relationship Created by Browsing
Browsing the Website, searching listings, viewing market information, requesting a home value estimate, subscribing to updates or submitting a form does not create a real estate agency, brokerage, client or fiduciary relationship with Brian Patrick Ramsey or Equity Star Realty, and does not create a mortgage, loan application, lending or broker relationship with Brian Patrick Ramsey or Barrett Financial Group, L.L.C. Any such relationship arises only from a separate written agreement or, for mortgage services, a completed loan application and the disclosures required by law.
Nothing on the Website is legal, tax, financial, investment, appraisal or inspection advice. Consult the appropriate licensed professional before making decisions.
5. Listing Data (IDX) and MLS Disclaimers
Property listing information on the Website is provided by the Arizona Regional Multiple Listing Service, Inc. ("ARMLS") through its Internet Data Exchange ("IDX") program. Listings held by brokerages other than Equity Star Realty are marked with the listing brokerage's name.
Information deemed reliable but not guaranteed. Listing information is provided by the Arizona Regional Multiple Listing Service (ARMLS) exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listings are displayed with the listing brokerage named. All information should be independently verified. Copyright Arizona Regional Multiple Listing Service, Inc. All rights reserved.
Listing information, including price, status, availability, square footage, lot size, year built, taxes, HOA information, school assignments, photos, descriptions and listing history, may be inaccurate, incomplete or out of date, and properties may be sold, withdrawn or changed at any time. School information should be verified directly with the school or district. Square footage and other measurements are approximate. Neither we, Equity Star Realty, ARMLS nor any listing brokerage guarantees the accuracy of listing information.
Listing photos, descriptions and other listing content are owned by ARMLS, the listing brokerages, photographers or other third parties and are displayed under license. You may not copy, download in bulk, republish or redistribute them.
6. Market Snapshots, Shop by Price, Home Value Estimates and Other Estimates
The Website displays automated market information, including area "Market Snapshot" figures (such as the number of homes for sale and median, lowest and highest list prices), "Shop by Price" categories and counts, listing counts, and automated home value estimates and value ranges generated from information you enter and from MLS data. These figures:
are generated automatically, may not include every property, and may be delayed, incomplete or inaccurate;
are provided for general information only and are not guaranteed;
are not an appraisal, a broker price opinion, a comparative market analysis prepared by a licensed professional, or an offer to buy or list your property; and
must not be relied on for any lending, tax, legal, insurance or investment decision.
Area descriptions are general and subjective and are not a statement about who lives, or should live, in any area. Verify all information independently.
7. Mortgage Information
Any mortgage or financing information on the Website is general and educational. It is not an advertisement of specific loan terms, a loan offer, a pre-qualification, a pre-approval, a loan estimate or a commitment to lend. This is not a commitment to lend. All loans are subject to credit approval, property approval, underwriting, and program guidelines, and not all applicants will qualify. Loan terms are available only after a complete application is reviewed. Mortgage services are provided by Brian Patrick Ramsey, NMLS #183144, through Barrett Financial Group, L.L.C., NMLS #181106. Equal Housing Lender.
8. License to Use the Website
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website in a web browser for your personal, non-commercial purpose of identifying and researching properties you may be interested in buying, selling or financing. All rights not expressly granted are reserved.
9. Acceptable Use
You agree not to, and not to help or allow anyone else to:
use the Website or any listing data for any commercial purpose, or for any purpose other than identifying prospective properties for your personal use;
use the Website if you are a real estate licensee, lender, investor, wholesaler, data aggregator or other industry participant seeking to collect leads, listing data or market data for business use, except with our prior written permission;
submit false, misleading or another person's information, or impersonate any person or entity;
submit a form on another person's behalf without that person's permission, or submit a phone number you are not authorized to use;
send spam, unsolicited advertising, chain letters, or automated or bulk form submissions;
upload or transmit viruses, malware or any harmful, disruptive or excessive-load code or traffic;
interfere with, disrupt, overload, probe, scan or test the vulnerability of the Website, its servers or networks, or breach or circumvent any security, authentication, usage-limit, bot-protection or access-control measure;
use the Website to harass, threaten, defame or discriminate against anyone, including in violation of fair housing laws;
use the Website in violation of any law, the ARMLS IDX rules, or the rights of any third party.
10. Prohibited Scraping, Data Mining and Misuse of Listing Data
The listing data, photos, market statistics, area content and compilation of information on the Website are valuable proprietary and licensed content. Without our prior written consent, you may not:
use any robot, spider, crawler, scraper, headless browser, script, browser extension, automated agent or other automated or manual process to access, monitor, copy, harvest, extract or index any part of the Website or its content, except that general-purpose public search engines may crawl the Website in compliance with our robots.txt file and solely to create publicly available search indexes;
access or call the Website's internal data endpoints, APIs or server functions directly, or other than through the Website's normal user interface;
copy, download in bulk, store, compile, database, republish, sell, license, distribute, display or create derivative works from listing data, photos, market statistics or other content;
use any content from the Website to build, train, fine-tune, test or improve any artificial intelligence, machine learning or large language model, dataset or competing product or service;
frame, mirror, or deep-link to the Website in a way that suggests sponsorship or that bypasses required disclaimers or attributions;
remove, obscure or alter any copyright notice, MLS attribution, listing brokerage attribution, disclaimer, watermark or license disclosure;
reverse engineer, decompile or disassemble any part of the Website, except to the extent applicable law expressly permits it despite this restriction; or
use the Website or its content to send marketing to property owners, sellers, listing agents or other consumers.
We may monitor use of the Website, apply usage limits and bot-protection tools, and block, suspend or terminate access by any person, device, IP address or network that we believe violates these Terms. Unauthorized scraping or data extraction may also violate the ARMLS IDX rules, copyright law and computer misuse laws. We and our licensors may seek all available remedies, including injunctive relief and recovery of costs and attorneys' fees to the extent permitted by law.
11. Communications and Forms
When you submit a form on the Website (for example, a home value request, a request for information or a showing, or an email subscription), you agree that the information you provide is accurate and that you are authorized to provide it. How we use that information, including calls, texts and emails, is described in our Privacy Policy. Consent to receive calls or text messages is not a condition of buying any property, goods or services. Submitting a form does not guarantee a response within any particular time, and a showing request is not confirmed until we confirm it with you directly.
Do not send sensitive information, such as Social Security numbers, bank or account numbers, or loan documents, through the Website's general forms.
12. User Submissions
If you send us comments, ideas or feedback, you grant us a non-exclusive, royalty-free, perpetual license to use them without obligation to you. You remain responsible for anything you submit.
13. Intellectual Property
Except for third-party and MLS content, the Website and its design, layout, listing card and page designs, text, graphics, logos, area descriptions, photographs and imagery created for the Website, software and code, and the selection and arrangement of content are owned by or licensed to Brian Patrick Ramsey and are protected by copyright, trademark and other laws. "Ramsey Dual Broker" and related names and logos may not be used without our written permission. Equity Star Realty, Barrett Financial Group, L.L.C., ARMLS and other third-party names and logos belong to their owners.
14. Copyright Complaints
If you believe content on the Website infringes your copyright, send a notice to bramsey@ramseydualbroker.com including: your contact information; a description of the copyrighted work; the URL of the material; a statement that you have a good-faith belief the use is not authorized; a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner; and your physical or electronic signature. Listing content is supplied by ARMLS and listing brokerages, and we may forward notices about listing content to them.
15. Third-Party Links and Content
The Website links to or displays content from third parties, including ARMLS listing data, listing photos delivered by third-party image servers, web fonts, our other websites (such as ramseydualbroker.com), and social media sites (such as Facebook, Instagram, LinkedIn, YouTube, TikTok, Pinterest and X). We do not control and are not responsible for third-party websites, content, products, services or privacy practices. Your use of them is governed by their terms and policies.
16. Fair Housing and Equal Opportunity
Brian Patrick Ramsey and Equity Star Realty are committed to compliance with the federal Fair Housing Act, the Arizona Fair Housing Act and all other applicable fair housing laws. We do not discriminate on the basis of race, color, religion, sex (including sexual orientation and gender identity), disability, familial status, national origin, or any other characteristic protected by federal, state or local law. Equal Housing Opportunity.
Mortgage services are offered in compliance with the Equal Credit Opportunity Act and other fair lending laws. Equal Housing Lender.
Area and neighborhood descriptions on the Website are general and are not intended to indicate any preference, limitation or discrimination. If you believe you have experienced housing discrimination, you may contact the U.S. Department of Housing and Urban Development (HUD) or the Arizona Attorney General's Office, Civil Rights Division.
17. Accessibility
We want the Website to be accessible to everyone, including people with disabilities. We aim to follow the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA, and we review the Website periodically. Some content, such as listing photos and descriptions supplied by third parties through the MLS, may not be fully accessible. If you have difficulty using any part of the Website, contact Brian Patrick Ramsey at (602) 584-2023 or bramsey@ramseydualbroker.com, tell us the page and the problem, and we will work with you to provide the information in another way.
18. Disclaimers
THE WEBSITE AND ALL CONTENT, LISTING DATA, MARKET INFORMATION AND ESTIMATES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE OR FREE OF HARMFUL COMPONENTS, OR THAT ANY PROPERTY IS AVAILABLE. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
19. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER BRIAN PATRICK RAMSEY, EQUITY STAR REALTY, BARRETT FINANCIAL GROUP, L.L.C., ARMLS, HASHTAG MEDIA AZ, NOR THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS OR SERVICE PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OPPORTUNITY OR GOODWILL, ARISING OUT OF OR RELATED TO THE WEBSITE OR ANY CONTENT, LISTING DATA OR ESTIMATE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE WEBSITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). This section does not limit liability that cannot be limited under applicable law, and it does not limit any duties owed under a separate written brokerage agreement or loan documents.
20. Indemnification
You agree to defend, indemnify and hold harmless Brian Patrick Ramsey, Equity Star Realty, Barrett Financial Group, L.L.C., ARMLS and their respective owners, officers, employees, agents, licensors and service providers from any claims, losses, liabilities, damages, costs and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the Website or its content (including any scraping or unauthorized use of listing data), or your violation of any law or third-party right.
21. Governing Law, Venue and Disputes
These Terms and any dispute arising out of or related to them or the Website are governed by the laws of the State of Arizona, without regard to its conflict-of-law rules, and applicable federal law. You agree that any action will be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to their personal jurisdiction and venue, except that we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our or our licensors' intellectual property or listing data. Any claim must be brought within one (1) year after it arises, to the extent permitted by law.
22. Licensing Disclosures
Real estate: Brian Patrick Ramsey, Arizona real estate broker, license BR533273000, with Equity Star Realty, 20860 N. Tatum Blvd., Phoenix, AZ 85050. Phone: (602) 584-2023. Email: bramsey@ramseydualbroker.com. Real estate brokerage services are offered in Arizona only.
Mortgage: Brian Patrick Ramsey, NMLS #183144, Barrett Financial Group, L.L.C., NMLS #181106, 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law license. In California, Brian Patrick Ramsey provides mortgage services only. NMLS Consumer Access: https://www.nmlsconsumeraccess.org
Equal Housing Opportunity | Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval.
23. Suspension and Termination
We may change, suspend or discontinue any part of the Website, and may suspend or terminate your access at any time, with or without notice, including for violation of these Terms. Sections that by their nature should survive (including Sections 5, 6, 10, 13 and 18 through 21) will survive termination.
24. Changes to These Terms
We may update these Terms from time to time. We will post the updated Terms on this page and change the "Last Updated" date. Changes are effective when posted unless stated otherwise. Your continued use of the Website after changes are posted means you accept them.
25. General
These Terms and our Privacy Policy are the entire agreement between you and us regarding the Website and supersede any prior agreements about the Website. They do not replace any separate written brokerage agreement, loan application or loan documents. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them. Headings are for convenience only.
26. Contact Us
Brian Patrick Ramsey
Equity Star Realty
20860 N. Tatum Blvd., Phoenix, AZ 85050
Phone: (602) 584-2023
Email: bramsey@ramseydualbroker.com