Terms of Use
These terms govern use of Blocara.org and inquiries arising from the site. A separate signed agreement controls an actual property transaction.
Effective and last updated: July 10, 2026
1. Acceptance
By accessing or using Blocara.org, submitting an inquiry, or communicating in response to the site, you agree to these Terms of Use and the Privacy Policy. If you do not agree, do not use the site. A separate signed agreement controls any purchase, assignment, referral, service, or transaction and will prevail over these website terms to the extent of a direct conflict.
2. Eligibility
You must be at least 18 years old and legally capable of entering agreements. You may submit information only for yourself or when authorized to act for the owner, estate, trust, entity, or other relevant person. Do not impersonate another person or misstate authority.
3. Private organization and brand
Blocara Homeowner Assistance Trust is a private public-facing brand of Blocara.org. The brand name does not create a legal trust, fiduciary duty, trustee-beneficiary relationship, charitable status, government affiliation, escrow, agency, or professional-client relationship.
4. Informational and marketing purpose
The site provides general information and a means to request contact about property situations. It is not legal, tax, accounting, mortgage, foreclosure, bankruptcy, insurance, appraisal, engineering, environmental, investment, or real estate brokerage advice. Information may not reflect the law or procedure in every jurisdiction and is not a substitute for independent professional advice.
5. No emergency or deadline service
The site is not an emergency service. A submission does not notify a court, lender, servicer, trustee, county, tax authority, insurer, creditor, association, tenant, occupant, or other party and does not pause or change a deadline. You remain responsible for monitoring notices and obtaining timely advice.
6. No mortgage assistance relief service
Blocara does not offer to negotiate loan modifications, forbearance, repayment plans, principal reductions, rate changes, short-sale approvals, deeds in lieu, or other mortgage assistance relief services for a fee. Contact the servicer, a HUD-approved housing counselor, or qualified counsel for those services.
7. No agency or fiduciary relationship
Unless a separate written agreement expressly states otherwise, Blocara does not represent you as an attorney, broker, agent, fiduciary, trustee, lender, counselor, or adviser. Blocara may act as a prospective buyer, contract purchaser, assignor, referral source, marketer, or another disclosed transaction participant whose interests may differ from yours.
8. Inquiries and communications
By submitting contact information, you authorize inquiry-related calls, emails, and texts. Consent is not a condition of accepting an offer. Message and data rates may apply. Reply STOP to end text messages. Marketing messages requiring separate consent will be sent only when the required consent is obtained. Calls may be recorded or transcribed after notice or consent required by law.
9. Accuracy of submissions
You agree that information submitted is accurate to the best of your knowledge and that you have authority to provide it. You will not upload malicious files, confidential information belonging to another person without authority, or unnecessary sensitive data. Redact Social Security numbers, bank credentials, complete account numbers, and identity documents unless a secure channel is specifically provided.
10. Potential offers and transactions
Blocara is not required to make an offer, continue negotiations, or complete a transaction. Discussions, estimates, valuations, timelines, and proposed terms are nonbinding unless included in a signed agreement. Offers may be below possible retail market value and may depend on title, authority, condition, inspections, access, debt, liens, proof of funds, financing, court or third-party approval, and closing requirements.
11. Assignment and resale
A separate purchase agreement may permit Blocara or a related buyer to assign contractual rights or resell the property. Blocara may earn assignment proceeds or resale profit. The end buyer may differ from the original contracting buyer. Contract terms, disclosures, and applicable law control.
12. Third-party resources
Government links, professional referrals, service providers, embedded content, and external websites are provided for convenience. Blocara does not control third parties, guarantee their availability or results, or assume responsibility for their advice, fees, terms, privacy, security, or performance. A lawful referral payment may be received and should be disclosed where required.
13. Intellectual property
Site text, design, graphics, branding, organization, and other content are owned by Blocara or used with permission and are protected by applicable law. You may use the site for personal, noncommercial evaluation of a property situation. You may not copy, scrape, republish, train a competing service on, sell, impersonate, or create misleading derivative content without written permission, except as permitted by law.
14. Prohibited conduct
Do not interfere with the site, probe security, introduce malware, scrape at unreasonable volume, submit fraudulent leads, harvest contact data, violate law, infringe rights, discriminate unlawfully, or use the site to threaten, harass, deceive, or facilitate an unlawful transaction.
15. Disclaimers
THE SITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” TO THE FULLEST EXTENT PERMITTED BY LAW. BLOCARA DISCLAIMS WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, SECURITY, AND RESULTS. NO WEBSITE CONTENT OR COMMUNICATION GUARANTEES AN OFFER, VALUE, CLOSING, DEADLINE EXTENSION, PROFESSIONAL RESULT, OR PARTICULAR OUTCOME.
16. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, BLOCARA AND ITS OWNERS, AFFILIATES, PERSONNEL, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST EQUITY, PROFITS, OPPORTUNITY, DATA, OR USE; OR ACTIONS OF THIRD PARTIES ARISING FROM WEBSITE USE. NOTHING IN THESE TERMS EXCLUDES LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED.
17. Indemnification
To the extent permitted by law, you agree to defend and indemnify Blocara from claims arising from your unlawful use, fraudulent or unauthorized submissions, infringement, malicious files, or breach of these Terms. This provision does not require a consumer to indemnify Blocara for Blocara’s own unlawful conduct where prohibited.
18. Changes and availability
We may modify, suspend, or discontinue site content and update these Terms. The updated date identifies the current version. Continued use after changes constitutes acceptance to the extent permitted by law.
19. Severability and non-waiver
If a provision is unenforceable, it will be limited to the minimum extent necessary and the remainder will remain effective. Failure to enforce a provision is not a waiver.
20. Applicable law and non-waivable rights
Applicable federal, state, and local law governs. These Terms do not waive non-waivable consumer, privacy, fair housing, foreclosure, probate, property, or procedural rights. Any separate transaction agreement may contain additional governing-law, venue, mediation, or arbitration provisions.
21. Contact
Use the contact form on Blocara.org. Label legal notices or questions clearly and do not attach unrelated sensitive documents.