Date Last Revised:
April 1st, 2021
INFORMATIONAL AND NO INVESTMENT ADVICE:
MR. STEVE MUEHLER, STEVE MUEHLER HOLDINGS, LLC AND ITS AFFILIATES ARE NOT BROKERS, DEALERS, INVESTMENT ADVISERS, REGISTERED EXCHANGE ADVISORS, LEGAL ADVISORS OR TAX ADVISORS. NEITHER STEVE MUEHLER, STEVE MUEHLER HOLDINGS, LLC NOR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS PROVIDES ANY LEGAL, TAX, INVESTMENT OR FINANCIAL ADVICE. PPM (including any of STEVE MUEHLER HOLDINGS, LLS's affiliates, officers, directors, employees and agents) (i) is not a broker-dealer, is not registered as a broker-dealer under Section 15 of the Securities Exchange Act of 1934 (the “Exchange Act”), does not offer or sell any securities and does not engage in the execution of securities transactions of third parties through the Site or otherwise; (ii) is not a registered securities exchange under the Exchange Act; (iii) is not an investment adviser and is not registered as an investment adviser with the United States Securities and Exchange Commission or any state authority; and (iv) is not a financial or tax advisor and does not offer legal, tax, financial or investment advice to any user of its services. The materials on the Site, including, without limitation, news articles, informational materials, webinars, videos, descriptions and any other information have been prepared for informational purposes only and do not constitute financial, legal, tax or any other advice. None of the information contained in the publicly available portions of the Site constitutes an offer, recommendation or solicitation, to buy or sell any securities or the provision of any investment advice. STEVE MUEHLER HOLDINGS, LLC does not receive compensation that is contingent on the outcome or completion of any securities transaction.
FORWARD-LOOKING AND CAUTIONARY STATEMENTS:
Except for historical information and discussions, statements set forth throughout the Site may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 or other applicable laws. These statements involve a number of risks, uncertainties, and other factors that could cause actual results to differ materially as disclosed on the materials provided on and through the Site.
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USE OF SITE:
Unauthorized use of the Site, including but not limited to, unauthorized entry into the Site and/or STEVE MUEHLER HOLDINGS, LLC’s systems, misuse of any information, is strictly prohibited. You may not use the Site in any manner that could damage, disable, overburden, or impair any STEVE MUEHLER HOLDINGS, LLC site (including the Site) or service or interfere with any other party’s use and enjoyment of any STEVE MUEHLER HOLDINGS, LLC site or service. You may not attempt to gain unauthorized access to any STEVE MUEHLER HOLDINGS, LLC site (including the Site) or service, computer systems or networks connected to any STEVE MUEHLER HOLDINGS, LLC site or service, through hacking, password mining or any other means. We reserve the right to suspend or cancel your access, account and password if such are provided without receiving such notice from you, if we suspect that it is being used in an unauthorized or fraudulent manner. Notwithstanding the above, if you have an account on the Site you are responsible for monitoring your account and should promptly report any unauthorized (e.g., if you believe someone has used your membership information to access the Site without your authorization) or suspicious activity in your account to us immediately at . STEVE MUEHLER HOLDINGS, LLC reserves the right to terminate, at any time, any user’s access to the Site, without giving notice or a reason for such termination to the user.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY:
ALL INFORMATION CONTAINED ON THE SITE IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND STEVE MUEHLER HOLDINGS, LLC (INCLUDING ANY OF STEVE MUEHLER HOLDINGS, LLC’S AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) EXPRESSLY DISCLAIMS MAKING ANY EXPRESS OR IMPLIED WARRANTIES WITH RESPECT TO THE FITNESS OF THE INFORMATION CONTAINED HEREIN FOR ANY PARTICULAR USAGE, ITS MERCHANTABILITY OR ITS APPLICATION OR PURPOSE. ADDITIONALLY, STEVE MUEHLER HOLDINGS, LLC (INCLUDING ANY OF STEVE MUEHLER HOLDINGS, LLC's AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, TIMELINESS OR COMPLETENESS OF THE INFORMATION CONTAINED ON THE SITE, WHETHER OR NOT SUCH INFORMATION IS PROVIDED BY PPM OR A THIRD PARTY, AND EQUITY LOCK RESIDENTIAL (INCLUDING ANY OF STEVE MUEHLER HOLDINGS, LLC’s AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT. IN NO EVENT WILL PRIVATE PLACEMENT MARKETS, LLC (INCLUDING ANY OF STEVE MUEHLER HOLDINGS, LLC's AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) BE RESPONSIBLE OR LIABLE FOR THE CORRECTNESS OR COMPLETENESS OF ANY MATERIAL OR INFORMATION PROVIDED ON THE SITE OR FOR ANY DAMAGE OR LOST OPPORTUNITIES RESULTING FROM USE OF THIS DATA. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE.
NEITHER STEVE MUEHLER HOLDINGS, LLC NOR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS WILL BE LIABLE TO YOU OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OR ANY OTHER DAMAGES OF ANY KIND ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO, OR INABIITY TO ACCESS, OR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF STEVE MUEHLER HOLDINGS, LLC (INCLUDING ANY OF STEVE MUEHLER HOLDINGS, LLC's AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY INCLUDES, WITHOUT LIMITATION, THE TRANSMISSION OF ANY VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES WHICH MAY INFECT YOUR COMPUTER OR OTHER EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES OR OTHER CONNECTIVITY ISSUES, UNAUTHORIZED ACCESS, OR ANY FORCE MAJEURE. STEVE MUEHLER HOLDINGS, LLC (INCLUDING ANY OF PPM’S AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS) CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE.
USE OF LINKS AND THIRD PARTY WEBSITES:
The Site contains links to third party websites. These links are provided only as a convenience. If you leave the Site via a link contained herein, and view content that is not provided by STEVE MUEHLER HOLDINGS, LLC, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy or otherwise reviewed by STEVE MUEHLER HOLDINGS, LLC. STEVE MUEHLER HOLDINGS, LLC (including any of STEVE MUEHLER HOLDINGS, LLC’s affiliates, officers, directors, employees and agents) does not control these other sites or services and makes no representations or endorsements whatsoever concerning those sites or services. The fact that STEVE MUEHLER HOLDINGS, LLC has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation with respect to such site, its owners, or its providers. You agree that under no circumstances will you hold STEVE MUEHLER HOLDINGS, LLC (including any of STEVE MUEHLER HOLDINGS’s affiliates, officers, directors, employees and agents) liable for any loss or damage caused by use of or reliance on any content, goods or services available on other sites. Certain portions of the Site contain information provided by third parties, and STEVE MUEHLER HOLDINGS, LLC (including any of STEVE MUEHLER HOLDINGS, LLC's affiliates, officers, directors, employees and agents) does not endorse or guarantee any such third party information for any purpose, including but not limited to accuracy, legality, appropriateness, non-infringement or fitness for any particular purpose. You acknowledge and agree that STEVE MUEHLER HOLDINGS, LLC (including any of STEVE MUEHLER HOLDINGS, LLC's affiliates, officers, directors, employees and agents) is not responsible for any third party information, products or services or third party websites accessed through the Site and does not make any representations or warranties regarding any such third party content. Any and all postings of information, documents and/or other materials to the Site by third parties are the sole responsibility of the person(s) who originated such information, documents and/or other materials, and STEVE MUEHLER HOLDINGS, LLC (including any of STEVE MUEHLER HOLDINGS, LLC’s affiliates, officers, directors, employees and agents) does not control and may not monitor such content. STEVE MUEHLER HOLDINGS, LLC reserves the right at all times, but is under no obligation, to remove any of such third party information, documents and/or other materials on the Site.
GOVERNING LAW AND ARBITRATION:
ADDITIONAL INFORMATION ABOUT THE EQUITY LOCK RESIDENTIAL - HOME VALUE PROTECTION:
STEVE MUEHLER HOLDINGS, LLC (the "Company", "we", and "us") is not an insurance company and does not issue any contracts or policies of insurance against any losses. The EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION product is a contract to hedge against risks, not investment contracts or contracts of insurance. Although they are designed to mitigate risks associated with declines in certain real estate market sectors, EQUITYLOCK RESIDENTIAL- HOME VALUE PROTECTION contracts do not eliminate all risks of real estate ownership. At the same time, although they are designed to manage the risks of drops in housing values, they may entitle you to payments even if your home does not decline in value. Because of the way our EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts are structured, you may be entitled to contractually defined payments even if you sell the Subject Property at a profit, just as you may be entitled to no payments even if you sell the Subject Property at a price lower than its original value or if the Subject Property's equity is impaired before or upon resale. Your rights to receive payments under an EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contract depends on the changes in the Subject Property's value or final sales price. EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts have not been reviewed, endorsed or approved by any federal, state or local government regulators, including securities or insurance regulators of the federal government or any state, and PRIVATE PLACEMENT MARKETS, LLC is not a regulated insurance or investment company.
We can offer the risk-reducing benefits of the EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts by analyzing extensive data on real estate values, real estate turnover rates, and other demographic and financial data, and making future projections on the basis of that information. The historical data we use and upon which we make projections has been obtained from industry recognized sources as well as proprietary calculations that we regard as generally reliable, but STEVE MUEHLER HOLDINGS, LLC does not guarantee the accuracy of the underlying data or computations based thereon. Past information related to real estate markets is not a guarantee of future market performance, and STEVE MUEHLER HOLDINGS, LLC makes no guarantee about the direction of any real estate values, including values in the market where you own the Subject Property. We regard our data collections and analysis as confidential. The Company reserves the right to reject applicants for EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts or to charge different prices for those contracts on the basis of supply and demand forces, our own assessment of risks or other information.
When STEVE MUEHLER HOLDINGS, LLC sells EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts, it maintains a portion of the purchase price in reserve accounts designed to provide sufficient funds to satisfy the Company’s contractual obligations assuming significant and sustained drops in real estate values in all geographic markets. Although we maintain reserves in investment accounts in order to cover likely obligations under EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contracts, those funds are the property of STEVE MUEHLER HOLDINGS, LLC and you do not retain any legal or beneficial rights in those investments. Once you purchase an EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contract, the money you pay for that contract becomes the property of STEVE MUEHLER HOLDINGS, LLC. We do not guarantee any particular return on our investments and hold and direct those investments strictly for our own purposes (including our own projections of necessary reserves) in a manner designed to cover any payout requests and to cover other Company expenses, and not in the capacity as a money manager or fiduciary for EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contract holders. STEVE MUEHLER HOLDINGS, LLC does not act as a fiduciary for any particular EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contract holder, or for contract holders in the aggregate.
STEVE MUEHLER HOLDINGS, LLC may maintain relationships or accounts with real estate brokers, listing agents, escrow agents, and other real estate professionals in your area or elsewhere; with mortgage lenders, banks, money managers, investment professionals or other financial institutions; and with real estate developers or others with interests related to commercial or residential real estate. These relationships are useful in making STEVE MUEHLER HOLDINGS, LLC products and/or services available to real estate owners like you. The interests of these individuals and institutions may not always align with your own interests, either in relation to your interest in the Subject Property, the real estate values where the Subject Property is located, your EQUITYLOCK RESIDENTIAL - HOME VALUE PROTECTION contract, or otherwise.
This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.
Service is the https://www.EquityLockResidential.com website operated by STEVE MUEHLER HOLDINGS, LLC.
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
“Data Processors (or Service Providers)”
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
“Data Subject (or User)”
Data Subject is any living individual who is using our Service and is the subject of Personal Data.
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
TYPES OF DATA COLLECTED:
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
First name and last name;
Address, State, Province, ZIP/Postal code, City; and
Cookies and Usage Data.
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.
We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.
You can enable or disable location services when you use our Service at any time by way of your device settings.
Tracking Cookies Data
Examples of Cookies we may use are as follows:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Use of Data:
We may use the collected data for various purposes, including, without limitation:
To provide and maintain our Service;
To notify you about changes to our Service;
To allow you to participate in interactive features of our Service when you choose to do so;
To provide customer support;
To gather analysis or valuable information so that we can improve our Service;
To monitor the usage of our Service;
To detect, prevent and address technical issues; and
To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
Legal Basis for Processing Personal Data under the General Data Protection Regulation (“GDPR”)
We may process your Personal Data for the following reasons, among others:
We need to perform a contract with you;
You have given us permission to do so;
The processing is in our legitimate interests and it is not overridden by your rights; and
To comply with the law.
Retention of Data
We may also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.
Transfer of Data