Privacy Policy

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Terms of Use

Welcome to BellaRuby!

BellaRuby facilitates collaboration between the real estate industry and the mortgage industry, and provides information, resources, tools, products and services specific to the real estate and mortgage industries and related markets. BellaRuby services (the “Services”) may be accessed through the Agenct Converter website (hereafter the “Site” or “BellaRuby”). These Terms of Use govern your use of and access to BellaRuby. Please read them carefully.


By using or accessing BellaRuby and/or the Services, you agree to be legally bound by the Terms of Use and Privacy Policy found at as amended from time to time (collectively, the “Agreement”). If you do not agree with the Agreement without limitation or qualification, you should not access or use BellaRuby. Your continued use of or access to BellaRuby following any changes made to the Agreement will mean that you also accept and agree to be bound by the changes or any then-current Agreement. Because we reserve the right to modify the Agreement at any time without notice to you, please check them regularly for changes. References to “BellaRuby,” “we,” or “us” in the Agreement refer to BellaRuby, LLC, a South Carolina limited liability company that supports and maintains the Site and the Services.

This Terms of Use was last updated on: ___ 2014. Click here for a summary of changes.


To be authorized to access and use BellaRuby you represent and warrant that you (a) are at least 13 years old, (b) are not currently restricted by BellaRuby or any law enforcement agency from accessing or using the BellaRuby Services or not otherwise restricted from having an Account, (c) have the full power and authority to enter into this Agreement and doing so will not violate any other agreement to which you are a party, and (d) will not violate any rights of BellaRuby or a third party, including the intellectual property rights of such third party.

If you are not at least 13 years old, you are not authorized to access BellaRuby or the Services and should leave the Site immediately or we invite you to click here.

Registration and Security

You may have limited access to some features of BellaRuby without registering for a user account (an “Account”). Those who access BellaRuby without registering for an Account shall be referred to as “Users”.

In order to gain access to additional features, however, you must register and create an Account with BellaRuby. Users who have registered an Account shall thereafter be “Subscribers.” This Agreement may from time to time refer to different types of Subscribers such as Consumers, Lenders, Real Estate Agents, and Supplier Subscribers depending on the context in which such terms are used. A Subscriber that is a potential buyer or seller is a “Consumer”, a Subscriber that is a mortgage lending professional or firm is a “Lender”, a Subscriber that is a real estate agent or firm is a “Real Estate Subscriber”, and a Subscriber that is a service provider and/or supplier is a “Supplier”. A Subscriber may access the Site to review content, access the Services, or download content from the Site.

When registering as a Subscriber, you agree to provide accurate, current and complete information for registration and to update such information to keep it accurate, current and complete. BellaRuby reserves the right to suspend or terminate your Account at any time or for any reason or no reason, including if any information provided for registration is determined to be inaccurate, not current or incomplete. BellaRuby shall be under no obligation to refund any payment if, in its sole discretion, BellaRuby terminates your Account due to your violation of the Agreement.

You are responsible for safeguarding your password. You agree that you will not disclose your password to any third party and that you will take sole responsibility for any activities or actions under your Account, whether or not you have authorized such activities or actions. You shall never use an Account that is registered to another Subscriber (described below) without express permission from such other Subscriber. You will immediately notify BellaRuby of any unauthorized use of your Account or if you suspect that the security of your password or your Account has been compromised.

Subscriber Content, License and Warranties

Subscriber Content

As a Subscriber, you may post, submit, provide, transmit, publish, display, or share content with BellaRuby. “Consumer Content” will include details relevant to Consumers’ efforts to obtain a mortgage, buy a home and/or sell a home including information that identifies a possible down payment amount, preferred financing structure, price range, property description, desired neighborhood, preferred listing price, employment, licensing information, etc. Content provided by Lenders, Real Estate Subscribers, and Suppliers will be known as “Lender Content”, “Real Estate Content”, and “Supplier Content”, respectively (collectively, Consumer Content, Lender Content, Real Estate Content, and Supplier Content will be referred to as “Subscriber Content”). Such content may be in the form of any media (e.g., text, documents, images, audio content, video content, etc.), advertising content, or communications with other Subscribers or Users including blog posts, email, messages, etc.

License Grant to Subscriber Content and Warranties

You grant to BellaRuby a non-exclusive, irrevocable, assignable, sublicenseable, worldwide, perpetual, fully paid-up and royalty-free license to use, copy, display, prepare derivative works of, improve, modify, distribute, publish, remove, retain, process, and commercialize Subscriber Content that you contribute, upload, transmit or otherwise provide to BellaRuby, in any way now known or in the future discovered, even if such Subscriber Content has been contributed and subsequently removed by you. Any Subscriber Content that you contribute to BellaRuby is at your own risk of loss.


By contributing Subscriber Content to BellaRuby, you represent and warrant that (i) you are the author, owner, or are otherwise authorized to contribute the Subscriber Content, (ii) the Subscriber Content is true and accurate, (iii) the Subscriber Content is not confidential, and (iv) does not violate any rights, or infringe or misappropriate the intellectual property rights of any third party.

You are responsible for your own activities and communications on BellaRuby and you are responsible for the consequences of such activities and communications. You shall not, and by using or accessing BellaRuby or using the Services, you agree not to do any of the following:

  • Post any incomplete, false or inaccurate information or Subscriber Content that is in any other manner untrue or incorrect.
  • Post any information or Subscriber Content that is subject to copyright protection, unless you are the copyright owner or have the owner’s permission to post such information or Content.
  • Post information or Subscriber Content that reveals trade secrets or proprietary or confidential information, unless you are the owner or have the owner’s permission to post such information or Content.
  • Post any information that infringes any intellectual property rights of others or the privacy or publicity rights of others.
  • Post information or Subscriber Content that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another Subscriber, or User, or any other person or entity.
  • Post information or Subscriber Content that includes or uses terms or phrases that are false or misleading, profane, intended to disguise profanity or vulgarity, or are patently offensive or obscene.
  • Post any type of inappropriate and/or sexually explicit language or content.
  • Post any information that:

    • is inappropriate for a minor child less than eighteen years of age,
    • seeks to establish an inappropriate meeting or communication with such minor child, or
    • advertises an event or activity not associated with BellaRuby, Subscriber Content, the Site, or the Services that is directed to such minor child.
  • Post solicitations, advertising, chain letters or any other information that is in any way associated with an unlawful scheme or to impersonate another person or entity.
  • Post content that contains viruses, Trojan horses, worms, or other computer programming routines or engines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information.