The terms that govern our relationship online.

These Terms of Service (the “Terms”) form a binding agreement between you and Matt Caiola, a licensed Connecticut real estate salesperson affiliated with Higgins Group Private Brokerage (together, “we,” “us,” or “our”). By accessing or using caiolafinehomes.com (the “Site”), submitting a form, or creating an account, you agree to these Terms. If you do not agree, please do not use the Site.

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Site. By using the Site, you represent that you meet these requirements and that your use will comply with all applicable laws.

Some Site features, including saved homes and saved searches, require an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate information at registration and to keep your account information current. We may suspend or terminate an account that is used in violation of these Terms.

You agree not to:

• Copy, download, scrape, harvest, or bulk-extract listing data, photographs, or other content from the Site, except for personal, non-commercial use consistent with MLS and IDX rules.
• Reverse engineer, decompile, or attempt to derive source code for any part of the Site.
• Use the Site to transmit spam, malware, or unlawful content.
• Impersonate any person or misrepresent your affiliation.
• Interfere with the Site’s operation, security, or availability.
• Use automated means (bots, crawlers, spiders) without our prior written consent, except for search-engine indexing consistent with our robots.txt.
• Use the Site for any unlawful, deceptive, or discriminatory purpose.

When you submit information to the Site, such as through a contact or valuation form, you grant us a non-exclusive, worldwide, royalty-free license to use, store, and process that information for the purposes described in our Privacy Policy and these Terms. You represent that you have the right to submit the information and that it does not violate anyone else’s rights or any law.

The Site, including its text, design, graphics, logos, and original photography, is owned by us or our licensors and is protected by copyright, trademark, and other laws. Except for the limited, non-commercial viewing use granted by these Terms, you may not reproduce, distribute, modify, or create derivative works from Site content without our prior written consent.

If you believe content on the Site infringes your copyright, please follow the process described in our DMCA / Copyright Notice. Notices should comply with the Digital Millennium Copyright Act (17 U.S.C. § 512) and be sent to mattcaiola@higginsgp.com.

Property listings displayed on the Site are supplied by third-party MLS and IDX feeds, including SmartMLS, Inc. Listing data is deemed reliable but is not guaranteed, and is provided exclusively for consumers’ personal, non-commercial use. Listings may be withdrawn, sold, or price-adjusted without notice. All property descriptions, dimensions, condition disclosures, tax information, and photographs originate with the seller and listing broker, not with us. You should independently verify any fact that matters to your decision.

The Site may display automated home-value estimates produced by automated valuation models (“AVMs”). AVM estimates are not appraisals, are not prepared by a licensed appraiser, and should not be relied upon as an accurate statement of market value or as a basis for any lending, tax, or legal decision. Actual market value can only be determined by a professional appraisal or comparative market analysis. If you would like a tailored comparative market analysis, please request one.

Submitting a contact form, home valuation request, newsletter signup, or account registration on the Site does not create a brokerage, agency, fiduciary, or client relationship. Under Connecticut law, a buyer- or seller-representation relationship with a licensed real estate salesperson is formed only upon the execution of a written representation agreement that complies with applicable Connecticut regulations. Please do not send us confidential information expecting fiduciary protections until a written representation agreement is in place.

Matt Caiola is a licensed real estate salesperson in the State of Connecticut. All real estate services advertised on the Site are offered through Higgins Group Private Brokerage, a licensed Connecticut real estate broker. Any compensation, agency representation, or transactional obligation runs through Higgins Group Private Brokerage as the supervising broker.

When you provide an email address or phone number through a form on the Site, you consent to receive communications from us about your inquiry and our services. You may opt out of marketing emails through the unsubscribe link in any message, or by emailing mattcaiola@higginsgp.com. Current public forms do not collect consent for marketing text messages. If we add a marketing text-message option, it will require a separate express consent checkbox, will not be required as a condition of service, and will include STOP opt-out language and message/data-rate disclosures.

The Site may contain links to third-party websites or services, including listing brokerages, map providers, and listing portals. We do not endorse and are not responsible for the content, accuracy, or privacy practices of any third-party site.

The Site and its content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components, or that any information on the Site (including listings, valuations, tax data, and school information) is accurate or complete.

To the fullest extent permitted by law, in no event will Matt Caiola, Higgins Group Private Brokerage, or our respective affiliates, agents, or licensors be liable to you for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of the Site, even if advised of the possibility of such damages. Our aggregate liability for any direct damages arising out of or relating to the Site will not exceed one hundred U.S. dollars ($100).

Nothing in this section limits any liability that cannot be limited under applicable law, including under the Connecticut Unfair Trade Practices Act (Conn. Gen. Stat. § 42-110a et seq.) or any other non-waivable consumer-protection law.

You agree to indemnify and hold harmless Matt Caiola, Higgins Group Private Brokerage, and our affiliates from any claim, loss, or expense (including reasonable attorneys’ fees) arising out of your misuse of the Site, your violation of these Terms, or your violation of any applicable law or third-party right.

We may update these Terms from time to time. When we make material changes, we will update the date at the top of this page and, where appropriate, provide additional notice. Continued use of the Site after an update means you accept the revised Terms. If you do not agree, you should stop using the Site.

We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms, if required by law, or at our reasonable discretion. Provisions that by their nature should survive termination, including disclaimers, limitation of liability, indemnification, governing law, and dispute resolution, will survive.

These Terms are governed by the laws of the State of Connecticut, without regard to conflict-of-law principles. Subject to the arbitration provisions below, any action arising out of or relating to these Terms or the Site must be brought in the state or federal courts located in Fairfield County, Connecticut, and you consent to personal jurisdiction in those courts.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

Questions about these Terms should be directed to: