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Saturday, July 04, 2009 First Switzerland Financial
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About self-REALTY.com

self-REALTY.com is a service of Virtual Creations, Inc.
self-REALTY.com is an Internet service focusing on real estate market, allowing connection between sellers and buyers. It is a cost saving marketing tool, bringing people selling and looking for property together in one place.
We are offering easy, affordable way of advertising properties for sale and easy, free tool for buyers to find place they're looking for.
Currently we offer this service only in the United States.


self-REALTY.com savings

Research shows that almost 50% of people looking for house, look for it on the Internet. And that number is growing.
Our service allows you to present your property to thousands of potential buyers on the Internet and you are in control. We offer our users savings in following ways:
- Advertise your property on the Internet.
- Maintain it until your property is sold.
- Submit information about your property to search engines.
- At low cost seller can place an advertisement in a news paper with the direct link to the property's web page.


self-REALTY.com pricing

If you are the owner:
Cost of our service is $9.99 (one time setup fee)
Price includes:
- listing information about your property in our data base until your property is sold
- uploading up to 3 images of your property
- map link
- direct link to your property
- control interface for making changes to your listing
- your property views counter
- submission to search engines (exposure to thousands of Internet users)
- link to your property information in our mailings

If you are agent/broker:
Price of our service is $99 per year and $49 one time setup fee, (setup fee waived at this time)
Price includes:
- listing information about your properties in our data base until the property is sold (up to 10 properties at any time)
- uploading up to 3 images for each property
- map link
- direct link to your property
- control interface for making changes to your listing
- your property views counter
- submission to search engines
- link to your property information in our mailings

In addition you can present your property on our site leading pages as a 'PhotoLink'.

Click here for more information about 'PhotoLink'




self-REALTY.com Privacy Policy

Seller Information
Seller information is defined as information entered when registering as a seller on our Web site. By registering you agree to display some or all of this information for the purpose of contacting you by our users about your property. By providing your email address, you agree to receive information and authorize us to communicate with you electronically through that address. You agree to receive information from us about your account and or about our promotions. Your email address is your login ID. If your email address changes, you are required to notify us.
Virtual Creations, Inc. does not sell or distribute any of your individual personal information to other companies or vendors.

Buyer Information
Buyer information is defined as information entered when registering as a buyer on our Web site. Buyer information is not shown anywhere on our Web site. By registering you agree to receive information from us about your account and or about new listings and or about our promotions. By providing your email address, you agree to receive information and authorize us to communicate with you electronically through that address. Your email address is your login ID. If your email address changes, you are required to notify us. Virtual Creations, Inc. does not sell or distribute any of your individual personal information to other companies or vendors.

Credit Card Information
In order to provide our customers with the convenience of purchasing our products and services online, Virtual Creations, Inc. accepts credit card payments. Currently credit card processing is securely handled for us by PayPal, Inc. Please refer to PayPal, Inc. web site for their security and privacy policies.

Contests and Surveys
Virtual Creations, Inc. may occasionally asks users to complete surveys that we use for research purposes. This information is only shared with advertisers on an aggregate basis. Individual user information is not released.




self-REALTY.com Terms of Use

self-REALTY.com is a service of Virtual Creations, Inc. Virtual Creations, Inc. provides this Web site and the services offered on it ( the “Services”) under the following terms and conditions of service and use (the “Terms”). Please read them carefully. You understand and acknowledge that the Services are provided to you exclusively under these Terms. By accessing and using the Services, you agree that you have read and understand the Terms and that you agree to be bound by them, without limitation or qualification. As used on this Web site, the terms “we”, “us”, or “our” refer to Virtual Creations, Inc.

MODIFICATIONS TO THE TERMS
Virtual Creations, Inc. may change the Terms from time to time. If you object to any such changes, your sole recourse shall be to cease using the Services. Continued use of the Services shall indicate your acknowledgment of such changes and agreement to be bound by the terms and conditions of such changes, without limitation or qualification.

MODIFICATIONS TO THE SERVICES
We reserve the right to modify or discontinue (temporarily or permanently) the Services (or any part thereof) with or without notice to you. We shall not be liable to you or any third party if we exercise our right to modify or discontinue the Services. If you object to any such changes, your sole recourse shall be to cease using the Services. Continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes and satisfaction with the Services as so modified.

PRIVACY
As part of the registration process, you will be asked to provide certain personal information to us. All uses of your personal information will be in accordance with the provisions of our Privacy Policy.

YOUR ACCOUNT, PASSWORD AND SECURITY
While registered to use our service as a seller or as buyer you use your email as your user id. During registration you create your own password. You have ability to change or modify your user id and or password while you're an active user of our service. Your email that you provide is a way we can communicate with you as a user. You are solely responsible for maintaining of this information and the confidentiality of your password, and you are solely responsible for all activities that occur under your user id and password. You agree to immediately notify us of any unauthorized use of your user id and password or any other breach of security related to the Services. WE CANNOT AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO ADEQUATELY SAFEGUARD YOUR USER ID AND/OR PASSWORD, OR TO OTHERWISE COMPLY WITH THIS SECTION.

YOUR RESPONSIBILITIES
In providing us with information during the registration process, you agree to provide true, accurate, current and complete information as prompted and to maintain and update such information to keep it true, accurate, current and complete at all times. If any information you provide is untrue, inaccurate, not current or incomplete, or if we reasonably believe so, we may suspend or terminate your access to and use of the Services, and refuse to provide any current or future Services to you.
You acknowledge that you are over 18 years of age. You are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Services and all charges related thereto. You are solely responsible for all acts or omissions that occur under your account or password, including for all Content (as defined below) that you (or anyone using your account) submit, post or transmit through the Services. You agree not to use the Services to do any of the following:
violate any local, state, national or international law;
stalk, harass or harm another individual;
collect or store personal data about other users;
impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity;
interfere with or disrupt the Services or servers or networks connected to the self-REALTY.com Web site or the other Services, or disobey any requirements, procedures, policies or regulations of networks connected to the self-REALTY.com System; and
submit, post, store or transmit any (a) Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, racist, sexist, homophobic, or ethnically or otherwise objectionable; (b) Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships; (c) Content that infringes the intellectual property rights of a third party; or (d) material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

THIRD PARTY CONTENT AND MONITORING
We are a distributor (and not a publisher) of Content supplied by third parties and users of the Services. Accordingly, we have no editorial control over such Content. Any opinions, advice, statements, services, offers, or other information or Content expressed or made available by third parties, including information provided by other users of the Services, are those of the respective author(s) or distributor(s) of that information and not of Virtual Creations, Inc.. We neither endorse nor are responsible for the accuracy or reliability of any opinion, advice, information, or statement made on the self-REALTY.com Web site or utilizing the Services by anyone other than authorized Virtual Creations, Inc. spokespersons while acting in their official capacities. We have the right, but not the obligation, to monitor and review the Content on the self-REALTY.com Web site and provided through use of the Services and your account to determine compliance with these Terms and any other operating rules established by us, to satisfy any law, regulation or authorized government request, or for other purposes. You understand and acknowledge that we do not pre-screen or monitor Content for accuracy or reliability, but that we and our designees shall have the right (but not the obligation) in our sole discretion to remove any Content from the Services, without liability to you for any reason. Without limiting the foregoing, we and our designees shall have the right to remove any Content that violates the Terms, that we believe may create liability for us, or that we deem otherwise objectionable.

DEALINGS WITH PARTNERS AND ADVERTISERS
Your correspondence or business dealings with, participation in promotions of, or purchase of goods and/or services from our partners, advertisers or sponsors found on or through the Services, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such partner(s), advertiser(s) or sponsor(s). YOU AGREE THAT Virtual Creations, Inc. SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT INCURRED AS THE RESULT OF ANY SUCH DEALINGS, OR AS THE RESULT OF THE PRESENCE OF SUCH PARTNERS, ADVERTISERS OR SPONSORS ON OR THROUGH THE SERVICES.

EXTERNAL LINKS
Our provision of a link to any other Web site or location is for your convenience and does not signify our endorsement of such other Web site or location or its contents. Any concerns you may have regarding any external link should be directed to that link’s Web site administrator or webmaster. Virtual Creations, Inc. SHALL NOT BE LIABLE FOR ANY INFORMATION, SOFTWARE, OR LINKS FOUND AT ANY OTHER WEB SITE, INTERNET LOCATION, OR SOURCE OF INFORMATION, OR FOR YOUR USE OF SUCH INFORMATION.

NO SPAM
We do not condone or allow spam. We prohibit you from using the Services to promote your own Web site or any business, product or service through the sending of unsolicited email. We reserve the right to investigate and terminate your rights under this Agreement.

USE AND STORAGE
You acknowledge and agree that we may establish general practices and limits concerning use of the Services, including, without limitation, the maximum number of days that information, data, account history or other uploaded Content will be retained by the Services and the maximum number of times (and the maximum duration for which) you may access the Services in a given period of time.

NO RESALE OF SERVICE
You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Services, use of the Services or access to the Services.

TERMINATION
You agree that we, in our sole discretion, may terminate your password, account (or any part thereof) or access to and use of the Services, and remove and discard any information posted by you on or through the Services, for any reason or no reason, with or without notice and effective immediately, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of the Terms. You acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Services. You agree that we may terminate your account if it remains inactive for an extended period of time. FURTHER, YOU AGREE THAT WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE SERVICES. You may discontinue your participation in and access to the Services at any time.

DISCLAIMER OF WARRANTIES
YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE AND NON-INFRINGEMENT WITH RESPECT TO THE SERVICES.
WE MAKE NO WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; (B) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE; (C) THE ACCURACY, RELIABILITY OR QUALITY OF ANY INFORMATION, PRODUCTS, SERVICES OR OTHER MATERIAL OBTAINED THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS; (D) DEFECTS IN THE SERVICES WILL BE CORRECTED; OR (E) THE Virtual Creations, Inc. WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM(S) OR FOR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR INFORMATION.
WE DO NOT CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS OR SERVICES OFFERED BY THIRD PARTIES, AND WE MAKE NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH OR AS THE RESULT OF THE SERVICES.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Virtual Creations, Inc. OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL OWNERS OR ITS OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF OR IN ANY WAY RELATED TO:
the use or the inability to use the Services;
the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or transactions entered into through or from the Services;
unauthorized access to or alteration of your transmissions or data;
statements or conduct of any third party on or through the Services, including threatening, defamatory, obscene, offensive or illegal conduct or any infringement of another’s rights, including intellectual property rights;
your failure to adequately safeguard your password or access to the Services;
any Content you access through the services, including, but not limited to, for any errors or omissions in any Content, or your use of or reliance on any Content posted, emailed or otherwise transmitted through the Services;
termination of your access to or use of the Services as provided herein;
the deletion or failure to store any information or data, communications or Content maintained or transmitted by or through the Services;
any modification, suspension or discontinuance of the Services (or any part thereof) or these terms;
use of or reliance on any Content, goods or services available on any other Web sites that you access through the Services; and
any other matter relating to the Services or these Terms.

INDEMNIFICATION
You agree to indemnify, defend and hold harmless Virtual Creations, Inc., its parents, subsidiaries, affiliates, officers, directors, co-branders or other partners, employees, consultants and agents from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from (1) any information or Content (as defined below) that you (or anyone using your account) submits, posts or transmits through the Services, (2) your (or anyone using your account’s) use of the Services, (3) your (or anyone using your account’s) violation of these Terms, (4) your (or anyone using your account’s) violation of any rights of any other person or entity or (5) any viruses, trojan horses, worms, time bombs, cancel bots or other similar harmful or deleterious programming routines input by you into the Virtual Creations, Inc. Web site or other Services.

TRADEMARKS
self-REALTY.com is a service mark of Virtual Creations, Inc. Certain of the names, logos, and other materials displayed on the self-REALTY.com Web site and in and through the Services constitute trademarks, trade names, service marks or logos (“Marks”) of Virtual Creations, Inc. or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with us or those other entities.

COPYRIGHTS; RESTRICTIONS ON USE
The content of the Services, including without limitation, text, software, music, sound, photos, graphics, video, page layout and design and other material contained in the Services or information presented through the Services by Virtual Creations, Inc. or its licensors (the “Content”), is copyrighted by Virtual Creations, Inc. and/or its licensors under United States and international copyright laws, is subject to other intellectual property and proprietary rights and laws, including trademark and patent laws, and is owned by Virtual Creations, Inc. or its licensors. The Content may not be copied, modified, reproduced, republished, uploaded, posted, transmitted, sold, offered for sale, or redistributed in any way without the prior written permission of Virtual Creations, Inc. and our applicable licensors. You must abide by all copyright notices, information, or restrictions contained in or attached to any Content.

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