Terms of Service

Welcome to the website of Lamia Chowdhury, Sales Representative at CENTURY 21 Innovative Realty Inc. Brokerage. By accessing or using this website, you agree to be bound by these Terms of Service.

1. Real Estate Services

Lamia Chowdhury is a registered real estate salesperson with the Real Estate Council of Ontario (RECO), operating under CENTURY 21 Innovative Realty Inc. Brokerage. All real estate services are provided in accordance with:

• The Real Estate and Business Brokers Act, 2002 (REBBA)
• RECO's Code of Ethics
• Toronto Regional Real Estate Board (TRREB) rules and regulations
• Ontario Real Estate Association (OREA) standards

2. Website Information Disclaimer

The information provided on this website is for general informational purposes only and does not constitute:

• Legal advice
• Financial or investment advice
• A guarantee of property values or market conditions
• An offer to buy or sell real estate

Property listings, prices, and market data are subject to change without notice. Always verify information independently before making any real estate decisions.

3. Property Listings and MLS Data

Property listings displayed on this website may be provided through the Toronto Regional Real Estate Board (TRREB) MLS system. This data is:

• Intended for personal, non-commercial use only
• Subject to copyright by TRREB
• Not guaranteed to be accurate or current
• Subject to prior sale or removal without notice

Reproduction or redistribution of MLS data is prohibited without express written consent.

4. Agency Relationships

In Ontario, real estate agents can represent buyers, sellers, or both parties (with informed consent). By using this website or contacting us:

• No agency relationship is created until a written agreement is signed
• You will receive a RECO Information Guide explaining agency relationships
• Multiple representation (representing both buyer and seller) requires written consent
• Customer service can be provided without creating an agency relationship

5. FINTRAC Compliance

As required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, we must verify the identity of all clients involved in real estate transactions. You agree to provide valid government-issued identification and other information as required by FINTRAC regulations.

6. Ontario Land Transfer Tax

Buyers of property in Toronto are subject to both Ontario Land Transfer Tax and Toronto Municipal Land Transfer Tax. First-time homebuyers may be eligible for rebates. Tax calculations provided on this website are estimates only and should be verified with a lawyer or tax professional.

7. Dubai Real Estate Services

Dubai real estate services are provided through Cielo Properties Dubai and are subject to Dubai Land Department (DLD) regulations and the Real Estate Regulatory Agency (RERA) guidelines. These services are separate from Ontario-regulated real estate services.

8. Intellectual Property

All content on this website, including text, images, logos, and design elements, is protected by copyright and trademark laws. You may not reproduce, distribute, or use any content without express written permission.

9. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of external sites. Links do not imply endorsement.

10. Limitation of Liability

To the maximum extent permitted by law, Lamia Chowdhury and CENTURY 21 Innovative Realty Inc. Brokerage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information provided herein.

11. Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website constitutes acceptance of any changes.

13. Contact Information

For questions about these Terms of Service, please contact:

14. Consumer Protection

As a consumer in Ontario, you have rights protected by:

• Real Estate Council of Ontario (RECO) - www.reco.on.ca
• Consumer Protection Ontario - www.ontario.ca/consumer
• Ontario Human Rights Commission - www.ohrc.on.ca

To file a complaint about a real estate professional in Ontario, contact RECO at 1-800-245-6910 or visit their website.