1. Acceptance of Terms
Welcome to the Beyond The Market Magazine website ("the Site"), powered by the Niagara Association of REALTORS® (NAR) and published by Ownera Media. By accessing and using this Site, you accept and agree to be bound by these Terms and Conditions. The right to modify these terms is reserved, with changes effective immediately upon posting. Your continued use constitutes acceptance of any revisions.

2. Intellectual Property
All content on this Site, including but not limited to articles, photography, graphics, and the "Beyond The Market" trademark, is the property of Ownera, NAR, or their respective licensors and is protected by copyright and intellectual property laws. You may not download, reproduce, or distribute any material without prior written authorization from the respective rights holder.

3. No Professional Advice
The content on this Site is for general informational and lifestyle purposes only. It is not intended to constitute legal, financial, or real estate advice. For professional advice tailored to your situation, you should consult with a qualified expert.

4. User Conduct
You agree to use the Site lawfully and not to post or transmit any harmful, defamatory, or infringing content. Access may be restricted for users who violate these terms.

5. Limitation of Liability
To the fullest extent permitted by law, Ownera, NAR, its directors, and members shall not be held liable for any damages arising from your use of the Site or reliance on its content. All information is provided on an "as is" basis without warranty of any kind.

6. External Links
The Site may contain links to third-party websites. These are provided for convenience only, and neither Ownera nor NAR endorses or assumes responsibility for the content of any linked site.

7. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.