LEGAL DISCLOSURES AND IMPORTANT NOTICES

Baradit Professional Association

Effective Date: October 31, 2025

GENERAL DISCLAIMER

The information provided on this website and through Baradit Professional Association's services is for general informational purposes only. While we strive to provide accurate and current information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website for any purpose.

NOT LEGAL ADVICE

IMPORTANT: Lissette E Baradit is a Florida Licensed Real Estate Broker, NOT an attorney, and does not provide legal advice. Nothing on this website, in any correspondence, or in any consultation should be construed as legal advice or the formation of an attorney‑client relationship.

Real estate transactions, foreclosure proceedings, credit repair matters, and related issues often involve complex legal considerations. We strongly recommend that you consult with a qualified attorney licensed in your jurisdiction before making any legal decisions or taking any legal action.

Our services are limited to:

Real estate brokerage services
Property marketing and sales representation
Lender negotiation assistance (as a real estate professional, not as legal counsel)
Connecting clients with appropriate legal and financial professionals when necessary
Providing general information about real estate processes and options

We do not and cannot:

Provide legal advice or legal representation
Interpret contracts, deeds, or legal documents
Advise on the legal implications of any decision
Represent you in court or legal proceedings
Draft legal documents (other than standard real estate contracts within the scope of real estate brokerage)

REAL ESTATE BROKERAGE DISCLOSURE

Licensing Information

Lissette E. Baradit is a Florida Licensed Real Estate Broker operating through Baradit Professional Association, a Florida corporation incorporated in April 2021.

Florida Real Estate License Number: BK3227817

Brokerage Name: Baradit Professional Association

Principal Business Address: 334 East Lake Rd #156 Palm Harbor FL 34685

Agency Relationships

Florida law requires real estate licensees to disclose their agency relationship with parties in a real estate transaction. We will provide you with written disclosure of our agency relationship before or at the time you enter into a listing agreement or offer to purchase property.

Transaction Broker Relationship

Unless otherwise agreed in writing, Baradit Professional Association will act as a Transaction Broker, providing limited representation to both buyers and sellers in real estate transactions. As a Transaction Broker, we facilitate the transaction without representing either party's interests exclusively.

PROFESSIONAL STANDARDS AND ETHICS

Baradit Professional Association is committed to:

Compliance with Florida Real Estate laws and regulations
Adherence to the National Association of REALTORS® Code of Ethics
Fair dealing with all parties
Honest and accurate representation of properties and facts
Protection of client confidentiality (subject to legal obligations)
Continuing education and professional development

Fair Housing Compliance

Baradit Professional Association is committed to full compliance with the Fair Housing Act and all applicable fair housing laws. We provide equal professional service without regard to race, color, religion, sex, handicap, familial status, national origin, sexual orientation, gender identity, or any other protected class under federal, state, or local law.

COMMISSION STRUCTURE DISCLOSURE

3% Total Commission Program

Our advertised 3% total commission structure is subject to the following terms and conditions:

1. Commission Payment Structure:

The seller pays Baradit Professional Association a total commission of 3% of the final sale price
If a buyer is represented by a licensed real estate agent, Baradit Professional Association may pay the buyer's agent a portion of this 3% commission when reasonably feasible
The seller is NOT obligated to pay any additional commission or fee to the buyer's agent beyond the 3% total commission paid to Baradit Professional Association
Commission split with buyer agents are at the sole discretion of Baradit Professional Association and will be determined based on market conditions, transaction complexity, and other relevant factors

2. "Reasonably Feasible" Definition:

The determination of whether it is "reasonably feasible" to compensate a buyer's agent from our 3% commission will be made by Baradit Professional Association based on factors including but not limited to:

Market conditions and customary commission rates
The complexity of the transaction
Services provided by the buyer's agent
Length of time on market
Negotiated sale price relative to list price
Other relevant transaction‑specific circumstances

3. No Guarantee of Buyer Agent Compensation:

While we strive to accommodate buyer's agents within our 3% commission structure, we cannot guarantee that all buyer's agents will accept the compensation offered. Some buyer's agents may require their clients (buyers) to supplement the commission paid by Baradit Professional Association.

4. Listing Agreement Required:

All commission terms must be clearly outlined in a written listing agreement signed by both the seller and Baradit Professional Association. The listing agreement will specify:

Total commission percentage
Commission payment terms
Duration of listing
Marketing plan
Seller's obligations
Broker's obligations
Cancellation terms

5. Additional Costs:

The 3% commission covers brokerage services only. Sellers remain responsible for:

Repairs only when negotiated and agreed upon in the purchase contract and signed by seller and buyer.
Title insurance and closing costs when negotiated and agreed upon in the purchase contract and signed by seller and buyer.
HOA transfer fees when negotiated and agreed upon in the purchase contract and signed by seller and buyer.
Any other costs when negotiated and agreed upon in the purchase contract and signed by seller and buyer.

LISTING AGREEMENT TERMS

Flexible Duration

We offer listing agreements with minimum terms of 30 days and maximum terms as mutually agreed upon in writing. Unlike many traditional brokerages, we believe in earning your business through performance, not through restrictive long‑term contracts.

Cancellation Policy

Our listing agreements may be cancelled by either party under the following conditions:

No‑Fault Cancellation:

Either party may request cancellation at any time
Written notice of cancellation must be provided
No cancellation fees will be charged
No lawsuit threats or intimidation tactics
Professional, courteous handling of all cancellation requests

Post‑Cancellation Obligations:

If a buyer who was introduced to the property by Baradit Professional Association during the listing period subsequently purchases the property, the seller will NOT remain obligated to pay the commission as outlined in the original listing agreement unless otherwise agreed upon in writing by the seller and Baradit Professional Association.
This protection period will be clearly specified in the listing agreement

Exception – Accepted Offers: If an offer has been accepted and a contract is pending at the time of cancellation request, the commission remains due and payable at closing unless otherwise mutually agreed in writing.

FORECLOSURE INTERVENTION SERVICES DISCLOSURE

Nature of Services

Through our sister website, ForeclosureUrgentCare.com (operated as BPA Urgent Foreclosure Solutions), we provide foreclosure intervention and consultation services. These services are designed to help property owners explore options when facing foreclosure or financial hardship.

Services May Include:

Initial consultation and situation assessment
Communication and negotiation with lenders (as a real estate professional)
Explanation of available options (loan modification, short sale, deed in lieu, etc.)
Referrals to qualified attorneys, credit counselors, and financial advisors
Property listing and marketing services if the owner chooses to sell
Timeline guidance and process explanation

Critical Limitations and Disclaimers

1. Not Legal or Financial Advice:

We are NOT attorneys, financial advisors, or credit counselors. We cannot and do not provide:

Legal advice regarding foreclosure proceedings
Credit counseling or credit repair advice (though we can refer you to qualified professionals)
Financial planning advice
Tax advice
Bankruptcy advice

2. No Guaranteed Outcomes:

We cannot and do not guarantee:

That we can stop or prevent foreclosure
That your lender will agree to any particular solution
That you will be able to keep your property
Any specific financial outcome
Any particular timeline for resolution

3. Time‑Sensitive Nature:

Foreclosure proceedings move quickly and are governed by strict legal deadlines. The earlier you seek help, the more options you may have available. Waiting until the last minute may severely limit available options.

4. Lender Communication:

While we can assist with communicating with your lender as a real estate professional, we are NOT acting as your legal representative. We cannot:

Represent you in court
Negotiate legal modifications to your mortgage (we can facilitate communication, but legal modifications require attorney involvement)
Challenge the validity of the debt
File legal motions or responses

5. Credit Impact:

Many foreclosure alternatives (short sales, deed in lieu of foreclosure, loan modifications) may still negatively impact your credit. We recommend consulting with a qualified credit counselor to understand the credit implications of any decision.

NO UPFRONT FEES POLICY

Foreclosure Services

For foreclosure intervention services, Baradit Professional Association and BPA Urgent Foreclosure Solutions operate on a NO UPFRONT FEES basis:

You will NOT be charged any fees for initial consultation
You will NOT be charged any fees for our assistance in communicating with your lender
You will NOT be charged any fees for exploring your options
You will NOT be charged any fees for referrals to attorneys or other professionals

If You Choose to Sell:

If you decide that selling your property is the best option and you list with Baradit Professional Association, standard real estate commission will apply as outlined in the listing agreement. Commission is paid ONLY at closing from the proceeds of the sale.

If You Choose Not to Sell:

If you decide not to sell your property, you owe us nothing. There are no fees for consultation or lender communication assistance.

Traditional Real Estate Services

For traditional real estate listing services (non‑foreclosure situations), our commission structure applies as outlined in the Commission Structure Disclosure section above. No upfront fees are charged; commission is paid at closing.

CREDIT REPAIR SERVICES DISCLOSURE

Scope of Credit Services

Baradit Professional Association provides limited credit repair services in connection with real estate transactions. Our services are designed to help clients improve their credit profiles to facilitate property purchases or to recover after foreclosure.

NOT Credit Counselors

We are NOT licensed credit counselors. Our credit repair services are supplementary to our real estate services and are limited in scope. For comprehensive credit counseling, we recommend working with a HUD‑approved credit counseling agency.

Credit Repair Organizations Act Compliance

To the extent our services fall under the Credit Repair Organizations Act (CROA), we comply with all requirements including:

Required Disclosures:

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly
You may obtain a free copy of your credit report annually from each of the three major credit bureaus at www.annualcreditreport.com
You have the right to dispute inaccurate information with credit bureaus yourself, free of charge
Credit repair companies cannot require advance payment
Credit repair companies cannot make false claims about their services
You have the right to cancel any contract for credit repair services within three business days

What We Can and Cannot Do:

We CAN help you review your credit report for inaccuracies
We CAN provide guidance on credit‑building strategies
We CAN refer you to qualified credit counselors and attorneys
We CANNOT guarantee any specific credit score increase
We CANNOT remove accurate negative information from your credit report
We CANNOT guarantee that any particular action will improve your credit

WEBSITE AND ONLINE COMMUNICATIONS DISCLAIMER

Information Accuracy

While we strive to ensure all information on our website is accurate and up‑to‑date, real estate markets, laws, and regulations change frequently. Information provided on this website may become outdated. We make no warranty regarding the accuracy, completeness, or timeliness of information on this website.

Not a Substitute for Professional Advice

Information on this website is general in nature and should not be relied upon as a substitute for professional advice tailored to your specific situation. Always consult with qualified professionals (attorneys, accountants, financial advisors) before making important decisions.

Third‑Party Links

Our website may contain links to third‑party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third‑party websites. Access to third‑party websites is at your own risk.

Email and Electronic Communications

Email is not a secure form of communication. Sensitive information (social security numbers, bank account information, etc.) should not be transmitted via unsecured email. By communicating with us via email, you acknowledge and accept the security risks involved.

No Guarantee of Privacy

While we take reasonable measures to protect your information, we cannot guarantee the absolute security of information transmitted over the internet. See our Privacy Policy for more information about how we collect, use, and protect your information.

TESTIMONIALS AND REVIEWS DISCLAIMER

Authentic Experiences

All testimonials and client reviews displayed on our website and marketing materials represent authentic experiences of actual clients. However:

Past results are not a guarantee of future results
Each real estate transaction is unique
Your experience may differ based on your specific circumstances
Market conditions vary and impact outcomes
Client testimonials have not been independently verified by third parties

Edited for Clarity

None of the testimonials have been edited and remain unchanged.

LIMITATION OF LIABILITY

To the fullest extent permitted by law:

1. No Liability for Indirect Damages:

Baradit Professional Association, its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services or reliance on information provided by us.

2. No Liability for Third‑Party Actions:

We are not liable for the actions, omissions, or advice of third parties, including but not limited to:

Lenders
Title companies
Home inspectors
Appraisers
Attorneys
Other real estate professionals
Buyers or sellers in your transaction

3. No Liability for Market Conditions:

We are not liable for changes in market conditions, property values, interest rates, or economic factors beyond our control that may affect your real estate transaction or investment.

4. Maximum Liability Cap:

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount of commission actually received by Baradit Professional Association from your transaction.

PROFESSIONAL STANDARDS AND ETHICS

Baradit Professional Association is committed to:

Compliance with Florida Real Estate laws and regulations
Adherence to the National Association of REALTORS® Code of Ethics
Fair dealing with all parties
Honest and accurate representation of properties and facts
Protection of client confidentiality (subject to legal obligations)
Continuing development and professional growth

DISPUTE RESOLUTION

Mediation

In the event of any dispute arising from our services, we encourage parties to first attempt to resolve the matter through good-faith negotiation. If negotiation is unsuccessful, we agree to participate in mediation before pursuing litigation.

Governing Law

Any disputes shall be governed by the laws of the State of Florida, without regard to conflict of law provisions.

No Class Actions

To the extent permitted by law, any disputes must be brought on an individual basis only and not as part of any class or representative action.

MARKETING AND ADVERTISING DISCLOSURE

Property Marketing

When you list your property with Baradit Professional Association:

We will market your property using various channels as outlined in the listing agreement
Marketing materials will be prepared professionally and accurately
Photos and descriptions will represent the property honestly
We may use property photos and information for marketing our services
Property information may be shared with multiple listing services, real estate websites, and cooperating brokers

No Guarantee of Sale

We cannot guarantee that your property will sell, or that it will sell within a specific timeframe or for a specific price. Market conditions, property condition, pricing, and other factors beyond our control affect salability.

COMPLIANCE WITH LAWS AND REGULATIONS

Baradit Professional Association commits to compliance with all applicable laws and regulations, including but not limited to:

Florida Real Estate License Law (Chapter 475, Florida Statutes)
Fair Housing Act and Florida Fair Housing Act
Americans with Disabilities Act
Real Estate Settlement Procedures Act (RESPA)
Truth in Lending Act
Florida Deceptive and Unfair Trade Practices Act
Telephone Consumer Protection Act
CAN-SPAM Act
General Data Protection Regulation (GDPR) for applicable international clients
Credit Repair Organizations Act (for applicable services)

CONTACT INFORMATION

For questions about these disclosures or our services:

Baradit Professional Association

Lissette E. Baradit, Florida Licensed Real Estate Broker

Email: admin@baraditre.com

Phone: (727)371-6774

Website: www.baraditre.com

Website: www.foreclosureurgentcare.com

SEVERABILITY

If any provision of this Copyright Notice is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

GOVERNING LAW

This Copyright Notice and any disputes arising from it shall be governed by the copyright laws of the United States and the State of Florida, without regard to conflict of law principles.

ACKNOWLEDGMENT

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by this Copyright Notice.

Last Updated: October 31, 2025

Document Version: 1.0

This Copyright Notice is provided to protect the intellectual property rights of Baradit Professional Association and to inform users of their rights and obligations regarding Content on this website. Unauthorized use of copyrighted materials may result in civil and criminal penalties.

Unauthorized use or duplication is strictly prohibited and will be prosecuted to the fullest extent permitted by law.