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CSG Compass - Terms of Use & Disclaimer

Last Updated: February 24, 2026

Introduction

Welcome to CSG Compass. These Terms of Use (“Terms”) govern your use of the CSG Compass mobile application and web-based tools (the “App”), owned and operated by CSG Real Estate Advisors (“Company,” “we,” “us,” or “our”). By accessing or using the App, you agree to be bound by these Terms.

1. Purpose of Service

CSG Compass is a decision-preparation and clarity engine designed to provide general real estate insights and financial estimates. The App is intended to help users explore scenarios related to buying, selling, and renting real estate.

2. Not Professional Advice

The App is a decision-preparation and clarity engine designed for educational and informational purposes only. The diagnostic tools, including but not limited to the Buy vs. Rent Analyzer, Affordability Reality Check, and Sell vs. Stay Calculator, provide estimates based on user-provided data and general market assumptions. These results do not constitute financial, investment, legal, tax, or real estate advice. You should consult with qualified professionals before making any financial or real estate decisions.

The information, calculations, and results provided by CSG Compass are for informational purposes only.

  • Not Financial or Legal Advice: The App does not provide financial, investment, legal, or tax advice.
  • Estimates Only: All results generated by the App’s calculators (e.g., Buy vs. Rent, Affordability, Sell vs. Stay) are estimates based on user-provided data and market assumptions. Actual figures may vary based on market fluctuations, credit scores, and third-party fees.
  • No Appraisal: The App does not provide official property appraisals.

3. No Guarantee of Accuracy

While we strive to provide helpful insights, CSG Real Estate Advisors does not warrant the accuracy, completeness, or reliability of any data, calculations, or roadmaps generated by the App. Real estate market conditions are dynamic and subject to change.

4. Licensing Disclosure

Jon Bibbs is a licensed real estate salesperson in the Commonwealth of Virginia. CSG Real Estate Advisors is a licensed real estate firm in Virginia.

  • Virginia Users: For users located in Virginia, the App serves as a gateway to professional advisory and brokerage services provided directly by CSG Real Estate Advisors.
  • National Users: For users located outside of Virginia, the App acts as a referral platform. We do not provide direct real estate brokerage services outside the Commonwealth of Virginia.

5. Referral Services & RESPA Compliance

For users located outside the Commonwealth of Virginia, the App serves as a referral engine to connect users with third-party real estate professionals. You are hereby notified that CSG Real Estate Advisors may receive a referral fee from these third-party professionals if you enter into a real estate transaction with them. You are under no obligation to use the professionals we suggest.

  • Referral Fees: In accordance with the Real Estate Settlement Procedures Act (RESPA), please be advised that CSG Real Estate Advisors may receive a referral fee from the third-party broker or agent should you enter into a transaction with them.
  • No Endorsement: While we endeavor to connect users with high-quality professionals, we do not guarantee the performance or results of any third-party agent or broker.

6. Relationship Disclosure

Use of the App does not establish an agent-client relationship or a fiduciary duty between you and CSG Real Estate Advisors or Jon Bibbs. Such a relationship is only formed upon the execution of a formal, written representation agreement.

7. Not a Lender

CSG Real Estate Advisors is not a mortgage lender, loan originator, or credit provider. The App does not offer or guarantee any loan terms, interest rates, or mortgage approvals. Users should consult with a qualified mortgage professional for actual loan qualification.

8. User Responsibilities

You are responsible for the accuracy of any data you input into the App. You agree to use the App only for lawful, personal purposes. You may not use the App for commercial data mining or to replicate the App’s proprietary logic.

9. Limitation of Liability

To the maximum extent permitted by law, CSG Real Estate Advisors, its directors, and employees shall not be liable for any direct, indirect, or consequential damages resulting from your reliance on the information provided by the App or your use of the referral services. All real estate decisions involve risk, and you are encouraged to consult with professional advisors before making any financial commitments.

10. Privacy

Your use of the App is also governed by our Privacy Policy, which describes how we collect, use, and share your personal information and location data to provide personalized insights and referral services.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles.

12. Contact Information

For questions regarding these Terms or the services provided by CSG Real Estate Advisors, please contact:

CSG Real Estate Advisors
www.csgrva.com

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