1. Acceptance of Terms & Scope

Welcome to UrbanScope, the official real estate catalog, consultation scheduling, and property inquiry portal representing Miriam Lobren, an accredited real estate professional serving Las Piñas City, Cavite, and neighboring provinces.

By registering a client account, booking site viewings, or submitting inquiries through this platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service and our Data Privacy Policy.

2. Real Estate Representation & Regulatory Compliance

All real estate advisory, property showcasing, brokerage facilitation, and buyer assistance conducted through UrbanScope are performed in accordance with the Real Estate Service Act of the Philippines (Republic Act No. 9646 or RESA) and regulations set forth by the Professional Regulation Commission (PRC) and the Department of Human Settlements and Urban Development (DHSUD).

3. Property Listings, Pricing & Computations

• Pricing Disclaimer: Property prices, available discounts, and promotional payment terms shown in Philippine Pesos (₱) are based on the latest developer price lists and are subject to change without prior notice by the developer.
• Sample Computations: Estimated monthly amortization, down payment schedules, and bank or Pag-IBIG Fund loan amounts are sample calculations only and do not constitute a formal financing contract.
• No Binding Contract of Sale: Information on this website serves as an invitation to inquire. A binding purchase of real estate is finalized solely through official developer Reservation Agreements, Contract to Sell (CTS), and Deed of Absolute Sale (DOAS).

4. Free Site Viewing (Tripping) & Consultations

• Appointments should be booked at least 24 to 48 hours in advance to coordinate subdivision gate passes and model unit clearance.
• Site viewing schedules remain subject to weather conditions, developer model unit visiting hours, and subdivision safety guidelines.
• Miriam Lobren Real Estate does not charge prospective buyers any fees for scheduling site viewings or consulting on Pag-IBIG and bank loan pre-qualifications.

5. Client Accounts & User Responsibilities

When creating your UrbanScope client account, you agree to:

• Provide true, accurate, and current information, including a valid Philippine mobile number (+63 / 09) and active email address.
• Maintain the confidentiality of your account password and accept responsibility for activities conducted under your credentials.
• Refrain from submitting fraudulent, automated, spam, or misleading property inquiries.

6. Reservations, Down Payments & Financing

• Direct Developer Payments: All unit reservation fees are paid directly to the accredited developer's authorized bank accounts or cashier desks. UrbanScope does not collect personal cash payments for reservations.
• Non-Refundability: Developer reservation fees are generally non-refundable and non-transferable pursuant to developer policy.
• Loan Approvals: Final housing loan approval rests under the sole credit evaluation of Pag-IBIG Fund or the partner commercial bank.

7. Intellectual Property, Liability & Governing Law

All platform designs, branding, architectural renders, and written descriptions on UrbanScope are protected under Philippine intellectual property laws. UrbanScope shall not be liable for developer construction schedule changes, lender credit decisions, or temporary maintenance interruptions.

These Terms are governed by the laws of the Republic of the Philippines, with exclusive venue jurisdiction in the competent courts of Las Piñas City or Cavite.

8. Commitment to Data Privacy (RA No. 10173)

UrbanScope safeguards your personal data in strict compliance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations (IRR), and issuances of the National Privacy Commission (NPC).

9. Information We Collect & Purpose of Processing

• Identity & Contact Data: Full name, email address, Philippine mobile number, and cryptographically hashed password (PBKDF2) to create and secure your client account.
• Inquiry & Consultation Details: Selected property listings, preferred viewing dates, financing preferences, and messages so Miriam Lobren can coordinate site tours and prepare accurate sample computations.

10. Strict No-Sale Policy, Security & Your Rights

• We Never Sell Your Data: Your contact details are never sold, rented, or traded to third-party telemarketers or advertisers. Data is shared only with accredited property developers or partner banks/Pag-IBIG Fund upon your explicit authorization.
• Security & Retention: Passwords are protected with salted PBKDF2 hashing, role-based access control (RBAC), and encrypted transport. General inquiries are retained for up to 24 months unless earlier erasure is requested.
• Data Subject Rights: Under RA 10173, you hold the right to be informed, access, rectify, object, or request erasure of your personal data by contacting miriamalobren@gmail.com or +63 918 964 5434.