Effective Date: July 22, 2026

Welcome to the D.S. Murphy & Associates, LLC ("D.S. Murphy," "we," "our," or "us") website. By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree to these terms, please do not use this website.

Use of This Website

The content on this website is provided for informational purposes only. You may use this website to learn about our appraisal services, continuing education offerings, and related resources.

You agree not to:

• Use this website for any unlawful purpose.

• Attempt to gain unauthorized access to our systems or networks.

• Interfere with the operation or security of the website.

• Copy, reproduce, distribute, or modify website content without prior written permission.

No Professional Advice

Information provided on this website is for general informational purposes only and should not be considered appraisal, legal, financial, tax, or real estate advice.

Accessing or using this website does not create an appraiser-client relationship.

Appraisal Services

Appraisal services are provided only after an engagement has been accepted by D.S. Murphy and are governed by a separate engagement agreement or order.

Submission of a contact form or appraisal inquiry does not guarantee acceptance of an assignment.

Continuing Education

Registration for continuing education courses is subject to availability and applicable licensing requirements.

D.S. Murphy reserves the right to:

• Modify course schedules

• Substitute instructors when necessary

• Cancel or reschedule classes due to insufficient enrollment, weather, instructor availability, or other unforeseen circumstances

Refunds, transfers, and cancellations are governed by the policies applicable to each specific course or event.

Payments

Payments made through this website or third-party payment processors are subject to the terms of those providers.

D.S. Murphy does not store complete payment card information on its website.

Intellectual Property

All website content, including but not limited to:

• Logos

• Trademarks

• Graphics

• Photographs

• Videos

• Text

• Course materials

• Educational resources

are the property of D.S. Murphy & Associates, LLC or are used with permission and are protected under applicable copyright and trademark laws.

No content may be reproduced without prior written consent.

Third-Party Links

Our website may contain links to third-party websites for your convenience.

D.S. Murphy is not responsible for the content, security, privacy practices, or accuracy of information provided by third-party websites.

Communications

By submitting a contact form or requesting information, you consent to receiving communications related to your inquiry.

If you separately opt in to receive SMS communications, those messages are governed by our SMS Terms & Conditions.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis.

D.S. Murphy makes no warranties, express or implied, regarding:

• Website availability

• Accuracy of information

• Completeness of content

• Freedom from viruses or other harmful components

We reserve the right to modify or remove website content at any time without notice.

Limitation of Liability

To the fullest extent permitted by law, D.S. Murphy & Associates, LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use of this website

• Inability to access the website

• Reliance on website information

• Technical errors or interruptions

Indemnification

You agree to indemnify and hold harmless D.S. Murphy & Associates, LLC, its employees, officers, instructors, contractors, and affiliates from any claims, damages, liabilities, or expenses resulting from your misuse of this website or violation of these Terms & Conditions.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

Governing Law

These Terms & Conditions are governed by the laws of the State of Georgia without regard to conflict of law principles.

Any disputes arising from these Terms shall be resolved in the appropriate state or federal courts located within the State of Georgia.

Changes to These Terms

D.S. Murphy reserves the right to modify these Terms & Conditions at any time.

Changes become effective immediately upon posting to this website. Continued use of the website constitutes acceptance of the updated Terms.