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TERMS & CONDITIONS

Rent To Own Ocala (operated by The Table Brokerage, a licensed Florida real estate firm)

Last Updated: May 2026 Effective Date: [INSERT DATE OF PUBLICATION]

 

1. Acceptance of Terms

 

Welcome to renttoownocala.com (the "Site"). These Terms and Conditions ("Terms") govern your use of the Site and the services described on it. By accessing or using the Site, you agree to be bound by these Terms.

 

If you do not agree to these Terms, please do not use the Site.

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2. About Us

 

Business name: Rent To Own Ocala (a brand of The Table Brokerage) Licensed Florida Real Estate Broker: Ricardo Zelaya Mailing address: 49 Banyan Course, Ocala, FL

Phone: (352) 598-8851 Email: ricardo@mytableteam.com

The Table Brokerage is a Florida-licensed real estate brokerage operating in compliance with Florida Statutes Chapter 475 and rules of the Florida Real Estate Commission (FREC).

 

3. Eligibility to Use the Site

 

You may use the Site only if:

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  • You are at least 18 years of age

  • You have the legal capacity to enter into binding agreements

  • You will use the Site for lawful purposes only

  • You will provide accurate information when submitting forms

 

If you do not meet these requirements, please do not use the Site.

 

4. Description of Services

 

The Site provides information about rent-to-own homeownership opportunities in Ocala, Marion County, and surrounding Florida communities. We facilitate connections between qualified buyers and available properties through structured lease-purchase agreements.

 

4.1 What we offer

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  • Information about available rent-to-own properties

  • Educational content about the rent-to-own process

  • A free eligibility qualifier

  • Direct contact with a licensed Florida real estate broker

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4.2 What we do NOT offer through this Site

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  • Mortgage loans or financing

  • Legal advice

  • Tax or financial planning advice

  • A binding offer to sell or lease any property

  • A guarantee of mortgage qualification at the end of any lease term

 

5. The Eligibility Form

 

Submitting our eligibility form does NOT create a binding agreement between you and Rent To Own Ocala or The Table Brokerage. Specifically:

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  • Submitting the form does not guarantee approval for our program

  • Submitting the form does not reserve any specific property

  • Submitting the form does not commit you to any future transaction

  • Approval for the program is at the discretion of The Table Brokerage and depends on income, employment, savings, intent, and other factors disclosed during review

  • A binding agreement is created only when a written lease-purchase agreement is signed by all parties

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We aim to respond to eligibility submissions within 48 business hours, but response time is not guaranteed.

 

6. Property Listings

 

All property information on the Site is subject to change without notice. Listings are provided for informational purposes only.

 

6.1 Availability

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  • Properties shown as "Available" may be removed at any time

  • We do not guarantee that any listed property will remain available until you complete an eligibility review

  • Multiple parties may apply for the same property; selection is at our discretion

 

6.2 Property details

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  • Property descriptions, photos, square footage, lot size, and amenities are approximate

  • Construction year and builder information is provided as a courtesy and should be independently verified

  • We do not guarantee the accuracy of property details; buyers are encouraged to conduct their own due diligence

 

6.3 No agency relationship

 

Browsing properties on the Site or submitting an eligibility form does not create an agency, fiduciary, or contractual relationship between you and The Table Brokerage. Such relationships are established only through a separately signed written agreement.

 

7. Pricing & Financial Disclosures

 

Any pricing examples on the Site — including option fees, monthly payments, ownership credits, and lease terms — are illustrative ranges based on typical agreements. Actual terms vary by property and buyer qualification.

 

7.1 Pricing examples are not offers

 

Example pricing shown on the Site (such as "$9,000–$17,000 option fee" or "$2,100–$3,400 monthly payment") is illustrative only. Actual pricing for any specific property is determined during the eligibility review and disclosed in writing before any agreement is signed.

 

7.2 No hidden fees

 

We commit to disclosing all fees, payment amounts, ownership credits, and terms in writing before you sign any agreement. If a fee is not disclosed in the agreement, it does not apply.

 

8. Rent To Own Program Disclaimer

 

Our rent-to-own program is structured as a lease-purchase agreement under Florida law. The following disclaimers are critical:

 

8.1 Not a mortgage

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A rent-to-own (lease-purchase) agreement is NOT a mortgage. It is a lease combined with an option to purchase the property at a later date. Participation in our program does not constitute a loan, mortgage origination, or extension of credit.

 

8.2 No guarantee of mortgage qualification

 

Participation in our rent-to-own program does NOT guarantee that you will qualify for a mortgage at the end of the lease term. Mortgage qualification is determined by third-party lenders based on their underwriting criteria, including credit score, income, debt-to-income ratio, and other factors at the time of application.

 

8.3 Option fee and credits

 

The option fee paid at signing is non-refundable. If you exercise the option to purchase at the end of the lease term, the option fee is credited toward your purchase price. If you choose not to exercise the option, the option fee is forfeited.

Monthly ownership credits accrue toward your down payment only if you exercise the option to purchase. If you choose not to purchase, accrued credits are forfeited.

 

8.4 You may choose not to purchase

 

You are not obligated to purchase the property at the end of the lease term. If you choose not to exercise the option, you may walk away with no further financial obligation beyond the forfeited option fee and credits.

 

8.5 Independent advice recommended

 

Before signing any lease-purchase agreement, we strongly recommend that you:

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  • Consult with a Florida real estate attorney

  • Review the agreement with a financial advisor

  • Verify property details independently

  • Understand all terms in writing before signing

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9. Equal Housing Opportunity

 

The Table Brokerage and Rent To Own Ocala comply fully with the Federal Fair Housing Act and Florida Fair Housing Act.

 

We do not discriminate on the basis of:

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  • Race

  • Color

  • Religion

  • National origin

  • Sex

  • Familial status

  • Disability

  • Any other protected class under federal, Florida state, or Marion County law

 

All qualified applicants are evaluated based on the same income, credit, and program criteria, applied consistently. If you believe you have experienced discrimination, contact:

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  • U.S. Department of Housing and Urban Development (HUD) — 1-800-669-9777

  • Florida Commission on Human Relations — 1-800-342-8170

 

10. No Professional Advice

 

Information on the Site is provided for general informational purposes only. It is NOT:

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  • Legal advice

  • Tax advice

  • Financial or investment advice

  • Mortgage or lending advice

  • A substitute for consultation with a qualified professional

 

You should consult appropriate licensed professionals before making decisions based on Site content.

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11. Intellectual Property

 

All content on the Site — including text, graphics, logos, photographs, and design — is owned by The Table Brokerage or licensed to us, and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

 

11.1 Limited license

 

You may view and download Site content for personal, non-commercial use only. You may not:

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  • Reproduce, distribute, or republish Site content without written permission

  • Modify or create derivative works from Site content

  • Use Site content for commercial purposes

  • Use our trademarks or branding without written permission

 

11.2 User-submitted content

 

If you submit any content to us (through forms, email, or other means), you grant us a non-exclusive, royalty-free license to use that content for the purposes of operating our services, subject to our Privacy Policy.

 

12. Acceptable Use

 

You agree NOT to:

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  • Use the Site for any unlawful purpose

  • Submit false, misleading, or fraudulent information

  • Attempt to gain unauthorized access to the Site, servers, or related systems

  • Scrape, harvest, or collect data from the Site through automated means

  • Introduce viruses, malware, or harmful code

  • Impersonate any person or entity

  • Interfere with other users' access to the Site

  • Use the Site to send spam or unsolicited communications

 

We reserve the right to terminate access to the Site for any user who violates these provisions.

 

13. Third-Party Content and Links

 

The Site may include links to third-party websites, including lenders, attorneys, partner services, or informational resources. We are not responsible for the content, accuracy, privacy practices, or business practices of third-party sites.

Links are provided for convenience only and do not constitute endorsement.

 

14. Disclaimers

 

14.1 "As Is" basis

 

THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

 

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

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  • Warranties of merchantability

  • Warranties of fitness for a particular purpose

  • Warranties of accuracy or completeness

  • Warranties of non-infringement

  • Warranties that the Site will be uninterrupted, secure, or error-free

 

14.2 No guarantee of outcomes

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We make no guarantee that:

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  • You will qualify for our rent-to-own program

  • Any specific property will remain available

  • You will qualify for a mortgage at the end of the lease term

  • Your credit will improve during the lease term

  • The Ocala real estate market will perform in any particular way

 

14.3 Testimonials

 

Testimonials displayed on the Site reflect individual experiences and are not a guarantee of similar outcomes for other users.

 

15. Limitation of Liability

 

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TABLE BROKERAGE, RENT TO OWN OCALA, AND THEIR OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

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  • Any indirect, incidental, special, consequential, or punitive damages

  • Any loss of profits, revenue, data, or business opportunities

  • Any damages exceeding $100 or the amount you paid us in the past 12 months, whichever is greater

 

This limitation applies whether the claim is based on contract, tort, statute, or any other legal theory, and even if we have been advised of the possibility of such damages.

 

Some jurisdictions do not allow limitation of liability for certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

 

16. Indemnification

 

You agree to indemnify, defend, and hold harmless The Table Brokerage, Rent To Own Ocala, and their officers, employees, agents, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

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  • Your use of the Site

  • Your violation of these Terms

  • Your violation of any law or third-party right

  • Any false or misleading information you submit

 

17. Termination

 

We reserve the right to suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms.

 

18. Governing Law

 

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Marion County, Florida, and you consent to personal jurisdiction in those courts.

 

19. Dispute Resolution

 

19.1 Informal resolution

 

Before filing any legal claim, you agree to contact us at ricardo@mytableteam.com to attempt to resolve the dispute informally. We will work in good faith to address concerns within 30 days.

 

19.2 Severability

 

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

 

19.3 Waiver

 

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce that provision later.

 

20. Changes to These Terms

 

We may update these Terms from time to time. When we do, we will:

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  • Update the "Last Updated" date at the top of this page

  • Post the updated Terms on the Site

  • Notify users by email if changes are material (and we have your email)

 

Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

 

21. Entire Agreement

 

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of the Site. They supersede any prior agreements or understandings.

 

Any rent-to-own program participation is governed by a separately signed lease-purchase agreement, the terms of which control in any conflict with these Terms.

 

22. Contact Us

For questions about these Terms:

Ricardo Zelaya — Licensed Florida Real Estate Broker Rent To Own Ocala / The Table Brokerage 49 Banyan Course, Ocala, FL Phone: (352) 598-8851 Email: ricardo@mytableteam.com

 

These Terms & Conditions are provided for informational purposes and reflect our practices as of the Last Updated date. This document should be reviewed by a qualified Florida real estate attorney before publication to ensure full compliance with applicable federal, state, and industry regulations, including Florida Statutes Chapter 475 and FREC rules.

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