const { Header } = window.AcornTitleDesignSystem_b6a569;
const { LegalHero, PolicySection, PolicyList, ContactPanel, LegalPageNav, TOCNav, MobileTOC, SafetyCallout } = window;

function SiteFooter() {
  return (
    <footer style={{ background: 'var(--surface-section)', padding: '64px 24px 40px' }}>
      <div style={{ maxWidth: 1160, margin: '0 auto' }}>
        <div style={{ display: 'flex', flexWrap: 'wrap', gap: 48, marginBottom: 48 }}>
          <div style={{ flex: '1 1 220px' }}>
            <img src="assets/logo.svg" alt="Acorn Title" style={{ height: 40, marginBottom: 12 }} />
            <p style={{ fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-muted)', maxWidth: 260, margin: 0 }}>A trusted guide through title and escrow clear, calm, and always a step ahead.</p>
          </div>
          <div style={{ minWidth: 160 }}>
            <div style={{ fontFamily: 'var(--font-body)', fontWeight: 600, fontSize: 14, color: 'var(--text-heading)', marginBottom: 14 }}>Company</div>
            <a href="Acorn Homepage.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Home</a>
            <a href="For Professionals.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>For Professionals</a>
            <a href="https://app.acorn-title.com" target="_blank" rel="noopener" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Acorn App</a>
            <a href="Contact.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Contact</a>
          </div>
          <div style={{ minWidth: 160 }}>
            <div style={{ fontFamily: 'var(--font-body)', fontWeight: 600, fontSize: 14, color: 'var(--text-heading)', marginBottom: 14 }}>Clients</div>
            <a href="Buying.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Buying</a>
            <a href="Selling.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Selling</a>
            <a href="Order Title.html" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 10 }}>Order Title</a>
          </div>
          <div style={{ minWidth: 200 }}>
            <div style={{ fontFamily: 'var(--font-body)', fontWeight: 600, fontSize: 14, color: 'var(--text-heading)', marginBottom: 14 }}>Visit Us</div>
            <p style={{ fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', margin: '0 0 10px', lineHeight: 1.5 }}>1100 NW Loop 410<br />Castle Hills, TX 78213</p>
            <a href="tel:+12104653033" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none', marginBottom: 6 }}>(210) 465-3033</a>
            <a href="mailto:info@acorn-title.com" style={{ display: 'block', fontFamily: 'var(--font-body)', fontSize: 14, color: 'var(--text-body)', textDecoration: 'none' }}>info@acorn-title.com</a>
          </div>
        </div>
        <div style={{ borderTop: '1px solid var(--warm-300)', paddingTop: 24, display: 'flex', flexWrap: 'wrap', gap: '10px 20px', justifyContent: 'space-between', alignItems: 'center' }}>
          <div style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)' }}>© 2026 Acorn Title. Licensed Texas title insurance agent.</div>
          <div style={{ display: 'flex', flexWrap: 'wrap', gap: '6px 18px' }}>
            <a href="Privacy Policy.html" style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none' }}>Privacy Policy</a>
            <a href="Terms of Use.html" style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none' }}>Terms of Use</a>
            <a href="Cookie Policy.html" style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none' }}>Cookie Policy</a>
            <a href="Accessibility.html" style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none' }}>Accessibility</a>
            <a href="Website Disclaimer.html" style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none' }}>Website Disclaimer</a>
            <button onClick={() => window.AcornConsent && window.AcornConsent.open()} style={{ fontFamily: 'var(--font-body)', fontSize: 13, color: 'var(--text-muted)', textDecoration: 'none', background: 'none', border: 'none', padding: 0, cursor: 'pointer' }}>Cookie Settings</button>
          </div>
        </div>
      </div>
    </footer>
  );
}

const logoSizeOverride = <style>{'@media(min-width:760px){header img[alt="Acorn Title"]{height:79px!important;width:196px!important}}html{scroll-behavior:smooth}.legal-toc-desktop{display:none}@media(min-width:900px){.legal-toc-desktop{display:block}.legal-toc-mobile{display:none!important}}@media(max-width:899px){.legal-layout{grid-template-columns:1fr!important}}'}</style>;

const headerLinks = () => [
  { label: 'Home', href: 'Acorn Homepage.html' },
  { label: 'Buying', href: 'Buying.html' },
  { label: 'Selling', href: 'Selling.html' },
  { label: 'For Professionals', href: 'For Professionals.html' },
  { label: 'About', href: 'About.html' },
  { label: 'Contact', href: 'Contact.html' },
];

function AppQuickLink() {
  React.useEffect(() => {
    const header = document.querySelector('header');
    if (!header) return;
    const rightGroup = header.querySelector(':scope > div > div:last-child');
    if (!rightGroup || rightGroup.querySelector('.app-quick-link')) return;
    const a = document.createElement('a');
    a.href = 'https://app.acorn-title.com';
    a.target = '_blank';
    a.rel = 'noopener';
    a.className = 'app-quick-link';
    a.setAttribute('aria-label', 'Open the Acorn App');
    a.style.cssText = 'display:flex;align-items:center;justify-content:center;width:42px;height:42px;flex-shrink:0;color:inherit';
    a.innerHTML = '<svg width="26" height="26" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.6" stroke-linecap="round" stroke-linejoin="round"><rect x="6.5" y="2" width="11" height="20" rx="3"></rect><rect x="10.3" y="3.4" width="3.4" height="1" rx="0.5" fill="currentColor" stroke="none"></rect></svg>';
    rightGroup.insertBefore(a, rightGroup.firstChild);
    return () => a.remove();
  }, []);
  return null;
}

function LogoHomeLink() {
  React.useEffect(() => {
    const header = document.querySelector('header');
    if (!header) return;
    const img = header.querySelector('img[alt="Acorn Title"]');
    if (!img || img.closest('a')) return;
    const a = document.createElement('a');
    a.href = 'Acorn Homepage.html';
    a.setAttribute('aria-label', 'Acorn Title home');
    a.style.cssText = 'display:flex;align-items:center';
    img.parentNode.insertBefore(a, img);
    a.appendChild(img);
    return () => {
      if (a.parentNode) { a.parentNode.insertBefore(img, a); a.remove(); }
    };
  }, []);
  return null;
}

const sections = [
  { id: 'general-information', title: 'General Information' },
  { id: 'no-professional-advice', title: 'No Professional Advice' },
  { id: 'title-and-escrow-information', title: 'Title and Escrow Information' },
  { id: 'estimates-and-calculators', title: 'Estimates and Calculators' },
  { id: 'online-forms-and-title-orders', title: 'Online Forms and Title Orders' },
  { id: 'transaction-documents-control', title: 'Transaction Documents Control' },
  { id: 'wire-fraud-and-funds-transfer', title: 'Wire Fraud and Funds Transfer' },
  { id: 'property-and-public-information', title: 'Property and Public Information' },
  { id: 'third-party-services', title: 'Third-Party Services' },
  { id: 'website-availability-and-accuracy', title: 'Website Availability and Accuracy' },
  { id: 'no-warranties', title: 'No Warranties' },
  { id: 'limitation-of-responsibility', title: 'Limitation of Responsibility' },
  { id: 'changes-to-this-disclaimer', title: 'Changes to This Disclaimer' },
  { id: 'contact-us', title: 'Contact Us' },
];

function WebsiteDisclaimerPage() {
  const [activeId, setActiveId] = React.useState(sections[0].id);
  React.useEffect(() => {
    const els = sections.map((s) => document.getElementById(s.id)).filter(Boolean);
    let ticking = false;
    const update = () => {
      ticking = false;
      const offset = 110;
      let current = els[0];
      for (const el of els) {
        if (el.getBoundingClientRect().top <= offset + 4) current = el;
        else break;
      }
      if (current) setActiveId(current.id);
    };
    const onScroll = () => { if (!ticking) { ticking = true; requestAnimationFrame(update); } };
    update();
    window.addEventListener('scroll', onScroll, { passive: true });
    window.addEventListener('resize', onScroll);
    return () => { window.removeEventListener('scroll', onScroll); window.removeEventListener('resize', onScroll); };
  }, []);

  return (
    <div>
      {logoSizeOverride}
      <div className="disclaimer-nav">
        <Header logoSrc="assets/logo.svg" links={headerLinks()} ctaLabel="Order Title" onCtaClick={() => { window.location.href = 'Order Title.html'; }} />
        <AppQuickLink />
        <LogoHomeLink />
      </div>
      <LegalHero
        label="Legal"
        title="Website Disclaimer"
        intro="The Acorn Title website is designed to make real estate information easier to understand. This disclaimer explains the limits of that information and how our online tools should be used."
        lastUpdated="August 1, 2026"
      />
      <div className="legal-layout" style={{ maxWidth: 1100, margin: '0 auto', padding: '0 24px 96px', display: 'grid', gridTemplateColumns: '220px 1fr', gap: 64, alignItems: 'start' }}>
        <div className="legal-toc-desktop" style={{ position: 'sticky', top: 100 }}>
          <TOCNav sections={sections} activeId={activeId} />
        </div>
        <div style={{ maxWidth: 800 }}>
          <MobileTOC sections={sections} activeId={activeId} />

          <PolicySection id="general-information" title="General Information">
            <p style={{ margin: '0 0 16px' }}>The information, tools, resources, and materials available through the Acorn Title website are provided for general informational and educational purposes.</p>
            <p style={{ margin: '0 0 16px' }}>We work to keep the website useful, accurate, and current. However, real estate transactions are fact-specific, and website information may not reflect every circumstance, recent change, or requirement that applies to a particular property or transaction.</p>
            <p style={{ margin: 0 }}>Visitors should not rely solely on general website information when making legal, financial, tax, investment, lending, title, escrow, or real estate decisions.</p>
          </PolicySection>

          <PolicySection id="no-professional-advice" title="No Professional Advice">
            <p style={{ margin: '0 0 16px' }}>Nothing on this website constitutes legal, tax, accounting, financial, investment, lending, or real estate advice.</p>
            <p style={{ margin: '0 0 16px' }}>The website does not create an attorney-client, accountant-client, financial-advisor, fiduciary, or other professional advisory relationship.</p>
            <p style={{ margin: '0 0 16px' }}>Questions requiring legal interpretation or advice should be directed to a qualified attorney.</p>
            <p style={{ margin: '0 0 16px' }}>Questions regarding taxes, financial planning, lending, investments, or other specialized matters should be directed to an appropriately qualified professional.</p>
            <p style={{ margin: 0 }}>Acorn Title employees do not provide legal advice unless separately authorized and acting in a legally recognized professional capacity.</p>
          </PolicySection>

          <PolicySection id="title-and-escrow-information" title="Title and Escrow Information">
            <p style={{ margin: '0 0 16px' }}>Descriptions of title insurance, escrow, commitments, policies, closing procedures, coverage, exceptions, requirements, fees, or related matters are general explanations only.</p>
            <p style={{ margin: '0 0 8px' }}>Website content does not constitute:</p>
            <PolicyList items={['A title commitment', 'A title insurance policy', 'A coverage determination', 'An underwriting decision', 'An escrow agreement', 'Escrow instructions', 'A closing disclosure', 'A settlement statement', 'A guarantee that title is clear', 'A promise that a title policy will be issued', 'A binding agreement to provide services']} />
            <p style={{ margin: '0 0 16px' }}>Any title or escrow service is subject to the facts of the transaction, applicable law, underwriting requirements, title examination, written documents, and final approval.</p>
            <p style={{ margin: 0 }}>Coverage is determined only by the terms, conditions, exclusions, exceptions, and endorsements contained in the actual title policy issued for the transaction.</p>
          </PolicySection>

          <PolicySection id="estimates-and-calculators" title="Estimates and Calculators">
            <p style={{ margin: '0 0 16px' }}>Seller net sheets, buyer estimates, title-premium calculations, closing-cost calculators, monthly-payment tools, tax prorations, commission calculations, and similar online resources are estimates provided for planning and informational purposes only.</p>
            <p style={{ margin: '0 0 16px' }}>Results may be based on information entered by the user, general assumptions, available rate information, or estimated amounts.</p>
            <p style={{ margin: '0 0 8px' }}>Actual figures may differ because of factors including:</p>
            <PolicyList items={['Contract terms', 'Final sales price', 'Loan terms', 'Lender charges', 'Title requirements', 'Title-insurance coverage', 'Applicable rate rules', 'Taxes and tax prorations', 'Assessments', 'HOA charges', 'Recording fees', 'Survey costs', 'Commissions', 'Repairs or credits', 'Payoff amounts', 'Interest', 'Closing date', 'Property type', 'Required endorsements', 'Changes made before closing']} />
            <p style={{ margin: '0 0 16px' }}>Online estimates are not final settlement figures and should not be treated as a closing disclosure, settlement statement, lender disclosure, quote, invoice, or guarantee.</p>
            <p style={{ margin: 0 }}>Final amounts are determined through the applicable transaction documents and closing process.</p>
          </PolicySection>

          <PolicySection id="online-forms-and-title-orders" title="Online Forms and Title Orders">
            <p style={{ margin: '0 0 8px' }}>Submitting a contact form, title-order request, uploaded contract, estimate request, or other information through the website does not automatically:</p>
            <PolicyList items={['Establish an escrow relationship', 'Create a title-insurance contract', 'Guarantee acceptance of an order', 'Confirm that a file has been opened', 'Guarantee a closing date', 'Guarantee insurability', 'Bind Acorn Title to provide services', 'Create any other contractual relationship']} />
            <p style={{ margin: '0 0 16px' }}>A title order or service request is not confirmed until Acorn Title reviews the submission and provides appropriate confirmation.</p>
            <p style={{ margin: '0 0 16px' }}>Additional documents, information, identification, approvals, or agreements may be required.</p>
            <p style={{ margin: 0 }}>Users are responsible for providing complete and accurate information.</p>
          </PolicySection>

          <PolicySection id="transaction-documents-control" title="Transaction Documents Control">
            <p style={{ margin: '0 0 16px' }}>Every real estate transaction is governed by its own contracts, title documents, lender documents, disclosures, written instructions, and other transaction-specific materials.</p>
            <p style={{ margin: '0 0 16px' }}>If general website information conflicts with a title commitment, title policy, contract, closing disclosure, settlement statement, lender instruction, escrow instruction, written communication, or other transaction-specific document, the applicable transaction document or written instruction controls.</p>
            <p style={{ margin: 0 }}>Visitors should carefully review all documents provided in connection with their transaction and ask questions before relying on them or signing them.</p>
          </PolicySection>

          <PolicySection id="wire-fraud-and-funds-transfer" title="Wire Fraud and Funds Transfer">
            <p style={{ margin: '0 0 16px' }}>Real estate transactions are frequent targets of wire fraud, email compromise, impersonation, and fraudulent funds-transfer instructions.</p>
            <p style={{ margin: '0 0 16px' }}>Never rely solely on wiring instructions received by email, text message, website message, or an unexpected communication.</p>
            <SafetyCallout heading="Always Verify Before You Wire">Acorn Title will never be offended by a verification call. Before sending money, contact our office through a trusted phone number and confirm the instructions directly with an authorized team member.</SafetyCallout>
            <p style={{ margin: '0 0 8px' }}>Before sending funds:</p>
            <PolicyList items={['Contact Acorn Title directly using a trusted and independently verified phone number.', 'Confirm the wiring instructions verbally with an authorized Acorn Title representative.', 'Confirm the receiving bank and account information.', 'Do not use contact information contained only in an unexpected or suspicious message.', 'Notify Acorn immediately if instructions change or appear unusual.']} />
            <p style={{ margin: 0 }}>Acorn Title will not be responsible for funds sent to an unauthorized account because a visitor or transaction participant relied on fraudulent, altered, intercepted, or unverified instructions, except to the extent responsibility cannot legally be limited.</p>
          </PolicySection>

          <PolicySection id="property-and-public-information" title="Property and Public Information">
            <p style={{ margin: '0 0 16px' }}>Property information, tax information, public records, maps, ownership information, legal descriptions, estimates, and other data displayed or referenced on the website may come from users, public sources, government records, third-party databases, or service providers.</p>
            <p style={{ margin: '0 0 16px' }}>Such information may be incomplete, delayed, estimated, or inaccurate.</p>
            <p style={{ margin: '0 0 16px' }}>Website information should not be treated as an official title search, survey, appraisal, tax certification, zoning determination, legal description, ownership determination, or public-record certification.</p>
            <p style={{ margin: 0 }}>Transaction-specific information must be independently researched and verified through the appropriate title, escrow, governmental, lending, surveying, appraisal, legal, or other professional process.</p>
          </PolicySection>

          <PolicySection id="third-party-services" title="Third-Party Services">
            <p style={{ margin: '0 0 16px' }}>The website may contain links to or integrations with third-party websites, applications, maps, calculators, scheduling tools, portals, document services, communication systems, payment services, or other external resources.</p>
            <p style={{ margin: '0 0 8px' }}>Acorn Title does not control every aspect of those third-party services and does not guarantee their:</p>
            <PolicyList items={['Availability', 'Accuracy', 'Security', 'Accessibility', 'Privacy practices', 'Content', 'Performance']} />
            <p style={{ margin: '0 0 16px' }}>Use of third-party services is subject to the terms and policies established by those providers.</p>
            <p style={{ margin: 0 }}>A link or integration does not necessarily constitute an endorsement.</p>
          </PolicySection>

          <PolicySection id="website-availability-and-accuracy" title="Website Availability and Accuracy">
            <p style={{ margin: '0 0 8px' }}>Acorn Title makes reasonable efforts to maintain a useful and reliable website, but we do not guarantee that:</p>
            <PolicyList items={['The website will always be available.', 'Every feature will operate without interruption.', 'Website content will always be complete or current.', 'Errors will be corrected immediately.', 'Files or communications will always be delivered successfully.', 'The website will be free from harmful code or unauthorized activity.', 'Information will be suitable for every user or transaction.']} />
            <p style={{ margin: '0 0 16px' }}>Content may be updated, corrected, removed, or changed without notice.</p>
            <p style={{ margin: 0 }}>Visitors should confirm critical information directly with Acorn Title or the appropriate qualified professional before relying on it.</p>
          </PolicySection>

          <PolicySection id="no-warranties" title="No Warranties">
            <p style={{ margin: '0 0 16px' }}>To the fullest extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.</p>
            <p style={{ margin: '0 0 16px' }}>Acorn Title disclaims warranties regarding the website and its content, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, availability, and noninfringement.</p>
            <p style={{ margin: 0 }}>Nothing in this disclaimer excludes a warranty or right that cannot legally be excluded.</p>
          </PolicySection>

          <PolicySection id="limitation-of-responsibility" title="Limitation of Responsibility">
            <p style={{ margin: '0 0 8px' }}>To the fullest extent permitted by applicable law, Acorn Title will not be responsible for losses or damages resulting from:</p>
            <PolicyList items={['Reliance on general website information', 'Use of an online estimate or calculator', 'Incomplete or inaccurate user submissions', 'Website errors or interruptions', 'Delayed or failed electronic communications', 'Third-party websites or services', 'Unauthorized access or malicious activity', 'Unverified wiring or funds-transfer instructions', 'Decisions made without obtaining appropriate professional advice']} />
            <p style={{ margin: 0 }}>Nothing in this disclaimer limits liability or legal rights that cannot lawfully be limited or waived.</p>
          </PolicySection>

          <PolicySection id="changes-to-this-disclaimer" title="Changes to This Disclaimer">
            <p style={{ margin: '0 0 16px' }}>Acorn Title may revise this Website Disclaimer from time to time to reflect changes in the website, online tools, services, technology, or applicable law.</p>
            <p style={{ margin: '0 0 16px' }}>The current revision date will appear at the top of this page.</p>
            <p style={{ margin: 0 }}>Continued use of the website after an update is subject to the revised disclaimer.</p>
          </PolicySection>

          <PolicySection id="contact-us" title="Contact Us">
            <p style={{ margin: '0 0 20px' }}>Questions about this Website Disclaimer may be directed to:</p>
            <ContactPanel
              heading="Questions About This Disclaimer?"
              copy="If you are unsure how website information applies to your transaction, contact the Acorn team before relying on it."
              address={<React.Fragment>Acorn Title<br />1100 NW Loop 410<br />Castle Hills, TX 78213</React.Fragment>}
              phone="(210) 465-3033"
              email="info@acorn-title.com"
            />
          </PolicySection>

          <LegalPageNav active="Website Disclaimer" />
        </div>
      </div>
      <SiteFooter />
    </div>
  );
}

window.WebsiteDisclaimerPage = WebsiteDisclaimerPage;