Terms of Service
Code of Ethics & Conduct

Toledo REIA | Phone: (419) 283-8427 | Email: annamills@bex.net | Mailing Address: PO Box 5717, Toledo, OH 43613

Other Policies to Be Aware Of

Members are expected to be civic-minded and willing to operate with high standards of honesty and integrity.  It is our duty to conduct ourselves with the highest principles of the free enterprise system.

The ownership and management of Real Estate is a free enterprise.  The members of the Real Estate Investors Association of Toledo treat this with the utmost professionalism. 

The REIA of Toledo member is civic-minded and operates to the highest standards, and should recognize that the interest of the community require the highest and best use of the land and its buildings.    The REIA of Toledo member recognizes the need for adequate housing and the preservation of a healthy environment.  Thus the members share a common responsibility to maintain and improve housing.  The letters REIA of Toledo will be synonymous with competency, fairness, and integrity.

Accepting these standards, every REIA of Toledo member binds themselves to this code of conduct.

Further, if any allegations of conduct considered detrimental to the purposes and interest of REIA of Toledo are received in a written and signed communication to the administration, we will consider the matter.  Should a decision to take further action to be made, the administration shall furnish a copy of said allegation(s) to the accused, who shall be given adequate time to reply. Thereafter, the Advisory Board shall take such further actions as it may deem proper, up to and including expulsion from membership in REIA of Toledo.

Code of Ethics

Shaping Our Community


As members, we strive to build a diverse and inclusive community that embraces learning and fosters trust; a community where every investor can succeed.

Making good decisions and ethical choices in our investing builds trust in each other.  You should never compromise your personal integrity or the community’s reputation and trust in exchange for any short-term gain.

We are more likely to make ethical choices when integrity, honesty, and compliance guide our decision-making.  We should always be transparent about our motives, learn from our mistakes, and ask for help when faced with a difficult situation.  We expect leaders and experts to foster a community where investors feel free to ask questions and raise concerns when something doesn’t seem right.

Our Code of Ethics & Conduct emphasizes the role that each of us plays in building trust, and the approach we should take in making decisions.  When we apply these principles in our daily investing, we can move forward with confidence in our ability to make good decisions that build trust and empower each other to achieve more.


To provide a structure believing in education and knowledge as valuable tools to success and goal attainment, the non-profit educational Toledo Real Estate Investors Assn. (REIA) encourages all investors to expand their knowledge via courses, networking, and membership in real estate educational associations.

Values & Community

Faster, Better, & More


When we think about how we achieve our missions, it all depends on building trust.  Our goals are only possible when investors trust each other, the community, the education & the tools.

How do we earn and build that trust?  It starts by applying our standards and values to building lasting relationships inside and outside the real estate investing community.  Our values are the enduring principles that we use to do business with integrity and win trust every day.  Our community is our operating framework — who we are and how we behave.

Our Code of Ethics & Conduct (the “Standards”) will show you how we use our community and values to build and preserve trust so we can achieve more together.

How To Use The Standards To Make


Making good decisions and ethical choices build trust between each of us and the people we interact with.

But not all situations you encounter are straightforward — how do you make the best choice when facing difficult or unclear circumstances?  How do you navigate ethical dilemmas?  While the Standards won’t tell you exactly what to do in every situation, they serve as a guide to help you make good decisions and navigate complex situations where the answer might not always be clear.

Speaking Up When


It takes courage to speak up when something’s not right.

Part of building a community of trust is learning to speak up when something’s not right so that we can address the problem.  You don’t have to have all the details or be sure that something is wrong to raise a concern.  You can trust that we’ll treat your reports seriously, fairly, and promptly, and if something needs to be fixed we’ll take action based on what we learn.  Raising a concern should be as easy as possible.  That’s why there are a variety of ways to tell us when something’s wrong.


Trust With


Our mission depends on governments and communities knowing that we will follow the laws where we operate.

We operate and respect the laws wherever we invest.  This helps us to build trust with governments, strengthen the communities where we live and invest, and contribute to a fair society where we enjoy the protection of these same laws.  We are honest and transparent in our discussions with government representatives and officials.  We respond truthfully, appropriately, and promptly to government inquiries and requests for information.



We work better together because of our differences, not despite them.

We believe that we best serve everyone in our area and enrich the real estate community through the diverse skills, experiences, and backgrounds that each of us brings to the community.

  • We provide equal opportunities to all qualified investors, vendors, and service providers.
  • We do not discriminate based on age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations, and ordinances.
  • We examine our unconscious biases and take steps to create an inclusive community that makes every investor feel welcome.
Conflicts of Interests



If we don’t navigate potential conflicts of interest carefully, these situations can impact the decisions we make, erode trust, and harm the community’s reputation.

Conflicts of interest can arise when our personal relationships or financial interests overlap with our community responsibilities.

  • As members,  we act in the best interest of the community at large.
  • We avoid situations where a personal relationship or financial interest in another company or community might influence how we make decisions.
  • We understand that a conflict of interest can exist even if we are convinced that our decisions will not be affected by the outside relationship.
  • When conflicts of interest arise, we disclose them and get advice or approval.



What we say and how we say it matters.  We will win and preserve the trust of our community and one another only if we know we can rely on what is being said.

  • We listen carefully to feedback and questions.
  • We do not speak on behalf of the community unless authorized to do so; we direct inquiries to annamills@bex.net.
  • We make sure that all communications are honest and accurate.
  • If we endorse products or services on social media, we make our affiliation clear and state our honest opinion or belief about the endorsed person, business, product, or service.
  • Our advertising and promotional material are accurate and free from false claims.



We protect and respect the value of information and ideas.

We might lose our competitive advantage if we disclose confidential information.  We lose trust if we disclose confidential information we learn from the investors, lenders, vendors, and service providers we do business with.  Protecting information and ideas, whether our own or those of others, is crucial to our success and builds our reputation.

  • We use best practices to protect access to confidential information and avoid discussing it in common spaces, or with others who don’t need to know it.
  • We respect the confidentiality and intellectual property rights of others and do not use others’ confidential information without authorization.
  • We do not use or copy 3rd party copyrighted materials, like software, graphics, videos, and music without a license or permission.

Relationships With


We rely on our vendor and service provider relationships for our success.

To be successful, we need vendors & service providers that are as committed as we are to building trust with our investors, that will do great work, that will provide great customer service and that will follow the law.

  • We use technology plus our numbers, shared values, and each other to deliver more than any individual could ever hope for.
  • We negotiate for us all and use our numbers to get benefits and access that is normally reserved for the bigger players.
  • We select the best vendors & service providers by carefully considering their proven track record, reputation for integrity, and other merits — not based on favoritism.
Oversight & Enforcement

Members’ Responsibilities


The “Standards” apply to all members, vendors, volunteers & associates.

Members are expected to uphold these “Standards”, policies, and the law.  This means you must:

  • Read, understand, and comply with these “Standards”,  policies, laws, and regulations that apply.
  • Speak up when you see possible violations of the “Standards”, policies, and legal and regulatory requirements.
  • Be truthful, and accurate.

Failing to read or attest to the “Standards” does not excuse you from these responsibilities.


OUR “Standards” are endorsed by and have the full support of the National REIA Board of Directors.  The Board of Directors and management are responsible for overseeing compliance with these standards.


The “Standards” apply to all members, vendors, presenters, volunteers and associates.


These “Standards” are important to us.  Violation of these “Standards” may result in disciplinary actions, up to and including termination of membership and community exclusion.   Only the administration may waive a provision of the “Standards”.  Waivers must be requested in writing and directed to annamills@bex.net.

Last Updated 10/1/2020