CHARIS REALTY GROUP

Ranch/Rambler

103 BAYNARD BOULEVARD

WILMINGTON, DE 19803

MLS#: DENC2111046

$479,000

Status: Active
Listing number: DENC2111046
Listing provided by: Crown Homes Real Estate
Listing agent phone: None
Last update: a day ago
On site: 6 days ago
Browse Properties
CARRCROFT - Residential

Property

Beds

4

Full Baths

2

1/2 Baths

None

Year Built

1976

Sq.Footage

2,050

Welcome to 103 Baynard Boulevard, a beautifully renovated four-bedroom, two-bath ranch situated on an exceptional 0.65-acre lot in the desirable Carrcroft community. One of the property’s most distinctive features is the picturesque creek running along the rear of the backyard, creating a peaceful natural setting rarely available in North Wilmington. Inside, the spacious foyer opens to a large, light-filled living room featuring refinished hardwood floors and a classic fireplace. The adjoining dining room offers plenty of space for everyday meals and entertaining. The completely renovated kitchen features crisp white cabinetry, quartz countertops and stainless-steel appliances. All four generously sized bedrooms are conveniently located on the main level, providing flexible space for guests, a home office or multigenerational living. Both full bathrooms have been completely updated with fresh, modern finishes. Additional improvements include a new roof and a new HVAC and heat-pump system. The large unfinished basement provides excellent storage and future possibilities, while the attached two-car garage adds everyday convenience. A previously identified basement-wall concern was professionally evaluated, and the recommended repairs have been completed by a contractor. Supporting inspection and repair documentation is available for buyers to review. Step outside to enjoy the expansive, shaded backyard overlooking the beautiful creek—an inviting setting for relaxing, gardening, entertaining or simply enjoying nature. Conveniently located near shopping, dining and major roadways, this move-in-ready Carrcroft home combines extensive renovations, comfortable one-level living and an unusually large, scenic lot. Schedule your showing today!

Features & Amenities

Interior

  • Total Bedrooms

    4

  • Bathrooms

    2

  • Above Grade Finished Area

    2050.0

  • Basement YN

    YES

  • Cooling YN

    YES

  • Cooling

    Central Air, Electric

  • Fireplace YN

    YES

  • Heating YN

    YES

  • Heating

    Electric, Heat Pump

  • Main Level Bedrooms

    4

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    2

  • Construction Materials

    Brick

  • Parking

    Garage, Attached

  • Pool

    No

  • Waterfront YN

    NO

Area & Lot

  • Lot Size(acres)

    0.65

  • Lot Size(square feet)

    28,314

  • Property Type

    Residential

  • Property Sub Type

    Single Family Residence

  • Architectural Style

    Ranch/Rambler

Price

  • Sales Price

    $479,000

  • Tax Amount

    $4,867

  • Sq. Footage

    2,050

  • Price/SqFt

    $233

HOA

  • Association

    No

School District

  • Elementary School

    N/A

  • Middle School

    N/A

  • High School

    N/A

Property Features

  • New Construction

    NO

  • Foundation Details

    Block

  • Senior Community YN

    NO

  • Sewer

    Public Sewer

  • Tax Lot

    155

  • Water Source

    Public

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

NEW CASTLE

Elementary School

Middle School

High School

Listing Courtesy of Corey J Harris, Crown Homes Real Estate

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Julie DeGiorgio

Graphic Designer

Julie DeGiorgio

Call Julie today to schedule a private showing.

(240) 446-9060

julie@charisrealty.com


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
Welcome to 103 Baynard Boulevard, a beautifully renovated four-bedroom, two-bath ranch situated on an exceptional 0.65-acre lot in the desirable Carrcroft community. One of the property’s most distinctive features is the picturesque creek running along the rear of the backyard, creating a peaceful natural setting rarely available in North Wilmington. Inside, the spacious foyer opens to a large, light-filled living room featuring refinished hardwood floors and a classic fireplace. The adjoining dining room offers plenty of space for everyday meals and entertaining. The completely renovated kitchen features crisp white cabinetry, quartz countertops and stainless-steel appliances. All four generously sized bedrooms are conveniently located on the main level, providing flexible space for guests, a home office or multigenerational living. Both full bathrooms have been completely updated with fresh, modern finishes. Additional improvements include a new roof and a new HVAC and heat-pump system. The large unfinished basement provides excellent storage and future possibilities, while the attached two-car garage adds everyday convenience. A previously identified basement-wall concern was professionally evaluated, and the recommended repairs have been completed by a contractor. Supporting inspection and repair documentation is available for buyers to review. Step outside to enjoy the expansive, shaded backyard overlooking the beautiful creek—an inviting setting for relaxing, gardening, entertaining or simply enjoying nature. Conveniently located near shopping, dining and major roadways, this move-in-ready Carrcroft home combines extensive renovations, comfortable one-level living and an unusually large, scenic lot. Schedule your showing today!

103 BAYNARD BOULEVARD

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Charis Realty Group - Christine Issler, Broker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Related Properties

Prime redevelopment opportunity in a growing Wilmington corridor. This 4,701 square foot commercial building, originally constructed in 1960, offers significant upside for investors and developers seeking a value-add project. The property requires substantial renovation but presents a strong foundation for repositioning. Zoning and layout may support a residential conversion of 10+ units, with the potential for a higher unit count depending on design and approvals (buyer to verify; variance likely required). The site offers flexibility for those looking to explore ways to maximize density and overall value. Ideal for experienced investors looking to capitalize on Wilmington’s rental demand and redevelopment trends. Property is being sold strictly as-is. Bring your vision and unlock the full potential of this sizable asset.
#DENC2101174

WILMINGTON

109 STROUD STREET

None Beds

None Baths

4,701 Sq.Ft.

$450,000

MLS#: DENC2101174

Welcome to Blue Rock Manor, where timeless charm meets everyday comfort in this beautifully maintained 4-bedroom, 2.5-bath home located in the heart of North Wilmington. Thoughtfully designed for both entertaining and flexible living, this inviting residence offers a spacious floor plan with classic details throughout. The 2nd level features gleaming hardwood floors, a formal living room filled with natural light, and an elegant formal dining room ideal for hosting family gatherings and special occasions. The eat-in kitchen provides ample space for casual meals and overlooks the rear yard, creating a warm and welcoming atmosphere. Convenient main-floor laundry enhances everyday functionality, while a main-level bedroom offers exceptional versatility as a guest suite, home office, or private retreat. A conveniently located half bath completes the first floor. Upstairs, the spacious primary suite serves as a relaxing sanctuary, complete with its own private en-suite bathroom. Two additional generously sized bedrooms and a full hall bath provide comfortable accommodations for family and guests. The basement offers abundant storage space and endless possibilities for future finishing to suit your needs. Step outside onto the rear deck and enjoy peaceful mornings or evening gatherings overlooking the beautifully landscaped backyard, creating a picturesque setting and a wonderful extension of the home’s living space. Ideally situated in the sought-after Blue Rock Manor community, this home offers convenient access to shopping, dining, parks, major roadways, and everything North Wilmington has to offer. Don’t miss the opportunity to make this classic Blue Rock Manor property your next home.
#DENC2096790

WILMINGTON

2605 TURNER ROAD

4 Beds

2 Baths

2,275 Sq.Ft.

$424,900

MLS#: DENC2096790

Welcome to 826 N Van Buren Street, a charming 3-bedroom, 2.5-bath home located in Wilmington’s desirable Cool Spring neighborhood. Offering a comfortable blend of character, space, and convenience, this home provides a wonderful opportunity to enjoy city living in one of Wilmington’s established residential communities. The enclosed front porch offers a warm welcome, setting the stage for the home’s unique charm. Inside, you’ll find a spacious living room with a wood burning fireplace, gorgeous hardwood floors and plenty of windows which allow for an abundance of natural light. Just beyond the living room, you have a large kitchen featuring stainless steel appliances and black shaker-style cabinets which provide a striking contrast to the light-colored granite countertops and subway tile backsplash. Tucked away at the rear of the home, the family room features recessed lighting and plush carpeting, creating a comfortable space to relax and unwind. From the family room, you have direct outside access to your own private oasis. The fully fenced backyard, highlighted by a charming pergola, creates the perfect outdoor space. Completing the main level is a beautifully updated powder room and convenient laundry room. Upstairs on the second floor are 2 generously sized bedrooms and two full baths. The footprint of the primary bedroom was expanded in 2022 to incorporate a private sitting room area, making it a true bedroom suite. The primary bath features tile flooring, a sizable walk-in shower and a custom-built vanity with contemporary vessel sink and oversized framed mirror. Completing the primary bath is direct access to a new deck, creating a seamless connection to the outdoors. The second bedroom on this floor is also nice in size with large windows and exposed brick wall. A charming sitting nook adds a cozy touch to this level, along with an additional stylish full bath showcasing black/white tile flooring, tub/shower combination with a tiled surround and a uniquely shaped custom vanity. The 3rd floor is a versatile space which features a large open bedroom/workspace with light colored carpeting, exposed brick walls and an exterior door which leads to yet another deck! And last but not least is the unfinished basement space which is perfect for storage. Conveniently located near downtown Wilmington, Trolley Square, local parks, restaurants, shopping, and major commuter routes, 826 N Van Buren Street puts many of the city’s amenities within easy reach. Schedule your showing today and see all that 826 N Van Buren Street has to offer!
#DENC2109714

WILMINGTON

826 N VAN BUREN STREET

3 Beds

2 Baths

2,175 Sq.Ft.

$435,000

MLS#: DENC2109714

Step into Wilmington’s storied past with 703 N West St, a historic apartment building on the National Register of Historic Places since 1979, adjacent to its sister property and representing one of the city’s only surviving pair of 18th-century stone houses with side-hall plans. Constructed around 1760 by the Woodward family as part of their ropemaking enterprise vital to the colonial port’s shipbuilding trade, this three-story, stuccoed stone structure with a brick rear ell retains charming Georgian elements like paneled walls, chair rails, original fireplaces, and a mid-19th-century mantel with Minton tiles. Its L-shaped layout and preserved details, including wide floorboards and central staircase, highlight Quaker influences and early industrial life in Delaware, complete with unverified local lore tying its hearthstone to the Declaration of Independence platform in Philadelphia. This property offers lots of potential for creative redevelopment—whether restoring it as multi-family housing, converting to a single-family residence, or exploring other adaptive uses—while preserving its irreplaceable architectural heritage. Note that it has lost its prior multi-family use over time and would require approval from the zoning board to reinstate apartments or similar configurations. Situated in the heart of Wilmington’s Downtown Development District, this property qualifies for significant incentives to support your vision, including up to 20% rebates on qualified real property investments through Delaware’s Downtown Development Districts Rebate Program. As a National Register-listed site, it’s also eligible for federal historic preservation tax credits (up to 20% for certified rehabilitations) and potential state grants, making it an ideal opportunity for investors or preservation enthusiasts. In rough condition with needs for major renovations, including roof and stucco maintenance, interior updates, and system overhauls, it’s offered as-is, presenting a unique fixer-upper in Quaker Hill surrounded by commercial growth, historic districts, and easy access to downtown. Seize the opportunity to invest in and preserve this architectural gem while benefiting from incentives designed to boost downtown vitality.
#DENC2097704

WILMINGTON

703 N WEST STREET

8 Beds

4 Baths

3,150 Sq.Ft.

$499,900

MLS#: DENC2097704

Exceptional opportunity to acquire a well-located mixed-use property in Wilmington, Delaware, featuring a long-standing, income-producing commercial business and a spacious residential unit above—ideal for investors, owner-operators, or live-work buyers. The street-level commercial space is home to a well-known, established liquor store brand, named after the original owner of the building and recognized throughout the surrounding area. The business has a documented history of strong performance, generating approximately $400,000–$500,000 in annual gross revenue from 2017–2024, reflecting consistent demand and a loyal customer base. The liquor license is included with the sale, allowing a new owner to continue operations seamlessly under an established name, or reposition the space while retaining the valuable license. Above the commercial space is a large 4-bedroom residential unit, offering the flexibility to live above your business, house a manager, or rent the unit separately for additional income—a powerful advantage for offsetting living expenses or maximizing overall returns. Situated on North Market Street, a high-visibility corridor with convenient access to downtown Wilmington, major employment centers, and surrounding neighborhoods, this property benefits from both traffic exposure and neighborhood stability. Key Highlights: Mixed-use commercial and residential building Established liquor store with strong historical revenue Well-known local brand named after the building’s original owner Liquor license included with sale Residential unit provides live-work or rental income options Prime North Market Street location with excellent visibility This property represents a rare chance to acquire a cash-flowing mixed-use asset with a recognized local business, built-in income, and long-term upside, making it attractive to both seasoned investors and owner-operators seeking stability and flexibility.
#DENC2095798

WILMINGTON

2300 N MARKET STREET

2 Beds

1 Baths

2,187 Sq.Ft.

$450,000

MLS#: DENC2095798

Are you looking for privacy, exceptional outdoor space, while enjoying North Wilmington convenience plus no HOA? 1405 Nammans offers a charming and versatile home on an impressive 0.99-acre double lot, which is truly a contractors paradise!! From the moment you arrive, the expansive driveway immediately stands out, offering parking for eight or more cars, trucks, vehicles of all sorts, in addition to a detached two-car garage with electricity. The main roof and garage roof were both replaced in 2024 with warranty included. Step inside to a bright, welcoming interior filled with natural light and a comfortable, open flow. Beautiful solid oak hardwood flooring extends throughout nearly the entire home, aside from the kitchen, and bathrooms. Just ahead, a deep coat closet with built-in shelving provides plenty of convenient storage. To the left is the spacious living room, where abundant windows fill the space with natural light and fireplace with a wood insert creates a warm focal point for your gatherings. Just off the living room is a generously sized main-level bedroom featuring attractive simulated wood laminate plank flooring, an overhead ceiling fan, double closets, and plenty of natural light. Its first-floor location offers plenty of flexibility for guests, a home office, or anyone looking for the convenience of main-level living. Continue into the dining room, where there is ample space for a six+ person table along with additional furniture or a china cabinet. The adjoining kitchen offers plenty of storage with 42-inch oak cabinetry, ceramic tile flooring, a newer stainless steel double-door refrigerator, Whirlpool built-in microwave, and a window above the sink, opening the space. From the kitchen, step directly outside onto the rear deck and into the expansive backyard. A conveniently located powder room completes the main level. Head upstairs, where the hardwood flooring continues through the hallway and bedrooms, and a beautiful stained-glass chandelier adds character to the stair landing. The spacious primary bedroom features an overhead ceiling fan and an impressive walk-in closet, or even a nursery with an additional closet tucked inside. The third bedroom is also generously sized, filled with natural light, complete with ceiling fan and offers double closets for excellent storage. There is even more usable space downstairs in the finished portion of the basement. With built-in shelving and three windows bringing in natural light, this flexible area could serve as an additional family room, home office, playroom, hobby space, or be reimagined to suit your needs. A large unfinished portion of the basement provides substantial additional storage and houses the washer and dryer, along with the Goodman gas HVAC system (2018), Bradford White hot water heater (2025), sump pump, and additional built-in shelving. Outside is where this property truly sets itself apart. Relax with your morning coffee on the rear deck overlooking the expansive yard, create your dream outdoor entertaining space, garden, play area, or simply enjoy the privacy and room to spread out. The detached two-car garage with electricity offers space for vehicles, a workshop, hobbies, or additional storage, while a second detached shed farther back on the property provides even more room for lawn equipment and seasonal items. Situated on a double lot with potential for growth and possible subdivision plus just moments from the Pennsylvania state line, this home offers a rare combination of space and convenience. Enjoy easy access to North Wilmington amenities, including Bechtel Park (baseball, tennis, basketball), Darley Swim Club, Total Wine, Home Depot, Target, Trader Joes, Septa trains, major roadways including I-95, and both Wilmington and Philadelphia airports. With nearly an acre, abundant parking, versatile living space, and exceptional outdoor potential, this home is ready for its next owner to make it their own!
#DENC2106752

WILMINGTON

1405 NAAMANS ROAD

3 Beds

1 Baths

2,047 Sq.Ft.

$410,000

MLS#: DENC2106752

Welcome to this beautifully renovated home in the highly sought-after Graylyn Crest community! This spacious 4-bedroom, 2.5-bath split-level home has been thoughtfully updated and is truly move-in ready. The bright and inviting floor plan offers generous living spaces, including a sun-filled living room, an updated kitchen with abundant cabinetry, and an adjoining dining area perfect for everyday living and entertaining. Just off the main living area, you'll find a light-filled sunroom overlooking the backyard, providing the perfect space to relax year-round. Upstairs, you'll find four well-sized bedrooms, including a spacious primary suite with a beautifully renovated private bath, along with an updated hall bathroom. Throughout the home you'll appreciate the extensive renovations and modern finishes, including updated flooring, renovated bathrooms, fresh paint, recessed lighting, and numerous additional improvements that make this home feel fresh and contemporary. Situated in one of North Wilmington's most desirable neighborhoods, Graylyn Crest offers a convenient location close to shopping, dining, parks, major highways, and within the popular Brandywine School District. Don't miss the opportunity to own this beautifully updated home in an established neighborhood where all the work has already been done—simply unpack and enjoy!
#DENC2110766

WILMINGTON

2415 RAMBLER ROAD

4 Beds

2 Baths

2,000 Sq.Ft.

$525,000

MLS#: DENC2110766

Welcome home to this beautifully renovated 3-bedroom home, ideally situated in the quaint town of Bellefonte and the highly sought-after North Wilmington area. Thoughtfully updated from top to bottom, this home offers the perfect combination of modern improvements and timeless original charm. Step inside to find the home’s original hardwood floors beautifully refinished throughout, preserving its character while giving the interior a fresh, polished feel. The brand-new kitchen features crisp white shaker-style cabinetry, quartz countertops, a stainless steel appliance package, and new flooring. The bathrooms have also been refreshed with new flooring and updated finishes. Beyond the cosmetic improvements, many of the home’s major systems and big-ticket items have been completely replaced, including all new windows throughout, a brand-new roof on both the home and detached 2-car garage, and an entirely new HVAC system complete with all-new ductwork throughout the home. The property is also situated on a large lot, offering plenty of outdoor space for entertaining, gardening, or future expansion possibilities, and includes a detached 2-car garage providing excellent parking and storage options. The extensive renovation was completed with all required permits pulled and properly closed, providing added confidence for the next owner. Beautifully renovated, full of character, and located in one of North Wilmington’s most desirable communities, this home is truly move-in ready. Come see everything it has to offer before it’s gone! Owner is a licensed Realtor. A new Garage door is also being installed prior to settlement. The Garage door was special order and taking longer than anticipated to arrive.
#DENC2109638

WILMINGTON

509 MARION AVENUE

3 Beds

1 Baths

1,625 Sq.Ft.

$399,900

MLS#: DENC2109638

Welcome to 1600 N. Franklin Street at Westhill in the highly sought after Trolley Square District! A modern and contemporary three story townhouse awaits you. This townhome features a large open foyer large enough to be used a living room, a large family room with fireplace, laundry, modern kitchen layout with dining area, half bath on the main floor and two primary bedrooms on the top floor each with ensuite bathrooms. This is amazing townhouse features a new kitchen with granite countertops, all new hardware and fixtures and stainless steel appliances. All bathrooms have been recently upgraded as well! The larger bedroom has a massive cathedral ceiling giving plenty of ambiance. The home has a great flow and has new luxury vinyl plank floors and new carpet throughout. There is also an unfinished basement for storage or could be converted to a home office, workout room or any flex spaces of your choosing, a large one car attached garage and driveway. The community is gated just pull up to the gate and swipe your card to enter the massive courtyard and drive directly up to your home. This townhome also features six terrace balconies with sliding patio doors giving plenty of outdoor seating to enjoy on any of the three levels. The third floor has a brand new sliding patio door and all other patio doors have been reconditioned and are in great working order. The position of the home with all the windows and balconies gives a ton of natural light. Enjoy low maintenance living in a great neighborhood in the heart of the city. A great walking score to all the Trolley Square attractions, restaurants, nightlife, shops, Brandywine Zoo, Strolls along Brandywine Creek, Delaware Art Museum, Rockford Park and Downtown Wilmington.
#DENC2110428

WILMINGTON

1600 N FRANKLIN STREET

2 Beds

2 Baths

2,225 Sq.Ft.

$399,900

MLS#: DENC2110428

Welcome to 4009 Oak St, a charming 3-bedroom, 2.5-bathroom home offering a spacious layout, abundant natural light, and plenty of room to enjoy both inside and out. Enter into the bright living room, featuring a ceiling fan and lots of natural sunlight. Beautiful hardwood floors flow throughout most of the first floor, continuing into the dining room, creating a seamless and inviting living space. The kitchen features granite countertops, breakfast bar seating, gas cooking and opens to the dining area where doors lead directly to the back patio – perfect for outdoor dining and entertaining. Back inside and also on the first level is a powder room and access to the 1-car garage. Upstairs, the spacious primary bedroom features a ceiling fan, three closets for ample storage, and a private full bathroom. Two additional bedrooms, both with ceiling fans, a full bathroom, and the conveniently located second-floor laundry complete the upper level. The finished basement offers a spacious family room area along with a separate den that provides flexibility for a possible fourth bedroom, home office, playroom, or additional living space. Outside, enjoy a large backyard with a patio and shed, offering plenty of space for entertaining, gardening, or relaxing. Additional highlights include a newer tankless water heater (2 years old), a new A/C unit, a smart doorbell and all appliances are included. With its spacious layout, beautiful hardwood floors, finished basement, convenient second-floor laundry, and generous outdoor space, this home offers the flexibility and features today's buyers are looking for. Don't miss the opportunity to make 4009 Oak St your new home!
#DENC2110188

WILMINGTON

4009 OAK STREET

3 Beds

2 Baths

1,750 Sq.Ft.

$395,000

MLS#: DENC2110188

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Charis Realty Group - Christine Issler, Broker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by Charis Realty Group - Christine Issler, Broker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service