Terms of Service

1. Eligibility and account registration

Eligibility. You must be at least 18 years old and able to form a binding contract to use the Service.

Account registration. You may be required to create an account to use parts of the Service. You agree to provide accurate information and keep it current. You are responsible for all activity under your account, including safeguarding credentials and restricting access to your device(s) and account.

2. The Service is not professional advice

No financial, investment, legal, or tax advice. The Service provides software tools that organize and analyze information and assumptions you provide. The Service (including any AI-generated output) does not provide and is not a substitute for professional financial, investment, legal, tax, or accounting advice. We are not a registered investment adviser, broker-dealer, real estate broker, law firm, accounting firm, or CPA, and we do not act as a fiduciary.

No professional-client relationship. Your use of the Service does not create an attorney-client, accountant-client, fiduciary, advisory, or agency relationship, or any other special or professional relationship with us.

3. Financial modeling and investment risk acknowledgements

Assumptions drive outputs. Deal analyzer results (including for rental, BRRRR, fix-and-flip, break-even, and sensitivity scenarios), portfolio metrics, cash flow, DSCR, returns, and similar outputs depend on assumptions and data inputs that may be incomplete, inaccurate, or disputed. You are solely responsible for: (a) the accuracy and completeness of your inputs, (b) validating outputs, and (c) determining whether any output is meaningful for your situation. We do not independently verify any data inputs, market data, assumptions, or external information used within the Service.

No guarantee of results. Real estate investing involves significant risk and uncertainty (including market risk, vacancy, repairs, capital expenditures, financing changes, interest rate fluctuations, taxes, regulatory changes, and illiquidity). Outputs are estimates and are not guarantees of performance.

4. AI features and non-reliance

The Service may include an AI assistant and AI-enabled analysis features powered in part by third-party artificial intelligence providers. Data submitted to AI features may be processed by such providers in accordance with their respective terms and policies.

AI output may be incorrect. AI-generated content may be inaccurate, incomplete, misleading, or not up to date. You agree not to rely on AI outputs as a substitute for professional advice, due diligence, verification, or independent judgment.

Your responsibilities. You agree not to input sensitive information into AI features unless you have the legal right and authority to do so and you understand the risks associated with transmitting such information to third-party systems.

You acknowledge and agree that you have not relied on any output from the Service or AI features as a guarantee or assurance of any financial, legal, tax, or investment outcome.

5. User content, document uploads, and exports

User Content. The Service may allow you to upload or input documents and information, including receipts, expense records, tax-related documents, and property-related information ("User Content"). You retain ownership of your User Content as between you and us.

We do not review, verify, or assume responsibility for the accuracy, legality, completeness, authenticity, or reliability of any User Content. You acknowledge that any reliance on User Content is at your own risk.

License to operate the Service. You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, and display your User Content solely to: (a) operate and provide the Service, (b) maintain and improve the Service, (c) provide customer support, (d) comply with law, and (e) enforce these Terms.

Sensitive data caution. The Service is not designed for highly sensitive identifiers (for example, Social Security numbers, full bank account numbers, or payment card numbers). If you upload such data, you do so at your own risk. We may remove, redact, or restrict processing of data we reasonably believe creates undue risk.

We are not responsible for any loss, corruption, or deletion of User Content. You are solely responsible for maintaining independent backups of your information.

Exports and "CPA-level" reports. The Service may generate exports intended to assist with bookkeeping and tax preparation workflows. These exports are generated from your inputs and system logic and may contain errors. You are solely responsible for reviewing exports and ensuring your tax filings, accounting, and compliance are accurate and lawful.

6. Subscription plans, billing, and refunds

Subscriptions, billing practices, renewals, cancellations, and refunds are governed by our Subscription, Billing, and Refund Policy (the "Billing Policy"), which is incorporated into these Terms by reference. If there is a conflict between these Terms and the Billing Policy on billing topics, the Billing Policy controls.

7. Acceptable use

You agree not to misuse the Service. Your use is subject to our Acceptable Use Policy (if published), incorporated by reference. At minimum, you agree you will not:

• access, probe, or test the vulnerability of the Service or bypass security measures;
• reverse engineer, decompile, decode, copy, or attempt to extract source code, models, prompts, formulas, logic, or underlying methods used by the Service, except to the extent such restrictions are prohibited by law;
• use the Service to violate any law, infringe rights, or upload content you do not have rights to use;
• interfere with or disrupt the Service, including via scraping, automated queries that unreasonably burden the Service, or attempting to circumvent rate limits;
• use the AI assistant to request or generate unlawful or harmful instructions.

8. Intellectual property

Our IP. The Service, including software, interfaces, design, text, graphics, logos, and all underlying methodologies, models, templates, calculation structures, and analytics logic, are owned by us and/or our licensors and are protected by intellectual property laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.

Feedback. If you provide suggestions or feedback, you grant us the right to use it without restriction or compensation.

9. Third-party services

The Service may integrate with third parties such as payment processors, cloud/database providers, email services, and AI providers. Those third parties may have their own terms and policies. We are not responsible for third-party services and disclaim liability for third-party acts or omissions. Your use of any third-party services is at your own risk and is subject to the applicable third party's terms, conditions, and policies.

10. Suspension and termination

We may suspend or terminate your account or access to the Service immediately if: (a) you breach these Terms, (b) your use poses a security risk, (c) required by law, or (d) to protect the Service, other users, or our rights. You may stop using the Service at any time and may cancel subscriptions as described in the Billing Policy.

11. Disclaimers

As-is. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

No guarantee of uninterrupted service. We do not guarantee the Service will be uninterrupted, error-free, or free of harmful components.

We do not warrant that any outputs, projections, analyses, or reports will be accurate, complete, reliable, or suitable for any particular purpose.

You are solely responsible for any decisions, actions, filings, transactions, or outcomes resulting from your use of the Service.

12. Limitation of liability

To the maximum extent permitted by law:

• We will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or related to your use of (or inability to use) the Service.
• Our total liability for all claims arising out of or relating to the Service will not exceed the greater of: (a) the total amounts you paid us for the Service in the 12 months before the event giving rise to the claim, or (b) US $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

These limitations apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, even if we have been advised of the possibility of such damages.

13. Indemnification

You agree to indemnify, defend, and hold harmless us and our affiliates, officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your User Content, (b) your use of the Service, (c) your violation of these Terms, or (d) your violation of any law or third-party rights.

14. Dispute resolution, arbitration, and class action waiver

Informal resolution first. Before initiating arbitration, you agree to send a written notice of dispute to legal@equitysight.io describing the dispute and the relief sought. The parties will attempt in good faith to resolve the dispute informally within 60 days.

Arbitration agreement. If a dispute is not resolved informally, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its applicable consumer rules and procedures then in effect (the "AAA Rules"). The AAA maintains consumer arbitration rules, procedures, and fee schedules, and also operates a consumer clause registry that may require submission of a company's arbitration clause for review or registration in consumer matters.

Fees and accessibility. AAA's consumer fee schedule is designed to keep consumer costs reasonable and includes consumer due process protections.

Location; remote hearings. The arbitration will take place in Wayne County, Michigan, unless you and we agree otherwise, and may be conducted remotely to reduce burdens.

Small claims and injunctive relief carve-outs. Either party may bring an individual action in small claims court, if eligible. Either party may seek temporary injunctive relief in court to prevent irreparable harm (for example, misuse of the Service, security breaches, or infringement), without waiving arbitration for the underlying dispute.

Class action waiver. You and we agree that disputes will be brought only on an individual basis. You and we waive any right to bring or participate in a class action, class arbitration, or other collective proceeding.

Batch arbitration (to reduce cost and delay). To the extent permitted by the AAA Rules and applicable law, if 25 or more similar arbitration demands are filed by or with the assistance of the same counsel or coordinated parties, the parties agree to use a batched process intended to promote efficiency and reduce burden, including bellwether procedures where appropriate.

Opt-out. You may opt out of this arbitration agreement by sending written notice to legal@equitysight.io within 30 days of first accepting these Terms. Your opt-out notice must include your name, account email, and a clear statement that you want to opt out of arbitration.

Governing arbitration law. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

15. Governing law and venue

Except where federal law applies (including the Federal Arbitration Act for arbitration), these Terms and any dispute arising out of or relating to them will be governed by the laws of the State of Michigan, without regard to conflict-of-laws rules.

16. Changes to the Service and Terms

We may modify the Service and these Terms at any time. If we make material changes, we will provide notice by reasonable means (for example, within the Service or via email). Your continued use of the Service after the effective date of any changes constitutes acceptance.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without liability. We will not be liable for any modification, suspension, discontinuation, unavailability, or removal of the Service or any portion thereof.

17. Miscellaneous

Entire agreement. These Terms, the Billing Policy, and any published acceptable use or similar policies constitute the entire agreement between you and us regarding the Service.

Severability. If any provision is held unenforceable, the remaining provisions will remain in effect.

Assignment. You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets.