Terms of Service

These Terms of Service (“Terms”) are an agreement between you and [Legal entity name], a [State of organization] company doing business as Homes AVM (“Homes AVM,” “we,” “us” or “our”). They govern your use of homesavm.com, the Homes AVM portal, and related services (the “Service”). By creating an account or using the Service, you agree to these Terms. If you use the Service for a company, you agree on its behalf and confirm you have authority to do so.

1. The Service

Homes AVM helps mortgage loan officers and similar professionals stay in touch with their clients. The Service includes personalized home reports, client import and management, monthly Home Digest emails sent in your name, an engagement dashboard, and done-for-you services such as website setup. Features may change over time as we improve the Service.

2. Accounts

You must be at least 18 years old and provide accurate, complete information when you sign up. You are responsible for keeping your login credentials secure and for all activity under your account. Tell us promptly at support@homesavm.com if you suspect unauthorized access.

3. Free trial, subscription and billing

• New accounts start with a 5-day free trial. A valid payment method is required at signup.
• During the trial, campaign sending is limited to 100 emails.
• Unless you cancel before the trial ends, your subscription to Homes AVM Pro begins automatically at $25 per month, billed monthly in advance until you cancel.
• Subscriptions are sold and billed by Paddle, our merchant of record. Your purchase is also subject to Paddle’s buyer terms, and Paddle handles payment processing, taxes and receipts.
• You can cancel at any time. Cancellation takes effect at the end of your current billing period, and you keep access until then.
• We do not provide refunds for partial months, except where required by law or per Paddle’s buyer terms.
• If a payment fails, we may suspend access to the Service until payment is made.
• We may change prices with at least 30 days’ notice. New prices apply from your next billing period after the notice.

4. Acceptable use

You agree not to use the Service to:

• Send spam, or email anyone who has not agreed to hear from you where consent is required.
• Upload data you do not have the right to use, or data obtained by scraping, purchase of lists, or other means that violate law or third-party terms.
• Send misleading, deceptive, discriminatory or unlawful content, including content that violates fair lending or fair housing laws.
• Impersonate any person or business, or misrepresent your license status.
• Interfere with, probe, overload or attempt to gain unauthorized access to the Service or other accounts.
• Copy, resell, reverse engineer or build a competing product from the Service.

We may suspend sending or access if we reasonably believe your use violates these Terms, harms email deliverability, or exposes Homeowners, other customers or us to risk.

5. Your compliance responsibilities

You are solely responsible for your use of the Service and for complying with all laws and regulations that apply to your business and communications, including, as applicable, the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the Real Estate Settlement Procedures Act (RESPA), state licensing and advertising rules, and privacy laws.

You represent that you have a lawful basis, and any consent required by law, to upload each client’s information and to contact them through the Service, including by email, phone or text from links in their report. You are responsible for the accuracy of your license details, disclosures and branding. We provide tools such as unsubscribe handling and standard NMLS and Equal Housing disclosures, but these do not replace your own compliance review.

6. Estimates are not appraisals

Home values, ranges, equity figures, nearby sales, rate information and payment comparisons in the Service are automated estimates based on public records, market data and the information you provide. They are for general information only. They are not appraisals, are not loan offers or commitments to lend, and may be inaccurate or out of date. They should not be relied on for any lending, purchase, sale or financial decision.

7. Your content and license to us

You keep ownership of the content and data you provide, including client lists, branding, photos and text (“Customer Content”). You grant us a non-exclusive, worldwide, royalty-free license to host, copy, process, display and transmit Customer Content only as needed to provide, secure and improve the Service and as described in our Privacy Policy. You confirm you have the rights needed to grant this license, including rights to any logos, photos and fonts you upload.

We process Homeowner data on your behalf as described in our Privacy Policy, and we do not sell it or use it to market to Homeowners for ourselves or others.

8. Our intellectual property

The Service, including its software, design, report formats, templates and the Homes AVM name and logo, is owned by us or our licensors and protected by law. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to use the Service for your business during your subscription. If you send us feedback or suggestions, we may use them without obligation to you.

9. Done-for-you services

Where we prepare reports, organize client imports, send campaigns, or build a website for you, we do so on a reasonable-efforts basis and within typical timeframes we may share, which are estimates and not guarantees. You are responsible for reviewing work we prepare on your behalf, including website copy and disclosures, before and after it goes live.

Websites are built with search engine and AI-search best practices in mind, but we do not guarantee any search ranking, traffic, leads, or that any search engine or AI assistant will display, cite or recommend you. You are responsible for your domain registration and any third-party accounts connected to your site.

10. Third-party services

The Service relies on and may link to third-party services, such as Paddle for payments, Calendly for scheduling, email delivery providers, social networks and data sources. Your use of those services is governed by their own terms. We are not responsible for third-party services or their availability, and they may change or stop working with the Service.

11. Termination

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access if you breach these Terms, fail to pay, or if we are required to by law, and we will try to give notice where reasonable. On termination, your right to use the Service ends. You may request an export of your client data within 30 days after termination; after that we may delete it as described in our Privacy Policy. Sections that by their nature should survive termination will survive, including sections 5 through 8 and 12 through 15.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ESTIMATES WILL BE ACCURATE, OR THAT EMAILS WILL BE DELIVERED OR OPENED.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER HOMES AVM NOR ITS OWNERS, EMPLOYEES OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA OR BUSINESS OPPORTUNITIES, ARISING FROM OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

14. Indemnity

You will defend, indemnify and hold harmless Homes AVM and its owners, employees and suppliers from any claims, damages, losses and expenses, including reasonable attorneys’ fees, arising from your Customer Content, your communications with clients, your breach of these Terms, or your violation of any law or third-party right, including TCPA, CAN-SPAM, RESPA, licensing and privacy laws.

15. Governing law and disputes

These Terms are governed by the laws of the State of [State], without regard to its conflict-of-law rules. Any dispute will be brought exclusively in the state or federal courts located in [State], and you and we consent to their jurisdiction.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will update the date above and notify you by email or in the portal before the changes take effect. Continuing to use the Service after that means you accept the updated Terms.

17. General

These Terms, together with our Privacy Policy, are the entire agreement between you and us about the Service. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets.

18. Contact

Questions about these Terms? Email support@homesavm.com.

[Legal entity name], [Mailing address]