Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and Real Estate Financial Planner™ LLC, operating as REFP Apps ("we", "us", "our", or "the Platform") governing your access to and use of our web applications and related services (collectively, the "Services"). By accessing, browsing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not access or use our Services. We reserve the right to modify these Terms at any time, and your continued use of the Services following any changes constitutes acceptance of those changes.

2. Eligibility

You must be at least 16 years of age (or the age of majority in your jurisdiction, whichever is greater) to use our Services. By using the Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization or entity to these Terms.

3. User Accounts

3.1 Account Creation

To access certain features of the Services, you must create an account by providing accurate, current, and complete information, including a valid email address, username, and password. You agree to update your information promptly if it changes.

3.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality and security of your account credentials (username and password).
• All activities and actions that occur under your account, whether or not authorized by you.
• Immediately notifying us of any unauthorized access to or use of your account or any other security breach.

We will not be liable for any loss or damage arising from your failure to comply with these security obligations. You may not share your account credentials with any third party.

3.3 Account Verification

Upon registration, you will receive an email verification link. You must verify your email address to activate your account and access the Services.

3.4 Valid Email Requirement

A valid, deliverable email address is required to maintain your account. Your email address is our primary means of communicating with you regarding account security, subscription billing, service updates, and legal notices. If emails sent to your registered email address are returned as undeliverable (i.e., "bounced"), we reserve the right to suspend or delete your account after reasonable attempts to resolve the issue. We may, but are not obligated to, attempt to contact you through other means before taking action.

4. Subscriptions and Payments

4.1 App Purchases

REFP Apps offers individual apps for purchase on a monthly, yearly, or lifetime basis. Prices are displayed on each app's page and at checkout. All prices are in US dollars unless otherwise stated.

4.2 Payment Processing

All payments are processed securely through Stripe. By making a purchase, you agree to Stripe's Terms of Service. We do not store your full payment card details on our servers.

4.3 Recurring Subscriptions

Monthly and yearly subscriptions will automatically renew at the end of each billing period unless cancelled before the renewal date. You will be charged the then-current rate at each renewal.

4.4 Cancellation

You may cancel a recurring subscription at any time. Upon cancellation, you will retain access to the app through the end of your current paid billing period. No refunds are issued for partial billing periods. Lifetime purchases are non-refundable.

4.5 Price Changes

We reserve the right to change prices at any time. Price changes for existing subscriptions will take effect at the next renewal period, and we will notify you in advance of any price increases.

5. Acceptable Use Policy

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable federal, state, local, or international law or regulation.
• Use the Services in any manner that could disable, overburden, damage, or impair the Services.
• Use any robot, spider, scraper, or other automated means to access the Services without our express written permission.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services.
• Introduce any viruses, malware, or other technologically harmful material.
• Reverse engineer, decompile, or disassemble any part of the Services.
• Share, resell, or redistribute access to apps you have purchased to third parties.
• If you are a Sponsor, use Sponsored User data for purposes other than those described in Section 14, or share Sponsored User data with any unauthorized third party.

6. Fair Use Policy

6.1 Intended Use

REFP Apps is designed for individual real estate investors, small-to-medium operators, and real estate professionals for personal and legitimate business use. Our tools are built to support genuine real estate investing activity.

6.2 Reasonable Use

Property storage, transaction tracking, dashboard creation, report generation, and all other platform features are provided for reasonable personal and business use. There are no hard numerical limits on usage, but activity should reflect genuine real estate investing purposes.

6.3 Prohibited Use

The following activities are prohibited under this Fair Use Policy:

• Automated bulk data creation using bots, scripts, or other programmatic means.
• Using the platform as a general-purpose database for purposes unrelated to real estate investing.
• Intentionally creating excessive records to stress or degrade platform performance.
• Reselling platform access or data outside of the official sponsorship programs.

6.4 Enforcement

We reserve the right to contact users whose usage significantly exceeds normal patterns to discuss their needs. In extreme cases of abuse, we may suspend or restrict access after providing reasonable notice. Users who are contacted about usage and have a legitimate business need will be accommodated — this policy is intended to prevent abuse, not to limit power users.

6.5 What's Considered Normal

For reference, the typical active user manages 1–50 properties. Users with larger portfolios (100+ properties) are welcome and fully supported. This policy targets only clear abuse patterns, not legitimate high-volume use.

7. Intellectual Property Rights

7.1 Our Intellectual Property

The Platform and all apps, content, features, functionality, software, code, designs, graphics, and other materials contained therein are owned by REFP Apps and are protected by copyright, trademark, and other intellectual property laws. Your purchase of an app grants you a limited, non-exclusive, non-transferable license to use that app for your personal or internal business use, subject to your active subscription or lifetime purchase.

7.2 Your Data

You retain ownership of the property data, financial figures, and other information you input into our apps. We will not share your analysis data with other users or third parties except as described in our Privacy Policy and, if applicable, as part of the Sponsorship Program described in Section 14 of these Terms.

8. Disclaimers

8.1 Not Financial or Investment Advice

The apps and tools provided by REFP Apps are intended for informational and educational purposes only. They are analytical tools designed to help you evaluate real estate investment scenarios. The results, calculations, and outputs generated by our apps do not constitute financial, investment, legal, or tax advice. You should consult with qualified professionals before making any investment decisions.

8.2 "As Is" Basis

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8.3 Accuracy of Calculations

While we strive to ensure the accuracy of our analysis tools and calculations, we do not warrant that the results produced by our apps will be error-free or suitable for any particular investment decision. You are solely responsible for verifying any calculations and for the investment decisions you make.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REFP APPS, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OR INABILITY TO USE THE SERVICES, OR ANY INVESTMENT DECISIONS MADE BASED ON INFORMATION PROVIDED BY THE SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

10. Termination

10.1 Termination by You

You may terminate your account at any time by contacting us. Active subscriptions should be cancelled before account termination to avoid further charges.

10.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Services for breach of these Terms, fraudulent activity, or at our sole discretion for any operational, legal, or business reason.

Without limiting the foregoing, accounts associated with email addresses that are persistently undeliverable may be suspended or terminated, as a valid email address is required to maintain account access (see Section 3.4).

10.3 Effect of Termination

Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Sections of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, limitations of liability, and dispute resolution provisions.

11. Indemnification

You agree to defend, indemnify, and hold harmless REFP Apps, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the Services, or your violation of any law or the rights of a third party.

12. Dispute Resolution

12.1 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us. We will attempt to resolve the dispute informally within thirty (30) days.

12.2 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by updating the "Effective Date" at the top of these Terms and, where appropriate, provide additional notice. Your continued use of the Services following the posting of revised Terms constitutes your acceptance of the changes.

14. Sponsorship Program

14.1 Overview

REFP Apps offers a Sponsorship Program that allows businesses such as lenders, real estate agents, brokers, and other real estate professionals ("Sponsors") to purchase app access on behalf of their clients ("Sponsored Users"). A Sponsor pays a fee to provide one or more Sponsored Users with access to specific REFP Apps at no cost to those users. Sponsors are independent third parties and are not employees, agents, or representatives of REFP Apps. The relationship between a Sponsor and a Sponsored User is an independent professional relationship; REFP Apps serves solely as the platform provider.

14.2 Sponsored User Benefits and Acknowledgment

If you are a Sponsored User, your Sponsor is paying for your access to certain apps on the Platform at no cost to you. By accepting a sponsorship, you acknowledge and agree that:

• Your Sponsor may view your contact information (name, email address, and phone number), your property data and analysis results within sponsored apps, and general usage metrics within those apps.
• Your Sponsor's branding (such as their logo and business name) may appear within your sponsored app experience in place of or alongside standard REFP Apps branding.
• Your Sponsor does not have access to: your payment information, your login credentials, or any data you enter in apps that are not part of your sponsorship arrangement.

14.3 Sponsor Obligations

If you are a Sponsor, you agree to:

• Use Sponsored User data only for legitimate business purposes directly related to the real estate services you provide to that user.
• Not sell, rent, redistribute, or otherwise transfer Sponsored User data to any third party.
• Comply with all applicable privacy and data protection laws and regulations in connection with your use of Sponsored User data.
• Maintain reasonable security measures to protect any Sponsored User data you access.
• Promptly notify REFP Apps of any data breach or unauthorized access involving Sponsored User data.

REFP Apps reserves the right to suspend or terminate a Sponsor's access to the Sponsorship Program if the Sponsor violates these obligations or any other provision of these Terms.

14.4 Data Visibility

The following outlines what information is and is not visible to Sponsors. For full details on how your data is collected, used, and shared, please see our Privacy Policy.

What Sponsors CAN see:

• Contact information: name, email address, and phone number.
• Full property data and analysis results within sponsored apps, including addresses, financial figures, and calculated outputs.
• Usage metrics within sponsored apps, such as which apps are accessed and general engagement levels.

What Sponsors CANNOT see:

• Payment information (credit card details, billing address, or transaction history).
• Login credentials (username or password).
• Data in apps that are not part of the sponsorship arrangement (e.g., apps you purchased individually).
• Other users' data.

14.5 Ending a Sponsorship

A sponsorship may end in the following ways:

• Sponsor Cancels: If your Sponsor cancels your sponsorship, you will receive a grace period to transition to an individual plan. If you do not purchase an individual plan before the grace period ends, you will lose access to the sponsored apps.
• You Switch to an Individual Plan: You may end your sponsorship at any time by purchasing an individual plan for the same app(s). Upon switching, your Sponsor will immediately lose access to your data within those apps.
• Account Termination: If either party terminates their REFP Apps account, the sponsorship relationship ends.

Regardless of how a sponsorship ends, you retain all property data and analysis results you created during the sponsorship period. REFP Apps is not liable for any data your Sponsor accessed or copied during the period when the sponsorship was active.

14.6 Sponsor Branding

Sponsors may display their business name, logo, and contact information within the sponsored app experience. All sponsor branding is subject to review and approval by REFP Apps. The display of sponsor branding does not constitute an endorsement, recommendation, or affiliation between REFP Apps and the Sponsor beyond the Sponsorship Program arrangement.

14.7 Limitation of Liability for Sponsorship

REFP Apps provides the platform and facilitates the Sponsorship Program but is not a party to the professional relationship between a Sponsor and a Sponsored User. REFP Apps does not endorse, guarantee, or assume responsibility for any advice, services, or recommendations a Sponsor may provide. The general limitation of liability set forth in Section 9 of these Terms applies to all aspects of the Sponsorship Program.

15. Product Availability and Release Schedule

15.1 Release Date Estimates

Release dates, launch windows, and timelines displayed on the Platform for upcoming or planned apps are estimates only and are subject to change at any time without prior notice. We make no guarantee or commitment that any app will be released on or by a particular date.

15.2 Right to Cancel or Delay

We reserve the right to delay, modify, or cancel the release of any planned or in-development app at our sole discretion and for any reason, including but not limited to quality standards, technical feasibility, or business considerations. The listing of a planned or in-development app on the Platform does not constitute a commitment to release that app. You should not rely on the availability of any unreleased app when making purchasing or business decisions.

15.3 No Liability

We shall not be liable for any loss, damage, or inconvenience arising from changes to release schedules or the cancellation of planned apps. Subscriptions and purchases apply only to apps that are currently available and accessible at the time of purchase.

16. Contact Information

If you have any questions about these Terms of Service, please contact us or email us at [email protected].