These Terms of Service ("Terms") govern your use of the EstateFolio iOS application, the estatefolio.app website, and related services (together, the "Service") provided by EstateFolio [TODO: legal entity name] ("EstateFolio," "we," "us"). By creating an account or using the Service, you agree to these Terms.
1. What EstateFolio is — and isn't
EstateFolio is a portfolio-tracking and analysis tool for real-estate investors. It computes metrics, projections, and scenario models from data you provide and from third-party sources, and presents educational insights and opportunities.
Not financial, legal, or tax advice. EstateFolio is not a registered investment adviser, broker-dealer, lender, mortgage broker, or real-estate brokerage. Nothing in the Service — including buying-power estimates, acquisition timelines, refinance scenarios, listing suggestions, AI-generated insights, health scores, or any "recommendation" — constitutes financial, investment, legal, tax, or lending advice, or an offer or solicitation to buy or sell any property or financial product. Projections are estimates based on assumptions and data that may be incomplete, delayed, or inaccurate. Actual results will differ. You are solely responsible for your investment decisions, and you should consult qualified professionals before acting.
2. Eligibility and accounts
- You must be at least 18 years old and able to form a binding contract.
- You are responsible for the accuracy of information you provide and for safeguarding your login credentials.
- You may use the Service only for managing portfolios you own or are authorized to manage.
3. Your data and license to us
You retain all rights to the data you submit. You grant us a limited license to host, process, and display that data solely to operate and improve the Service for you. See our Privacy Policy for how data is handled. You may request deletion of your account and data at any time.
4. Third-party services and data
The Service integrates third-party providers, including Plaid (bank connections), Anthropic (AI insight generation), RentCast (market and listing data), and public data from the Federal Reserve (FRED). We do not control and are not responsible for third-party data accuracy or availability. Bank connections are subject to Plaid's own terms and privacy policy. Listings and valuations are estimates, may be outdated, and are not offers.
5. Acceptable use
- No unlawful use, no attempting to access other users' data, no probing or circumventing security (including row-level security), and no scraping or reselling Service data.
- No reverse engineering, except where such restriction is prohibited by law.
- No use of the Service to provide advice to third parties in a manner that requires licensure you do not hold.
6. Beta status, subscriptions, and changes
The Service is currently offered in beta, free of charge. We may introduce paid subscriptions in the future; pricing and terms will be presented before you are charged, and any purchases made through the App Store are also subject to Apple's terms. We may modify, suspend, or discontinue features at any time, particularly during beta.
7. Intellectual property
The Service, including its software, design, and content (excluding your data), is owned by EstateFolio and protected by law. We grant you a personal, non-exclusive, non-transferable license to use the app on Apple-branded devices you own or control, consistent with the App Store's usage rules.
8. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT PROJECTIONS OR DATA WILL BE ACCURATE, COMPLETE, OR CURRENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ESTATEFOLIO WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR INVESTMENT LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
10. Indemnification
You agree to indemnify and hold EstateFolio harmless from claims arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.
11. Termination
You may stop using the Service and request account deletion at any time. We may suspend or terminate access for violation of these Terms or to protect the Service or other users. Sections that by their nature should survive termination (including 1, 3, and 8–13) survive.
12. Governing law and disputes
These Terms are governed by the laws of the State of [TODO: state, e.g. Delaware or Ohio], without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in [TODO: venue], and you consent to their jurisdiction. [TODO: consider an arbitration clause with counsel.]
13. Changes to these Terms
We may update these Terms as the Service evolves. Material changes will be announced in the app or by email, and the "Last updated" date above will change. Continued use after changes take effect constitutes acceptance.
14. Contact
Questions about these Terms: hello@estatefolio.app
EstateFolio [TODO: entity name and mailing address]