Terms of Service

These Terms of Service ("Terms") govern your use of the NextRE iOS application, the NextRE website, and related services (together, the "Service") provided by NEXTRE LLC, a Florida limited liability company ("NextRE," "we," "us," "our"). By creating an account or using the Service, you agree to these Terms, including the arbitration agreement and class-action waiver in Section 15.

1. What NextRE is — and isn't

NextRE 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.

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, license to us, and export

You retain all rights to the data you submit. You grant us a limited license to host, process, and display that data to operate and improve the Service for you, and a separate license to use aggregated, de-identified data derived from your data for the market research described in our Privacy Policy, should we produce it in the future. We do not sell or share your individually identifiable data. See our Privacy Policy for how data is handled.

Export. You can get your data out, not just delete it. The app exports your portfolio value history — portfolio value, total debt, and equity over time — as a CSV you can save or share. For a complete copy of your data, including properties, loans, tenants, transactions, and documents, email info@nextre.io and we will provide it within 30 days.

Deletion. You can permanently delete your account and data at any time in the app (Settings → Delete Account).

4. AI-generated insights

Certain features — including portfolio summaries, AI Insights, and elements of the Portfolio Health Score presentation — are produced using Anthropic's AI models. AI insights are generated only when you request them — nothing is sent to Anthropic unless you initiate a generation. When you do, a summary of your portfolio data is processed solely to generate output for you (see our Privacy Policy). AI output is provided for informational purposes only, may be inaccurate or incomplete, and does not constitute the advice described in Section 1. You are responsible for reviewing AI-generated output before relying on it. We do not use your data to train AI models, and under Anthropic's commercial terms, data submitted through its API is not used to train Anthropic's models.

5. Third-party services and data

The Service integrates third-party providers, including Anthropic (AI insight generation), RentCast (market and listing data), and public data from the Federal Reserve (FRED). Property imagery is provided through Apple Maps, a built-in iOS service, rather than a separate imagery provider. Bank account connection is a planned future feature; if introduced, it would be powered by Plaid and subject to Plaid's own terms and privacy policy, and would be presented for your explicit opt-in before any connection is made. We do not control and are not responsible for third-party data accuracy or availability. Listings and valuations are estimates, may be outdated, and are not offers.

6. 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.

7. Beta status

The Service is currently offered in beta, free of charge. Beta features may change, be limited, or be discontinued at any time without notice, and are provided with fewer guarantees than a general-availability product — use them accordingly. Nothing in the Service's beta status limits the disclaimers in Section 11, which apply to the Service in all forms.

8. Subscriptions and changes to the Service

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.

9. Intellectual property

The Service, including its software, design, and content (excluding your data), is owned by NEXTRE LLC 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.

10. Apple App Store terms

Because the app is distributed through Apple's App Store, the following applies:

• These Terms are between you and NextRE only, not with Apple Inc. ("Apple"). Apple is not responsible for the app or its content.
• The license in Section 9 is limited to use on Apple-branded products that you own or control, as permitted by the Usage Rules in the App Store Terms of Service, except that the app may be accessed by other accounts associated with you via Family Sharing or volume purchasing.
• NextRE, not Apple, is solely responsible for maintenance and support of the app. Apple has no obligation to furnish any maintenance or support.
• In the event of any failure of the app to conform to an applicable warranty, you may notify Apple, and Apple will refund any purchase price you paid for the app. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are governed by these Terms.
• NextRE, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and claims under consumer protection or similar laws.
• In the event of a third-party claim that the app or your possession and use of it infringes that third party's intellectual property rights, NextRE, not Apple, is responsible for the investigation, defense, settlement, and discharge of that claim.
• You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with applicable third-party terms of agreement when using the app.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• Questions, complaints, or claims about the app should be directed to info@nextre.io.

11. 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.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEXTRE 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.

13. Indemnification

You agree to indemnify and hold NextRE 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.

14. Termination

You may stop using the Service and delete your account 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 Sections 1, 11 through 16, and 18 — survive. Our license to your data under Section 3 ends when your data is deleted.

15. Arbitration agreement and class-action waiver

Please read this section carefully — it affects your legal rights.

Informal resolution first. Before filing a claim, you agree to contact us at info@nextre.io and attempt in good faith to resolve the dispute informally for at least 30 days.

Binding arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted in Orange County, Florida, or, at your election, by videoconference or telephone. The arbitrator's award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Class-action waiver. YOU AND NEXTRE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court.

Exceptions. Either party may (a) bring an individual claim in small-claims court, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent infringement or misuse of intellectual property or unauthorized access to the Service.

Costs. AAA fees will be allocated under the AAA Consumer Arbitration Rules; if your claim is for less than $10,000 and you cannot afford the filing fee, we will pay it.

30-day opt-out. You may opt out of this arbitration agreement and class-action waiver by emailing info@nextre.io with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms. Opting out does not affect any other provision of these Terms.

Changes to this section. Any change we make to this Section 15 will apply only to claims arising after the change takes effect, and will re-open a 30-day opt-out window for the amended agreement. No change to this section applies retroactively to a dispute that has already arisen.

16. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. For any dispute not subject to arbitration under Section 15, you and NextRE consent to the exclusive jurisdiction of the state and federal courts located in Orange County, Florida.

17. Changes to these Terms

We may update these Terms as the Service evolves. For material changes, we will provide notice in the app or by email at least 30 days before the change takes effect, and the "Last updated" date above will change. Continued use after changes take effect constitutes acceptance, except as provided in Section 15 for changes to the arbitration agreement.

18. Miscellaneous

These Terms, together with our Privacy Policy, are the entire agreement between you and NextRE regarding the Service, and supersede any prior agreements on this subject. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign your rights or obligations under these Terms without our consent; we may assign ours in connection with a merger, acquisition, or sale of assets. Formal legal notices to NextRE must be sent in writing to info@nextre.io with the subject line "Legal Notice," separately from ordinary support requests.

19. Contact

Questions about these Terms: info@nextre.io
NEXTRE LLC
11439 Citra Circle, Apt 205
Windermere, FL 34786