This Platform User Agreement and Terms of Service (“Agreement”) governs access to and use of the software-as-a-service technology platform and related tools and services (collectively, the “Platform”). The Platform is provided by Platform Provider, a software company based in the United States.By accessing or using the Platform, you (“User,” “you,” or “your”) agree to be bound by this Agreement and confirm that you are at least eighteen (18) years old and legally able to enter into this Agreement.This Agreement applies to all Users, including real estate agents, homeowners, lenders, loan officers, brokerages, real estate teams, and any other individuals or entities using the Platform.

1. The Platform

The Platform provides technology tools designed to support real estate–related workflows, including client-facing presentations, automated content, program comparisons, estimated property values and equity calculations, marketing materials, automated email and SMS notifications, and related tools.Platform Provider may modify, update, enhance, or discontinue any part of the Platform at any time and without liability. Platform Provider is a technology provider only. We are not:

• A real estate brokerage
• A real estate agent
• A lender or mortgage broker
• A legal, tax, or financial advisor

Use of the Platform does not create any agency, fiduciary, partnership, brokerage, or professional relationship between Platform Provider and any User.

2. Account Registration & User Responsibilities

Some features require account registration. You agree to provide accurate, current, and complete information and to keep your account information up to date.You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to comply with all applicable laws, including those related to licensing, fair housing, data privacy, consumer protection, and electronic communications.Platform Provider may suspend or terminate access at its discretion for misuse, unlawful activity,or violation of this Agreement.

3. Not a Brokerage or Lender

Platform Provider does not participate in real estate transactions, negotiations, or contractual relationships between Users and their clients.Platform Provider does not originate, underwrite, approve, deny, or guarantee mortgage loans or financing programs.Users remain solely responsible for compliance with all federal, state, and local regulations applicable to their professional activities.

4. Lender Sponsorship & RESPA Compliance

Lenders or loan officers may sponsor access to the Platform for agents or other Users (“Sponsored Users”). All sponsorships are structured to comply with the Real Estate Settlement Procedures Act (RESPA) and similar laws:

● Sponsorship is not provided in exchange for referrals or closed transactions

● Sponsored Users retain full discretion to use or recommend any provider

● Sponsorships may be modified or terminated based on business judgment

● Inclusion of lender information is a technology feature, not advertising

● Platform fees reflect fair market value for software services and are not based on loan

volume

5. AI-Generated Content

The Platform may use artificial intelligence and third-party AI systems to generate content, presentations, summaries, explanations, or marketing materials (“AI-Generated Content”). AI-Generated Content is provided “as is” and may contain errors, omissions, or outdated information.

You acknowledge that:

● All AI-Generated Content must be reviewed and verified by you

● Platform Provider does not guarantee accuracy or completeness

● You remain solely responsible for any use or reliance on AI-Generated Content

Platform Provider is not liable for decisions or actions taken based on AI-Generated Content.

6. Estimates, Valuations & Calculations

The Platform may provide estimated values, equity calculations, net sheets, projections, and program illustrations (“Estimates”) based on User input, public records, automated valuation models (AVMs), third-party APIs, and proprietary logic. Estimates are informational only and:

● Are not appraisals, offers, guarantees, or underwriting decisions

● May differ materially from actual values or terms

You must independently verify all Estimates with qualified professionals.

7. Third-Party Programs, Partners & Services

The Platform may display, integrate with, reference, or provide access to third-party services and providers, including but not limited to CRMs, lenders, financing programs, coaching or training services, marketing vendors, advertising platforms, communication tools, analytics services, and data providers (“Third-Party Services”). Platform Provider does not own, operate, control, endorse, supervise, or guarantee any Third-Party Services, even if they are accessed through or referenced within the Platform. Use of any Third-Party Service is solely between you and the third party and is governed by that party’s own terms, policies, and obligations. Platform Provider is not responsible or liable for:

● Loan terms, approvals, denials, pricing, or funding outcomes

● Advice or services provided by coaches, marketers, or vendors

● CRM performance, outages, data loss, or integration failures

● Marketing performance, lead quality, or return on investment

● Regulatory compliance applicable to Third-Party Services

All Third-Party Services are used at your own risk. 8. Data & User-Provided Information

You may provide or upload data including contact information, property details, notes,valuations, and other information. The Platform may also display data from public records or third-party sources. Platform Provider does not guarantee the accuracy or completeness of any data, regardless ofsource. You are solely responsible for the accuracy and legality of all data you provide or share.

9. Messaging, Leads & Deliverability

The Platform may offer lead capture tools and automated email or SMS messaging.

You acknowledge that:

● Message delivery cannot be guaranteed

● Leads or messages may be delayed, filtered, blocked, or lost

● Third-party integrations may fail

You are responsible for obtaining all required consents and complying with laws including TCPA and CAN-SPAM.

10. Security

Platform Provider uses commercially reasonable safeguards but cannot guarantee absolute security. You are responsible for protecting your login credentials and notifying us of any suspected unauthorized access.

11. Intellectual Property & White-Labeling

All Platform software, content, designs, AI systems, and materials are owned by or licensed to Platform Provider. You are granted a limited, non-exclusive, non-transferable license to use the Platform for lawful business purposes. The Platform may be offered under multiple brand names or white-label configurations. All versions remain subject to this Agreement.

12. Fees & Payment

Certain features require payment. Fees are non-refundable unless required by law. Failure to pay may result in suspension or termination of access.

13. Disclaimers

THE PLATFORM AND ALL CONTENT, ESTIMATES, AI-GENERATED MATERIALS, DATA, AND THIRD-PARTY INFORMATION ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND. Platform Provider disclaims all warranties, including accuracy, fitness for a particular purpose, availability, and non-infringement.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLATFORM PROVIDER SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST LEADS, DATA, PROFITS, OR BUSINESS OPPORTUNITIES. TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100 IF NO FEES WERE PAID.

15. Indemnification

You agree to defend, indemnify, and hold harmless Platform Provider from any claims arising out of:

● Your use of the Platform

● Your data or content

● Your reliance on AI-Generated Content or Estimates

● Your use of Third-Party Services

● Your violation of this Agreement or applicable law

16. Termination

We may suspend or terminate access at any time for misuse, violation, or business reasons. Fees paid are non-refundable.

17. Updates to This Agreement

We may update this Agreement from time to time. Continued use of the Platform constitutes acceptance of any changes.

18. Governing Law & Venue

This Agreement is governed by the laws of the state in which Platform Provider is headquartered. Any disputes shall be brought exclusively in state or federal courts located in Atlanta, Georgia.

19. Miscellaneous

If any provision is unenforceable, the remainder remains in effect. This Agreement constitutes the entire agreement regarding the Platform. Questions may be submitted using the contact information provided within the Platform.