Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using our website located at titleplatform.com (the "Site") or any of our software, applications, products, or services (collectively, the "Services"), you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.

We reserve the right to modify these Terms at any time. Material changes will be communicated via email to registered users or by posting a notice on our Site. Your continued use of the Services after such modifications constitutes acceptance of the updated Terms.

2. Description of Services

Title Platform provides software-as-a-service (SaaS) solutions designed for title companies, title agents, real estate professionals, and mortgage brokers operating in Florida. Our Services include, but are not limited to:

• Quote Calculators: Seller net sheet calculators, buyer estimate calculators, refinance calculators, and other closing cost estimation tools
• Lead Management: Lead capture, tracking, and customer relationship management (CRM) features
• Co-Branded Materials: Tools for creating co-branded net sheets, marketing materials, and professional documents
• Team Collaboration: Multi-user organization management, role-based access, and partner collaboration tools
• Open House Tools: Digital sign-in, lead capture, and follow-up automation
• Website Integration: Embeddable calculators and widgets for your company website
• PDF Generation: Professional document creation and export capabilities

The specific features available to you depend on your subscription plan. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Use the Services for lawful business purposes only
• Not be prohibited from using the Services under any applicable law
• If using on behalf of a business entity, have the authority to bind that entity to these Terms

Our Services are intended for business use by title industry professionals. By using the Services, you represent and warrant that you meet all eligibility requirements.

4. Account Registration and Security

To access certain features, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Not share your account credentials with any third party
• Notify us immediately of any unauthorized access or security breach
• Accept full responsibility for all activities that occur under your account

You may not use another person's account without permission. We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.

5. Subscription Plans and Payment

5.1 Billing

Paid subscriptions are billed in advance on a monthly or annual basis, depending on the plan selected. By subscribing, you authorize us to charge your designated payment method for all fees associated with your subscription.

5.2 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current rate for your plan tier.

5.3 Price Changes

We may change subscription prices upon thirty (30) days' notice. Price changes will take effect at the start of your next billing cycle. Your continued use after a price change constitutes acceptance of the new pricing.

5.4 Taxes

All fees are exclusive of applicable taxes, levies, or duties. You are responsible for paying all taxes associated with your subscription, except for taxes based on our net income.

5.5 Refund Policy

Subscription fees are generally non-refundable. However, we may, in our sole discretion, provide refunds or credits in certain circumstances. Refund requests should be submitted within fourteen (14) days of the charge and will be evaluated on a case-by-case basis. Contact support@titleplatform.com for refund inquiries.

5.6 Failed Payments

If payment fails, we may suspend or restrict access to your account until payment is successfully processed. We may retry failed payments and will notify you of payment issues via email.

6. Cancellation and Termination

6.1 Cancellation by You

You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation will be effective at the end of your current billing period. You will retain access to paid features until the end of the period for which you have paid.

6.2 Termination by Us

We reserve the right to suspend or terminate your account immediately, without prior notice or liability, if:

• You breach any provision of these Terms
• Your payment method fails and is not resolved within a reasonable time
• You engage in fraudulent, illegal, or harmful activities
• We are required to do so by law
• We discontinue the Services

6.3 Effect of Termination

Upon termination, your right to use the Services immediately ceases. We may delete your account data in accordance with our data retention policies. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

7. Acceptable Use Policy

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

• Violate any applicable federal, state, local, or international law or regulation
• Infringe upon the intellectual property rights of others
• Transmit any material that is defamatory, obscene, fraudulent, or otherwise objectionable
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Services or servers/networks connected to the Services
• Attempt to gain unauthorized access to any part of the Services or other systems
• Use any automated system, including bots, scrapers, or spiders, without our express written consent
• Introduce viruses, malware, or other harmful code
• Reverse engineer, decompile, or disassemble any aspect of the Services
• Use the Services to compete with Title Platform
• Resell, sublicense, or provide the Services to third parties without authorization
• Use the Services in a manner that could damage, disable, or impair the Services

We reserve the right to investigate violations and may report illegal activities to law enforcement authorities.

8. Calculator Disclaimer

8.1 Not Professional Advice

Calculator outputs and estimates do NOT constitute and shall not be construed as:

• Legal advice
• Tax advice
• Financial advice
• Real estate advice
• Mortgage or lending advice
• Title insurance advice
• A guarantee of actual closing costs
• A binding quote or offer

8.2 Estimates May Vary

Actual closing costs, fees, taxes, and other expenses may differ significantly from estimates due to:

• Changes in Florida documentary stamp rates or intangible tax rates
• Changes in title insurance premium rates
• Property-specific factors not captured in standard calculations
• Lender-specific fees and requirements
• Recording fees and county-specific charges
• HOA fees, prorations, and other transaction-specific items
• Survey, inspection, and other third-party costs
• Errors or omissions in user-provided information
• Market conditions and timing of the transaction

8.3 User Responsibility

Users of our calculators are solely responsible for:

• Verifying all calculations and estimates with appropriate licensed professionals before relying on them
• Consulting with a licensed title agent, real estate attorney, or other qualified professional for accurate closing cost information
• Confirming all figures with the actual title company handling the transaction
• Understanding that estimates are preliminary and subject to change
• Making their own independent decisions regarding any real estate transaction

8.4 No Guarantee of Accuracy

While we strive to maintain accurate rate information, Title Platform makes no representations, warranties, or guarantees regarding the accuracy, completeness, reliability, or suitability of any calculations, estimates, or information provided through our calculators. Rates and formulas are updated periodically but may not reflect the most current rates at any given time.

8.5 Co-Branded Materials

Co-branded net sheets and materials generated through our platform are the responsibility of the title company or professional whose branding appears on the document. Title Platform is not responsible for how such materials are used, distributed, or relied upon by third parties.

9. Intellectual Property Rights

The Services and all content, features, and functionality (including but not limited to software, code, text, graphics, logos, icons, images, audio clips, data compilations, and the design, selection, and arrangement thereof) are owned by Title Platform, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes. This license does not include the right to:

• Modify, copy, or create derivative works based on the Services
• Reverse engineer, disassemble, or decompile the Services
• Remove any copyright, trademark, or other proprietary notices
• Transfer or sublicense your rights to any third party
• Use the Services for any commercial purpose beyond your own business operations

10. User Content and Data

10.1 Your Content

You retain ownership of all data, information, and content you submit to the Services ("User Content"). By submitting User Content, you grant Title Platform a worldwide, non-exclusive, royalty-free license to use, process, store, and display your User Content solely as necessary to provide the Services to you.

10.2 Data Accuracy

You are solely responsible for the accuracy, quality, and legality of User Content and the means by which you acquire it. You represent and warrant that you have all necessary rights to submit User Content and that such content does not violate any third-party rights.

10.3 Client Data

If you input data about your clients or customers into the Services, you represent that you have obtained all necessary consents and authorizations to share such data and that your use complies with all applicable privacy laws.

10.4 Data Portability

Upon request, we will provide you with an export of your User Content in a standard format. Data export requests should be submitted to support@titleplatform.com.

11. Third-Party Services

The Services may contain links to third-party websites, services, or integrations. These third-party services are not under our control, and we are not responsible for their content, privacy policies, or practices. Your use of third-party services is at your own risk and subject to the terms and conditions of those services.

We may use third-party service providers to help operate our Services, including but not limited to:

• Payment processing services
• Cloud hosting and infrastructure providers
• Analytics and monitoring services
• Email delivery services
• Customer support tools

The inclusion of any third-party link or integration does not imply endorsement or affiliation.

12. Service Availability and Modifications

We strive to maintain high availability but do not guarantee uninterrupted access to the Services. The Services may be temporarily unavailable due to:

• Scheduled maintenance (we will provide reasonable advance notice when possible)
• Emergency repairs or updates
• Factors beyond our control (internet outages, natural disasters, etc.)

We reserve the right to modify, update, or discontinue any features or aspects of the Services at any time without prior notice. We will make reasonable efforts to notify users of material changes to the Services.

13. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, TITLE PLATFORM EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE
• WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT OR INFORMATION PROVIDED THROUGH THE SERVICES
• WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

YOU ACKNOWLEDGE THAT YOU USE THE SERVICES AT YOUR OWN RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK.

14. Limitation of Liability

14.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TITLE PLATFORM, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business
• Loss of data or data breach
• Loss of goodwill or reputation
• Cost of procurement of substitute services
• Business interruption
• Any other intangible losses

THIS APPLIES WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE).

14.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO TITLE PLATFORM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

14.3 Essential Purpose

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

15. Indemnification

You agree to defend, indemnify, and hold harmless Title Platform, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Services
• Your User Content or data you submit through the Services
• Your violation of any third-party rights, including intellectual property or privacy rights
• Your violation of any applicable law or regulation
• Any dispute between you and a third party related to your use of the Services
• Any claim arising from your clients' or customers' use of materials generated through the Services

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

16. Dispute Resolution

16.1 Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

16.2 Informal Resolution

Before initiating any formal dispute resolution procedure, you agree to first contact us at support@titleplatform.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute by contacting you via email. If a dispute is not resolved within thirty (30) days of submission, either party may proceed to formal dispute resolution.

16.3 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Orange County, Florida, unless otherwise agreed by the parties.

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or part of these Terms is void or voidable.

16.4 Class Action Waiver

YOU AND TITLE PLATFORM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and Title Platform agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

16.5 Small Claims Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court if the claim qualifies for small claims court in Orange County, Florida.

16.6 Injunctive Relief

Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Title Platform concerning the Services and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

17.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

17.3 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision.

17.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this Section shall be void.

17.5 Force Majeure

Title Platform shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

17.6 Notices

We may provide notices to you via email, posting on the Services, or other reasonable means. You may provide notice to us by mail to our address below or by email to support@titleplatform.com.

17.7 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights in any individual or entity that is not a party to these Terms.

17.8 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

18. Contact Information

If you have any questions, concerns, or feedback about these Terms of Service, please contact us: