Twellie — AI Output Disclaimer

Last Updated: April 19, 2026 Effective Date: April 19, 2026

This AI Output Disclaimer supplements and is incorporated into our Terms of Service. Defined terms used here have the meanings given in the Terms of Service. By using the Twellie Service, you acknowledge you have read, understood, and agreed to this Disclaimer.

1. What Twellie Is

Twellie is an algorithmic information service that uses artificial intelligence and public data to help consumers explore residential real-estate properties. Our Reports combine:

Public records (county assessor, tax records, recorder of deeds, permit databases);
Third-party data feeds (listings, comparable sales, climate risk, demographics, schools, walkability);
AI-based analysis of property photographs, listing descriptions, and market context;
Proprietary scoring and modeling.

The output — a "Report" — is a computer-generated research tool designed to help you think about a property. It is not a professional opinion.

2. What Twellie Is Not

Twellie is NOT, and no Report may be interpreted as:

A licensed real-estate brokerage service, agent, or salesperson opinion;
A USPAP-compliant appraisal or any "appraisal" within the meaning of federal or state law;
A broker price opinion (BPO) or comparative market analysis (CMA);
A professional home inspection or any engineering / structural / mechanical assessment;
A title search or title insurance commitment;
Legal advice, an attorney-client relationship, or any form of legal counsel;
Financial advice, investment advice, tax advice, or insurance advice;
A mortgage underwriting or lending decision input;
An Automated Valuation Model (AVM) submission for AVM-regulated purposes.

No Report is suitable for, and you may not use any Report for:

Mortgage lending, underwriting, or refinancing;
Property insurance underwriting;
Ad valorem or property-tax appeals;
Litigation, divorce, or probate valuations;
Eminent-domain proceedings;
Investment securities offerings requiring appraisal (Reg D, Reg A, etc.);
Any purpose requiring a licensed valuation under federal, state, or local law.

3. What the AI Can and Cannot Do

3.1 What the AI Does Well (Generally)

Surfaces data from public and licensed sources that might take hours to compile manually;
Highlights patterns (comparable sales, risk exposure, deferred-maintenance indicators);
Provides a structured framework for thinking about a property;
Generates a natural-language summary of structured data.

3.2 Where the AI Frequently Fails

Read this list carefully. These are real, common failure modes — not hypotheticals.

Valuation Errors

Valuations routinely differ from actual sale prices by 10–20%, and sometimes by 30% or more;
Luxury, waterfront, rural, and unique properties — where comps are sparse — have materially wider error bars;
Rapidly changing markets (early 2022, mid-2023, any rate cut) cause the model to lag reality by weeks;
New-construction or recently renovated properties may not have suitable comps.

Data Quality Errors

Square footage is commonly wrong (county records, listing, and MLS often disagree);
Bedroom/bathroom counts may reflect an older configuration;
Lot size may reflect pre-subdivision acreage;
Tax records may be from 1-2 years ago;
Permit records may be incomplete, especially for properties with unpermitted work;
Ownership / title information may be out of date.

Risk Assessment Errors

FEMA flood maps are updated infrequently and miss localized flooding risks;
Wildfire risk based on WUI classification misses many medium-severity zones;
Crime data lags by 1-2 years and reflects reporting patterns, not actual safety;
Climate projections reflect 20-50-year models that may not apply to your holding period.

Photo-Based Condition Errors

Photos are staged and enhanced to look their best. The AI cannot distinguish cosmetic staging from structural soundness;
The AI cannot see inside walls, under floors, behind cabinets, or in crawl spaces;
A "recent renovation" estimate may mistake a fresh coat of paint for a gut remodel;
Electrical, plumbing, HVAC, foundation, and roof issues are invisible in photographs;
Water damage, mold, radon, lead, asbestos, pest infestation, termite damage, structural settlement, sewer-line problems — none of these are detectable from photos;
Wide-angle lenses make rooms look bigger than they are;
Nightshot photos hide exterior condition issues.

Financial Projection Errors

Mortgage payment estimates assume fixed rates and miss points, PMI, escrow, and lender-specific fees;
Cash-on-cash returns don't account for vacancy, capex reserves, or non-passive income tax treatment;
Cap rate assumes stabilized operation;
Rent estimates are based on comps that may be stale, seasonal, or unrepresentative;
Appreciation projections are educated guesses — past performance does not predict future results;
Break-even analysis omits personal circumstances (tax bracket, time horizon, opportunity cost, illiquidity).

Offer Strategy Errors

Opening-offer recommendations are computed from comps and market indicators — not from local listing-agent behavior, which matters enormously;
Walk-away ceilings reflect AI valuation, not your personal strategy, preferences, or competing offers;
Recommended offer terms may violate local customs (earnest money amounts, contingency norms, closing timeline expectations);
Recommendations do not account for multiple-offer dynamics, seller motivations you know about but we don't, or your relationship with a specific agent.

Hallucinations

Large language models sometimes generate fluent, confident text that has no basis in reality:

Nonexistent comparable sales with plausible addresses;
Made-up school rankings, permit records, or amenities;
Incorrect attributions of neighborhood characteristics;
Fabricated historical pricing trends;
Invented citations or sources.

Do not trust any specific fact, figure, address, name, or citation in a Report without independently verifying it.

4. Your Responsibilities

4.1 Independent Verification

Before taking any financial, legal, or contractual action based on a Report, you must independently verify every material fact and figure. At a minimum:

Engage a licensed real-estate agent for a professional CMA;
Commission a licensed appraiser if the decision hinges on precise value;
Hire a licensed home inspector and specialists (structural, pest, sewer, roof, radon, mold) as appropriate;
Obtain a title commitment from a licensed title company;
Consult a real-estate attorney licensed in your state for contract issues;
Consult a licensed insurance agent for insurance quotes and coverage;
Consult a CPA or tax advisor for tax implications;
Verify school data with the state education agency;
Verify flood-zone status with your insurance carrier (not just FEMA maps);
Verify permits and code compliance with the local building department.

4.2 Your Decisions Are Yours

You are the sole decision-maker about whether and how to buy, sell, rent, invest in, renovate, insure, or otherwise act regarding any property. Twellie does not recommend, endorse, or warrant any specific course of action. A Report is an input to your decision, not a substitute for your judgment or professional advice.

4.3 No Reliance for Regulated Purposes

Do not use any Report — and do not permit any third party to use any Report — for any purpose that by law requires a licensed appraisal, a licensed brokerage opinion, or other licensed professional services (see Section 2 above).

5. Specific Limitations

5.1 Jurisdiction-Specific Issues

Real-estate law, custom, and market structure vary dramatically by state and locality. Twellie's generic recommendations may not apply in your jurisdiction. Examples:

Attorney-states (NY, NJ, MA, CT, VT, DE, SC, GA, WV, NC): a closing attorney is customary / required.
Judicial-foreclosure states: distress-sale dynamics differ.
Dual-agency rules: vary by state and affect buyer/seller representation.
Disclosure laws: e.g., California Natural Hazard Disclosure, Texas disclosure form — not specific to our Reports.
Tax treatment: homestead exemptions, transfer taxes, property-tax assessment cycles vary.

Always consult a local licensed professional.

5.2 Time Sensitivity

A Report is a snapshot. Markets move. Interest rates move. Comparable sales get recorded. A Report more than a few weeks old may be materially stale. If the difference between acting and not acting is time, a fresh Report (or a CMA from a local agent) is essential.

5.3 Photograph Assumptions

When you submit photos, we assume:

You have the right to submit them;
They accurately depict the subject property;
They have not been edited to misrepresent condition;
Third parties visible in the photos (neighbors, tenants) have consented to their appearance or are identifiable only incidentally.

If any of these assumptions is wrong, the analysis will be correspondingly off.

6. No Fiduciary, Agency, or Professional Relationship

Using Twellie does not create:

An agency relationship;
A fiduciary duty;
An attorney-client relationship;
A broker-client relationship;
A confidential advisor relationship of any kind;
An employment or joint-venture relationship.

We are a software information provider. Nothing more.

7. How We Improve (Your Data and AI Training)

We use aggregated and de-identified data to improve our models and Service — e.g., comparing AI-estimated values to later actual sale prices, measuring user engagement with Report sections, and fine-tuning prompts.

We do NOT train general-purpose foundation models (e.g., Gemini, Claude) on your identifiable personal data or photographs. Our AI providers have contractual commitments not to use business-API inputs for that purpose. We rely on those commitments.

If you want no part of even the aggregate statistical use, do not use the Service.

8. Safe-Harbor for AI Errors

You agree that:

Twellie is providing information, not advice;
AI systems are known to be imperfect;
You will not rely on AI Output as the sole basis for any material decision;
You will seek independent verification and professional advice before acting;
Where a Report proves inaccurate in a manner that affects you, your sole and exclusive remedy is as provided in our Terms of Service (subject to the liability cap in Section 14 of the Terms);
You will not bring a claim against Twellie, its affiliates, employees, or investors for AI errors except as expressly permitted by our Terms.

9. Reporting an Error

If you find a specific, reproducible error in a Report — especially one that caused or threatens to cause financial harm — please email accuracy@twellie.com with:

The Report ID (shown in the header of every Report);
The specific claim or figure that appears wrong;
The corrected value and your source.

We investigate every report promptly. We will correct model behavior where possible and, in rare cases involving clear errors, may offer refunds or credits at our discretion. Reporting an error does not waive any of your rights under applicable law.

10. Professional Users

If you are a real-estate agent, appraiser, lender, investor, or other professional using the Service in a business capacity, you accept heightened responsibility for the use of Reports in your client-facing or regulated workflows. Specifically:

You are responsible for compliance with your licensing authority's rules on AVM use, advertising, and advice;
Do not provide Reports directly to clients as a substitute for your own professional opinion;
Do not use Reports to replace USPAP-compliant appraisal workflows;
Our liability caps in the Terms apply to professional users in full.

11. Contact

Report an accuracy issue: accuracy@twellie.com
General help: help@twellie.com
Legal: legal@twellie.com