Last Updated: April 19, 2026 Effective Date: April 19, 2026 Version: 2.0
Notice to users: These Terms include a binding arbitration clause and a class-action waiver (Section 17). By accepting these Terms, you agree to resolve disputes with Twellie through individual arbitration rather than in court. Please read those sections carefully.
These Terms of Service (these "Terms") form a legally binding agreement between you ("you," "your," or "User") and Twellie, Inc., a Delaware corporation with its principal place of business at [ADDRESS — INSERT BEFORE LAUNCH], together with its affiliates, successors, and assigns (collectively, "Twellie," "we," "us," or "our").
These Terms govern your access to and use of:
(collectively, the "Service").
By creating an account, clicking "I agree" (or similar), installing the app, or otherwise accessing or using the Service, you represent and warrant that:
If you do not agree with any part of these Terms, do not access or use the Service. Your only remedy for any disagreement is to not use the Service.
The Service is continually evolving. We may add, modify, remove, or discontinue features, pricing plans, third-party integrations, Reports, content, or any other aspect of the Service at any time without liability to you. We will use reasonable efforts to notify you of material changes that reduce the Service's functionality, but are not obligated to do so.
You acknowledge that you have not relied on any statement, promise, representation, or warranty made or given by us or on our behalf that is not set out in these Terms.
"Account" means the user account you create to access the Service.
"Affiliate" means any entity controlling, controlled by, or under common control with Twellie.
"AI Output" or "AI-Generated Content" means any text, number, score, valuation, recommendation, analysis, summary, report, or other output produced in whole or in part by algorithmic, machine-learning, or artificial-intelligence systems, whether operated by Twellie or a third-party provider.
"Content" means all information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials.
"Free Plan" means the version of the Service made available at no cost, subject to monthly report limits and other restrictions.
"Paid Plan" or "Subscription" means any paid tier of the Service (currently Pro and Premium), including any free trial converting into a paid tier.
"Report" means an AI-generated property analysis, including but not limited to: estimated fair market value, comparable sales, risk assessment, condition assessment, neighborhood profile, financial projections, offer strategies, and any related text, scores, or graphics.
"Subject Property" means a residential real-estate property submitted to the Service for analysis.
"User Content" means any content you upload, submit, enter, or otherwise provide to the Service, including property addresses, photographs, documents, buyer profiles, notes, and messages.
You must be at least 18 years of age (or the age of legal majority in your jurisdiction, whichever is higher) and have the legal capacity to enter into binding contracts to use the Service. The Service is not intended for individuals under 18, and we do not knowingly collect information from children. If we discover that a User is under 18, we will terminate their Account and delete their data.
The Service is currently designed for, and offered to, residents of the United States and properties located in the United States. We may restrict access from other jurisdictions at our sole discretion. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws.
To access most features, you must register for an Account. You agree to:
Accounts are personal and non-transferable. You may not sell, lease, sublicense, share, transfer, or otherwise make your Account available to any third party. We reserve the right to suspend Accounts that appear to be shared among multiple individuals.
We reserve the right, but have no obligation, to verify your identity at any time. We may require you to provide additional information (such as proof of address or government-issued identification) to access certain features. Failure to provide requested verification may result in suspension or termination of your Account.
Twellie uses artificial intelligence, machine learning, public records, third-party data feeds, and proprietary algorithms to generate analyses of residential real-estate properties. Reports typically include:
Twellie is a software information service. We are NOT, and nothing in the Service should be interpreted as, any of the following:
We do not provide legal, financial, investment, insurance, appraisal, inspection, or tax advice. Reports are information, not advice. You bear sole responsibility for any decision you make based on the Service, including whether to buy, sell, rent, invest in, renovate, insure, or avoid any property.
We aggregate data from third-party sources including public records (county assessor, recorder of deeds, permit databases), MLS feeds (where licensed), federal and state agencies (FEMA, Census Bureau, FRED, USGS, EPA), private data vendors, user-submitted content, and publicly available listings. We do not guarantee the accuracy, completeness, or currentness of any third-party data.
From time to time we may offer Beta Features — pre-release or experimental functionality. Beta Features are provided "as-is" and "as-available" with no warranty of any kind. We may change or withdraw Beta Features at any time.
We strive for high availability but do not guarantee that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Planned maintenance, emergency maintenance, third-party outages, denial-of-service attacks, and other events may cause downtime.
THIS SECTION IS MATERIAL. By using the Service, you explicitly acknowledge and agree to every statement in this Section 5.
Every Report is a computer-generated estimate based on publicly available data, third-party data feeds, photographs, and algorithms. Reports are NOT:
No Twellie Report may be used for mortgage underwriting, insurance underwriting, tax appeals, judicial proceedings, bank collateral valuation, or any other purpose requiring a licensed valuation.
Artificial intelligence and machine learning systems make errors — sometimes serious ones. Reports may contain:
You are solely responsible for independently verifying every material fact and figure in any Report before taking any action. At a minimum, before relying on a Report for a purchase, sale, rental, insurance, or investment decision, you must:
Twellie owes you no fiduciary duty. We are not your agent, broker, adviser, fiduciary, or representative. Nothing in the Service creates an agency, fiduciary, employment, partnership, or joint-venture relationship between you and Twellie.
Real-estate markets change rapidly. A Report reflects conditions at a single moment. Interest rates, comparable sales, inventory, demand, and demographics can shift meaningfully within days. A Report may be out-of-date by the time you read it.
Photo-based condition assessments rely on visible features in 2D images. They cannot assess:
Photographs lie. Sellers and agents stage, enhance, wide-angle-distort, and otherwise present homes favorably. Any photo-derived assessment may be off by wide margins.
Mortgage payment, cash-flow, cap-rate, cash-on-cash return, rent-vs-buy, appreciation, and other financial projections in Reports are illustrative estimates only. Actual results will differ, often materially, due to interest-rate changes, tax-rate changes, insurance costs, maintenance, vacancy, repairs, HOA assessments, market shifts, personal circumstances, and factors outside our control. Past performance is not indicative of future results. No projected value, return, or outcome is guaranteed.
Nothing in the Service constitutes real-estate brokerage services, legal advice, financial advice, investment advice, insurance advice, tax advice, or any other professional advice. Any information, recommendation, or suggestion is for general informational purposes only. Do not act or refrain from acting based on any Report without first seeking advice from a qualified, licensed professional.
You shall not use the Service, or any Report, for:
You acknowledge you have read and understood this Section 5 in full. You agree that these disclosures are material to our decision to make the Service available to you, and that you would not be permitted to use the Service without agreeing to them.
The Service is offered in tiers, currently:
Current plan limits, features, and pricing are published on the pricing page and are incorporated into these Terms by reference. We may change plans, features, limits, and pricing at any time in our sole discretion, with notice as described in Section 19.
By subscribing to a Paid Plan, you authorize Twellie and its payment processor (Stripe, Inc.) to:
This authorization remains in effect until you cancel (Section 7.1), your Account is terminated, or your payment method can no longer be charged successfully.
Prices displayed on the Service are exclusive of applicable sales, use, value-added, excise, or similar taxes unless expressly stated otherwise. You are responsible for all such taxes except for taxes based on our net income.
We may change Subscription pricing at any time. Price increases take effect at your next renewal after we provide you at least thirty (30) days' advance notice via email. If you do not accept the new pricing, you may cancel before the change takes effect; continued use after the effective date constitutes acceptance.
We may offer free trials or promotional pricing. Unless otherwise stated:
Each plan includes a monthly Report allowance. Once the allowance is exhausted, you may:
We do not issue refunds or credits for unused monthly Reports.
If you dispute a charge with your card issuer (a "chargeback"):
You may cancel your Subscription at any time from the Billing page (https://twellie.com/dashboard) or the Manage Billing link inside your Account. Cancellation:
Seven-day money-back guarantee for first-time subscribers. If you are a first-time subscriber and are not satisfied, email billing@twellie.com within seven (7) days of your first paid charge and we will issue a full refund. This guarantee does not apply to:
Outside the seven-day window, all sales are final and non-refundable, except (a) as expressly stated in writing by us, or (b) as required by law. We are not required to issue refunds for:
If you subscribe to an annual plan, you may cancel at any time but:
Your Subscription automatically renews at the end of each billing period at the then-current standard rate unless cancelled at least one day before the renewal date. California Civil Code § 17602, Colorado SB22-055, and similar laws require that we disclose this to you clearly. You consent to auto-renewal by subscribing.
Upon cancellation you will lose access to paid features at the end of the current billing period. Downgrading to Free Plan preserves your Reports subject to Free-Plan data retention. To permanently delete your data, use the Account Deletion feature (Section 8.5 of the Privacy Policy); cancellation alone does not trigger deletion.
You retain all right, title, and interest in and to the content you submit to the Service, including property addresses, photographs, documents, notes, buyer profiles, and messages ("User Content"). We do not claim ownership of User Content.
To provide the Service you must grant us certain rights in your User Content. You hereby grant Twellie a worldwide, royalty-free, non-exclusive, sublicensable, transferable license to:
This license survives termination of your Account for the limited purpose of retaining and using de-identified, aggregated data as described above, which is no longer attributable to you.
By submitting User Content you represent and warrant that:
Reports generated by the Service are owned by Twellie. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to view, download, and print your own Reports for your personal (or, in the case of a business account, internal business) use in considering a specific real-estate transaction.
You may not:
We respond to valid notices under the Digital Millennium Copyright Act ("DMCA"). If you believe your copyrighted work has been infringed through the Service, send a notice to dmca@twellie.com containing the information required by 17 U.S.C. § 512(c)(3). We may terminate accounts of repeat infringers.
Our Acceptable Use Policy (https://twellie.com/aup) is part of these Terms. Without limiting that Policy, you agree not to:
Do not submit, generate, or attempt to generate through the Service any content that:
Reiterating Section 5.9: do not use the Service or any Report for mortgage underwriting, appraiser-independence-regulated valuations, tax appeals, litigation, insurance underwriting, securities offerings, or any other use requiring licensed professional valuation.
Report abuse or other violations to abuse@twellie.com.
The Service, including all software, source code, algorithms, models, databases, Reports, trademarks, logos, designs, text, graphics, and other materials (excluding User Content), is owned by Twellie or its licensors and is protected by U.S. and international copyright, trademark, trade-secret, and other intellectual-property laws. All rights not expressly granted to you are reserved.
Subject to your compliance with these Terms and payment of all applicable fees, Twellie grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service solely for your personal (or internal business, if a business account) use in connection with residential real-estate decisions you are personally considering.
"Twellie," the Twellie logo, and all product and feature names are trademarks of Twellie. You may not use them without our prior written consent. All other trademarks appearing in the Service belong to their respective owners.
If you submit ideas, suggestions, feature requests, bug reports, or other feedback ("Feedback") about the Service, you hereby grant Twellie a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, modify, and exploit the Feedback for any purpose, without any obligation or compensation to you.
The Service integrates with third-party services, including but not limited to:
Your use of third-party services is governed by their respective terms and privacy policies. Twellie is not responsible for third-party services' availability, accuracy, privacy practices, or content.
Reports and the Service may contain links to third-party websites (e.g. GreatSchools, FEMA flood maps). We provide these for convenience only; we do not endorse and are not responsible for third-party content.
Third-party data may be inaccurate, out-of-date, or incomplete. We do not guarantee, warrant, or make any representation regarding third-party data. Reports depend on third-party inputs and inherit their limitations.
Third-party outages (Supabase, Stripe, AI providers, etc.) may cause Service disruptions. We are not liable for such disruptions, though we will make commercially reasonable efforts to restore Service.
Your use of the Service is also governed by our Privacy Policy (https://twellie.com/privacy), which describes what information we collect, how we use it, with whom we share it, and your rights regarding your personal information. By using the Service you consent to our privacy practices described there.
THE SERVICE, INCLUDING ALL REPORTS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOMEAI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS (THE "HOMEAI PARTIES") DISCLAIM ALL WARRANTIES, INCLUDING ANY WARRANTIES OF:
No advice or information obtained from Twellie creates any warranty not expressly stated in these Terms.
Some jurisdictions do not allow disclaimer of certain implied warranties, so some or all of the above may not apply to you.
Without limiting the above, Twellie makes no warranty or representation regarding any AI Output, including accuracy, reliability, timeliness, non-infringement, suitability for a particular purpose, fitness for any regulated use, or that any AI Output will be free of hallucinations, biases, errors, or omissions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE HOMEAI PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY:
WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHER LEGAL THEORY, AND WHETHER OR NOT HOMEAI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING SECTION 14.1, THE HOMEAI PARTIES' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU ACTUALLY PAID HOMEAI IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
You acknowledge that (a) Twellie could not provide the Service without these limitations, (b) the fees we charge reflect the allocation of risk reflected in these limitations, and (c) these limitations form an essential basis of the bargain.
Some states do not allow the exclusion or limitation of incidental or consequential damages. In those jurisdictions, our liability is limited to the greatest extent permitted by law.
Any claim arising out of or relating to the Service or these Terms must be filed within ONE (1) YEAR after the cause of action accrues, or it is permanently barred.
You agree to indemnify, defend, and hold harmless the Twellie Parties from and against any and all claims, demands, actions, proceedings, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
We may, at our option, assume exclusive control of the defense and settlement of any matter subject to indemnification. You will cooperate fully with our defense, and you will not settle any matter without our prior written consent.
You may delete your Account at any time via https://twellie.com/dashboard.
We may suspend or terminate your Account, in whole or in part, with or without notice, at our sole discretion, including for:
Upon termination:
Before filing any claim, you agree to first contact us at legal@twellie.com with a written description of the dispute and a proposed resolution. We will attempt to resolve the dispute informally within sixty (60) days.
IF INFORMAL RESOLUTION FAILS, YOU AND HOMEAI AGREE TO RESOLVE ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE BY BINDING INDIVIDUAL ARBITRATION, except as provided in Section 17.6.
We will pay the filing and administrative fees in excess of what you would pay to file a claim in court, up to US$5,000, except that you will pay your share if the arbitrator finds your claim was brought in bad faith.
YOU AND HOMEAI 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. If this class-action waiver is held unenforceable, then the entirety of Section 17 is null and void, but the remainder of these Terms survives.
You may opt out of the arbitration provision and class-action waiver by emailing us at legal@twellie.com within thirty (30) days of creating your Account with the subject line "Arbitration Opt-Out" and stating your full name and email. Opt-out applies only to you.
This Section 17 survives termination of these Terms and of your Account.
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except that (a) the Federal Arbitration Act governs the interpretation and enforcement of Section 17, and (b) mandatory consumer-protection laws of your state of residence may apply where they cannot be overridden by contract.
Subject to Section 17, the exclusive jurisdiction and venue for any action not subject to arbitration is the state and federal courts located in New Castle County, Delaware.
We may amend these Terms from time to time. If we make a material change we will:
Continued use of the Service after the effective date constitutes acceptance of the revised Terms. Non-material changes (typo corrections, clarifications, new plan names) may take effect immediately without prior notice.
You consent to receive notices by email at the address associated with your Account, by in-app notifications, or by posting on the Service. Electronic notices satisfy any legal requirement for written notice.
Legal notices to Twellie must be sent by email to legal@twellie.com AND by overnight courier to Twellie, Inc., Attn: Legal Department, [ADDRESS — INSERT BEFORE LAUNCH].
By creating an Account you consent to receive transactional emails. You may opt out of marketing emails via the unsubscribe link.
If you provide a phone number, you consent to receive SMS and phone communications related to the Service. Message and data rates may apply. Reply STOP to opt out.
You represent and warrant that you are not located in, a national of, or ordinarily resident in any country subject to a U.S. embargo (including Cuba, Iran, North Korea, Syria, and the Crimea/Donetsk/Luhansk regions of Ukraine), and are not on any U.S. government restricted-party list. You will not export, re-export, or transfer the Service to any embargoed country or restricted party.
These Terms, together with the Privacy Policy, Acceptable Use Policy, AI Output Disclaimer, and any order form or written agreement signed by both parties, constitute the entire agreement between you and Twellie regarding the Service.
If any provision of these Terms is held invalid or unenforceable, the provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.
Failure to enforce any provision is not a waiver. Any waiver must be in writing and signed by the waiving party.
You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.
These Terms do not create any third-party beneficiary rights.
Neither party is liable for any delay or failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, pandemics, labor disputes, power failures, internet outages, third-party service outages, government actions, and AI model provider outages.
You and Twellie are independent contractors. No partnership, agency, joint venture, or employment relationship is created.
These Terms are written in English. Any translation is provided for convenience; in case of conflict the English version controls.
Ambiguities will not be construed against the drafter.
These Terms may be accepted electronically. You agree that your electronic acceptance has the same effect as your handwritten signature.
Twellie, Inc. [ADDRESS — INSERT BEFORE LAUNCH]
Civil Code § 1789.3. California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or (800) 952-5210.
Auto-Renewal Disclosure. Your Subscription automatically renews until you cancel. You can cancel at https://twellie.com/dashboard. See Sections 6 and 7.
New York real-estate-license law prohibits unlicensed persons from holding themselves out as providing appraisal, brokerage, or agent services. Twellie does not provide such services. Reports are informational only and are not an appraisal, CMA, BPO, or any licensed opinion.
Twellie is not a licensed real-estate broker, sales agent, appraiser, or inspector in Texas or any other state. Reports do not constitute brokerage, appraisal, or inspection services.
No provision of these Terms is intended to limit or waive rights that cannot be limited or waived under Florida's Deceptive and Unfair Trade Practices Act.
If Twellie makes an API available to you (today, only via a separately executed enterprise agreement; future self-serve API tiers would also be subject to these Terms):
A limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access the API solely for purposes authorised by a separate API agreement or by published API documentation.
API keys are confidential credentials. You must: - Keep keys secret; never commit keys to public repositories, ship them in mobile-app binaries, or expose them in client-side JavaScript; - Rotate keys immediately upon suspected compromise; - Tie one set of keys to one identified entity; do not share keys across organisations.
API usage is subject to per-key rate limits, per-endpoint quotas, and overall platform fair-use. We may: - Return 429 Too Many Requests or 403 Forbidden where limits are breached; - Contact you before taking restrictive action where feasible; - Suspend keys used in ways that disrupt the Service for other users.
If you surface API outputs in a user-facing product, include the attribution string "Powered by Twellie" at a visible location, unless a paid agreement expressly waives this requirement.
The API may not be used to scrape the web application or circumvent billing. API outputs may not be resold or re-licensed except as expressly permitted in a written agreement.
Self-serve API access is offered without uptime, latency, or availability guarantees. Enterprise customers with a written agreement receive SLAs as specified therein.
From time to time, Twellie may offer experimental features ("Beta Features") marked as "alpha," "beta," "preview," "early access," or similar. Beta Features:
Any data generated with Beta Features may be deleted when the Beta Feature is withdrawn, unless we indicate otherwise.
If Twellie operates a referral program — where existing users invite friends and earn service credits:
By creating an Account, you consent to receive:
If you provide a phone number and affirmatively opt in: - SMS support or notifications may be sent. Reply STOP to opt out. Message and data rates apply.
We honour the CAN-SPAM Act (15 U.S.C. §§ 7701-7713), TCPA (47 U.S.C. § 227 with FCC rules), and the CASL (Canada's Anti-Spam Legislation) where applicable. If you received a marketing email you did not opt in to, email privacy@twellie.com and we will investigate.
Twellie strives to make the Service usable by people of all abilities. Our current commitments are described in our Accessibility Statement.
If a specific accessibility barrier prevents you from using the Service, email accessibility@twellie.com — we will acknowledge within three business days and work to provide an accessible alternative.
If you use the Service as a licensed real-estate professional (broker, agent, appraiser, lender, attorney, inspector, insurance agent, institutional investor, iBuyer, or similar), you are a Professional User and are subject to the additional terms in our Professional User Addendum, which is incorporated into these Terms by reference. Professional Users assume heightened responsibilities, including not submitting Reports as licensed valuations and indemnifying Twellie against client claims that arise from professional use.
Twellie, Inc. is not a licensed real-estate broker, real-estate agent, real-estate appraiser, home inspector, attorney, financial adviser, investment adviser, mortgage lender, insurance broker, or tax professional. Reports are AI-generated information for general educational purposes only. Do not rely on the Service for any real-estate, financial, legal, or tax decision without consulting qualified, licensed professionals.
© 2026 Twellie, Inc. All rights reserved.