Twellie policy

Terms of Service

Plain-English terms for using Twellie's buyer-side property reports, valuation logic, privacy controls, and support policies.

Twellie — Terms of Service

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.

About These Terms
Definitions
Eligibility and Account Registration
Description of the Service
AI Analysis Disclaimer — READ CAREFULLY
Subscription Plans, Fees, and Billing
Cancellation, Refunds, and Auto-Renewal
User Content and License Grant
Acceptable Use
Intellectual Property Rights
Third-Party Services and Data
Privacy and Data Protection
Disclaimers of Warranties
Limitation of Liability
Indemnification
Account Suspension and Termination
Dispute Resolution, Arbitration, and Class-Action Waiver
Governing Law and Venue
Changes to These Terms
Notices and Electronic Communications
Export Compliance and Sanctions
General Provisions
Contact Information
State-Specific Provisions
API Terms (If Available)
Beta Features
Referral Program
Communications and Marketing Preferences
Accessibility
Special Terms for Professional Users

1. About These Terms

1.1 Agreement

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:

The Twellie Website located at https://twellie.com, https://*.twellie.com, and any related domains we operate;
The Twellie Mobile Applications for iOS and Android;
The Twellie API (if and when made available to you);
Any reports, analyses, summaries, scores, recommendations, or other outputs produced by our service ("Reports");
All other software, services, content, features, documentation, and support made available by Twellie through any medium

(collectively, the "Service").

1.2 Acceptance

By creating an account, clicking "I agree" (or similar), installing the app, or otherwise accessing or using the Service, you represent and warrant that:

You have read, understood, and agree to be bound by these Terms in full;
You have read and acknowledge our Privacy Policy (https://twellie.com/privacy), which is incorporated into these Terms by reference;
You have read and acknowledge our Acceptable Use Policy (https://twellie.com/aup), which is incorporated into these Terms by reference;
You have read and acknowledge our AI Output Disclaimer (https://twellie.com/disclaimer), which is incorporated into these Terms by reference;
You have the legal capacity and authority to enter into these Terms, and, if entering on behalf of a company or other legal entity, that you have authority to bind that entity.

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.

1.3 Changes to 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.

1.4 Reliance

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.

2. Definitions

"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.

3. Eligibility and Account Registration

3.1 Age and Legal Capacity

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.

3.2 Geographic Availability

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.

3.3 Account Registration

To access most features, you must register for an Account. You agree to:

Provide accurate, current, and complete information during registration and to keep that information updated;
Maintain the security of your Account credentials, including your password, and not share them with any other person;
Be solely responsible for all activity that occurs under your Account, whether or not authorized by you;
Notify Twellie immediately of any unauthorized access to or use of your Account at security@twellie.com;
Not create more than one Account for yourself, create an Account on behalf of anyone other than yourself, or create an Account using false or misleading information.

3.4 Account Sharing and Multi-User Access

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.

3.5 Identity Verification

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.

4. Description of the Service

4.1 What We Do

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:

Estimated fair market value and a confidence range;
Identification and weighting of comparable sales;
Neighborhood analysis (schools, crime, demographics, market momentum, walkability);
Climate and environmental risk assessment;
Photo-based condition grading and renovation cost estimates;
Cost-of-ownership modeling;
Offer strategy recommendations (opening offer, target, walk-away ceiling);
Legal and title-related observations;
Executive summary and letter-grade recommendation.

4.2 What We Are Not

Twellie is a software information service. We are NOT, and nothing in the Service should be interpreted as, any of the following:

A licensed real-estate broker, agent, or salesperson;
A licensed real-estate appraiser;
A licensed home inspector, general contractor, or building engineer;
A licensed attorney or law firm;
A registered investment adviser, broker-dealer, or financial planner;
A mortgage lender, loan originator, or credit counselor;
An insurance broker, agent, or advisor;
A title company, escrow agent, or closing service;
A tax advisor, enrolled agent, or CPA.

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.

4.3 Data Sources

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.

4.4 Beta Features

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.

4.5 Service Availability

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.

5. AI Analysis Disclaimer — READ CAREFULLY

THIS SECTION IS MATERIAL. By using the Service, you explicitly acknowledge and agree to every statement in this Section 5.

5.1 AI Outputs Are Estimates, Not Valuations

Every Report is a computer-generated estimate based on publicly available data, third-party data feeds, photographs, and algorithms. Reports are NOT:

A Uniform Standards of Professional Appraisal Practice (USPAP) appraisal;
A broker price opinion (BPO) or comparative market analysis (CMA) performed by a licensed agent;
A professional home inspection;
A title search or title insurance commitment;
Legal advice, financial advice, or investment advice;
A guarantee or warranty of any future market value, rental income, appreciation, risk, condition, or return on investment.

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.

5.2 AI Can Be Wrong

Artificial intelligence and machine learning systems make errors — sometimes serious ones. Reports may contain:

Valuations that are materially too high or too low, including by tens or hundreds of thousands of dollars;
Incorrect or outdated property facts (square footage, bedrooms, year built, lot size, permits, ownership, taxes, liens);
Hallucinated information — plausible-sounding text with no factual basis;
Miscategorized or missing comparable sales, including inappropriate comps, foreclosures treated as arm's-length sales, or family-transfer sales counted;
Inaccurate photo interpretations (e.g. labeling a kitchen as "recently renovated" when it is not);
Incorrect risk assessments (e.g. understating flood, wildfire, earthquake, or environmental risks);
Incomplete legal information (undisclosed liens, easements, zoning issues, code violations, unpermitted work);
Outdated neighborhood data (stale school ratings, prior-year crime data, lagging market momentum);
Wrong offer-strategy recommendations that could cause you to overpay or miss out on a property.

5.3 Your Duty to Verify

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:

Retain a licensed real-estate agent to conduct a comparative market analysis;
Retain a licensed appraiser to perform a USPAP-compliant appraisal if precise value matters (e.g. mortgage, litigation, tax);
Retain a licensed home inspector, and specialized inspectors (structural, pest, mold, radon, sewer, roof, HVAC, electrical) as appropriate;
Review the actual title commitment and any survey from a licensed title company;
Consult a real-estate attorney licensed in the relevant jurisdiction for contract review and title issues;
Consult a licensed insurance agent for flood, hazard, and liability insurance quotes;
Consult a CPA or tax advisor for the tax implications of your transaction;
Verify school, crime, and neighborhood data with the relevant authorities.

5.4 No Fiduciary Duty

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.

5.5 Market Conditions Change

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.

5.6 Photographs and Condition

Photo-based condition assessments rely on visible features in 2D images. They cannot assess:

Structural issues, foundation problems, or settlement;
Electrical wiring, plumbing, or HVAC adequacy;
Hidden water intrusion, mold, or rot;
Pest infestations, termites, or wood-destroying organisms;
Radon, lead, asbestos, or other environmental hazards;
Code compliance, permit status, or unpermitted work;
Functional obsolescence or layout problems;
Noise, odor, or other environmental factors;
Neighborhood nuisances not visible in the frame.

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.

5.7 Financial Projections Are Estimates

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.

5.8 No Real-Estate, Legal, Financial, or Professional Advice

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.

5.9 Prohibited Regulated Uses

You shall not use the Service, or any Report, for:

Mortgage underwriting or lending decisions (violates Dodd-Frank and appraiser-independence rules);
Automated Valuation Model (AVM) submissions under federal or state AVM-quality rules;
Eminent-domain, tax-appeal, divorce, probate, or litigation valuations requiring licensed appraisal;
Insurance underwriting;
Investment securities offerings (Reg D / Reg A / public offerings where USPAP valuation is required);
Financial statements for banks, creditors, or the IRS;
Any purpose where federal, state, or local law requires a licensed appraisal or professional opinion.

5.10 Acknowledgement

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.

6. Subscription Plans, Fees, and Billing

6.1 Plan Tiers

The Service is offered in tiers, currently:

Free Plan: Limited number of Reports per calendar month at no cost.
Pro Plan: Expanded monthly Report allowance, additional features, and billed monthly or annually at the rates posted at https://twellie.com/pricing.
Premium Plan: Higher or unlimited monthly Reports, additional features, and billed monthly or annually at the rates posted at https://twellie.com/pricing.

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.

6.2 Authorization of Recurring Charges

By subscribing to a Paid Plan, you authorize Twellie and its payment processor (Stripe, Inc.) to:

Charge the payment method you provided the subscription fee for the current billing period;
Automatically charge the same payment method for each subsequent billing period (monthly or annual, as selected), at the then-current rate;
Retry failed payments using industry-standard dunning practices;
Update your card details automatically via card network account updaters (Visa Account Updater, Mastercard ABU, etc.) where supported.

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.

6.3 Taxes

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.

6.4 Price Changes

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.

6.5 Free Trials and Promotional Offers

We may offer free trials or promotional pricing. Unless otherwise stated:

Free trials automatically convert to paid Subscriptions at the end of the trial period if not cancelled;
One free trial per User and per payment method;
We may end or modify any promotion at any time;
If you have received a free month, discount, or credit in an abusive pattern (multiple accounts, friends/family signups for you, etc.) we may revoke the benefit and bill the standard rate.

6.6 Usage Limits and Overages

Each plan includes a monthly Report allowance. Once the allowance is exhausted, you may:

Wait until the next billing cycle resets;
Upgrade to a higher tier;
Purchase an a-la-carte Report (if offered).

We do not issue refunds or credits for unused monthly Reports.

6.7 Chargebacks and Disputes

If you dispute a charge with your card issuer (a "chargeback"):

Your Account may be immediately suspended pending resolution;
If the chargeback is found in our favor, we may bar you from creating future Accounts and may recover our costs;
Filing a chargeback instead of first contacting us at billing@twellie.com is a material breach of these Terms.

7. Cancellation, Refunds, and Auto-Renewal

7.1 Cancelling a Subscription

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:

Takes effect at the end of the current billing period. You retain access to paid features until then;
Does not pro-rate or refund the current billing period, except as required by law;
Does not delete your Account — your data is retained per our Privacy Policy unless you additionally delete your Account.

7.2 Refund Policy

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:

Subsequent billing periods;
Users who previously received a refund;
Users we suspect of abuse, automation, or fraud.

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:

Partial months of service used;
Features unavailable due to temporary outages within our commercial SLA;
User decisions not to use the Service after subscribing;
Changes in user needs, life circumstances, or real-estate market conditions;
A Report producing a result you disagree with (see Section 5).

7.3 Annual Plan Cancellation

If you subscribe to an annual plan, you may cancel at any time but:

No pro-rated refund for the unused portion, except for first-time-subscriber refunds under Section 7.2;
You retain access to paid features until the end of the annual term.

7.4 Auto-Renewal Notice (California Residents and Others)

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.

7.5 Effect of Cancellation

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.

8. User Content and License Grant

8.1 Your Content

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.

8.2 License to Twellie

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:

Host, store, reproduce, distribute, modify, adapt, publish, translate, and display your User Content;
Combine your User Content with other data to generate Reports;
Use de-identified and aggregated derivatives of your User Content to improve the Service, train models, publish anonymized market insights, and develop new products;
Share your User Content with our service providers for the limited purpose of operating the Service.

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.

8.3 Representations about User Content

By submitting User Content you represent and warrant that:

You own or have obtained all necessary rights to grant the license in Section 8.2, including any rights of third parties appearing in photographs (e.g. co-owners, tenants, neighbors);
Your User Content does not violate any law or these Terms and does not infringe any third-party right (including copyright, trademark, publicity, or privacy);
Your User Content is not false or misleading in a way designed to manipulate the Service, other users, or any Report;
You have the right to submit the Subject Property's address and any associated photographs for analysis.

8.4 Our Use of AI Outputs

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:

Resell, relicense, redistribute, or commercially exploit any Report;
Use any Report to train a machine-learning model that competes with Twellie;
Strip attribution, disclaimers, or watermarks from any Report;
Reproduce or publish Reports publicly without our prior written consent.

8.5 DMCA Takedown

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.

9. Acceptable Use

Our Acceptable Use Policy (https://twellie.com/aup) is part of these Terms. Without limiting that Policy, you agree not to:

9.1 Security and Integrity

Attempt to gain unauthorized access to the Service, other Accounts, or our infrastructure;
Probe, scan, or test the vulnerability of any system or network without our prior written consent;
Circumvent, disable, or interfere with security-related features;
Introduce malware, viruses, trojans, worms, logic bombs, or other harmful code;
Engage in denial-of-service or similar disruptive activity.

9.2 Automated Access

Scrape, crawl, harvest, or index the Service or Reports using any automated means;
Use the Service to build a competing dataset, product, or model;
Use the Service in a manner that exceeds reasonable volume limits;
Use headless browsers or residential-IP rotation to evade rate limits.

9.3 Content Restrictions

Do not submit, generate, or attempt to generate through the Service any content that:

Is unlawful, threatening, harassing, defamatory, hateful, obscene, invasive of privacy, or otherwise objectionable;
Violates any person's intellectual property, privacy, or publicity rights;
Contains personal information of a third party without their consent;
Attempts to manipulate the AI into producing outputs that bypass our safeguards, reveal our prompts, or violate these Terms.

9.4 Prohibited Regulated Uses

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.

9.5 Abuse Reporting

Report abuse or other violations to abuse@twellie.com.

10. Intellectual Property Rights

10.1 Ownership

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.

10.2 Limited License to Users

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.

10.3 Trademarks

"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.

10.4 Feedback

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.

11. Third-Party Services and Data

11.1 Third-Party Providers

The Service integrates with third-party services, including but not limited to:

Supabase (authentication, database, storage);
Stripe, Inc. (payment processing);
AI business API providers (model inference and synthesis providers);
Resend (transactional email);
Sentry (error monitoring);
Meta / Facebook (analytics and advertising);
Google Analytics 4 (analytics);
OpenStreetMap, Leaflet, Plotly (mapping and visualization);
FEMA, U.S. Census Bureau, Federal Reserve FRED, USGS, EPA (government data);
Property-data vendors (listing, tax, comparable-sales providers) as licensed from time to time.

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.

11.2 Third-Party Links

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.

11.3 Data Source Risk

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.

11.4 Service Provider Outages

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.

12. Privacy and Data Protection

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.

13. Disclaimers of Warranties

13.1 AS-IS Provision

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:

MERCHANTABILITY;
FITNESS FOR A PARTICULAR PURPOSE;
TITLE;
NON-INFRINGEMENT;
ACCURACY, COMPLETENESS, OR CURRENTNESS OF INFORMATION;
UNINTERRUPTED, ERROR-FREE, OR SECURE OPERATION;
FREEDOM FROM VIRUSES OR OTHER HARMFUL COMPONENTS;
THAT ANY PROPERTY, VALUATION, PROJECTION, OR RECOMMENDATION WILL PROVE ACCURATE, PROFITABLE, OR SUITED TO YOUR NEEDS;
THAT THE SERVICE WILL MEET ANY PARTICULAR REQUIREMENT;
AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

13.2 No Endorsement

No advice or information obtained from Twellie creates any warranty not expressly stated in these Terms.

13.3 Jurisdiction-Specific Carve-Outs

Some jurisdictions do not allow disclaimer of certain implied warranties, so some or all of the above may not apply to you.

13.4 AI Specifically

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.

14. Limitation of Liability

14.1 Exclusion of Indirect Damages

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:

INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, REVENUE, BUSINESS, OPPORTUNITY, GOODWILL, DATA, OR USE);
DAMAGES ARISING FROM ANY REAL-ESTATE TRANSACTION YOU DO OR DO NOT UNDERTAKE, INCLUDING OVERPAYMENT, UNDERSALE, FAILED FINANCING, MISSED OPPORTUNITIES, COST OF REPAIRS, INSURANCE SHORTFALLS, TAX LIABILITIES, LOST RENT, OR VACANCY;
DAMAGES ARISING FROM AI ERRORS, HALLUCINATIONS, OMISSIONS, OR INACCURATE OUTPUTS;
DAMAGES ARISING FROM RELIANCE ON ANY REPORT OR RECOMMENDATION;
DAMAGES ARISING FROM THIRD-PARTY DATA, THIRD-PARTY LINKS, OR THIRD-PARTY SERVICE INTERRUPTIONS;
DAMAGES ARISING FROM SERVICE INTERRUPTIONS, OUTAGES, OR SECURITY INCIDENTS;
DAMAGES ARISING FROM USER CONTENT OR FROM THE ACTIONS OF OTHER USERS OR THIRD PARTIES;

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.

14.2 Aggregate Cap

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).

14.3 Essential Basis of the Bargain

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.

14.4 Consumer-Rights Jurisdictions

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.

14.5 Claim Filing Deadline

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.

15. Indemnification

15.1 Your Indemnity to Twellie

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:

Your access to or use of the Service;
Your User Content;
Your violation of these Terms;
Your violation of any law or regulation;
Your violation of any third-party right (including intellectual-property, privacy, and publicity rights);
Any real-estate transaction you pursued, declined, or declined to investigate based in whole or in part on a Report;
Your reliance on any AI Output;
Any willful misconduct or gross negligence by you.

15.2 Our Control

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.

16. Account Suspension and Termination

16.1 By You

You may delete your Account at any time via https://twellie.com/dashboard.

16.2 By Twellie

We may suspend or terminate your Account, in whole or in part, with or without notice, at our sole discretion, including for:

Breach of these Terms or our Acceptable Use Policy;
Fraud, abuse, scraping, security violations, or excessive usage;
Chargebacks or non-payment;
A request from law enforcement, government, or court order;
Extended inactivity (no login for 12+ months, following email notice);
Risk to our Service, our infrastructure, or other users;
Business reasons, including discontinuation of the Service.

16.3 Effect of Termination

Upon termination:

Your license to use the Service ends immediately;
We may retain your data for legal-hold, billing, or regulatory purposes;
We will not refund any pre-paid fees, except as required by law;
Sections 5, 8, 10, 11.3, 13, 14, 15, 17, 18, and 22 survive termination.

17. Dispute Resolution, Arbitration, and Class-Action Waiver

17.1 Informal Resolution First

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.

17.2 Binding Individual Arbitration

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.

17.3 Arbitration Rules and Forum

Arbitration administered by JAMS under its Consumer Minimum Standards and Streamlined Arbitration Rules;
Held in Wilmington, Delaware, except that for claims under US$10,000 you may elect telephonic or video arbitration;
Conducted in English;
Arbitrator's decision is final and binding, subject only to review under the Federal Arbitration Act.

17.4 Arbitration Fees

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.

17.5 CLASS-ACTION WAIVER

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.

17.6 Exceptions

Either party may bring claims in small-claims court if they qualify;
Either party may seek injunctive or equitable relief in court to stop unauthorized use of intellectual property, confidential information, or security breaches;
Claims may be brought in court if required by applicable non-waivable consumer law.

17.7 Opt-Out Right

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.

17.8 Survival

This Section 17 survives termination of these Terms and of your Account.

18. Governing Law and Venue

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.

19. Changes to These Terms

We may amend these Terms from time to time. If we make a material change we will:

Post the revised Terms at https://twellie.com/terms with a new "Last Updated" date;
Send a notification to the email associated with your Account at least thirty (30) days before the change takes effect, where feasible;
Require affirmative re-acceptance where required by law.

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.

20. Notices and Electronic Communications

20.1 Notices to You

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.

20.2 Notices to Twellie

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].

20.3 Marketing Communications

By creating an Account you consent to receive transactional emails. You may opt out of marketing emails via the unsubscribe link.

20.4 SMS and Phone

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.

21. Export Compliance and Sanctions

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.

22. General Provisions

22.1 Entire Agreement

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.

22.2 Severability

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.

22.3 Waiver

Failure to enforce any provision is not a waiver. Any waiver must be in writing and signed by the waiving party.

22.4 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.

22.5 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

22.6 Force Majeure

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.

22.7 Independent Contractors

You and Twellie are independent contractors. No partnership, agency, joint venture, or employment relationship is created.

22.8 Language

These Terms are written in English. Any translation is provided for convenience; in case of conflict the English version controls.

22.9 Interpretation

Ambiguities will not be construed against the drafter.

22.10 Electronic Signatures

These Terms may be accepted electronically. You agree that your electronic acceptance has the same effect as your handwritten signature.

23. Contact Information

Twellie, Inc. [ADDRESS — INSERT BEFORE LAUNCH]

General inquiries: help@twellie.com
Privacy requests: privacy@twellie.com
Security issues: security@twellie.com
Billing: billing@twellie.com
Legal notices: legal@twellie.com
DMCA takedown: dmca@twellie.com
Abuse reporting: abuse@twellie.com

24. State-Specific Provisions

24.1 California Residents

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.

24.2 New York Residents

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.

24.3 Texas Residents

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.

24.4 Florida Residents

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.

25. API Terms (If Available)

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):

25.1 License Grant

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.

25.2 API Keys

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.

25.3 Rate Limits and Fair Use

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.

25.4 Attribution

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.

25.5 No Scraping or Resale

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.

25.6 No SLA Without Contract

Self-serve API access is offered without uptime, latency, or availability guarantees. Enterprise customers with a written agreement receive SLAs as specified therein.

26. Beta Features

From time to time, Twellie may offer experimental features ("Beta Features") marked as "alpha," "beta," "preview," "early access," or similar. Beta Features:

Are provided "as-is" and "as-available" with no warranty beyond the general Section 13 disclaimers;
May change or be removed at any time without notice;
May produce unreliable or unexpected results;
Are not supported at the same level as generally-available features;
May be subject to separate Beta Terms displayed when you opt in.

Any data generated with Beta Features may be deleted when the Beta Feature is withdrawn, unless we indicate otherwise.

27. Referral Program

If Twellie operates a referral program — where existing users invite friends and earn service credits:

One referral credit per new paying subscriber (uniquely identified by email AND payment method).
Credits have no cash value and are not transferable or redeemable for cash.
Credits expire twelve (12) months after issue unless extended.
Twellie reserves the right to void credits earned through fraud, self-referral, multi-account rings, or incentivised sign-ups that would violate FTC endorsement rules.
Referral emails/messages must accurately describe the Service and must not make false or misleading claims. The referring user is responsible for their own compliance with CAN-SPAM, TCPA, and similar laws.
Twellie may modify or terminate the referral program at any time; outstanding credits remain valid through their expiry.

28. Communications and Marketing Preferences

By creating an Account, you consent to receive:

Transactional emails (receipts, security alerts, report-ready, password reset, legal notices) — these are required to operate your Account and cannot be opted out of while the Account is active;
Service announcements (feature releases, scheduled maintenance, material changes to Terms or Privacy) — opt-out available but not recommended;
Marketing emails (product tips, offers, newsletters) — opt-out at any time via the unsubscribe link in any marketing email.

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.

29. Accessibility

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.

30. Special Terms for Professional Users

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.