Terms of Service

1. Acceptance of these terms

These Terms of Service (the “Terms”) are a binding agreement between REI Boss, Inc., a Delaware corporation (“REI Boss,” “we,” “us”), and the entity or person who creates an account, submits a form, or uses our website, software, or services (“Client,” “you”). You accept these Terms when you click “I Agree,” “Create Account,” or a similar button presented next to a link to these Terms, when you sign an order form or proposal that references these Terms, or when you access or use the Services. If you do not agree, do not use the Services. We may require you to re-accept updated Terms before continued use, and we retain records of your acceptance, including the version, date, and account.

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

2. Eligibility and authority

You represent and warrant that: (a) you are at least 18 years old; (b) you are using the Services for business or commercial purposes and not as a consumer for personal, family, or household purposes; and (c) if you accept these Terms on behalf of a company or other legal entity, you have full legal authority to bind that entity, in which case “Client” and “you” mean that entity. The Services are intended for U.S.-based real estate investors and operators and are not directed to individuals located outside the United States or to children.

3. The Services

REI Boss provides administrative, operational, and back-office support services and informational software tools to real estate investors and operators. REI Boss performs these services solely at your direction and on your behalf, as your administrative agent for ministerial and coordination tasks. REI Boss does not act for its own account, does not take title to or hold any interest in your properties, loans, notes, or funds, and does not represent any party to any transaction. The Services include, without limitation:

• done-for-you back-office operational and administrative support for creative-finance real estate transactions, including contract-to-close coordination, document chasing, and coordination with title, insurance, utilities, and loan-servicing providers;
• a software dashboard;
• informational “deal read” assessments delivered as a green / yellow / red indicator; and
• portfolio monitoring of records you provide (notes you hold, underlying mortgages you owe, insurance, and taxes).

Timelines such as the 48-hour deal-read window are targets, not commitments. You agree to provide accurate information and timely access to the accounts, documents, and third-party platforms reasonably necessary for us to perform. Paid back-office services may be governed by a separate Master Services Agreement and one or more Order Forms or Statements of Work that describe the specific services, fees, and timelines; if there is a conflict, the signed Order Form or Master Services Agreement controls for the services it covers.

4. Important disclaimers and your responsibilities

4.1 Not professional advice; not a licensed provider

REI Boss provides administrative and operational support and informational software only. REI Boss is not a law firm, accounting or tax adviser, licensed real estate broker or agent, mortgage lender, originator, or servicer, escrow or title agent, licensed insurance producer, investment adviser, or broker-dealer, and provides none of those services. The Services — including deal reads, monitoring outputs, dashboard content, and any AI-assisted output — are administrative, operational, and informational only and are not legal, tax, accounting, brokerage, lending, escrow, insurance, securities, investment, or other professional advice. REI Boss does not perform any service that requires a professional license.

4.2 Not a law firm; no legal advice

REI Boss is not a law firm and is not engaged in the practice of law. No REI Boss personnel act as your attorney, and no attorney-client relationship is formed by use of the Services. REI Boss does not draft, select, or advise on the legal sufficiency of contracts, deeds, notes, trusts, or other instruments, and does not opine on your legal rights, obligations, or risks. Any document handling is ministerial and administrative only. You are solely responsible for obtaining independent legal advice from a licensed attorney of your choosing before entering into any transaction or structure.

4.3 Not a CPA or tax adviser

REI Boss is not a certified public accounting firm and does not provide accounting, audit, or tax advice or tax-return preparation. Financial figures, ledgers, and reports presented through the Services are organized for your administrative convenience, are derived from data you or your vendors supply, and are not verified, audited, or warranted as accurate. You are solely responsible for engaging a licensed CPA or tax professional and for all tax positions and filings.

4.4 Not a real estate broker or agent

REI Boss is not a licensed real estate broker or salesperson and does not perform real estate brokerage activities. REI Boss does not list, market, show, appraise, solicit, negotiate, or effect the purchase, sale, exchange, lease, or rental of real property for you or any other person, does not represent you or any counterparty as agent in any transaction, and does not receive any commission or transaction-based compensation. All negotiation and decision-making in any transaction is performed by you and your licensed professionals.

4.5 Not a lender, loan originator, or mortgage servicer

REI Boss is not a mortgage lender, mortgage broker, or mortgage loan originator as defined by the federal SAFE Act (12 U.S.C. § 5101 et seq.) or any state law. REI Boss does not originate, fund, offer, or negotiate the terms of any loan, does not take loan applications, and is not compensated for any such activity. REI Boss is not a mortgage servicer and does not service loans: it does not collect, hold, or apply loan payments, escrow, or other funds for its own account; does not hold mortgage servicing rights; is not the servicer of record for any loan; and does not make collection, default, loss-mitigation, foreclosure, or other servicing decisions affecting any borrower. Any “monitoring” or “servicing handoff” consists solely of administrative coordination performed on your behalf and at your direction — assembling information and facilitating transfer of servicing to a duly licensed third-party servicer you select. You are solely responsible for ensuring that all loan origination and servicing activity related to your notes and obligations is performed by appropriately licensed persons in compliance with the SAFE Act, the Truth in Lending Act / Regulation Z, RESPA / Regulation X, and all applicable state lending and servicing laws.

4.6 Not an escrow agent

REI Boss is not a licensed escrow, title, or settlement agent. REI Boss does not hold, escrow, disburse, or have signatory authority over your funds or the funds of any third party, and does not perform closing or settlement functions. Escrow and settlement are performed by independent, appropriately licensed providers you engage.

4.7 Not an insurance agent

REI Boss is not a licensed insurance producer, agent, or broker. REI Boss does not sell, solicit, negotiate, bind, or advise on insurance coverage, adequacy, or claims. Any insurance-related Services are limited to administratively tracking policy information you supply and coordinating, at your direction, with your own licensed insurance agent. You are solely responsible for obtaining and maintaining adequate insurance and for all coverage decisions.

4.8 Not an investment adviser or broker-dealer; no securities advice

REI Boss is not a registered investment adviser, broker-dealer, or securities professional, and does not provide investment advice or recommendations. REI Boss does not advise on whether any note, owner-financing arrangement, or other instrument is or is not a “security,” does not value, structure, recommend, offer, sell, or solicit any security or investment, and does not facilitate any securities offering. You acknowledge that owner-financed notes, mortgage notes, and similar instruments may constitute securities under federal or state law (see, e.g., Reves v. Ernst & Young, 494 U.S. 56 (1990)), and that any “investor report” or note-monitoring feature is an informational, administrative tool only. You are solely responsible for determining the securities-law status of your instruments and for compliance, in consultation with your own securities counsel.

4.9 Deal reads are informational only

Any deal assessment, including the 48-hour green / yellow / red “deal read,” is provided for general informational and administrative-organization purposes only. It is not legal, tax, financial, investment, brokerage, appraisal, title, or insurance advice; it is not a recommendation to enter into, decline, or structure any transaction; it is not an appraisal or valuation; it is not a title, lien, or insurability opinion; and it is not a guarantee, warranty, or prediction of any outcome. A green, yellow, or red indicator reflects only REI Boss’s administrative review of information you supplied and does not assure that any deal is sound, legal, profitable, financeable, insurable, or marketable. You are solely responsible for independently verifying all information and for all decisions, and should obtain advice from licensed professionals before acting.

4.10 No guarantees

REI Boss does not guarantee or warrant any result, including any profit, return, appreciation, cash flow, financing, loan approval, clear or marketable title, insurability, tenant placement, or successful closing. Real estate and creative-finance investing involve substantial risk, including total loss. Any examples, illustrations, or past results are not a promise or prediction of future performance. Your results depend on factors outside REI Boss’s control, and you assume all investment and transaction risk.

4.11 Subject-to and due-on-sale acknowledgment

You acknowledge that “subject-to” and similar transfers may violate a “due-on-sale” clause in the underlying loan, and that under the Garn–St Germain Depository Institutions Act (12 U.S.C. § 1701j-3) the lender may, at its option, declare the entire loan balance immediately due and payable (acceleration) upon such a transfer, except in limited statutory circumstances that generally do not apply to investor acquisitions. You assume all risk arising from due-on-sale enforcement and from any creative-finance structure, including acceleration, foreclosure, default, and related damages. REI Boss does not advise on, and is not responsible for, whether any structure triggers or avoids a due-on-sale clause.

4.12 Your responsibility for your structures, disclosures, and compliance

You are solely responsible for selecting, structuring, documenting, and executing your own transactions and creative-finance arrangements (including subject-to, wraparound, owner-financing / seller-financing, and lease-option structures), and for the legality and enforceability of each. You represent that you will obtain independent legal, tax, securities, and other professional advice from appropriately licensed advisers before entering into any transaction. You are solely responsible for making all disclosures required by law to your buyers, sellers, borrowers, tenants, and other counterparties, and for complying with all applicable federal, state, and local laws — including real estate licensing, lending and servicing, securities, insurance, fair-housing, fair-debt-collection, privacy, and consumer-protection laws. REI Boss’s administrative assistance does not constitute approval, endorsement, or a representation that any structure is lawful or advisable.

4.13 Acknowledgment

You acknowledge that you have read and understood this Section 4, that you have not relied on any representation by REI Boss outside these Terms, and that these disclaimers and the allocation of responsibility in them are a material part of the bargain. Nothing in this section limits liability for fraud or intentional misconduct where such limitation is prohibited by law.

5. Accounts and security

To use the dashboard you must register an account with accurate, current, and complete information and keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account, whether or not authorized by you. You will use commercially reasonable measures to secure your credentials, will not share them, and will notify us promptly at security@reiboss.ai if you suspect any unauthorized access or use. We may suspend access to protect the integrity or security of the Services or to address suspected unauthorized use.

6. Your data and content

(a) Ownership

As between the parties, you own all data, documents, and records you or your authorized users submit to the Services or that we process on your behalf (“Client Data”), including financial, property, loan, ledger, escrow, insurance, tenant, and lease information.

(b) License to us

You grant REI Boss a non-exclusive, worldwide, royalty-free license to host, copy, transmit, process, display, and otherwise use Client Data, and to share it with our sub-processors, solely to provide, maintain, secure, and improve the Services and as otherwise permitted by these Terms and our Privacy Policy. We may use de-identified and aggregated data that does not identify you or any individual for any lawful business purpose.

(c) Information about third parties

Client Data includes information about third parties such as your borrowers, note-payors, sellers, and tenants. You represent and warrant that you have all rights, permissions, and consents necessary to provide that information to us and to authorize our processing of it under these Terms, that you have made any privacy disclosures those individuals are owed, and that doing so does not violate any law or obligation you owe to those individuals. You are the controller of that information; REI Boss processes it on your behalf and at your direction.

(d) Accuracy

You are responsible for the accuracy, quality, and legality of Client Data and the means by which you acquired it.

7. Bank-account connections (Plaid)

If you connect a financial account, you authorize us and our service provider Plaid Inc. to access and periodically refresh information from that account to provide the Services. Plaid’s handling of your information is governed by Plaid’s End User Privacy Policy at plaid.com/legal, and you authorize Plaid to access and transmit your information as described there. We use any nonpublic personal financial information only to provide the Services and as described in our Privacy Policy. We do not sell this information. Account data is provided by third parties; we do not control and cannot guarantee its accuracy, completeness, or availability, and connectivity may be interrupted by the financial institution or aggregator. You represent that you have all rights and consents needed to connect any account, and you may disconnect a linked account at any time.

8. Fees and payment

(a) Fees. You will pay the fees stated in the applicable order form, proposal, or pricing page (“Fees”). Onboarding, subscription, and per-deal Fees are described in your order.

(b) Subscriptions and automatic renewal. If your plan is a recurring subscription, subscription Fees are billed in advance and your plan automatically renews for successive periods at the then-current rate until you cancel, and we will charge the payment method on file at the start of each term. Before you are charged, we will disclose the price, billing frequency, the fact that the plan auto-renews, and how to cancel, and we will obtain your affirmative consent to those recurring-charge terms. You can cancel at any time before a renewal through your account or by contacting us, using a method at least as simple as how you signed up; cancellation stops future charges and you keep access through the end of the paid term.

(c) Deposits and refunds. Any deposit is applied to Fees as stated in your order and is refundable or non-refundable as specified there. Except as expressly stated in an order or required by law, Fees and deposits are non-refundable and are not prorated on cancellation.

(d) Taxes and late amounts. Fees are exclusive of taxes, which you are responsible for (other than taxes on our income). Overdue amounts may accrue interest at the lower of 1.5% per month or the maximum allowed by law, and we may suspend the Services for non-payment after notice.

9. Acceptable use

You will not, and will not permit any user to: (a) use the Services in violation of any law or third-party right, or in connection with any transaction you are not legally permitted to enter; (b) upload unlawful, infringing, or malicious content; (c) attempt to access, probe, or disrupt the Services or other accounts, reverse engineer the Services, or circumvent usage limits or security; (d) use the Services to send communications without all consents required by law; or (e) rely on any output as professional advice contrary to Section 4. You are responsible for evaluating all outputs, including informational deal reads and any AI-assisted output, and for applying appropriate human review before acting on them.

10. Outbound communications and consent

Where REI Boss contacts you, it does so based on the consent you provided, and you may opt out at any time as described in our Privacy Policy. Where you instruct REI Boss to contact third parties on your behalf (for example, your sellers, borrowers, note-payors, or tenants), you represent and warrant that you have obtained all consents and provided all disclosures required by the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, applicable Do-Not-Call rules, the CAN-SPAM Act, and state communications laws, and you will defend and indemnify REI Boss against any claim arising from communications you direct it to make. You are likewise responsible for obtaining all consents required for any contact information you load into our communications tools.

11. Intellectual property; feedback

(a) Ownership. REI Boss and its licensors own all right, title, and interest in and to the Services, including the dashboard, software, deal-read methodology, scoring, templates, workflows, documentation, and all related intellectual property and improvements. Except for the limited right to use the Services under these Terms, no rights are granted to you by implication, estoppel, or otherwise.

(b) Feedback. If you give us suggestions, ideas, or feedback about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate it without restriction or obligation to you.

12. Confidentiality

Each party (as “Recipient”) will protect the other party’s non-public information disclosed in connection with the Services (“Confidential Information”) using at least reasonable care, will use it only to perform under or use the Services, and will not disclose it except to personnel and sub-processors who need it and are bound by similar obligations. Confidential Information does not include information that is public through no fault of Recipient, was lawfully known before disclosure, is independently developed, or is rightfully received from a third party. Recipient may disclose Confidential Information if legally compelled, giving reasonable prior notice where lawful. Client Data is your Confidential Information; the Services and our non-public pricing and methodology are our Confidential Information.

13. Third-party services

The Services rely on, and may interoperate with, third-party services (such as hosting, CRM and messaging, banking-data connectivity, and AI providers) and with platforms you connect. We are not responsible for third-party services, their availability, or their acts or omissions, and your use of them may be subject to their own terms. Your authorization for us to access a platform on your behalf is your representation that you are permitted to grant that access.

14. Suspension; term and termination

(a) Term. These Terms apply while you have an account or use the Services. (b) Termination. Either party may terminate for convenience on 30 days’ written notice. Either party may terminate immediately for the other’s material breach not cured within 15 days of notice. We may suspend or terminate immediately for non-payment, a security or legal risk, or a violation of Section 9. (c) Effect. On termination, your right to use the Services ends and any outstanding Fees become due. For 30 days after termination, you may request export of your Client Data in a commercially reasonable format. After that period, we may delete Client Data in the ordinary course, except for copies retained in backups or as required by law, which we will continue to protect under these Terms. (d) Servicing and third-party handoffs in progress are your responsibility to complete or redirect.

15. Disclaimer of warranties

THE SERVICES, INCLUDING THE DASHBOARD, DEAL READS, MONITORING OUTPUTS, AND ANY AI-ASSISTED OUTPUT, ARE PROVIDED “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, REI BOSS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. REI BOSS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY OUTPUT, DEAL READ, OR AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE. ANY OUTPUT MAY CONTAIN ERRORS AND MUST BE INDEPENDENTLY VERIFIED BEFORE YOU RELY ON IT. NO ADVICE OR INFORMATION OBTAINED FROM REI BOSS CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST OR INACCURATE DATA, LOST BUSINESS, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. (b) EACH PARTY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE TOTAL FEES YOU PAID TO REI BOSS IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY.

The limitations above do not apply to your payment obligations, your indemnification obligations under Section 17, either party’s breach of confidentiality, or liability that cannot be limited or excluded under applicable law (including liability for gross negligence, willful misconduct, or fraud where such limitation is prohibited). These limitations apply regardless of the theory of liability and are an essential basis of the bargain.

17. Indemnification

You will defend, indemnify, and hold harmless REI Boss and its directors, officers, employees, contractors, and agents from and against any third-party claim, and any resulting losses, damages, liabilities, penalties, and reasonable attorneys’ fees, arising out of or related to: (a) your real estate transactions, financing structures, notes, properties, or servicing arrangements; (b) Client Data, including any claim that your provision of borrower, tenant, or other third-party data, or our processing of it as authorized by you, infringed, misappropriated, or violated any right or any law; (c) your violation of any law or regulation, including real estate licensing, lending, securities, insurance, fair-housing, tax, or communications / TCPA laws; (d) your breach of these Terms, including Sections 6, 9, 10, and the eligibility representations; or (e) your reliance on any informational output contrary to Section 4. We will promptly notify you of the claim, give you control of the defense (with our right to participate with our own counsel), and reasonably cooperate; you will not settle any claim that imposes liability or an admission on us without our consent.

18. Dispute resolution; arbitration

(a) Informal resolution. Before starting an arbitration, the parties will try in good faith to resolve any dispute by contacting the other at legal@reiboss.ai (for REI Boss) and the email on your account (for you), and conferring for at least 30 days.

(b) Binding arbitration. Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, by a single arbitrator, seated in Texas, and governed by the Federal Arbitration Act. Judgment on the award may be entered in any court of competent jurisdiction. The parties knowingly waive the right to a trial by jury.

(c) Class-action waiver. You and REI Boss agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any class or representative proceeding. If this waiver is found unenforceable, the entire arbitration provision is void as to the affected claim.

(d) Small-claims and injunctive relief. Either party may bring an individual claim in small-claims court if it qualifies and stays in that court, and either party may seek injunctive or equitable relief in court to protect intellectual property or confidential information.

(e) 30-day opt-out. You may reject this Section 18 by emailing legal@reiboss.ai within 30 days of first accepting these Terms, stating your name, account, and intent to opt out of arbitration. Opting out does not affect any other part of these Terms or your service.

(f) Coordinated claims. If 25 or more similar arbitration demands are filed by or with coordinated counsel, the demands will be administered as a single coordinated proceeding using bellwether cases and global mediation, with limitations periods tolled for non-bellwether claimants and filing fees staged as claims proceed.

19. Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Subject to Section 18, the state and federal courts located in Texas have exclusive jurisdiction over any dispute not subject to arbitration, and the parties consent to personal jurisdiction and venue there.

20. Changes to these terms

We may update these Terms from time to time. If a change is material, we will give you reasonable notice (for example, by email or an in-product notice) before it takes effect and will update the “Last updated” date. For material changes affecting paid Services, we may require you to re-accept the updated Terms; otherwise, your continued use after the effective date constitutes acceptance. If you do not agree to a change, your remedy is to stop using the Services and terminate under Section 14.

21. General

(a) Notices. Notices to you may be sent to the email on your account; notices to us must go to legal@reiboss.ai and REI Boss, Inc., 16192 Coastal Highway, Lewes, DE 19958. (b) Assignment. You may not assign these Terms without our consent; we may assign to an affiliate or in connection with a merger, financing, or sale of assets. (c) Force majeure. Neither party is liable for delay or failure (other than payment) due to causes beyond its reasonable control, including outages of third-party services such as hosting, CRM, banking-data, or AI providers. (d) Severability. If any provision is unenforceable, it will be limited to the minimum extent necessary and the rest remains in effect. (e) Entire agreement. These Terms, the Privacy Policy, and any order form or Master Services Agreement are the entire agreement and supersede prior understandings; any conflicting terms in your purchase documents are rejected. (f) No waiver; independent contractors. A failure to enforce a provision is not a waiver, and the parties are independent contractors. (g) Survival. Sections 4, 6(a)–(c), 8, 11, 12, 15, 16, 17, 18, 19, and 21 survive termination.

22. How to contact us

REI Boss, Inc.
Legal: legal@reiboss.ai
Mailing address: 16192 Coastal Highway, Lewes, DE 19958