Services Agreement
The terms that govern your use of appraisal-OS. appraisal-OS is a software tool — you, the licensed appraiser, stay in control of your judgment, your report, and your USPAP compliance.
1. Agreement to Terms
This Services Agreement (the "Agreement") is a binding legal contract between you and the entity operating appraisal-OS ("AppraisalOS," "we," "us," or "our") and governs your access to and use of the appraisal-OS software, websites, applications, and related services (collectively, the "Service"). By clicking "I agree" (or any similar button), creating an account, or otherwise accessing or using the Service, you accept this Agreement and represent that you have the authority to bind yourself and, if applicable, the organization on whose behalf you act. If you do not agree, do not access or use the Service. Each time you access the Service you reaffirm your acceptance of the then-current version of this Agreement.
2. Definitions
"Customer" (also "you") means the individual appraiser or organization that accepts this Agreement. "Authorized User" means an individual you permit to use the Service under your account. "Customer Data" means data, content, files, property information, comparable data, narratives, and report materials that you or your Authorized Users submit to or generate within the Service. "AI Features" means features that use machine-learning or generative models to produce suggestions, drafts, narratives, summaries, classifications, or other output. "Output" means content generated by the Service, including AI Features output. "Documentation" means the usage guides and materials we make available for the Service.
3. Description of the Service
appraisal-OS is AI-assisted software for residential real estate appraisers. It provides tools for assembling appraisal data, a redesigned UAD 3.6 / URAR form-filler experience, comparable analysis, narrative and coaching assistance, and structured data export (including MISMO XML). The Service is a software tool only. AppraisalOS does not perform the appraisal, does not act as an appraiser, and does not exercise any professional judgment on your behalf. You — the licensed appraiser — remain solely and exclusively responsible for the appraisal assignment, for your professional judgment, for compliance with the Uniform Standards of Professional Appraisal Practice (USPAP), applicable GSE (e.g., Fannie Mae / Freddie Mac) and regulatory requirements, and for the content, accuracy, and completeness of every report you produce or submit. AppraisalOS does not guarantee that any report will be accepted by the Uniform Collateral Data Portal (UCDP) or any other portal, lender, or reviewer, and does not guarantee the accuracy of any valuation, estimate, or data produced with the help of the Service. Acceptance and valuation outcomes depend on factors outside our control, including your inputs, market conditions, and third-party systems.
4. Eligibility, Accounts & Authorized Users
You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for the accuracy of registration information and for maintaining the confidentiality of your account credentials. You are responsible for all activity occurring under your account and those of your Authorized Users, and you must ensure each Authorized User complies with this Agreement. You must promptly notify us of any unauthorized use of, or access to, your account. We may rely on instructions and actions taken through your account as authorized by you.
5. License to Use the Service
Subject to your compliance with this Agreement and payment of applicable fees, AppraisalOS grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and Documentation during your subscription term, solely for your internal professional appraisal business. All rights not expressly granted are reserved by AppraisalOS.
6. Acceptable Use & Restrictions
You agree not to, and not to permit any Authorized User or third party to: (a) copy, modify, translate, or create derivative works of the Service; (b) reverse engineer, decompile, or disassemble the Service, or attempt to derive its source code, except to the extent such restriction is prohibited by law; (c) rent, lease, sell, sublicense, or provide the Service to third parties as a service bureau or otherwise; (d) access the Service to build a competing product or to benchmark without our written consent; (e) circumvent or disable security, usage limits, or access controls; (f) introduce malware or interfere with the integrity or performance of the Service; (g) scrape or harvest data except through features we provide; or (h) use the Service in violation of applicable law or the rights of others. We may suspend access for conduct that threatens the Service or other customers.
7. Customer Data & Ownership
As between you and AppraisalOS, you own all Customer Data and retain all rights in your appraisal data, reports, and work product. We claim no ownership of your Customer Data. You grant AppraisalOS a limited, non-exclusive, worldwide, royalty-free license to host, copy, transmit, process, display, and otherwise use Customer Data solely as necessary to provide, operate, secure, support, and improve the Service for you and to comply with law. In addition, AppraisalOS may create and use aggregated and de-identified / anonymized data derived from use of the Service (data that does not identify you, any Authorized User, any subject property, or any party to an assignment) for analytics, benchmarking, product development, and operational purposes, including after termination. This license survives only to the extent reasonably necessary to support these de-identified, aggregated uses.
8. AI Features — Important Disclaimer
The Service includes AI Features that generate suggestions, drafts, narratives, classifications, and other Output. AI-generated Output may be inaccurate, incomplete, outdated, or otherwise unsuitable, and may not reflect current market conditions, regulations, or USPAP/GSE requirements. AI Features are an aid to, and are not a substitute for, your professional judgment. You are responsible for independently reviewing, verifying, correcting, and approving all Output before relying on it or including it in any report or submission. You must not treat any Output as a finished appraisal, a valuation conclusion, or professional advice. AppraisalOS makes no representation that Output is fit for any particular assignment or will satisfy any reviewer, lender, portal, or regulator.
9. Confidentiality
Each party may receive non-public information of the other party ("Confidential Information"), which the receiving party will use only to perform under this Agreement and will protect using at least reasonable care. Confidential Information does not include information that is or becomes public through no fault of the receiving party, was already known without a duty of confidentiality, is independently developed, or is rightfully received from a third party. A party may disclose Confidential Information if required by law, provided it gives reasonable notice where permitted. These obligations are in addition to, and do not limit, your independent confidentiality duties to appraisal clients and parties under USPAP and applicable law.
10. Intellectual Property; Feedback
AppraisalOS and its licensors own all right, title, and interest in and to the Service, including the software, models, user interfaces, templates, coaching content, and all related intellectual property, and all improvements to the foregoing. Nothing in this Agreement transfers any such rights to you other than the limited license expressly granted. If you provide suggestions, ideas, or feedback about the Service ("Feedback"), you grant AppraisalOS a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate the Feedback without restriction or obligation to you.
11. Fees & Payment
Fees for the Service are the prices presented to you at the time of signup or order. Unless stated otherwise, subscriptions are billed in advance and automatically renew for successive periods at the then-current rate until cancelled in accordance with the cancellation instructions for your plan. You authorize us and our payment processor to charge your payment method for all applicable fees. Fees are exclusive of taxes, and you are responsible for all applicable taxes, levies, or duties (other than taxes on our net income). Except where required by law, fees are non-refundable and amounts paid are not creditable for partial periods. We may change pricing on prospective renewal terms with notice; continued use after the change takes effect constitutes acceptance of the new pricing.
12. Warranty Disclaimer
THE SERVICE, DOCUMENTATION, AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, APPRAISALOS DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT OUTPUT WILL BE ACCURATE OR COMPLETE, OR THAT ANY REPORT WILL BE ACCEPTED BY UCDP OR ANY PORTAL, LENDER, OR REVIEWER. YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE SERVICE AND FOR YOUR APPRAISAL WORK PRODUCT.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPRAISALOS'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICE WILL NOT EXCEED THE TOTAL AMOUNT OF FEES YOU ACTUALLY PAID TO APPRAISALOS FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITATIONS APPLY TO ALL THEORIES OF LIABILITY AND ARE A FUNDAMENTAL BASIS OF THE BARGAIN. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
14. Indemnification
You will defend, indemnify, and hold harmless AppraisalOS and its affiliates, officers, and employees from and against any third-party claims, damages, and reasonable costs (including reasonable attorneys' fees) arising out of or related to (a) your Customer Data, (b) your or your Authorized Users' use of the Service in violation of this Agreement or applicable law, or (c) your appraisal reports, valuation conclusions, or professional services. AppraisalOS will defend, indemnify, and hold you harmless from and against third-party claims that the Service, as provided by us and used in accordance with this Agreement, infringes that third party's intellectual property rights. The indemnifying party's obligations are conditioned on the indemnified party promptly notifying it of the claim, granting it sole control of the defense and settlement (without settling in a way that admits fault or imposes obligations on the indemnified party without consent), and providing reasonable cooperation.
15. Term, Termination & Suspension
This Agreement begins when you first accept it and continues for as long as you use the Service or have an active subscription. Either party may terminate for the other party's material breach that remains uncured 30 days after written notice. We may suspend or limit the Service immediately if we reasonably believe your use poses a security, legal, or operational risk, or if your fees are past due. Upon termination, your license ends and you must stop using the Service. We will make Customer Data available for export for a reasonable period after termination consistent with our then-current practices, after which we may delete it. Provisions that by their nature should survive (including Sections 7, 10–14, and 18–19) will survive termination.
16. Compliance with Laws & Professional Obligations
Each party will comply with laws applicable to it in connection with this Agreement. You acknowledge that you are independently responsible for compliance with all laws, rules, and professional standards governing your appraisal practice, including USPAP, GSE and investor requirements, state appraiser licensing and certification rules, fair housing and anti-discrimination laws, and applicable lender and client requirements. Use of the Service does not satisfy, reduce, or shift any of those obligations, all of which remain solely yours.
17. Modifications to the Agreement & the Service
We may update this Agreement from time to time. Updated versions are identified by the "Last updated" date and tracked by an internal version stamp. Material changes will be communicated by reasonable means (such as in-product notice or email). Changes take effect when posted (or on a later stated effective date), and your continued use of the Service after that date constitutes acceptance of the updated Agreement. We may also modify, enhance, or discontinue features of the Service over time.
18. Governing Law & Dispute Resolution
This Agreement is governed by the laws of the State of Rhode Island, without regard to its conflict-of-laws rules, and the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Rhode Island for disputes not otherwise required to be resolved as set out in this section. Before filing any formal proceeding, the parties will attempt in good faith to resolve the dispute through informal discussion. The U.N. Convention on Contracts for the International Sale of Goods does not apply. Each party waives any right to a jury trial to the extent permitted by law.
19. Miscellaneous
This Agreement (together with any order, plan terms, and policies referenced at signup) is the entire agreement between the parties regarding the Service and supersedes all prior understandings. If any provision is held unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will remain in effect. You may not assign this Agreement without our prior written consent; we may assign it in connection with a merger, acquisition, or sale of assets. Notices to you may be given in-product or to the email associated with your account; notices to us should be sent to the contact below. Neither party is liable for delays or failures caused by events beyond its reasonable control (force majeure). No failure to enforce any provision is a waiver of it. The parties are independent contractors; this Agreement creates no partnership, agency, or employment relationship.
20. Contact
Questions about this Agreement? Contact bill@appraisal-os.com.