Terms of Service

1. Acceptance of Terms

By accessing or using the Appraisal Host website and software platform (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

These Terms constitute a legally binding agreement between you (either as an individual or on behalf of an entity) and Appraisal Host. By clicking "I Accept," creating an account, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Description of Services

Appraisal Host provides cloud-based appraisal management software designed for Appraisal Management Companies (AMCs), mortgage lenders, banks, and appraisal companies. Our platform includes:

• Order Management: Tools for creating, tracking, and managing appraisal orders throughout the entire lifecycle.
• Appraiser Panel Management: Credential tracking, coverage area mapping, and automated assignment capabilities.
• Compliance Tools: AIR (Appraiser Independence Requirements) enforcement, USPAP tracking, and audit trail maintenance.
• LOS Integration: Bi-directional data sync with loan origination systems including Encompass, Calyx Point, and BytePro.
• GSE Portal Integration: Automated submission to Fannie Mae, Freddie Mac, and FHA through Veros and Bradford Technologies.
• Reporting and Analytics: Customizable reports, turn time analysis, and performance metrics.
• Mobile Applications: iOS and Android apps for field appraisers.
• API Access: REST API for custom integrations and workflow automation.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable notice to users for material changes.

3. User Accounts

To access the Service, you must create an account. You are responsible for:

• Account Security: Maintaining the confidentiality of your account credentials, including username and password.
• Account Activity: All activities that occur under your account, whether authorized or unauthorized.
• Unauthorized Access: Notifying us immediately at if you suspect unauthorized use of your account.
• Accurate Information: Ensuring that your account information, including contact details and billing information, is accurate and up-to-date.
• User Management: Managing user permissions and access levels for your organization's account.

You may not share your account credentials with others or allow multiple users to access a single account unless permitted by your subscription plan. We reserve the right to suspend or terminate accounts that violate this policy.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable federal, state, local, or international laws or regulations.
• Infringe upon the intellectual property rights, privacy rights, or other rights of others.
• Transmit harmful, offensive, defamatory, or inappropriate content.
• Attempt to gain unauthorized access to our systems, networks, or other users' accounts.
• Interfere with or disrupt the Service, servers, or networks connected to the Service.
• Use the Service for any illegal, fraudulent, or unauthorized purpose.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use automated systems (bots, scrapers) to access the Service without our written permission.
• Resell, sublicense, or redistribute the Service without our written authorization.
• Upload or transmit viruses, malware, or other malicious code.

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account.

5. Intellectual Property

5.1 Our Intellectual Property

The Service and its original content, features, functionality, source code, and design are owned by Appraisal Host and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

5.2 Your Content

You retain ownership of any content you submit to the Service, including appraisal orders, appraiser information, and documents. By submitting content, you grant us a limited, non-exclusive, royalty-free license to use, store, process, and display that content solely for the purpose of providing the Service to you.

You represent and warrant that you have all necessary rights to submit your content and that your content does not violate any third-party rights or applicable laws.

6. Payment Terms

If you purchase services from us, you agree to the following payment terms:

• Fees: You agree to pay all fees and charges according to the pricing and payment terms presented to you during signup or as agreed in your contract.
• Billing: Fees are billed in advance on a monthly or annual basis, depending on your subscription plan.
• Payment Methods: We accept credit cards, ACH transfers, and other payment methods as specified during checkout.
• Auto-Renewal: Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.
• Price Changes: We may change our pricing with 30 days' notice. Price changes will not affect your current billing period.
• Late Payments: Accounts with overdue payments may be suspended until payment is received.
• Taxes: Fees do not include applicable sales tax, VAT, or other taxes, which will be added to your invoice as required by law.

7. Subscription and Cancellation

7.1 Subscription Plans

Appraisal Host offers flexible subscription plans based on your organization's size, order volume, and feature requirements. Subscription details, including pricing and included features, are provided during the sales process and documented in your service agreement.

7.2 Cancellation Policy

You may cancel your subscription at any time by contacting us at . Upon cancellation:

• Your subscription will remain active until the end of your current billing period.
• You will not be charged for subsequent billing periods.
• You will retain access to the Service until the end of your paid period.
• No refunds will be provided for partial billing periods unless required by law.
• You may request data export before your account is deactivated (see Section 8).

7.3 Refund Policy

All fees are non-refundable unless otherwise stated in your service agreement or required by law. If you are dissatisfied with the Service, please contact us to discuss your concerns before requesting a refund.

8. Data Ownership and Export

8.1 Your Data Ownership

You retain full ownership of all data you enter into the Service, including appraisal orders, appraiser information, client data, and documents. We do not claim any ownership rights to your data.

8.2 Data Export Rights

You have the right to export your data at any time in standard formats including:

• CSV exports for order data, appraiser information, and financial records
• PDF exports for reports and compliance documentation
• XML exports for appraisal reports and structured data
• Bulk document downloads for uploaded files and attachments

Upon account cancellation, we will provide a final data export opportunity. After account closure, your data will be retained for 90 days before permanent deletion, unless longer retention is required by law.

9. Uptime and Service Level Agreement

9.1 Uptime Commitment

Appraisal Host is committed to providing reliable service with 99.99% uptime, hosted on enterprise-grade AWS infrastructure. We monitor our systems 24/7 and perform regular maintenance to ensure optimal performance.

9.2 Scheduled Maintenance

We may perform scheduled maintenance that temporarily affects Service availability. We will provide advance notice of scheduled maintenance whenever possible, typically during off-peak hours.

9.3 Service Interruptions

While we strive for maximum uptime, the Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control (e.g., AWS outages, natural disasters, cyberattacks). We are not liable for temporary Service interruptions.

10. Disclaimers and Limitation of Liability

10.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, APPRAISAL HOST DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not warrant that the Service will meet your specific requirements or that defects will be corrected.

10.2 Limitation of Liability

IN NO EVENT SHALL APPRAISAL HOST, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Appraisal Host and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights or privacy rights
• Your content submitted to the Service
• Any negligent or wrongful conduct by you or your users

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us at . Upon termination, your subscription will remain active until the end of your current billing period.

12.2 Termination by Us

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Non-payment of fees
• Violation of the Acceptable Use Policy
• Fraudulent or illegal activity
• Threat to the security or integrity of the Service

12.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We will provide you with a 90-day grace period to export your data before permanent deletion. Sections of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, limitations of liability, and indemnification.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date at the top of this page
• Sending an email notification to registered users for significant changes
• Displaying a prominent notice on our platform

Your continued use of the Service after such changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may cancel your subscription.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms or the Service shall be brought exclusively in the state or federal courts located in Massachusetts, and you consent to the jurisdiction of such courts.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15. Contact Information

If you have any questions about these Terms, please contact us: