TrueOwn Terms of Service

1. Acceptance of These Terms

By using TrueOwn, you agree to these Terms of Service ("Terms"). If you don't agree, don't use the service. These Terms form a binding contract between you and TrueOwn, Inc.

You must be at least 18 years old, a U.S. resident, and the owner (or co-owner) of the property and mortgage you're enrolling in TrueOwn.

2. What TrueOwn Does

TrueOwn is a technology platform that helps homeowners identify and request savings on their existing mortgages. Specifically, we:

• Analyze your mortgage and home value to identify potential savings.
• Generate cancellation letters, recovery requests, and other documents based on your information.
• Monitor your mortgage account for changes that may unlock new savings.
• Notify you when action is needed.

You — the homeowner — review and send all letters and requests yourself, from your own email. We do not contact your mortgage company, file documents, or take action on your behalf without your direct authorization for each specific action.

3. What TrueOwn Is Not

TrueOwn is not a law firm, financial advisor, tax advisor, mortgage lender, mortgage servicer, mortgage broker, real estate broker, insurance agent, or government agency. We do not:

• Provide legal, financial, tax, or investment advice.
• Originate, modify, or service mortgage loans.
• Negotiate loan terms with your lender or servicer.
• Represent you in any legal capacity.
• Guarantee any specific outcome.

The information and documents we provide are for your information only. If you are unsure whether your situation gives you the rights described in any TrueOwn-generated document, consult a licensed attorney in your state before acting on it.

4. How TrueOwn Charges You

Contingency fees. For PMI cancellation and certain other recovery services, we charge 25% of the savings actually delivered to you in the first 12 months. We charge this fee only after the savings are confirmed on your mortgage statement. If no savings are delivered, you pay nothing for that service.

Flat fees. Some services (such as the post-close mortgage audit, recast advisory, and homestead exemption filing) carry a flat fee that is disclosed and authorized before any work begins.

Subscriptions. Optional monitoring services are available for a recurring monthly fee, which you may cancel at any time.

Payment authorization. When you sign up for a contingency-fee service, you authorize us to charge your payment method only when the savings are confirmed. We will never charge you before the triggering event occurs. If a payment fails, we may retry up to three times over 14 days and notify you. Continued failure may result in account suspension.

Refunds. If we charge a contingency fee and the underlying savings are subsequently reversed by your servicer (for example, if PMI is reinstated), we will refund the fee in full within 30 days.

5. Your Account and Authorization

To use TrueOwn, you authorize us to:

• Analyze your mortgage details for savings opportunities.
• Connect to your mortgage account through Plaid to retrieve loan information.
• Generate documents based on your information.
• Send you communications about your mortgage and TrueOwn services.
• Notify your loan officer (if applicable) when savings events occur.

You may revoke any of these authorizations at any time through your account settings or by contacting us. Revocation will not affect actions already taken.

You're responsible for keeping your account information accurate and your login secure. Notify us immediately if you suspect unauthorized access.

6. Your Obligations

When you use TrueOwn, you agree to:

• Provide accurate and complete information.
• Use the service only for your own mortgage (or one you co-own).
• Not use the service for any unlawful purpose.
• Review every document we generate before sending it.
• Notify us if any information about you or your mortgage changes materially.

You agree not to misuse the service — including by attempting to access other users' accounts, scraping our data, reverse-engineering our software, or using the service to harm TrueOwn or others.

7. Eligibility and No Guarantee of Savings

Our analysis is based on the information we receive from you, from Plaid, and from third-party data providers. We cannot guarantee that you qualify for any particular savings, that your mortgage company will grant any request, or that any specific outcome will occur. Your mortgage company makes the final decision under federal law and its own criteria.

Estimates of savings, home value, and eligibility shown before you connect your mortgage are based on publicly available data and are not guaranteed. Final amounts are determined by your mortgage servicer.

8. Loan Officer Referrals

If a loan officer referred you to TrueOwn, that loan officer may receive notifications when your savings events occur. The loan officer does not receive your sensitive financial information, account credentials, or full mortgage details. You can opt out of loan officer notifications at any time without losing access to other TrueOwn services.

If you choose to engage a lender or loan officer for a refinance, HELOC, or other product, that engagement is between you and them. TrueOwn is not a party to any loan transaction.

9. Third-Party Services

TrueOwn uses Plaid to connect to your mortgage account. Your use of Plaid is also governed by Plaid's End User Privacy Policy and terms. We use Stripe for payments, governed by Stripe's terms. We are not responsible for the acts or omissions of these third parties beyond our reasonable control.

10. Intellectual Property

TrueOwn owns all rights to the platform, software, content, designs, trademarks, and other materials we provide, except for content you submit (which remains yours, but which you grant us a license to use to provide the service). You may not copy, modify, distribute, or create derivative works of TrueOwn's intellectual property without our written permission.

11. Disclaimers

The TrueOwn service is provided "as is" and "as available." To the maximum extent allowed by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any specific outcome will occur.

We do not warrant the accuracy of third-party data (including home values from ATTOM, Realie, or similar providers, or mortgage data from Plaid). All such information is provided for your information only.

12. Limitation of Liability

To the maximum extent allowed by law, TrueOwn's total liability to you for any claim arising from your use of the service is limited to the greater of (a) the amount of fees you paid to TrueOwn in the 12 months before the claim arose, or (b) $100.

We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, lost savings, lost data, or business interruption — even if we have been advised of the possibility of such damages.

Some states do not allow limitations of liability for certain damages, so some of these limits may not apply to you.

13. Indemnification

You agree to indemnify and hold TrueOwn, its affiliates, and its employees harmless from any claims, damages, or expenses arising from your misuse of the service, your violation of these Terms, or your violation of any third party's rights.

14. Account Termination

You can close your account at any time through account settings or by contacting us. We may suspend or close your account if you violate these Terms, if we are required to do so by law, or if continuing to provide service is not commercially reasonable. We will notify you at least 30 days in advance unless immediate action is required.

Upon termination, your access to the service ends, but Sections 4 (any fees owed), 10–13, and 15–17 of these Terms survive.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles.

Informal resolution first. If you have a dispute with us, contact us at legal@trueown.com first. We'll try in good faith to resolve it within 60 days.

Arbitration. If we can't resolve the dispute informally, you and TrueOwn agree to resolve it through binding individual arbitration administered by JAMS under its consumer rules, in Palm Beach County, Florida, or your county of residence (your choice). Arbitration awards are enforceable in any court of competent jurisdiction.

No class actions. You and TrueOwn agree to bring claims only on an individual basis. Class actions, class arbitrations, and representative actions are not permitted.

Exceptions. Either party may bring small-claims court actions, seek injunctive relief for intellectual property violations, or pursue other remedies that are not subject to arbitration under applicable law.

Opt-out of arbitration. You may opt out of the arbitration provision by emailing legal@trueown.com within 30 days of first creating your account, with the subject line "Arbitration Opt-Out."

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email at least 30 days before they take effect. Your continued use of the service after the new Terms take effect means you accept them. If you don't agree to the changes, you can close your account before they take effect.

17. Miscellaneous

These Terms (along with our Privacy Policy and any service-specific authorizations you sign) are the entire agreement between you and TrueOwn. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

18. Contact Us

TrueOwn, Inc.
[Street address]
West Palm Beach, FL [zip]
legal@trueown.com