Terms of Use

Legal Center

UPDATED
August 2024

This Terms of Use Agreement (this “Agreement”) governs your use of the Real-Finity and the Real-Finity affiliated businesses (Real-Finity, Inc. and Real-Finity Mortgage, LLC, collectively “Real-Finity”, “we”, “us”) websites (“Sites”). By clicking a registration or new account submission button, or by otherwise using our websites, networks, mobile applications, client communication platform and related Real-Finity applications (“Platform” or “Platform Apps”), or other services provided by Real-Finity (collectively, the “Services”), or accessing any content provided by us through the Services, you agree to be bound by the following terms of use, as updated from time to time (the “Terms of Use”). For purposes of this Agreement, “you” or “your” means the person(s) using the Site and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Site and/or the Services. This Agreement should be read carefully before accessing or using this Site. The Agreement applies to your use of any Services offered through the Site, regardless of how they are accessed. By accessing, browsing, or using the Site, you acknowledge that you understand, accept and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements. The Services may include additional terms; by agreeing to proceed with any such Services you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE. For purposes of this Agreement, “you” or “your” means the person(s) using the Site and /or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Site and/or the Services. We are licensed as set forth in the Disclosures and Licensing section, which is incorporated into this Agreement by reference.

1. Using the Services

Your Account. You are required to create an account (“Account”) to use certain features of the Services, including the Platform Apps. You agree to protect the security of your Account. You are responsible for all use of your Account, including your login credentials (i.e., username and password) and activation codes and passwords. Real-Finity treats access to the Services through your account credentials as authorized by you. Please immediately notify Real-Finity using the contact information below if you believe that information you provided to us is no longer secure or if you need to deactivate your account or password.

Accessing the Services. You are responsible for the software, hardware and Internet service that you need to access and use the Services. If you access and use the Services on your smartphone, tablet or other mobile device (“Mobile Device”), you are solely responsible for any and all data and other fees related to use of the Services through your Mobile Device. If you access and use one of the Platform Apps, then Real-Finity grants you a limited, nonexclusive, and nontransferable license to download, install, and use the Platform Apps for your personal, non-commercial use on your Mobile Device. The Services may offer text messaging (SMS or MMS) services for registered users. Message and data rates may apply. Once you opt-in to receive text messages from Real-Finity, the frequency of text messages that we send to you depends on your transactions with us. All charges are billed by and payable to your wireless service provider. Please contact your wireless service provider for pricing plans and details. Text message services are provided on an “as is” basis and may not be available in all areas at all times.

BY AGREEING TO RECEIVE TEXT MESSAGES, YOU UNDERSTAND AND AGREE THAT REAL-FINITY MAY USE AN AUTOMATIC DIALING SYSTEM TO DELIVER TEXT MESSAGES TO YOU AND THAT YOUR CONSENT TO RECEIVE TEXT MESSAGES IS NOT REQUIRED AS A CONDITION OF PURCHASE FOR ANY GOODS OR SERVICES.

Availability of the Services. We do not guarantee availability of the Services at all times of the day. The availability of the Services may be subject to limitations, delays and other problems inherent in the use of the Internet and electronic communications.

Updates. Real-Finity may from time to time perform upgrades, updates or error corrections (“Updates”) or otherwise make the Services unavailable. To the maximum extent authorized under applicable law, we reserve the right to change, remove, delete, restrict, block access to or stop providing any or all of the Services at any time and without notice. Except as provided in a Customer Agreement, Real-Finity has no obligation to provide access to or support for the Services and is not responsible for any delays, delivery failures or other damage resulting from such problems. Updates to the Services are part of the Services and subject to these Terms. Your continued use of the Services after the Effective Date constitutes your acceptance of the Updates. Based on your Mobile Device settings, when your Mobile Device is connected to the internet either a Platform App will automatically download and install all available Updates or may receive notice of or be prompted to download and install available Updates. Please promptly download and install all Updates to ensure that the Platform App operates properly.

2. Prohibited Uses

Restrictions on Your Use of the Services. You may use the Services for lawful, non-commercial purposes only. You agree that you will not (and you agree not to encourage or allow any third party to):

Breach, test, circumvent (or attempt to breach, test or circumvent) any security, copy protection or rights management feature in the Services or otherwise attempt to gain unauthorized access to the Services, other users’ Accounts or Real-Finity’s computer systems or networks;
Copy, modify, translate, adapt or otherwise create derivative works or improvements (whether or not patentable) of any part of the Services;
Decompile, reverse engineer, disassemble or decode the Services or otherwise attempt to derive or gain access to the source code of any part of the Services (unless applicable laws specifically prohibit such restriction);
Remove, alter or obscure any copyright, trademark or other intellectual property or proprietary notices contained in the Services;
Use any robot, spider, site search/retrieval application or other automated device, process or means to access, retrieve, scrape, data mine or index any portion of the Services;
Use the Services to send unsolicited messages or advertisements through comment functions available on the Services;
Distribute, rent, sublicense, lease, lend, sell, resell, assign, transfer, transmit, stream, broadcast or otherwise make available or exploit any features or functionality of the Services including through time-sharing, use of service bureau or by otherwise making the Services available on a network on which they are accessible by more than one device at any time;
Reformat or frame any portion of the web pages that are part of the Services without Real-Finity’s written consent;
Negligently, recklessly, knowingly, or intentionally transmit or upload any material that contains viruses, time bombs, trojan horses, worms, malware, spyware, or any other programs that may be harmful or dangerous;
Cause or launch any programs or scripts for the purpose of unduly burdening or hindering the operation and/or functionality of any aspect of the Services or otherwise interfere with others’ use and enjoyment of the Services;
Create an Account under fraudulent pretenses;
Engage in any activity that is obscene, threatening, harassing, defamatory, libelous, deceptive, fraudulent, hateful, violent, abusive, pornographic or otherwise offensive or unlawful.

You agree that Real-Finity may terminate your password, account, or use of the Site in Real-Finity’s sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, Real-Finity may post notices or links to notices through the Site to inform you of changes to the applicable terms of use, the Site, or other matters of importance.

3. Real-Finity Content

Real-Finity retains full and complete title to all information and materials provided by Real-Finity on or through the Services, including any artwork, graphics, text, video and audio clips, trademarks, logos and other content (collectively, “Real-Finity Content”). The name “Real-Finity”, “Real-Finity Mortgage”, their respective logos, and other trademarks used on the Services are trademarks of Real-Finity or its affiliates and may not be used in connection with the products or services of others in any manner that is likely to cause confusion. All other trademarks not owned by Real-Finity that appear on the Services are the property of their respective owners. THE CONTENTS OF THIS SITE, INCLUDING ITS “LOOK AND FEEL” (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to Real-Finity or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Real-Finity. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.

Although we make reasonable efforts to update the information on the Services, we make no representations, warranties or guarantees, whether express or implied, that the Services or Real-Finity Content are accurate, complete or up to date. Except as required by law, Real-Finity disclaims any duty to update the information included in the Services. All information on the Services is subject to change without notice. REAL-FINITY DOES NOT ENDORSE THE ACCURACY OR RELIABILITY OF ANY OPINION OR ADVICE SET OUT IN CONNECTION WITH THE SERVICES. If you agree to these Terms, then you may download, print and/or copy Real-Finity Content solely for your own personal use.

4. Privacy Policy

The terms on which we process any personal information that we collect from users on the Platform or the Sites, or that you provide to us as described in our Privacy Policy. By using the Platform, Site, or Services, you consent to the processing of any personal information as described in the Privacy Policy and you warrant that all data that you provide is accurate.

5. Intellectual Property

Real-Finity and its affiliates own and will retain all right, title and interest (including, without limitation, all patent, copyright, trade secret or other proprietary rights) in and to the Services and the Platform, and any modifications, improvements and derivative works of the foregoing, including any feedback.

6. Copyright

We respect the intellectual property of others and ask that you do too. We respond to notices of alleged copyright infringement if they comply with the law, and such notices should be reported using our Copyright Policy. We reserve the right to delete or disable content alleged to be infringing and terminate accounts of repeat infringers. Our designated agent for notice of alleged copyright infringement on the Services is: Copyright Agent: Real-Finity, Inc. 929 Alton Road, Suite 500 Miami Beach, FL 33139, email: support@realfinity.io.

7. Indemnity

You agree to indemnify, defend and hold harmless Real-Finity and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, subsidiaries and affiliates (“Real-Finity Parties”), from and against any and all claims, losses, liabilities, expenses (including attorneys’ fees and costs) and damages arising out of or relating to your use of the Sites or Services, your violation of any third-party right or law, or your violation or alleged violation of this Agreement. You must not settle any such claim or matter without the prior written consent of Real-Finity. The Real-Finity Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

8. Termination

You may terminate your Account at any time for any reason effective upon written notice to Real-Finity. Real-Finity reserves the right immediately to suspend or terminate your account and access to the Services without notice if Real-Finity believes you violated these Terms. Termination will not limit any of Real-Finity’s other rights or remedies. The Real-Finity Content, Disclaimers of Warranties, Limitation of Liability and exclusion of certain damages, Resolving Disputes, Mobile Applications and general Terms Sections and any other provision that is by its terms intended to survive termination shall survive termination of these Terms.

9. Links to Other Websites and Services

The Services also may contain links to other websites or online services that we think may interest you (collectively, “Linked Services”). Linked Services are not under the control of Real-Finity and Real-Finity is not responsible for Linked Services or for any information or materials on, or any form of transmission received from, any Linked Service. The inclusion of a link does not imply endorsement by Real-Finity of the Linked Services or any association with the operators of the Linked Services. Real-Finity does not investigate, verify or monitor the Linked Services. Real-Finity provides links to Linked Services for your convenience only. You access Linked Services at your own risk.

MOBILE APPLICATIONS
If you download any of Real-Finity’s Apps from a third-party app store (the “App Platform”), you acknowledge and agree that:

These Terms are an agreement between us and not with the App Platform. As between Real-Finity and the App Platform, Real-Finity is solely responsible for the applications.
The App Platform has no obligation to provide any maintenance and support services with respect to the applications.
In the event of any failure of the applications to conform to any applicable warranty, (i) you may notify the App Platform and the App Platform may refund the purchase price for the applications to you (if applicable), (ii) to the maximum extent permitted by applicable law, the App Platform will have no other warranty obligation whatsoever with respect to the applications, and (iii) any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty is, as between Real-Finity and the App Platform, Real-Finity’s responsibility.
The App Platform is not responsible for addressing any claims you have relating to the applications or your possession and use of the applications.
If a third-party claims that an application infringes another party’s intellectual property rights, as between the App Platform and Real-Finity, Real-Finity is responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms.
The App Platform and its subsidiaries are third-party beneficiaries of these Terms as it relates to your license to the applications. Upon your acceptance of the terms and conditions of these Terms, the App Platform will have the right (and will be deemed to have accepted the right) to enforce these Terms as related to your license of the applications against you as a third-party beneficiary thereof.
You must also comply with all applicable third-party terms of service when using the applications.

10. Disclaimers of Warranties

Real-Finity warrants that Real-Finity has validly entered into these Terms and has the legal power to do so. You warrant that you have validly entered into these Terms and have the legal power to do so. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that Real-Finity specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. REAL-FINITY, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL REAL-FINITY, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF REAL-FINITY, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF REAL-FINITY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $100.

11. Limitation of Liability

REAL-FINITY IS NOT LIABLE FOR DIRECT DAMAGES (FOR ANY CAUSE OR UNDER ANY LEGAL THEORY) TO YOU IN EXCESS OF THE GREATER OF THE AMOUNT PAID BY YOU TO ACCESS AND USE THE SERVICES OR $100. YOU AGREE THAT IN NO EVENT WILL REAL-FINITY BE LIABLE TO YOU (i) FOR INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS OR BUSINESS INTERRUPTION), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER ARISING IN ANY WAY IN CONNECTION WITH THESE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE), EVEN IF REAL-FINITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. The foregoing disclaimer of liability will not apply to the extent prohibited by applicable law in the jurisdiction of your place of residence. You acknowledge and agree that the above limitations of liability together with the other provisions in these Terms that limit liability are essential terms and that Real-Finity would not be willing to grant you the rights set forth in these Terms but for your agreement to the above limitations of liability.

12. Resolving Disputes

If you have a complaint about the Services, please contact Real-Finity via email at support@realfinity.io

Except where prohibited by local law, these Terms are governed by and construed and enforced in accordance with the internal laws of the State of Delaware (without giving effect to the principles of conflicts of laws of such state) and are binding on Real-Finity and you in the United States and worldwide. You agree that the United Nations Convention on Contracts for the International Sale of Goods does not apply to the interpretation or construction of these Terms. YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, THE CAUSE OF ACTION IS PERMANENTLY BARRED.

13. No Class Actions

You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed. If this specific paragraph is held unenforceable, then the entirety of this “No Class Actions” section will be deemed void.

14. Governing Law

These Terms will be governed by Delaware law except for its conflicts of laws principles.

15. Entire Agreement

These Terms constitute the entire agreement between you and Real-Finity with respect to the subject matter of these Terms and supersede and replace any other prior or contemporaneous agreements, or terms and conditions applicable to the subject matter of these Terms. These Terms create no third-party beneficiary rights.

16. Waiver, Severability & Assignment

Real-Finity’s failure to enforce a provision is not a waiver of its right to do so later. If a provision is found unenforceable, the remaining provisions of the Terms will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible. You may not assign any of your rights under these Terms, and any such attempt will be void. Real-Finity may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.

17. Modifications

The effective date of these Terms is set forth at the top of this webpage. Real-Finity reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Likewise, Real-Finity may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the legal terms and conditions that govern your use of the Site periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.