Legal

Terms of Service

Effective date: April 30, 2026 · Last updated: April 30, 2026

These Terms of Service ("Terms") govern your access to and use of the website, products, and services (collectively, the "Services") provided by Zourse, Inc. ("Zourse," "we," "us," or "our"), a Delaware corporation headquartered in Chicago, Illinois.

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.

1. Overview of Services

Zourse provides an AI-powered workspace for real estate professionals, including but not limited to:

Automated property underwriting and financial analysis
Market comparable ("comp") search and analysis
Property data retrieval from third-party data providers
Risk assessment and flagging
Document processing and data extraction
Chat-based interaction with AI-powered analysis tools

Our Services are designed to assist real estate professionals in their work and are not a substitute for professional judgment, licensed appraisal services, legal advice, or financial advisory services.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use our Services. If you are using our Services on behalf of a company, organization, or other entity, you represent that you have the authority to bind that entity to these Terms.

3. Account Registration

To access certain features of our Services, you may need to create an account. You agree to:

Provide accurate, current, and complete information during registration
Maintain the security of your account credentials
Promptly update your information if it changes
Accept responsibility for all activities that occur under your account
Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.

4. Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Services in any way that violates applicable federal, state, local, or international law or regulation, including but not limited to fair housing laws
Use the Services to discriminate against any person or group based on race, color, religion, national origin, sex, familial status, disability, or any other protected class under the Fair Housing Act or applicable state or local fair housing laws
Attempt to reverse-engineer, decompile, or disassemble any aspect of the Services
Use automated tools (bots, scrapers, etc.) to access the Services without our written permission
Interfere with or disrupt the integrity or performance of the Services
Attempt to gain unauthorized access to any portion of the Services or any related systems
Upload or transmit viruses, malware, or other malicious code
Use the Services to generate, store, or transmit content that is unlawful, defamatory, or infringes on intellectual property rights
Resell, redistribute, or sublicense access to the Services without our written consent
Use outputs from the Services as the sole basis for regulated activities (such as licensed appraisals or securities offerings) without independent professional verification

5. AI-Generated Content and Limitations

Important: Zourse uses artificial intelligence to assist with real estate analysis. While we employ deterministic computation for all financial calculations and cite data sources for all factual claims, AI-generated content may contain errors, omissions, or inaccuracies. You should independently verify all information before making financial decisions.

5.1 Nature of AI outputs

Our Services use large language models (LLMs) for natural language processing, reasoning, and synthesis. All financial calculations (including but not limited to capitalization rates, debt service coverage ratios, internal rates of return, net operating income, and cash-on-cash returns) are performed by our deterministic software engine, not by AI models. However:

AI-generated text, summaries, and risk assessments are produced by language models and may not be accurate in all cases
Data retrieved from third-party sources (ATTOM, MRED, Cook County, Rentometer) is provided "as is" and may contain errors or be out of date
Market conditions change rapidly, and analysis based on historical data may not reflect current conditions

5.2 Not professional advice

The outputs of our Services do not constitute and should not be relied upon as:

A licensed real estate appraisal
Financial, investment, tax, or legal advice
A recommendation to buy, sell, hold, or finance any property
A substitute for due diligence by qualified professionals

You are solely responsible for any decisions you make based on information provided by our Services. We strongly recommend consulting with licensed appraisers, attorneys, accountants, and financial advisors before making real estate investment decisions.

5.3 Fair housing compliance

Zourse is committed to compliance with the Fair Housing Act and all applicable state and local fair housing laws. Our Services are designed to analyze properties and financial metrics, not to evaluate or discriminate against individuals. We implement safeguards to prevent our AI systems from generating outputs that could facilitate housing discrimination. If you believe any output from our Services may violate fair housing principles, please report it immediately to femi@zourse.ai.

6. Subscription and Payment

6.1 Plans and pricing

Access to certain features of our Services requires a paid subscription. Subscription plans, pricing, and features are described on our website and may change from time to time. We will provide reasonable notice of any pricing changes.

6.2 Billing

Subscription fees are billed in advance on a monthly or annual basis, depending on the plan you select. By subscribing, you authorize us to charge your designated payment method for the applicable fees.

6.3 Cancellation and refunds

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial billing periods, except as required by applicable law.

6.4 Free and promotional tiers

We may offer free trials, founding partner programs, or promotional pricing at our discretion. We reserve the right to modify or discontinue promotional offers at any time.

7. Intellectual Property

7.1 Our intellectual property

The Services, including all software, algorithms, models, user interfaces, text, graphics, logos, and trademarks, are owned by Zourse, Inc. and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our Services without our written consent.

7.2 Your content

You retain ownership of any content you upload to or create using our Services (including documents, data, and analysis outputs). By uploading content, you grant us a limited, non-exclusive license to process, store, and display your content solely as necessary to provide the Services to you.

7.3 Feedback

If you provide us with feedback, suggestions, or ideas about our Services, you grant us an unrestricted, perpetual, irrevocable, royalty-free license to use, modify, and incorporate that feedback into our Services without obligation to you.

8. Data and Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the data practices described in our Privacy Policy.

9. Third-Party Services and Data

Our Services integrate with and rely upon third-party data providers and services, including but not limited to ATTOM Data Solutions, MRED (Midwest Real Estate Data), Cook County government databases, Rentometer, OpenAI, and cloud infrastructure providers. We are not responsible for the accuracy, availability, or reliability of third-party data or services. Your use of our Services is also subject to the terms and policies of these third-party providers to the extent applicable.

10. Limitation of Liability

Important: Please read this section carefully. It limits our liability to you.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ZOURSE, 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, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR PROPERTY DAMAGE, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

WITHOUT LIMITING THE FOREGOING, ZOURSE SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING FROM:

Decisions made based on AI-generated outputs, financial analyses, or risk assessments provided by the Services
Errors, inaccuracies, or omissions in data retrieved from third-party sources
Failure of the Services to identify risks, defects, or issues with any property
Investment losses, failed transactions, or unfavorable deal outcomes
Unauthorized access to your account due to your failure to maintain account security

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY PROPERTY DATA, FINANCIAL CALCULATIONS, MARKET ANALYSES, RISK ASSESSMENTS, OR OTHER INFORMATION PROVIDED THROUGH THE SERVICES.

12. Indemnification

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

Your use of the Services
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any third party's rights
Any content you upload to or transmit through the Services
Any decisions you make based on outputs from the Services

13. Dispute Resolution

13.1 Governing law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

13.2 Arbitration

Any dispute arising out of or related to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Chicago, Illinois, and the arbitrator's decision shall be final and binding. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

13.3 Class action waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this class action waiver is found to be unenforceable, the entirety of this arbitration provision shall be null and void.

13.4 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

14. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination:

Your right to use the Services ceases immediately
We may delete your account data after 30 days, except for audit logs which are retained per our Privacy Policy
You may request an export of your data prior to the 30-day deletion window
Provisions that by their nature should survive termination shall survive (including Sections 7, 10, 11, 12, and 13)

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our Site with a revised effective date, and where possible, by sending you an email notification. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

16. General Provisions

Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Zourse regarding the Services.
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
Force majeure: We shall not be liable for any failure or delay in performing our obligations under these Terms due to events beyond our reasonable control.

17. Contact Us

If you have questions about these Terms, contact us at:

Zourse, Inc.
Chicago, IL
femi@zourse.ai
zourse.ai