HOMECLOSER AI TERMS OF SERVICE

Effective Date: February 19, 2026  |  Last Updated: February 19, 2026

IMPORTANT SAFETY NOTICE — READ BEFORE USE:

HomeCloser AI is a supplemental safety tool designed to assist real estate professionals. It is NOT a replacement for calling 9-1-1 or local emergency services. In any life-threatening situation, your first action should always be to call emergency services directly if you are able. Never rely solely on this application for your personal safety.

TABLE OF CONTENTS

  1. Acceptance of Terms
  2. Eligibility and Account Registration
  3. Description of Services
  4. The Emergency Dispatch Feature — Critical Limitations and Disclaimers
  5. User Safety Responsibilities and Best Practices
  6. Audio Recording, Transcription, and Artificial Intelligence
  7. Subscriptions, Billing, and Payments
  8. Prohibited Conduct
  9. Intellectual Property Rights
  10. Privacy and Data Collection
  11. Third-Party Services and Integrations
  12. Disclaimer of Warranties
  13. Limitation of Liability
  14. Indemnification
  15. Dispute Resolution; Mandatory Arbitration; Class Action Waiver
  16. Governing Law and Venue
  17. Modifications to Terms and Service
  18. Term and Termination
  19. Miscellaneous
  20. Contact Information

1. ACCEPTANCE OF TERMS

1.1 Binding Agreement. These Terms of Service (the “Terms”), together with our Privacy Policy (incorporated herein by reference), constitute a legally binding agreement between you (“User,” “you,” or “your”) and HomeCloser AI, LLC (“HomeCloser AI,” “Company,” “we,” “us,” or “our”) governing your access to and use of the HomeCloser AI mobile application, website, backend services, and all associated features, content, and functionality (collectively, the “Service” or “Services”).

1.2 ASSENT. BY DOWNLOADING, INSTALLING, ACCESSING, OR USING THE SERVICE IN ANY MANNER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SERVICE AND MUST IMMEDIATELY CEASE ALL USE AND UNINSTALL THE APPLICATION.

1.3 Capacity to Contract. Your agreement to these Terms represents that you have the legal capacity to enter into a binding contract and that your use of the Service complies with all applicable laws and regulations in your jurisdiction.

1.4 Electronic Acceptance. You acknowledge that your electronic acceptance of these Terms (including by clicking “I Agree,” “Continue,” completing registration, or commencing use of the Service) is legally equivalent to a handwritten signature and constitutes valid, binding acceptance.

2. ELIGIBILITY AND ACCOUNT REGISTRATION

2.1 Age Requirement. The Service is intended solely for individuals who are at least eighteen (18) years of age. By using the Service, you represent and warrant that you are at least eighteen (18) years old.

2.2 Professional Use. The Service is designed for use by licensed real estate professionals operating in the United States. By registering, you represent that you hold (or are actively pursuing) a valid real estate license or are otherwise employed or contracted in a professional real estate capacity.

2.3 Account Information Accuracy. You agree to provide accurate, current, and complete information during registration, including but not limited to your legal name, email address, and United States mobile phone number. Inaccurate information — particularly an incorrect phone number — may render the emergency dispatch feature wholly inoperable. HomeCloser AI assumes no liability for failures attributable to inaccurate account information.

2.4 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to immediately notify HomeCloser AI of any unauthorized use of your account or any other breach of security. HomeCloser AI will not be liable for any losses arising from unauthorized use of your account.

2.5 One Account Per User. You may not create or maintain more than one active account. Accounts are personal, non-transferable, and may not be shared with any other person.

2.6 United States Only. The Service is currently offered solely within the United States. You represent that you are located within the United States and are not subject to any U.S. government embargo or sanctions list.

3. DESCRIPTION OF SERVICES

3.1 Core Functionality. HomeCloser AI provides the following primary features:

3.2 Service Availability. The Service requires a stable internet connection to function. Features including, without limitation, the emergency dispatch capability, audio transcription, and AI analytics depend on connectivity to both the HomeCloser AI backend servers and third-party service providers. The Company makes no representation or warranty regarding uninterrupted availability of the Service or any component thereof.

3.3 Supplemental Tool Only. The Service is designed as a supplemental professional tool. It is not intended to serve as, and shall not be construed as, a comprehensive personal safety system, law enforcement service, emergency medical service, or substitute for any of the foregoing.

4. THE EMERGENCY DISPATCH FEATURE — CRITICAL LIMITATIONS AND DISCLAIMERS

THIS SECTION IS OF PARAMOUNT IMPORTANCE. PLEASE READ IT CAREFULLY AND IN ITS ENTIRETY BEFORE USING THE EMERGENCY DISPATCH FEATURE.

4.1 NOT A REPLACEMENT FOR 9-1-1. THE EMERGENCY DISPATCH FEATURE IS A SUPPLEMENTAL TOOL AND IS NOT A REPLACEMENT FOR CALLING 9-1-1 OR YOUR LOCAL EMERGENCY SERVICES NUMBER. IN ANY EMERGENCY SITUATION IN WHICH YOU ARE PHYSICALLY ABLE TO CALL 9-1-1, YOU SHOULD DO SO IMMEDIATELY. DO NOT DELAY CALLING 9-1-1 IN RELIANCE ON THIS FEATURE.

4.2 Technology Dependency and Failure Risk. The emergency dispatch feature depends on a chain of technologies and services, any one of which may fail independently and without notice:

A failure at any point in this chain may prevent emergency services from being notified. HomeCloser AI expressly disclaims all liability for any failure, delay, or malfunction at any point in this chain.

4.3 Voice Detection Limitations. The safety phrase detection system uses automated speech-to-text transcription and pattern matching. The system may fail to detect the safety phrase due to, among other factors: background noise; speech speed, accent, or pronunciation variations; microphone obstruction; low voice volume; poor audio quality; processing delays; connectivity interruptions; software errors; or transcription inaccuracies. HomeCloser AI does not warrant that the safety phrase will be detected in any particular circumstance.

4.4 False Activations. The system may trigger an emergency dispatch in response to speech that resembles but does not constitute your intended safety phrase. You acknowledge that false activations may occur and agree to cooperate with and be responsible for any consequences, including any costs, fees, fines, or charges arising from false emergency dispatch activations attributable to your account.

4.5 Response Time and Outcomes Disclaimed. Even if an emergency dispatch is successfully initiated, HomeCloser AI makes no representation or warranty regarding: the speed or adequacy of any emergency response; whether emergency responders will respond at all; the outcome of any emergency event; or whether any harm, injury, loss, or death will be prevented. HomeCloser AI has no control over public safety agencies and assumes no responsibility for their actions, inactions, delays, or errors.

4.6 Location Accuracy. The emergency dispatch is directed to the property address you enter when creating a showing. You are solely responsible for entering accurate and complete address information. HomeCloser AI shall not be liable for any failed or delayed dispatch resulting from inaccurate or incorrect address data.

4.7 Connectivity Prerequisite. The Service performs a connectivity check prior to initiating a showing session. However, connectivity may be lost at any time after a showing begins. Loss of internet connectivity during a showing will render the emergency dispatch feature inoperable, and HomeCloser AI shall bear no liability for failures caused by loss of connectivity.

4.8 Device Requirements. You are solely responsible for ensuring that your device is: sufficiently charged to sustain the duration of the showing; configured to permit the Service to access the microphone; free of competing applications that may interrupt audio recording; operating on a current, supported operating system version; and physically accessible at all times.

4.9 Safety Phrase Configuration. You are solely responsible for: selecting a safety phrase sufficiently distinct from ordinary conversation; memorizing your safety phrase thoroughly before relying on it; testing your safety phrase in a safe environment prior to any showing; updating your safety phrase if compromised; and ensuring your safety phrase is not disclosed to any client or third party present during a showing.

4.10 NO GUARANTEE OF PERSONAL SAFETY. USE OF THE SERVICE DOES NOT GUARANTEE YOUR PERSONAL SAFETY. HOMECLOSER AI EXPRESSLY DISCLAIMS ANY REPRESENTATION THAT USE OF THE SERVICE WILL PREVENT VIOLENCE, HARM, CRIME, OR ANY OTHER ADVERSE EVENT. REAL ESTATE PROFESSIONALS ARE STRONGLY ENCOURAGED TO MAINTAIN COMPREHENSIVE PERSONAL SAFETY PRACTICES INDEPENDENT OF AND IN ADDITION TO THIS SERVICE.

5. USER SAFETY RESPONSIBILITIES AND BEST PRACTICES

HomeCloser AI is committed to maximizing the protective value of the Service. To that end, you agree to comply with the following safety responsibilities and best practices as a condition of your use:

5.1 Pre-Showing Preparation.

5.2 During a Showing.

5.3 General Safety Practices.

5.4 Acknowledgment of Risk. You acknowledge that real estate property showings carry inherent personal safety risks and that HomeCloser AI does not represent that the Service will eliminate these risks. You agree to assume full personal responsibility for assessing and managing the risks associated with your professional activities.

6. AUDIO RECORDING, TRANSCRIPTION, AND ARTIFICIAL INTELLIGENCE

6.1 CONSENT TO RECORDING. BY INITIATING A SHOWING SESSION, YOU CONSENT TO CONTINUOUS AUDIO RECORDING OF THE ENVIRONMENT SURROUNDING YOUR DEVICE FOR THE DURATION OF THAT SESSION. YOU ARE SOLELY RESPONSIBLE FOR OBTAINING ALL LEGALLY REQUIRED CONSENTS FROM ANY OTHER PERSONS — INCLUDING CLIENTS, CO-AGENTS, HOMEOWNERS, OR BYSTANDERS — WHO MAY BE RECORDED DURING A SHOWING SESSION, IN COMPLIANCE WITH ALL APPLICABLE FEDERAL, STATE, AND LOCAL WIRETAPPING, EAVESDROPPING, AND RECORDING LAWS.

6.2 State Recording Laws. Recording laws vary by state. Many U.S. states require the consent of all parties being recorded (“all-party consent” or “two-party consent” states). You are solely responsible for understanding and complying with applicable recording laws. HomeCloser AI expressly disclaims all liability for your failure to obtain legally required consents, and you agree to indemnify HomeCloser AI for any claims arising therefrom.

6.3 AI Transcription Accuracy Disclaimer. Transcriptions are inherently imperfect and may contain errors, omissions, or misinterpretations. HomeCloser AI makes no warranty as to the accuracy, completeness, or reliability of any transcription. Transcriptions should never be relied upon as a verbatim record and should not be used as evidence in any legal, regulatory, or disciplinary proceeding without independent verification.

6.4 AI-Generated Notes and Analytics Disclaimer. AI-generated showing notes, coaching feedback, and analytics are for informational and educational purposes only. They do not constitute professional coaching, legal, financial, medical, or real estate advice. You are solely responsible for how you use, share, or act upon AI-generated content.

6.5 Data Retention. Audio recordings, transcripts, and analytics data are stored on Company servers for so long as your account remains active and for a period thereafter as described in the Privacy Policy. You may request deletion of your account and associated data at any time through the application's account deletion feature.

6.6 No Confidentiality Guarantee. While HomeCloser AI employs commercially reasonable security measures, no data transmission or storage system is fully secure. HomeCloser AI cannot guarantee the absolute security of audio recordings or transcripts.

7. SUBSCRIPTIONS, BILLING, AND PAYMENTS

7.1 Subscription Plans. Access to certain features of the Service requires a paid subscription. Subscription plans, pricing, and included features are described within the application and are subject to change in accordance with Section 17.

7.2 Automatic Renewal. Subscriptions are automatically renewing. By initiating a subscription, you expressly authorize HomeCloser AI (or its designated payment processor, including Apple App Store and RevenueCat) to charge your designated payment method at the applicable rate at the beginning of each billing cycle until you cancel. Cancellation must be made prior to the end of the current billing period to avoid charges for the next period.

7.3 NO REFUNDS. ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE. THIS INCLUDES SITUATIONS WHERE YOU DID NOT USE THE SERVICE; WERE DISSATISFIED WITH THE SERVICE; YOUR ACCOUNT WAS TERMINATED FOR VIOLATION OF THESE TERMS; THE SERVICE WAS TEMPORARILY UNAVAILABLE; OR YOU FORGOT TO CANCEL. PARTIAL BILLING PERIOD REFUNDS ARE NOT AVAILABLE. HOMECLOSER AI RESERVES THE RIGHT TO ISSUE REFUNDS IN EXCEPTIONAL CIRCUMSTANCES AT ITS SOLE AND ABSOLUTE DISCRETION.

7.4 Free Trials. HomeCloser AI may offer free trial periods at its sole discretion. To avoid charges, cancel before the trial expires. HomeCloser AI reserves the right to determine trial eligibility and revoke a trial at any time.

7.5 Price Changes. HomeCloser AI may modify subscription pricing at any time. For existing subscribers, HomeCloser AI will provide at least thirty (30) days' advance notice of any price increase. Continued use after the effective date constitutes acceptance of the new price.

7.6 Payment Disputes. All billing disputes must be submitted within thirty (30) days of the disputed charge. You agree not to initiate chargebacks without first contacting HomeCloser AI to resolve the dispute in good faith.

7.7 Taxes. You are responsible for all applicable taxes, levies, or duties imposed in connection with your subscription, excluding taxes based on HomeCloser AI's net income.

8. PROHIBITED CONDUCT

You agree that you will not, under any circumstances:

Violation of these prohibitions may result in immediate account termination, civil liability, and referral to law enforcement authorities where appropriate.

9. INTELLECTUAL PROPERTY RIGHTS

9.1 Company Ownership. The Service — including all software, algorithms, designs, text, graphics, audio, data models, AI systems, and all other content and features — is owned by HomeCloser AI or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

9.2 Limited License. Subject to your compliance with these Terms and payment of applicable fees, HomeCloser AI grants you a limited, non-exclusive, non-transferable, revocable license to download and use the Service on your personal mobile device solely for your own professional real estate activities. This license does not include the right to sublicense, resell, redistribute, or create derivative works.

9.3 User Content. You retain ownership of audio recordings, notes, and other content you input into the Service (“User Content”). By providing User Content, you grant HomeCloser AI a worldwide, royalty-free, non-exclusive license to process, store, transmit, and use User Content solely as necessary to provide the Service. HomeCloser AI does not sell User Content to third parties.

9.4 Feedback. Any feedback, suggestions, or feature requests you submit become the exclusive property of HomeCloser AI, and you hereby assign all rights therein to HomeCloser AI. HomeCloser AI has no obligation to act on or compensate you for feedback.

10. PRIVACY AND DATA COLLECTION

10.1 Privacy Policy. HomeCloser AI's collection, use, and disclosure of personal information is governed by the HomeCloser AI Privacy Policy, incorporated into these Terms by reference.

10.2 Sensitive Data. You acknowledge that the Service collects and processes sensitive categories of personal information, including audio recordings, your name, phone number, email address, and physical location (via property address), all handled in accordance with the Privacy Policy.

10.3 Emergency Data Disclosure. In the event of an emergency alarm activation, your name, phone number, and the property address are automatically transmitted to Noonlight and from there to appropriate emergency response agencies. You acknowledge and consent to this disclosure as a necessary component of the emergency dispatch service you have enrolled in.

10.4 Regulatory Compliance. You are responsible for ensuring that your use of the Service — including recording and storage of client interactions — complies with all applicable privacy laws, including but not limited to the California Consumer Privacy Act (CCPA), applicable state wiretapping statutes, and applicable real estate industry regulations.

11. THIRD-PARTY SERVICES AND INTEGRATIONS

11.1 Third-Party Providers. The Service integrates with the following third-party providers, among others: Noonlight (emergency dispatch), OpenAI (transcription and AI analytics), Supabase (data storage and authentication), RevenueCat (subscription management), and PostHog (analytics). Your use of the Service is subject to the terms and privacy policies of these providers.

11.2 No Control or Endorsement. HomeCloser AI does not control and is not responsible for the operation, availability, policies, or practices of any third-party service. Integration of a third-party service does not constitute an endorsement.

11.3 Third-Party Failures. The Service may be rendered wholly or partially inoperable by the failure, unavailability, or malfunction of any third-party service, including the emergency dispatch provider. HomeCloser AI shall not be liable for any such disruption or the consequences thereof.

11.4 Noonlight Terms. Your use of the emergency dispatch feature is additionally subject to Noonlight's own Terms of Service and Privacy Policy. HomeCloser AI expressly disclaims all liability for Noonlight's actions, inactions, or failures.

12. DISCLAIMER OF WARRANTIES

12.1 AS-IS BASIS. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

12.2 DISCLAIMER. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOMECLOSER AI EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (A) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (B) WARRANTIES THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; (C) WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (D) WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF ANY TRANSCRIPTION OR AI-GENERATED OUTPUT; (E) WARRANTIES THAT THE SAFETY PHRASE WILL BE DETECTED IN ANY PARTICULAR CIRCUMSTANCE; (F) WARRANTIES THAT EMERGENCY SERVICES WILL BE NOTIFIED OR WILL RESPOND IN THE EVENT OF AN EMERGENCY; (G) WARRANTIES THAT USE OF THE SERVICE WILL PREVENT HARM, INJURY, DEATH, LOSS, OR DAMAGE OF ANY KIND.

12.3 ASSUMPTION OF RISK. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE, AND IN PARTICULAR THE EMERGENCY DISPATCH FEATURE, IS AT YOUR SOLE RISK.

13. LIMITATION OF LIABILITY

13.1 EXCLUSION OF DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HOMECLOSER AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS, OR ASSIGNS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY: INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES; LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR ANTICIPATED SAVINGS; PERSONAL INJURY OR DEATH RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE; FAILURE OF THE EMERGENCY DISPATCH FEATURE TO ACTIVATE OR DETECT YOUR SAFETY PHRASE; ACTS OR OMISSIONS OF EMERGENCY RESPONDERS, DISPATCH CENTERS, LAW ENFORCEMENT, MEDICAL PERSONNEL, OR NOONLIGHT; UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA OR ACCOUNT; OR LOSS OR DAMAGE INCURRED AS A RESULT OF RELIANCE ON ANY AI-GENERATED OUTPUT — EVEN IF HOMECLOSER AI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

13.2 AGGREGATE LIABILITY CAP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOMECLOSER AI'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).

13.3 Essential Basis. You acknowledge that the foregoing limitations of liability reflect a reasonable allocation of risk between the parties and are an essential basis of the bargain between you and HomeCloser AI. HomeCloser AI would not provide the Service on the terms set forth herein without these limitations.

13.4 Jurisdictional Variation. Some jurisdictions do not allow the exclusion of certain warranties or limitation of certain damages. To the extent such limitations are prohibited, the corresponding limitations shall apply to the fullest extent permitted by applicable law.

14. INDEMNIFICATION

14.1 Your Indemnification Obligation. You agree to defend, indemnify, and hold harmless HomeCloser AI, its affiliates, licensors, and service providers, and each of their respective officers, directors, employees, contractors, agents, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees and court costs) arising out of or relating to:

14.2 Defense and Settlement. HomeCloser AI reserves the right to assume exclusive control of the defense of any matter subject to indemnification. You shall cooperate fully with HomeCloser AI's defense and shall not settle any such claim without prior written consent of HomeCloser AI.

15. DISPUTE RESOLUTION; MANDATORY ARBITRATION; CLASS ACTION WAIVER

15.1 Informal Resolution. Before initiating formal proceedings, you agree to contact HomeCloser AI in writing to describe your dispute and allow thirty (30) days for the parties to attempt to resolve it informally. This requirement is a prerequisite to arbitration.

15.2 BINDING ARBITRATION. EXCEPT AS SET FORTH IN SECTION 15.5, ALL DISPUTES, CLAIMS, CONTROVERSIES, OR CAUSES OF ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE — WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY — SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT.

15.3 Arbitration Procedure. Arbitration shall be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified by these Terms, by a single neutral arbitrator. The arbitration shall take place in the county of the User's residence unless the parties mutually agree otherwise. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.4 CLASS ACTION WAIVER. YOU AND HOMECLOSER AI EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS AND NOT AS PART OF A CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR ARBITRATION. NEITHER YOU NOR HOMECLOSER AI MAY BE A CLASS REPRESENTATIVE, CLASS MEMBER, OR OTHERWISE PARTICIPATE IN A CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE AS TO ANY CLAIM, THAT CLAIM SHALL BE SEVERED AND LITIGATED IN COURT, WHILE ALL REMAINING CLAIMS SHALL PROCEED IN ARBITRATION.

15.5 Exceptions. Either party may bring an individual action in small claims court for disputes within that court's jurisdictional limits. Either party may also seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending resolution of a dispute by arbitration.

15.6 WAIVER OF JURY TRIAL. TO THE EXTENT ANY CLAIM IS NOT SUBJECT TO ARBITRATION, YOU AND HOMECLOSER AI EACH IRREVOCABLY WAIVE THE RIGHT TO A JURY TRIAL.

15.7 TIME LIMITATION ON CLAIMS. ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE MUST BE BROUGHT WITHIN ONE (1) YEAR AFTER THE CLAIM ARISES. CLAIMS NOT BROUGHT WITHIN THIS PERIOD ARE PERMANENTLY BARRED.

15.8 Governing Rules. The Federal Arbitration Act (9 U.S. Section 1 et seq.) governs the interpretation and enforcement of this Section 15.

16. GOVERNING LAW AND VENUE

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. For any disputes not subject to arbitration, you consent to the exclusive personal jurisdiction and venue of the state and federal courts located in the State of Delaware, and you waive any objection to jurisdiction or venue in such courts.

17. MODIFICATIONS TO TERMS AND SERVICE

17.1 Modification of Terms. HomeCloser AI reserves the right to modify these Terms at any time at its sole discretion. We will notify you of material changes by posting updated Terms within the application and/or by email to the address associated with your account. Updated Terms take effect on the date specified in the notice. Your continued use of the Service after that date constitutes your binding acceptance of the updated Terms.

17.2 Modification of Service. HomeCloser AI reserves the right, at any time and in its sole discretion, to modify, add, or remove features; change pricing; restrict access; or suspend or discontinue the Service or any portion thereof — with or without notice. HomeCloser AI shall not be liable for any modification, suspension, or discontinuation.

18. TERM AND TERMINATION

18.1 Term. These Terms are effective from the date you first accept them and continue until terminated.

18.2 Termination by You. You may terminate these Terms at any time by deleting your account through the application's account deletion feature and ceasing all use of the Service.

18.3 Termination by HomeCloser AI. HomeCloser AI may suspend or terminate your access to the Service, with or without notice and with or without cause, including if HomeCloser AI reasonably believes you have violated these Terms, applicable law, or any third party's rights; you have failed to pay applicable fees; or for any other business reason at HomeCloser AI's sole discretion.

18.4 Effect of Termination. Upon termination, your license terminates immediately and you must cease all use. All accrued payment obligations survive. Sections 4, 5, 9.3, 9.4, 10, 12, 13, 14, 15, 16, 18.4, and 19 shall survive any termination.

19. MISCELLANEOUS

19.1 Entire Agreement. These Terms and the Privacy Policy constitute the entire agreement between you and HomeCloser AI with respect to the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

19.2 Severability. If any provision of these Terms is found invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

19.3 Waiver. HomeCloser AI's failure to enforce any right or provision shall not constitute a waiver of that right or provision.

19.4 Assignment. You may not assign or transfer any of your rights or obligations under these Terms without HomeCloser AI's prior written consent. HomeCloser AI may freely assign these Terms, including in connection with a merger, acquisition, or sale of assets, without restriction.

19.5 Force Majeure. HomeCloser AI shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, government actions, network outages, power failures, or failures of third-party service providers.

19.6 No Professional Advice. Nothing in the Service or these Terms constitutes legal, medical, financial, or professional real estate advice. HomeCloser AI is not a licensed attorney, medical professional, financial advisor, or real estate broker.

19.7 No Emergency Services Provider. HomeCloser AI is not an emergency services provider, public safety answering point, or first responder. HomeCloser AI acts solely as an intermediary that transmits requests to a third-party emergency dispatch service and has no control over, and assumes no responsibility for, any emergency responder or dispatch center.

19.8 Electronic Communications. You consent to receiving communications from HomeCloser AI electronically. You agree that all agreements, notices, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

20. CONTACT INFORMATION

For questions regarding these Terms, to report a legal issue, or to submit a billing dispute, please contact:

HomeCloser AI, Company Legal Department
345 E Woolbright Road
Boynton Beach, FL 33435
Email: contact@homecloserai.com
Website: www.homecloserai.com

FOR EMERGENCY SITUATIONS: Do not contact HomeCloser AI. Call 9-1-1 immediately.

These Terms of Service were last reviewed and updated on February 19, 2026. HomeCloser AI recommends that you save a copy of these Terms for your records.

ACKNOWLEDGMENT:

BY USING THE HOMECLOSER AI SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE IN THEIR ENTIRETY, THAT YOU UNDERSTAND THEM, AND THAT YOU AGREE TO BE BOUND BY ALL OF THEIR PROVISIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS INCLUDE IMPORTANT LIMITATIONS ON YOUR RIGHTS AND REMEDIES, INCLUDING LIMITATIONS ON LIABILITY, A WAIVER OF JURY TRIAL, A CLASS ACTION WAIVER, AND A MANDATORY ARBITRATION CLAUSE.