We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.

Your continued use of the Services following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access the Services so you are aware of any changes, as they are binding on you.

The following definitions apply throughout these Terms of Use and supplement the definitions used inline elsewhere in this document.

“Aggregated Statistics” means data, metadata, information, analytics, statistics, measurements, benchmarks, metrics, observations, trends, outputs, and other information derived from or related to your or any authorized user’s access to or use of the Services, Customer Data, AI Customer Input, AI Customer Output, appraisal workflows, appraisal reports, property information, valuation information, comparable sale information, public record information, listing information, user interactions, system activity, report preparation activity, quality control activity, revision activity, order management activity, API activity, and any other use of or interaction with the Services, in each case only to the extent such data or information is aggregated, anonymized, de-identified, normalized, transformed, or otherwise processed so that it does not directly identify you, any authorized user, any borrower, or any other individual as the source or subject of such data or information. For the avoidance of doubt, Aggregated Statistics may include statistical and performance information, market-level information, geographic trends, valuation trends, property characteristic trends, appraisal production metrics, completion times, revision rates, quality control outcomes, comparable selection patterns, condition and quality observations, model performance metrics, benchmark data, and other aggregated or anonymized insights relating to the provision, operation, improvement, development, benchmarking, commercialization, or performance of the Services or Provider’s products, services, models, systems, and technologies.

“Customer Data” means appraisal files, uploaded documents, user-submitted information, borrower-related information, report content, and other information submitted by or on behalf of you through the Services.

“Data Products” means any products, services, tools, reports, dashboards, APIs, data feeds, datasets, indices, benchmarks, models, model outputs, analytics products, research products, market intelligence products, valuation intelligence products, risk products, quality control products, compliance products, appraisal benchmarking products, property intelligence products, secondary market analytics products, tokenization-related data products, automated valuation products, model evaluation products, or other commercial offerings developed, provided, licensed, distributed, sold, or otherwise made available by or on behalf of Provider using or incorporating Aggregated Statistics, Derived Data, AI Technology, Provider IP, or any combination of the foregoing.

“De-identified Data” means data or information that has been processed to remove, mask, generalize, aggregate, transform, tokenize, hash, anonymize, or otherwise alter direct identifiers and other information in a manner reasonably designed to prevent such data or information from directly identifying you, an authorized user, a borrower, a property owner, or any other individual, subject to applicable law.

“Derived Data” means any data, dataset, metadata, feature, embedding, vector, signal, score, index, benchmark, analytic output, model output, statistical output, synthetic data, inferred data, normalized data, enriched data, transformed data, structured data, de-identified data, anonymized data, aggregated data, derivative work, insight, pattern, trend, analysis, measurement, model weight, model improvement, model evaluation, model output, workflow intelligence, valuation intelligence, quality control intelligence, market intelligence, property intelligence, or other information that is created, generated, inferred, extracted, compiled, calculated, developed, improved, or derived by or on behalf of Provider from or through: (i) Customer Data; (ii) AI Customer Input; (iii) AI Customer Output; (iv) Aggregated Statistics; (v) use of the Services; (vi) user interactions with the Services; (vii) appraisal report preparation activity; (viii) property and comparable data processed through the Services; (ix) workflow, compliance, quality control, revision, review, or delivery activity within the Services; (x) Provider’s AI Technology, models, systems, algorithms, or data processing pipelines; or (xi) any combination, analysis, transformation, normalization, structuring, enrichment, anonymization, de-identification, aggregation, or processing of any of the foregoing. Derived Data does not include raw Customer Data in the form originally submitted by you to the Services, except to the extent such Customer Data has been aggregated, anonymized, de-identified, normalized, transformed, structured, enriched, or otherwise processed so that it no longer directly identifies you, any authorized user, any borrower, or any other individual as the source or subject of such information.

“Feedback” means any feedback, suggestions, recommendations, corrections, edits, annotations, labels, ratings, validations, comments, bug reports, support communications, feature requests, workflow changes, quality control comments, appraisal corrections, comparable selection adjustments, condition or quality corrections, and other information provided by you or any authorized user relating to the Services, AI Customer Output, Provider IP, or any Provider product, service, model, system, or technology.

“Personal Information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with an identified or identifiable individual, including any personally identifiable information, non-public personal information, non-public consumer information, borrower information, consumer financial information, or similar information protected under applicable privacy, data protection, consumer protection, financial services, or mortgage-related laws.

“Provider IP” means the Services, APIs, Documentation, AI Technology, software, source code, object code, algorithms, models, model weights, model architecture, model outputs, workflows, templates, databases, data schemas, data structures, taxonomies, ontologies, prompts, prompt libraries, embeddings, vectors, data pipelines, validation rules, compliance rules, scoring methodologies, benchmarking methodologies, analytics methodologies, Data Products, Derived Data, Aggregated Statistics, and all other technology, information, data, materials, works, and intellectual property provided, created, developed, generated, derived, or made available by Provider in connection with the Services. For the avoidance of doubt, Provider IP includes Aggregated Statistics, Derived Data, Data Products, model improvements, model evaluations, model outputs, system-generated metadata, and any information, data, or other content derived from Provider’s monitoring, analysis, processing, or operation of your or any authorized user’s access to or use of the Services, but does not include raw Customer Data in the form originally submitted by you to the Services.

“Sensitive Customer Data” means Customer Data that includes Personal Information, borrower financial information, social security numbers, government identification numbers, credit information, income or employment information, bank account information, authentication credentials, confidential lender overlays, confidential underwriting information, confidential appraisal assignment information, or other information that is subject to heightened confidentiality, privacy, security, or regulatory obligations under applicable law or the Provider Terms and Conditions.

“Services” means the AIVRE™ software-as-a-service platform and related products and services, including AI-assisted appraisal workflow tools, form-filling tools, mobile tools, analytics tools, compliance tools, quality control tools, order management tools, directory services, APIs, data processing tools, model outputs, Data Products, valuation intelligence products, benchmarking products, market intelligence products, and other current or future services made available by Provider.

We reserve the right to withdraw or amend this Website, and any service or material we provide on or through the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for both:

• Making all arrangements necessary for you to have access to the Services.
• Ensuring that all persons who access the Services through your internet connection are aware of these Terms of Use and comply with them.

To create an account or access some of the resources we offer, you may be asked to provide certain registration details or other information. It is a condition of your use of the Services that all the information you provide on the Services is correct, current and complete. You agree that all information you provide to register with the Services or otherwise, including, but not limited to, through the use of any interactive features in the Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Services or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

The Services and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.
• If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

You must not:

• Modify copies of any materials from this Website.
• Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this Website.

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

For the avoidance of doubt, Provider IP, Aggregated Statistics, Derived Data, Data Products, AI Technology, model improvements, model evaluations, model outputs, benchmarks, indices, scores, analytics, methodologies, data structures, schemas, taxonomies, ontologies, and all improvements, enhancements, modifications, derivative works, and other developments related to any of the foregoing are owned exclusively by Provider.

AIVRE, and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.

Provider shall not use your name, logo, or trademarks in public marketing materials without your prior written consent, except to identify you as a customer in customer lists, investor materials, or business development materials where permitted by the applicable order form or written consent.

You may use the Services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Services:

• In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
• For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.
• To send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms of Use or of our other applicable terms or policies.
• To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
• To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing).
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website or other Services, or which, as determined by us, may harm the Company or users of the Services, or expose them to liability.

Additionally, you agree not to:

• Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Services.
• Use any robot, spider or other automatic device, process or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
• Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
• Use any device, software or routine that interferes with the proper working of the Services.
• Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Services, the server on which the Website is stored, or any server, computer or database connected to the Services.
• Attack the Website or other Services via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Services.

You may use the Services, AI Customer Output, reports, analytics, dashboards, APIs, and other outputs made available through the Services solely for your internal business purposes and, where applicable, to prepare, review, manage, deliver, or support appraisal reports, valuation workflows, compliance workflows, quality control workflows, and related business activities in the ordinary course of your business. You shall not use the Services, AI Customer Output, Provider IP, Aggregated Statistics, Derived Data, Data Products, or any outputs of the Services to develop, train, improve, validate, benchmark, commercialize, or support any software, artificial intelligence system, model, data product, analytics product, automated valuation model, appraisal workflow platform, quality control platform, order management platform, data service, or other product or service that competes with Provider or the Services.

You shall not, and shall not permit any authorized user or third party to, directly or indirectly: (i) scrape, harvest, extract, download, cache, reproduce, aggregate, or compile data or outputs from the Services except as expressly permitted by the Documentation or these Terms of Use; (ii) use the Services, AI Customer Output, Provider IP, Aggregated Statistics, Derived Data, Data Products, or any output or functionality of the Services to train, fine-tune, validate, benchmark, test, improve, or develop any artificial intelligence system, machine learning model, automated valuation model, appraisal software, workflow automation tool, quality control product, data product, analytics product, or competing service; (iii) use automated tools, bots, crawlers, scripts, or other similar means to access, copy, extract, collect, monitor, or reproduce any portion of the Services, Provider IP, Aggregated Statistics, Derived Data, Data Products, or system outputs; (iv) attempt to infer, reconstruct, reverse engineer, decompile, derive, or replicate any model, algorithm, dataset, benchmark, scoring methodology, data structure, taxonomy, ontology, prompt, workflow, rule set, or methodology used by Provider; (v) resell, sublicense, publish, distribute, disclose, commercialize, or otherwise make available any Data Product, Aggregated Statistics, Derived Data, or non-public output of the Services except as expressly authorized in writing by Provider; or (vi) use the Services or any output thereof in a manner that violates applicable law, appraisal independence requirements, professional standards, privacy obligations, consumer protection laws, mortgage industry rules, or the rights of any third party.

You shall not access or use the Services, Provider IP, AI Customer Output, Aggregated Statistics, Derived Data, Data Products, or Documentation for purposes of monitoring availability, performance, functionality, benchmarking, reverse engineering, competitive analysis, or developing, improving, training, validating, testing, commercializing, or supporting any competing product or service.

You shall not export, transmit, submit, upload, or otherwise provide any non-public output of the Services, AI Customer Output, Provider IP, Aggregated Statistics, Derived Data, or Data Products to any third-party artificial intelligence system, machine learning model, automated valuation model, appraisal software provider, workflow software provider, analytics provider, or other service provider for the purpose of training, fine-tuning, improving, benchmarking, validating, testing, or developing any product or service that competes with Provider.

The Services may allow you to submit reference images, text, or other inputs to be processed by our Services (“User Content”). You are responsible for all User Content sent through your account. You represent and warrant that (1) you have all necessary rights, licenses, and permissions to provide User Content to us, (2) your provision of User Content does not violate any applicable laws or these Terms of Use, and (3) User Content does not violate any applicable law, rule, or regulation.

These content standards apply to any and all User Content and use of Services. User Content must in their entirety comply with all applicable federal, state, local and international laws and regulations. Without limiting the foregoing, User Content must not:

• Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
• Infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person.
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
• Be likely to deceive any person.
• Promote any illegal activity, or advocate, promote or assist any unlawful act.
• Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person.
• Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
• Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter or advertising.
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

This section sets forth the rights and obligations of the parties with respect to Customer Data, Aggregated Statistics, Derived Data, Data Products, AI Technology, and related data and intellectual property, and it supplements the intellectual property provisions above.

Customer Data Ownership. As between Provider and you, you retain all right, title, and interest, including all intellectual property rights, in and to Customer Data in the form submitted by or on your behalf to the Services, subject to the licenses, rights, and permissions granted to Provider under these Terms of Use. No rights are granted to Customer Data except as expressly set forth herein.

License to Customer Data. You hereby grant Provider a non-exclusive, worldwide, royalty-free, fully paid, sublicensable, transferable license to host, access, collect, receive, input, upload, download, store, reproduce, copy, process, use, display, perform, transmit, distribute, modify, adapt, translate, create derivative works from, analyze, structure, normalize, enrich, and otherwise process Customer Data, AI Customer Input, AI Customer Output, and Feedback as necessary or useful to provide, operate, maintain, secure, support, improve, develop, and commercialize the Services, AI Technology, Provider IP, Aggregated Statistics, Derived Data, Data Products, and Provider’s other products, services, models, systems, and technologies.

Aggregated Statistics and Derived Data. Provider may monitor, collect, compile, analyze, aggregate, anonymize, de-identify, normalize, transform, structure, enrich, derive, and otherwise process data and information relating to your and your authorized users’ use of the Services, Customer Data, AI Customer Input, AI Customer Output, appraisal workflows, appraisal reports, property data, comparable data, public record data, listing data, user interactions, quality control activity, revision activity, compliance activity, order management activity, API activity, and other activity within or related to the Services to create Aggregated Statistics and Derived Data.

Ownership of Aggregated Statistics, Derived Data, and Data Products. As between Provider and you, Provider owns all right, title, and interest, including all intellectual property rights, in and to Provider IP, Aggregated Statistics, Derived Data, Data Products, AI Technology, model improvements, model evaluations, model outputs, benchmarks, indices, scores, analytics, methodologies, data structures, schemas, taxonomies, ontologies, and all improvements, enhancements, modifications, derivative works, and other developments related to any of the foregoing. You acknowledge and agree that Aggregated Statistics, Derived Data, and Data Products are not Customer Data and are not owned by you, even if they are generated, derived, inferred, extracted, or developed from or through Customer Data, AI Customer Input, AI Customer Output, or your or any authorized user’s use of the Services, provided that external commercial use of such Aggregated Statistics, Derived Data, or Data Products does not directly identify you, any authorized user, any borrower, or any other individual except as permitted by these Terms of Use, a separate written agreement, or applicable law.

Commercialization Rights. Provider may use, develop, create, improve, commercialize, license, sublicense, sell, resell, distribute, publish, disclose, display, perform, transmit, make available, incorporate into products or services, or otherwise exploit Aggregated Statistics, Derived Data, Data Products, and Provider IP for any lawful business purpose, including: (i) developing, improving, training, fine-tuning, validating, testing, benchmarking, evaluating, and commercializing AI Technology, machine learning models, automated valuation tools, quality control tools, appraisal workflow tools, analytics tools, compliance tools, review tools, and other technologies; (ii) creating, offering, licensing, selling, or distributing benchmarking products, analytics products, market intelligence products, data products, research products, valuation intelligence products, risk products, quality control products, compliance products, API products, data feeds, dashboards, scores, indices, reports, and institutional intelligence products; (iii) supporting lenders, appraisal management companies, appraisers, reviewers, investors, governmental entities, government-sponsored enterprises, regulators, warehouse lenders, capital markets participants, secondary market participants, insurers, reinsurers, rating agencies, data providers, software partners, and other third parties; (iv) developing property intelligence, collateral risk, valuation confidence, comparable selection, condition and quality, geographic trend, market movement, revision, workflow, productivity, quality control, and compliance intelligence; (v) supporting digital asset infrastructure, tokenization systems, blockchain-enabled valuation systems, mortgage infrastructure, housing finance infrastructure, securitization infrastructure, and related technologies; (vi) publishing or distributing aggregated, anonymized, de-identified, or market-level analyses, benchmarks, statistics, and reports; and (vii) otherwise operating, improving, expanding, and commercializing Provider’s business, products, services, models, systems, and technologies.

AI Training and Model Improvement Rights. You acknowledge and agree that Provider may use Customer Data, AI Customer Input, AI Customer Output, Aggregated Statistics, Derived Data, Feedback, system activity, user interactions, corrections, validations, quality control activity, appraisal report activity, property data, comparable data, public record data, listing data, image data, workfile data, and other data or information processed through or generated by the Services to train, fine-tune, validate, test, benchmark, evaluate, monitor, optimize, improve, retrain, develop, and commercialize AI Technology, machine learning models, computer vision models, natural language models, automated valuation tools, compliance tools, quality control tools, appraisal workflow tools, analytics tools, and other models, systems, and technologies.

No Compensation, Approval, or Revenue Participation. You acknowledge and agree that Provider may exercise the rights described in these Terms of Use without any obligation to provide notice, attribution, accounting, compensation, royalties, revenue sharing, license fees, ownership interest, approval rights, audit rights, opt-out rights, or other participation rights to you or any authorized user, except to the extent expressly required by a separate written agreement signed by Provider. You further acknowledge that Provider’s development, use, commercialization, licensing, sale, distribution, or other exploitation of Aggregated Statistics, Derived Data, Data Products, AI Technology, model improvements, benchmarks, scores, indices, analytics, or other Provider IP shall not give rise to any claim by you for unjust enrichment, misappropriation, implied license, joint ownership, fiduciary duty, partnership, accounting, compensation, or other similar claim.

No Default Opt-Out. Except to the extent expressly set forth in a separate written agreement signed by Provider, you shall have no right to restrict, revoke, opt out of, or condition Provider’s rights to use Aggregated Statistics, Derived Data, Data Products, AI Customer Input, AI Customer Output, Feedback, or Customer Data as permitted under these Terms of Use, including for AI Technology development, model improvement, analytics, benchmarking, and data product development.

No Restrictions on General Learning. Nothing in these Terms of Use shall restrict Provider from using general knowledge, skills, experience, ideas, concepts, know-how, techniques, methodologies, processes, workflows, or learnings acquired, developed, or improved in connection with providing the Services, including for the development, improvement, commercialization, and operation of Provider’s products, services, models, systems, technologies, and business, provided that Provider does not disclose your Confidential Information in violation of these Terms of Use.

Applicability During Free, Beta, and Trial Access. You acknowledge that the rights granted to Provider under these Terms of Use, including rights relating to Customer Data, AI Customer Input, AI Customer Output, Aggregated Statistics, Derived Data, AI Technology, model improvement, Feedback, and Data Products, apply regardless of whether you access the Services under a paid subscription, free access period, promotional period, beta program, pilot program, trial, proof of concept, discounted subscription, or other arrangement.

No Sale of Raw Customer Files. Provider will not sell raw Customer Data in the form originally submitted by you to the Services as an individual customer file or individual appraisal report to an unaffiliated third party, except as expressly authorized by you, necessary to provide the Services, required by applicable law, or otherwise permitted under these Terms of Use or the Provider Terms and Conditions.

No External Disclosure of Customer-Identifiable Data. Provider will not externally disclose Aggregated Statistics, Derived Data, or Data Products in a manner that directly identifies you as the source of such data without your consent, except as required by applicable law or permitted under these Terms of Use.

No External Disclosure of Personal Information in Commercial Data Products. Provider will use commercially reasonable measures designed to ensure that externally commercialized Aggregated Statistics, Derived Data, and Data Products do not include Personal Information in a form that directly identifies a borrower, property owner, consumer, or other individual, except as authorized by you, required by applicable law, necessary to provide the Services, or otherwise permitted under these Terms of Use or the Provider Terms and Conditions.

De-Identification Standard. Provider shall implement commercially reasonable technical and organizational measures designed to de-identify, anonymize, aggregate, generalize, mask, tokenize, hash, suppress, or otherwise protect customer-identifiable and Personal Information before using such information in externally commercialized Aggregated Statistics, Derived Data, or Data Products.

Re-Identification Restriction. Provider shall not knowingly use Aggregated Statistics, Derived Data, or Data Products for the purpose of re-identifying a borrower, consumer, property owner, or individual where such data has been de-identified, except as necessary for security, fraud prevention, legal compliance, service operations, support, error correction, or as otherwise permitted by applicable law.

Customer Responsibility for Consent and Authority. You represent and warrant that you have obtained and will maintain all rights, consents, authorizations, notices, permissions, and legal bases necessary for Provider and its affiliates, service providers, subcontractors, and third-party providers to collect, receive, access, store, use, process, transmit, disclose, create derivative works from, de-identify, anonymize, aggregate, analyze, and otherwise process Customer Data, AI Customer Input, AI Customer Output, and any Personal Information contained therein as described in these Terms of Use, the Provider Terms and Conditions, and any applicable privacy policy or data processing addendum. You are solely responsible for ensuring that your collection, use, disclosure, submission, and transmission of Customer Data to the Services complies with applicable law, professional obligations, contractual obligations, appraisal independence requirements, privacy obligations, data security obligations, consumer protection laws, mortgage industry rules, and third-party rights.

Confidentiality Clarification. Notwithstanding anything to the contrary in these Terms of Use, Aggregated Statistics, Derived Data, Data Products, and Provider IP shall not constitute your confidential information to the extent such information does not directly identify you or disclose your non-public confidential information in a customer-identifiable manner.

Security Measures. Provider shall maintain commercially reasonable administrative, technical, and physical safeguards designed to protect Customer Data from unauthorized access, disclosure, alteration, and destruction, taking into account the nature of the Services, the type of Customer Data processed, and the risks presented by the processing.

Subprocessors and Third-Party AI Providers. You acknowledge that Provider may use affiliates, subcontractors, service providers, cloud providers, AI providers, data providers, infrastructure providers, analytics providers, and other third parties to provide, support, secure, improve, and operate the Services and to exercise Provider’s rights under these Terms of Use. Provider may disclose Customer Data, AI Customer Input, AI Customer Output, Aggregated Statistics, Derived Data, and other information to such third parties as necessary or useful for such purposes, subject to commercially reasonable contractual, technical, or organizational safeguards where appropriate.

You hereby grant Provider a perpetual, irrevocable, worldwide, royalty-free, fully paid, sublicensable, transferable right and license to use, reproduce, modify, adapt, create derivative works from, distribute, commercialize, and otherwise exploit any Feedback.

Provider shall have no obligation to use, implement, maintain, support, or commercialize any Feedback. Any use of Feedback shall be without restriction, attribution, compensation, accounting, approval, or obligation to you or any authorized user.

Customer Responsible for Appraisal Judgment. You acknowledge and agree that the Services, AI features, AI Customer Output, analytics, benchmarks, scores, compliance checks, suggestions, and other outputs are tools intended to assist you and your authorized users. You and your authorized users remain solely responsible for all professional judgment, appraisal conclusions, report content, certifications, compliance determinations, valuation opinions, review decisions, and other professional services performed by you or your authorized users. Provider does not act as an appraiser, appraisal management company, lender, underwriter, reviewer, broker, agent, fiduciary, or professional advisor unless expressly agreed in a separate written agreement.

No Guarantee of Compliance. Provider does not warrant that the Services, AI features, AI Customer Output, compliance checks, quality control tools, Data Products, or other outputs will identify all errors, omissions, defects, compliance issues, USPAP issues, UAD issues, GSE issues, lender guideline issues, regulatory issues, or other issues in any appraisal report, valuation, workflow, or data submission. You are solely responsible for reviewing and validating all outputs before relying on them.

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

This Website includes content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

All purchases through our site or other transactions for the sale of services formed through the Services, or as a result of visits made by you are governed by these Terms of Use.

Additional terms and conditions may also apply to specific portions, services or features of the Services. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.

Unless expressly stated otherwise in an applicable order form or enterprise data addendum, all subscriptions, seats, usage plans, APIs, overage fees, trial access, promotional access, beta access, and other access to the Services are provided subject to Provider’s rights to use Customer Data, AI Customer Input, AI Customer Output, Aggregated Statistics, Derived Data, and Feedback as described in these Terms of Use.

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part.

The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Website or the Services infringe your copyright, you (or your agent) may send to the Company a written notice by mail or e-mail, requesting that we remove such material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send to the Company a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices must be sent in writing to the Company’s DMCA Agent as follows: By email to takedown@aivre.com with subject “DMCA Takedown Request” and by mail to Attn: Copyright Agent, AIVRE, Inc., 3221 W. Big Beaver Rd, #303, Troy, Michigan 48084, United States. To protect the rights of copyright owners, we reserve the right to suspend any account or other privileges, delete or disable content alleged to be infringing, or terminate the account or other user privileges of a repeat infringer.

We suggest that you consult your legal advisor before filing a DMCA notice or counter-notice. Any person who knowingly and materially misrepresents that material or activity is infringing or that material or activity was removed or disabled by mistake or misidentification, may be liable under Section 512(f) of the DMCA for damages incurred by the alleged infringer, by any copyright owner or authorized licensee, or by a service provider (like the Company), who is injured by such misrepresentation.

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Services will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND ITS SUBSIDIARIES AND AFFILIATES, AND THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $1,000 OR THE AMOUNT YOU HAVE PAID TO THE COMPANY FOR THE APPLICABLE CONTENT, PRODUCT, OR SERVICE IN THE LAST 12 MONTHS OUT OF WHICH LIABILITY AROSE.

The limitation of liability set out above does not apply to liability resulting from our gross negligence or willful misconduct.

WITHOUT LIMITING THE FOREGOING, PROVIDER SHALL NOT BE LIABLE FOR ANY LOSSES ARISING FROM OR RELATING TO YOUR OR ANY THIRD PARTY’S RELIANCE ON AI CUSTOMER OUTPUT, ANALYTICS, BENCHMARKS, SCORES, INDICES, COMPLIANCE CHECKS, QUALITY CONTROL TOOLS, VALUATION INTELLIGENCE, DATA PRODUCTS, MODEL OUTPUTS, RECOMMENDATIONS, SUGGESTIONS, OR OTHER OUTPUTS OF THE SERVICES, INCLUDING ANY APPRAISAL, VALUATION, LENDING, UNDERWRITING, INVESTMENT, CREDIT, COMPLIANCE, BUSINESS, REGULATORY, OR PROFESSIONAL DECISION MADE BASED ON SUCH OUTPUTS.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website or other Services, any use of the Website’s or the Services’ content, services and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Services.

Without limiting the foregoing, you shall also indemnify, defend, and hold harmless Provider from and against any losses arising from or relating to any third-party claim based on or alleging: (i) Customer Data, AI Customer Input, Feedback, or any other information provided by or on your behalf or on behalf of any authorized user; (ii) Provider’s use, processing, disclosure, de-identification, anonymization, aggregation, derivation, analysis, model training, or commercialization of Customer Data, AI Customer Input, AI Customer Output, Aggregated Statistics, Derived Data, Data Products, or Feedback in accordance with these Terms of Use; (iii) your failure to obtain or maintain any required rights, consents, notices, permissions, authorizations, or legal bases; (iv) your violation of applicable law, privacy obligations, consumer protection obligations, appraisal standards, professional obligations, lender requirements, AMC requirements, GSE requirements, contractual obligations, or third-party rights; (v) your or any authorized user’s use of the Services or outputs in connection with any appraisal, valuation, lending, underwriting, investment, credit, compliance, business, regulatory, or professional decision; or (vi) any allegation that Customer Data, AI Customer Input, or Feedback infringes, misappropriates, or violates any intellectual property right, privacy right, publicity right, confidentiality right, contractual right, or other right of any third party.

All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Michigan without giving effect to any choice or conflict of law provision or rule (whether of the State of Michigan or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Michigan although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

No waiver by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Upon expiration or termination of these Terms of Use, you shall cease use of the Services and Provider IP as set forth herein. Provider may retain and continue to use Aggregated Statistics, Derived Data, Data Products, AI Technology, model improvements, backups, logs, records, and other Provider IP generated, created, derived, or developed before, during, or after the term, subject to these Terms of Use, the Provider Terms and Conditions, and applicable law.

Subject to applicable law, legal obligations, backup retention, dispute resolution, audit requirements, security obligations, regulatory obligations, and Provider’s legitimate business purposes, Provider may delete or retain Customer Data following expiration or termination of these Terms of Use in accordance with Provider’s then-current data retention practices. Deletion of Customer Data shall not require Provider to delete Aggregated Statistics, Derived Data, Data Products, AI Technology, model improvements, logs, records, or other Provider IP.