Terms of Service
Last Updated: January 1, 2025
Welcome to OfferWise. By accessing or using our service, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.
1. Service Description
OfferWise is an AI-powered property analysis platform that provides:
- Risk assessment based on seller disclosure statements and inspection reports
- Recommended offer prices using our proprietary OfferScore™ algorithm (Patent Pending)
- Detailed insights into property condition, repair costs, and investment risk
- Transparency scoring based on seller disclosure quality
OfferWise is a decision-support tool, not professional advice. Our analyses are based solely on document content you provide and should be used in conjunction with professional real estate, legal, and inspection services.
🔒 2. Document Retention Policy - CRITICAL
OfferWise does NOT store your uploaded documents. This is fundamental to our service model:
- Temporary Processing Only: Seller disclosure statements and inspection reports are processed in memory for analysis purposes only
- Immediate Deletion: All uploaded documents are automatically and permanently deleted immediately after your analysis is completed
- No Retention: We do not retain, store, archive, or back up any copies of your property documents
- No Retrieval: Once deleted, documents cannot be retrieved or recovered
- Not a Storage Service: OfferWise is an analysis tool, not a document management or storage service
Your Responsibility:
- You are solely responsible for maintaining your own copies of all property documents
- We cannot provide copies of previously uploaded documents
- We accept no liability for document retention, retrieval, or storage
What We DO Store: Only analysis results (risk scores, recommended offer prices, property addresses you entered) are stored in your account history. See our Privacy Policy for complete data retention details.
3. User Accounts
3.1 Account Creation
To use OfferWise, you must create an account using OAuth authentication through one of these providers:
We do not use password-based authentication. Your account is secured through your chosen OAuth provider.
3.2 Account Security
You are responsible for:
- Maintaining the security of your OAuth account (Google, Apple, or Facebook)
- All activities that occur under your OfferWise account
- Notifying us immediately of any unauthorized access
3.3 Account Information
You agree to provide accurate, current information and to update it as necessary. You may update your account information through your Settings page.
4. Analysis Credits & Payment
4.1 Credit System
OfferWise operates on a pay-per-use credit system:
- 1 Analysis = 1 Credit: Each property analysis consumes one credit
- Free Trial: New users receive 1 free analysis credit upon signup
- No Expiration: Purchased credits never expire
- Non-Transferable: Credits cannot be transferred between accounts
4.2 Pricing
Current pricing (subject to change with notice):
- 1 Credit: $15
- 5 Credits: $50 (save $25, or $10/analysis)
- 10 Credits: $75 (save $75, or $7.50/analysis)
4.3 Payment Processing
All payments are processed securely through Stripe. We do not store credit card information. By making a purchase, you agree to Stripe's terms and conditions.
4.4 Refund Policy
Credits are non-refundable once purchased. However:
- If you experience technical issues that prevent you from using purchased credits, contact billing@offerwise.com
- We will investigate and provide support or, in cases of verified technical failure, issue replacement credits
- Refunds are handled on a case-by-case basis at our sole discretion
5. Acceptable Use
You agree to use OfferWise only for lawful purposes and in accordance with these Terms. You may NOT:
5.1 Prohibited Activities
- Upload Unauthorized Documents: Upload documents you do not have legal right to use or that belong to others without permission
- Reverse Engineering: Attempt to reverse-engineer, decompile, or discover our algorithms, technology, or trade secrets
- Circumvent Systems: Bypass our credit system, payment processing, or security measures
- Automated Access: Use bots, scrapers, or automated tools to access the service
- Resale: Resell, redistribute, or sublicense our analyses without explicit written permission
- Harm Others: Use the service to harm, harass, threaten, or violate the rights of others
- Illegal Activities: Use the service for any illegal purpose or in violation of any laws
5.2 Service Integrity
- Do not interfere with or disrupt the service or servers
- Do not transmit viruses, malware, or harmful code
- Do not impersonate others or misrepresent your affiliation
6. Intellectual Property
6.1 OfferWise Intellectual Property
OfferWise and all related technology, including but not limited to:
- The OfferScore™ trademark and algorithm (Patent Pending)
- Risk assessment methodology
- Pricing calculation models
- User interface and design
- Software code and architecture
- Analysis reports and formats
are proprietary and protected by patent pending status, trademark law, copyright law, trade secret law, and other intellectual property rights.
6.2 License to Use
Subject to these Terms and your payment, we grant you a limited, non-exclusive, non-transferable, revocable license to:
- Access and use the OfferWise platform
- Generate property analyses for your personal or internal business use
- Download and save your analysis reports
6.3 Restrictions
You may NOT:
- Copy, modify, or create derivative works of our technology
- Remove or alter any copyright, trademark, or proprietary notices
- Use our intellectual property for commercial purposes without permission
- Claim our technology or methodologies as your own
6.4 Your Content
You retain ownership of documents you upload. By uploading documents, you grant us a temporary license to process them solely for generating your analysis. This license terminates when documents are deleted (immediately after analysis).
⚠️ 7. Disclaimers & Limitations - PLEASE READ CAREFULLY
7.1 Not Professional Advice
OfferWise is NOT a substitute for professional advice. We are NOT:
- Licensed real estate agents or brokers
- Home inspectors or structural engineers
- Appraisers or valuation experts
- Attorneys or legal advisors
- Financial advisors or investment counselors
You should ALWAYS consult with qualified, licensed professionals before making real estate decisions.
7.2 Analysis Limitations
Our analyses are subject to significant limitations:
- Document-Based Only: Analyses are based solely on the documents you provide and may not reflect actual property conditions
- No Site Inspection: We do not inspect properties physically
- Incomplete Information: Seller disclosures may be incomplete, inaccurate, or outdated
- Hidden Issues: Many property problems are not disclosed or discoverable from documents
- Market Variability: Real estate markets fluctuate; our recommendations may not reflect current conditions
- Regional Differences: Repair costs and market values vary by location
7.3 "AS IS" Service
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- Warranties of merchantability or fitness for a particular purpose
- Warranties of accuracy, reliability, or completeness
- Warranties that the service will be uninterrupted or error-free
- Warranties that defects will be corrected
7.4 No Guarantee of Results
We do not guarantee that:
- Our risk assessments are accurate or complete
- Recommended offer prices will be accepted or are appropriate
- Repair cost estimates reflect actual costs
- You will make a successful real estate purchase
- You will avoid financial loss
8. Limitation of Liability
8.1 No Liability for Decisions
YOU ARE SOLELY RESPONSIBLE FOR ALL REAL ESTATE DECISIONS YOU MAKE. We are not liable for any decisions, actions, or outcomes resulting from your use of OfferWise, including but not limited to:
- Property purchases or offers made based on our analyses
- Financial losses from real estate transactions
- Undiscovered property defects or problems
- Repair costs exceeding our estimates
- Market changes or property value fluctuations
8.2 Maximum Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- OfferWise's total liability for any claims shall not exceed the amount you paid for the service in the preceding 12 months
- We are not liable for indirect, incidental, special, consequential, or punitive damages
- This includes damages for lost profits, lost data, business interruption, or property damage
8.3 Third-Party Services
We are not responsible for:
- OAuth providers (Google, Apple, Facebook)
- Payment processor (Stripe)
- Internet service or connectivity issues
- Your device or browser compatibility
9. Data Privacy
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
Key privacy highlights:
- Documents: Not stored (deleted immediately after analysis)
- Analysis Results: Stored in your account until you delete them
- Personal Data: Email, name, OAuth ID collected for authentication
- Payment Data: Processed by Stripe; we don't store card details
Please read our complete Privacy Policy for full details.
10. Modifications to Service
10.1 Service Changes
We reserve the right to:
- Modify, suspend, or discontinue any part of the service at any time
- Change features, functionality, or capabilities
- Update our algorithms and methodologies
- Impose usage limits or restrictions
10.2 Pricing Changes
We may change our pricing at any time. Changes will:
- Be communicated via email or through the platform
- Not affect credits already purchased
- Apply only to future purchases
10.3 Terms Changes
We may update these Terms from time to time. Material changes will be notified via:
- Email to your registered address
- Notice on the platform
- Updated "Last Updated" date at the top of this page
Continued use of the service after changes constitutes acceptance of the updated Terms.
11. Termination
11.1 Termination by You
You may delete your account at any time through your Settings page. Upon deletion:
- Your account and all data will be permanently removed within 30 days
- Unused credits are forfeited (non-refundable)
- You will lose access to all analysis history
11.2 Termination by Us
We may suspend or terminate your account immediately if you:
- Violate these Terms
- Engage in fraudulent activity
- Abuse the service or harm other users
- Violate applicable laws
11.3 Effect of Termination
Upon termination:
- Your license to use the service ends immediately
- Sections of these Terms that should survive (disclaimers, limitations, IP rights) continue to apply
- Unused credits are forfeited with no refund
12. Governing Law & Disputes
12.1 Governing Law
These Terms are governed by the laws of the State of California, United States, without regard to conflict of law provisions.
12.2 Jurisdiction
Any disputes arising from these Terms or the service shall be resolved in the state or federal courts located in Santa Clara County, California. You consent to the exclusive jurisdiction of these courts.
12.3 Arbitration
For claims under $10,000, you agree to first attempt to resolve disputes through good-faith negotiation. If unsuccessful, disputes may be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.
12.4 Class Action Waiver
You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.
For questions, concerns, or support regarding these Terms of Service:
Or visit our Contact page for more ways to reach us.
Acknowledgment: By using OfferWise, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you may not use the service.