Terms & Conditions
 

The Short Version

Lotify AI turns public records and modeled data into a report that helps you ask better questions before you buy a home. It is not an inspection, appraisal, legal advice, or financial advice. It can contain errors, and data is missing in some places. Verify anything that matters with licensed professionals. Our liability is limited as described in Sections 10 and 12. Disputes go to individual arbitration under Delaware law (Section 13), and class actions are waived. The full terms below control.

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1. Introduction

These Terms govern your use of Lotify AI's property reports (the "Report," including the "Free Preview") and our website and web app at lotify.ai and app.lotify.ai (together, the "Platform"). The Platform is provided by Lotify AI Inc., a Delaware corporation ("Lotify", “the Company”, "we," or "us").

By requesting the Free Preview, placing an order, creating an account, or using a Report, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Platform.

You must be at least 18 years old. If you order for someone else, you confirm you have authority to do so.

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2. Scope of Services & User Reliance

What a Report may include. Depending on the property and the data available: permit history, zoning, flood zone, environmental and climate risk, neighborhood data, financial analysis, Seller Disclosure questions, and Inspector Lookout. Contents vary by property, and we may add, change, or remove modules at any time, in our discretion.

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What a Report is not. The Report is for information only. It is not a home inspection, appraisal, broker price opinion, survey, title search, legal advice, tax advice, mortgage or investment advice, or insurance quote. Lotify is not a licensed real estate broker, appraiser, home inspector, attorney, or lender. 

 

Sharing. The Report is for you and anyone buying with you. You may share it with your co-buyer, agent, home inspector, lender, attorney, or other advisor for your transaction. They may use it as information but may not rely on it in place of their own work, and they have no rights against us. Do not publish or resell it. This sharing permission is limited to your own property transaction. It does not permit any agent, broker, inspector, lender, or other advisor to use Reports obtained through your account as part of a recurring practice to serve their own separate clients or transactions. An advisor who wants to provide Reports to their own clients on an ongoing basis should do so through Lotify's own professional product, not by relying on access shared by a buyer.

 

Inspector Lookout and Seller Disclosure. Inspector Lookout lists topics you may want your inspector to check. It is not an inspection and does not limit an inspector's scope. Your inspector is independent and solely responsible for the inspection. Seller Disclosure lists questions you may want to ask the seller. It is not legal advice and does not replace the Texas seller's disclosure notice or any other disclosure the seller must provide.

 

Environmental and climate information. This information comes from public and modeled datasets. It is a preliminary screen, not a Phase I or Phase II Environmental Site Assessment under ASTM E1527, and not insurance underwriting. Insurers may reach different conclusions on coverage and price. Foundation, soil, drainage, and hail risks common in North Texas can be hard to assess from records alone.

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3. Public Data & Limitations

• Source data. Reports rely on public government and third-party data that may be incomplete, outdated, or wrong. We are not responsible for errors in source data.

• No guarantees. We make no promise about future permits, zoning, or regulatory changes.

• No physical inspection. Mold, asbestos, structural defects, and similar issues are outside the Report.

• Your responsibility. Verify anything that affects your decision, including permits, zoning, flood status, and unpermitted work, with the original source or a licensed professional.

• AI limits. We use AI and automated tools to collect, summarize, and interpret records. They can misread a record, mix up properties, or state something wrong with confidence. We review Reports for quality, but errors can remain. If you find one, email team@lotify.ai, and we will review it and correct it.

• Legal redactions. We may redact or remove data to comply with privacy laws and legal orders, including laws that protect the addresses of certain public servants (such as Daniel's Law). If a redaction removes a material part of your Report, email team@lotify.ai and we will review it.

• Coverage. We currently focus on the Dallas-Fort Worth area. We do not guarantee coverage for any specific address, and the depth, accuracy, and availability of public records vary by county and city. If the Report for your property has no data for most of its core modules, email team@lotify.ai and we will review it.

 

3A. Flood Zone Disclosure

Flood zone status. This Report checks whether the property appears to be located within a FEMA-designated flood zone, based on publicly available National Flood Insurance Program (NFIP) map data. The determination is made at the parcel level using the most recently published FEMA Flood Insurance Rate Maps (FIRMs) accessible when the Report is generated. Flood insurance availability and cost are set by insurers, not by the Report.

This is not a full flood-risk study. FEMA maps are updated periodically and may not reflect recent re-mapping, local drainage improvements, or development that affects flood patterns. Before relying on this conclusion, the buyer should verify: (1) current flood insurance requirements and premium estimates; (2) elevation certificate availability and the property's Base Flood Elevation (BFE); (3) drainage history and known local flooding events; and (4) applicable floodplain management regulations from the local jurisdiction. A licensed surveyor or certified floodplain manager should be consulted for any property where flood risk is material to the purchase decision.

To the extent permitted by law, we disclaim liability for any loss, damage, or cost arising from flood events, inaccuracies in FEMA map data, or a user's failure to independently verify flood zone status and insurance requirements.

 

4. Use of the Platform & Acceptable Use

You agree not to:

• Copy, publish, or resell Reports or Platform data, except for sharing permitted in Section 2.

• Harass, stalk, or intimidate property owners or other individuals identified in the data. Asking questions of the seller or listing agent in your own transaction is fine.

• Use the Platform or a Report as a consumer report, or for credit, employment, insurance, tenant screening, housing eligibility, or other purposes regulated by the Fair Credit Reporting Act (FCRA).

• Scrape, crawl, probe, scan, or reverse-engineer the Platform, its databases, algorithms, or source code.

• Use the Platform for any unlawful, fraudulent, or deceptive purpose, or in violation of any law, including the Telephone Consumer Protection Act (TCPA) and the CAN-SPAM Act.

• Share your account access with anyone else.

Keep your account credentials confidential, and notify us immediately at legal@lotify.ai if you suspect unauthorized access.

 

4A. Account Suspension & Termination

We may suspend or end your access if we reasonably believe you violated these Terms, acted fraudulently or illegally, or put the Platform, its data sources, or other users at risk. If we end your access because of your material violation, no refund is owed. In other cases, refunds follow Section 9.

You may close your account at any time by emailing team@lotify.ai. You may keep Reports you already received for your personal records, but your right to use the Platform ends when your access ends.

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5. Intellectual Property

All content, designs, code, and proprietary analysis in the Platform and Reports are owned by Lotify or its licensors. We grant you a limited, non-transferable, revocable license to use the Platform and your Report for personal, non-commercial purposes in connection with your own property transaction.

 

Feedback. If you submit feedback, error reports, data corrections, or suggestions about the Platform or its outputs ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and incorporate the Feedback into the Platform and related services, without compensation or attribution to you. You confirm that you have the right to submit the Feedback and that it does not infringe anyone's intellectual property rights.

 

Testimonials. We will not use your name, photo, or words in marketing without your separate, explicit permission, for example through a checkbox on our survey. You can withdraw permission by email. We will stop future use but cannot recall materials already published. If we offer an incentive for a review, we will disclose it.

 

5A. Copyright Infringement (DMCA)

We respect intellectual property rights and expect users to do the same. If you believe content on the Platform infringes your copyright, send a written notice to our designated DMCA agent: Legal Department, Lotify AI Inc., 1500 N GRANT ST / SUITE 10616 DENVER, CO 80203, legal@lotify.ai (subject line: DMCA Notice). The notice must include:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.

• Identification of the copyrighted work claimed to have been infringed.

• Identification of the material on the Platform claimed to be infringing, with enough detail to locate it.

• Your contact information, including address, telephone number, and email address.

• A statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law.

• A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act for the copyright owner.

We respond to notices in accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512). We may remove allegedly infringing content without prior notice while a claim is resolved, and we terminate the accounts of repeat infringers.

 

6. Privacy & Data Handling

Our Privacy Policy explains how we handle your information. When you request the Free Preview or place an order, we collect your name, email, phone number, and the property address. We use them to produce and deliver your Report, provide support, and improve the Platform.

If you agree, we also email you about your Report and related offers, and you can unsubscribe at any time. We text you only with your separate consent. We do not sell personal information.

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7. Electronic Delivery & Signature

You agree to receive Reports, receipts, and notices electronically. Your electronic agreement to these Terms, including clicking "I agree," counts as your signature.

 

8. Free Preview

You can request a free preview of up to three flags for a property, with no payment card required. Free Preview is a limited preview, not a full Report. The absence of a flag does not mean a property has no issues.

Free Preview is subject to these Terms. Requesting it does not obligate you to buy. We may change or end the free offer at any time. Any beta or design-partner access is governed by a separate written agreement.

 

9. Fees & Refunds

The Report costs $99, charged once. We do not currently offer subscriptions. If we do, the renewal terms will be shown at purchase and will require your separate consent.

Because a Report is delivered digitally and cannot be returned, fees are non-refundable once the Report is delivered, with these exceptions. We will refund or credit you if:

• The Report is not delivered within 96 hours of your order.

• You were charged more than once for the same Report.

Email team@lotify.ai within 30 days of delivery to request a refund or credit.

 

10. Disclaimers & Liability Limitation

To the extent permitted by law, the Platform and Reports are provided "AS IS," without warranties of any kind.

To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages. Our total liability is limited to the greater of the amount you paid us in the prior 12 months or $99. These limits do not apply to fraud, gross negligence, or willful misconduct.

Nothing in these Terms limits rights you have under law that cannot be waived, including Texas consumer protection law.

 

11. Force Majeure

We are not responsible for delays or failures caused by events outside our reasonable control, including natural disasters, government actions, internet outages, or strikes.

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12. Waiver & Release

You release and hold harmless Lotify, its affiliates, and representatives from all claims, liabilities, and losses arising from your use of the Platform or Report, except to the extent caused by our gross negligence or willful misconduct.

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13. Governing Law & Mandatory Arbitration

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles.

Mandatory Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or a Report — including disputes about the existence, validity, interpretation, breach, or termination of these Terms — shall be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules then in effect. The seat of arbitration shall be Wilmington, Delaware, unless the parties mutually agree in writing to an alternative location or remote proceeding. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver: YOU AND LOTIFY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this Class Action Waiver is found unenforceable with respect to any dispute, then the entirety of the arbitration provision shall be null and void as to that dispute, which shall proceed in court.

Carve-Outs: Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration, including for protection of intellectual property rights, confidential information, or data security. Such a court action does not waive the right to arbitrate the underlying dispute.

If for any reason a dispute proceeds in court rather than arbitration, both parties irrevocably waive any right to a jury trial. Any such litigation shall be brought exclusively in the state or federal courts located in Wilmington, Delaware, and both parties consent to personal jurisdiction in those courts.

 

14. Geographic Scope & Export Controls

The Platform is operated from the United States and is intended for use by persons located in the United States. It currently focuses on the Dallas-Fort Worth area. We make no representation that the Platform or its content is appropriate or available outside the United States. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for complying with local laws.

You agree to comply with all applicable export control laws and regulations of the United States and any other applicable jurisdiction. You may not export, re-export, or transfer any part of the Platform, its data outputs, or any direct product of them to any restricted destination, entity, or person.

 

15. Assignment

By you. These Terms are personal to you. You may not assign, transfer, or delegate any of your rights, obligations, or licenses under these Terms without our prior written consent. Any attempted assignment in violation of this section is void.

By Lotify. We may assign, transfer, or delegate these Terms, in whole or in part, without your consent, including in connection with a merger, acquisition, sale of assets, corporate reorganization, or by operation of law. We will provide notice of any such assignment where practicable.

These Terms bind and inure to the benefit of each party's permitted successors and assigns.

 

16. No Partnership or Agency

Nothing in these Terms creates a partnership, joint venture, employment relationship, agency, or any other association between you and Lotify. Neither party has authority to bind the other or to incur any obligation on the other's behalf.

 

17. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect.

 

18. Entire Agreement

These Terms, our Privacy Policy, and our Refund Policy are the entire agreement between you and Lotify regarding the Platform and Reports, and they replace all prior understandings on those subjects.

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19. Changes to These Terms

We may update these Terms. We will post the new version with an updated effective date, and we will notify you by email or on the Platform of material changes. Changes apply going forward and do not alter the terms of a Report you already purchased. If you keep using the Platform after the effective date, you accept the update.

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20. Contact

Lotify AI Inc.,

Address: 1500 N GRANT ST / SUITE 10616 DENVER, CO 80203.

Legal notices: legal@lotify.ai.

Support and refunds: team@lotify.ai.