LedgrPRO

Terms of Service

Binding Agreement Governing Use of the LedgrPRO Platform

Effective Date: March 20, 2026

1. Acceptance of Terms

Please read these Terms of Service ("Terms") carefully before accessing or using the LedgrPRO platform, software, data tools, APIs, reports, or any related services (collectively, the "Service") operated by LedgrPRO, Inc. ("Company," "we," "us," or "our").

BY CREATING AN ACCOUNT, CLICKING "I AGREE," OR ACCESSING OR USING ANY PART OF THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS IN THEIR ENTIRETY, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SERVICE.

These Terms constitute a legally binding agreement between you ("User" or "Subscriber") and the Company. These Terms apply to all users, including free trial users, paid subscribers, and any entity accessing the Service on behalf of a legal person.

2. Description of the Service

LedgrPRO is a subscription-based software-as-a-service ("SaaS") platform designed to assist real estate investors with data aggregation, analysis, and deal evaluation. The Service includes the following modules, made available in phases:

Rental Market Underwriting Engine: Provides estimated rent ranges, underwriting assumptions, and property-level analysis based on aggregated third-party data sources.
Distressed Deal Sourcing Module: Surfaces potential investment targets based on publicly available distressed property signals, including but not limited to lis pendens filings, tax delinquencies, and related indicators.
Portfolio Performance Tracker: Enables users to log, track, and monitor their real estate portfolio performance metrics, including cash-on-cash return, DSCR, cap rate, and related calculations.
Neighborhood Trajectory Scoring Engine: Provides data-informed neighborhood trend analysis based on aggregated demographic, economic, and market data. This module is subject to additional legal and compliance prerequisites before availability.

Module availability is subject to the subscription tier purchased and to phased release schedules at the Company's sole discretion. The Company reserves the right to modify, suspend, limit, or discontinue any module or feature at any time.

3. Eligibility

The Service is available only to users who are 18 years of age or older, have the legal capacity to enter into binding contracts, and are accessing the Service for lawful purposes. By using the Service, you represent and warrant that you meet all eligibility requirements.

If you are accessing the Service on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms, and "you" shall refer to both you individually and the entity.

The Service is intended for use by real estate investors, analysts, and professionals in the United States. Users outside the United States may access the Service but do so at their own risk and are solely responsible for compliance with applicable local laws.

4. Account Registration and Security

To access the Service, you must register an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree to notify the Company immediately at [email protected] upon becoming aware of any unauthorized use of your account or any other breach of security. The Company will not be liable for any loss or damage resulting from your failure to protect your account credentials.

The Company reserves the right to suspend or terminate any account it reasonably believes has been compromised, used fraudulently, or used in violation of these Terms.

5. Investment Disclaimer and Limitation of Reliance

IMPORTANT: THIS SECTION CONTAINS CRITICAL LIABILITY LIMITATIONS. READ THIS SECTION IN ITS ENTIRETY BEFORE USING THE SERVICE.

5.1 No Financial, Investment, or Legal Advice

THE SERVICE, INCLUDING ALL DATA, OUTPUTS, REPORTS, ESTIMATES, PROJECTIONS, SCORES, ANALYSES, RENT RANGES, VALUATION FIGURES, NEIGHBORHOOD SCORES, DEAL SIGNALS, AND ANY OTHER INFORMATION PROVIDED THROUGH THE PLATFORM (COLLECTIVELY, "PLATFORM CONTENT"), IS PROVIDED FOR INFORMATIONAL AND ANALYTICAL REFERENCE PURPOSES ONLY. PLATFORM CONTENT DOES NOT CONSTITUTE, AND MUST NOT BE CONSTRUED AS, FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, REAL ESTATE BROKERAGE SERVICES, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. THE COMPANY IS NOT A REGISTERED INVESTMENT ADVISOR, BROKER-DEALER, REAL ESTATE BROKER, FINANCIAL PLANNER, OR LICENSED PROFESSIONAL IN ANY ADVISORY CAPACITY.

5.2 No Guarantee of Accuracy, Completeness, or Fitness

All Platform Content is derived from third-party data sources including, but not limited to, ATTOM Data Solutions, RentRange, Rentometer, HUD Fair Market Rents, U.S. Census American Community Survey, BatchLeads, and other public and licensed data providers. The Company does not independently verify, audit, or guarantee the accuracy, completeness, timeliness, or fitness for any particular purpose of any data obtained from third-party sources.

Rent estimates, automated valuation model ("AVM") outputs, after-repair value ("ARV") estimates, distress signals, neighborhood scores, and all other analytical outputs are estimates and approximations only. They are not appraisals, broker price opinions, certified valuations, or guarantees of any kind. Actual market conditions, property values, rents, and investment outcomes may differ materially from Platform Content.

5.3 Data Currency and Timeliness

Platform Content reflects data available at the time of the underlying data pull or API query. Real estate markets are dynamic and conditions change rapidly. The Company does not guarantee that any data, estimate, score, or output is current as of the date you access it. Historical data, cached results, and batch-processed outputs may not reflect real-time market conditions.

Users are solely responsible for verifying the currency and relevance of any Platform Content before making any decision based on it.

5.4 User Responsibility for Investment Decisions

ALL INVESTMENT, FINANCIAL, OPERATIONAL, AND BUSINESS DECISIONS MADE BY YOU ARE MADE SOLELY AT YOUR OWN RISK AND ON YOUR OWN JUDGMENT. THE COMPANY IS NOT RESPONSIBLE OR LIABLE FOR ANY INVESTMENT DECISIONS, TRANSACTIONS, LOSSES, PROFITS, OR OTHER OUTCOMES THAT RESULT FROM YOUR USE OF OR RELIANCE ON PLATFORM CONTENT, REGARDLESS OF WHETHER SUCH CONTENT WAS ACCURATE, INACCURATE, COMPLETE, OR INCOMPLETE AT THE TIME OF ACCESS.

Before making any real estate investment decision, you are strongly encouraged to consult licensed professionals including a licensed real estate agent or broker, a certified public accountant, a licensed real estate attorney, an independent appraiser, and a licensed financial advisor.

5.5 No Fiduciary Duty

The Company does not owe and expressly disclaims any fiduciary duty to you or any third party. The relationship between you and the Company is that of a software subscriber and SaaS provider only. No partnership, joint venture, agency, employment, or advisory relationship is created by these Terms or your use of the Service.

6. Third-Party Data Sources and Limitations

The Service aggregates data from multiple licensed and public data sources. The Company's ability to provide accurate, complete, and timely data is contingent on the continued availability, accuracy, and reliability of those third-party sources. The Company makes no representations about the quality, accuracy, or reliability of any third-party data source.

Third-party data providers may modify, restrict, or discontinue their data feeds at any time. In such event, the Company reserves the right to substitute alternative data sources, modify affected features, or suspend affected modules without notice or liability.

Certain data used in the Service, including distressed property signals such as lis pendens filings, may be subject to the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. Section 1681 et seq.

YOU EXPRESSLY REPRESENT AND WARRANT THAT YOU WILL NOT USE ANY PLATFORM CONTENT FOR ANY PURPOSE GOVERNED BY THE FCRA, INCLUDING BUT NOT LIMITED TO MAKING ELIGIBILITY DETERMINATIONS FOR CREDIT, INSURANCE, EMPLOYMENT, OR HOUSING. Any such use is strictly prohibited and may subject you to federal liability independent of these Terms.

7. Fair Housing and Anti-Discrimination Compliance

The Company is committed to compliance with the Fair Housing Act (42 U.S.C. Sections 3601–3619) and all applicable federal, state, and local anti-discrimination laws. You agree that you will not use the Service, or any Platform Content, in any manner that violates the Fair Housing Act or any applicable anti-discrimination law, including but not limited to:

Using neighborhood data, scores, or demographic information to engage in illegal steering, redlining, or discriminatory lending or investment practices.
Refusing to rent, sell, or otherwise deal in real estate based on race, color, national origin, religion, sex, familial status, disability, or any other protected class.
Using Platform Content to facilitate, encourage, or enable any form of housing discrimination.

The Company reserves the right to immediately terminate your account without refund if it determines, in its sole discretion, that you have used or attempted to use the Service in violation of any anti-discrimination law.

8. Subscription, Billing, and Payment

8.1 Subscription Tiers

The Service is offered under the following subscription tiers, subject to pricing in effect at the time of your subscription:

Analyst Tier: Entry-level access to the Underwriting Engine and limited platform features.
Investor Tier: Expanded access including additional modules as made available.
Operator Tier: Full platform access including all available modules and premium data features.

Feature availability by tier is described in the documentation at www.ledgrpro.com and may be updated from time to time at the Company's sole discretion.

8.2 Billing and Renewal

Subscriptions are billed on a recurring basis (monthly or annual, as selected at checkout) via the payment method you provide. By subscribing, you authorize the Company to charge your payment method on a recurring basis until you cancel. All charges are in U.S. dollars.

Annual subscriptions are billed in full at the start of each billing cycle. Monthly subscriptions are billed at the start of each monthly cycle. Subscriptions renew automatically unless cancelled in accordance with Section 9 of these Terms.

The Company reserves the right to modify subscription pricing at any time. Existing subscribers will receive at least 30 days advance written notice of any price increase affecting their current tier. Continued use of the Service after notice of a price change constitutes acceptance of the new pricing.

8.3 Free Trials

The Company may offer free trial periods at its sole discretion. Free trials are available only to new subscribers who have not previously held a paid subscription. At the conclusion of a free trial, your selected subscription tier will automatically activate and your payment method will be charged unless you cancel before the trial ends. The Company reserves the right to modify or discontinue free trial offerings at any time.

8.4 Taxes

Subscription fees do not include applicable sales tax, use tax, value-added tax, or other taxes. You are responsible for all such taxes assessed on your subscription. Where required by law, the Company will collect and remit applicable taxes.

8.5 Failed Payments

If a scheduled payment fails, the Company will attempt to process the charge again within a reasonable period. If payment cannot be collected after reasonable attempts, your account may be suspended or downgraded, and access to the Service may be restricted until payment is received. The Company reserves the right to terminate accounts with sustained payment failures.

9. Cancellation

You may cancel your subscription at any time through your account settings or by contacting support at [email protected]. Cancellation takes effect at the end of the current billing period. You will retain access to the Service through the end of the period for which you have paid.

Cancellation does not entitle you to a refund of any fees already charged, except as expressly stated in the Refund Policy. See Section 10 and the standalone Refund Policy document for complete details.

The Company may cancel or suspend your subscription immediately and without refund if you violate these Terms, engage in fraudulent activity, or use the Service in a manner that causes harm to the Company, other users, or third parties.

10. Refund Policy

All refund requests are governed by the LedgrPRO Refund Policy, which is incorporated herein by reference and constitutes part of these Terms. By subscribing to the Service, you acknowledge that you have read and agree to the Refund Policy. The Refund Policy is available at www.ledgrpro.com/refund and in the standalone document provided with your subscription agreement.

11. Intellectual Property

11.1 Ownership

All content, features, software, designs, algorithms, code, databases, interfaces, and materials comprising the Service ("Company IP") are owned by or licensed to the Company and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms grant you no rights in Company IP except the limited license described in Section 11.2.

11.2 Limited License to Use

Subject to these Terms and your payment of applicable subscription fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your own internal real estate investment analysis purposes during the term of your subscription.

This license does not permit you to: (a) copy, modify, distribute, sell, or lease any part of the Service; (b) reverse engineer, decompile, or attempt to extract source code; (c) access the Service to build a competing product; (d) resell, sublicense, or commercially exploit Platform Content; or (e) use automated tools to scrape, harvest, or bulk-download data from the Service.

11.3 User-Provided Data

Data you upload or enter into the Service, including portfolio performance data and property-specific inputs ("User Data"), remains your property. You grant the Company a limited, non-exclusive, royalty-free license to use, process, and store User Data solely to provide the Service to you and, in anonymized and aggregated form only, to improve the Service's accuracy and models. The Company will not sell your identifiable User Data to third parties.

12. Confidentiality

The Platform Content, including scoring methodologies, data weighting algorithms, underwriting models, and deal signal logic, constitutes proprietary and confidential information of the Company. You agree not to disclose, publish, share, or reproduce Platform Content for commercial purposes or in any manner that could provide competitive advantage to a third party without the Company's prior written consent.

Nothing in this Section prohibits you from sharing specific outputs from the Service (such as an individual property underwriting report) with your accountants, attorneys, lenders, or business partners for legitimate internal investment purposes.

13. Prohibited Uses

You agree not to use the Service to:

Violate any applicable federal, state, local, or international law or regulation.
Transmit any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable.
Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.
Access or use the Service to conduct competitive intelligence against the Company or to develop competing products.
Circumvent, disable, or interfere with security features of the Service.
Use the Service in any manner that could damage, disable, overburden, or impair the Service or servers.
Attempt to gain unauthorized access to any part of the Service, other accounts, or computer systems.
Use any data from the Service to discriminate against any individual or group in violation of applicable law.
Use distressed property data to contact property owners in any manner that violates applicable consumer protection, TCPA, CAN-SPAM, or other communications laws.

14. Disclaimer of Warranties

THE SERVICE AND ALL PLATFORM CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, OR SUITABILITY OF ANY DATA, OUTPUT, ESTIMATE, SCORE, OR ANALYSIS PRODUCED BY THE SERVICE.
WARRANTIES THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR INVESTMENT OUTCOME.

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the fullest extent permitted by law.

15. Limitation of Liability

IMPORTANT: THIS SECTION LIMITS THE COMPANY'S FINANCIAL LIABILITY TO YOU. Read this section carefully. It is a material term of this agreement.

15.1 Exclusion of Consequential Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO:

INVESTMENT LOSSES, FINANCIAL LOSSES, LOSS OF PROFITS, LOSS OF CAPITAL, OR LOSS OF ANTICIPATED GAINS.
LOSSES ARISING FROM RELIANCE ON INACCURATE, INCOMPLETE, OR OUTDATED PLATFORM CONTENT.
LOSSES ARISING FROM PROPERTY ACQUISITION, RENOVATION, RENTAL, OR DISPOSITION DECISIONS MADE USING THE SERVICE.
LOSSES ARISING FROM FAILED INVESTMENTS, BAD DEALS, UNFAVORABLE MARKET MOVEMENTS, OR POOR UNDERWRITING OUTCOMES.
LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS OPPORTUNITY.
LOSSES RESULTING FROM THIRD-PARTY DATA PROVIDER ERRORS, OUTAGES, OR INACCURACIES.

15.2 Aggregate Liability Cap

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

15.3 Essential Basis

You acknowledge that the limitations of liability in this Section 15 are an essential element of the agreement between you and the Company, and that the Company would not provide the Service on the terms set forth herein without such limitations. The pricing of the Service reflects this allocation of risk.

15.4 Applicability

The limitations in this Section apply regardless of the form of action (contract, tort, strict liability, or otherwise), even if the Company has been advised of the possibility of such damages, and even if any limited remedy fails of its essential purpose.

Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, the above limitations apply to the fullest extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, directors, employees, agents, licensors, and service providers 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.
Your use of the Service, including reliance on Platform Content in any investment or business decision.
Your violation of any applicable law or regulation, including the Fair Housing Act or FCRA.
Your infringement of any intellectual property or other rights of any person or entity.
Any claim by a third party arising from your use of or reliance on Platform Content.
Your User Data or the accuracy of representations you make about your use of the Service.

17. Modifications to Terms

The Company reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms at www.ledgrpro.com/terms and, where practicable, by sending notice to the email address associated with your account at least 30 days before the changes take effect.

Your continued use of the Service after the effective date of revised Terms constitutes acceptance of those changes. If you do not agree to the revised Terms, you must cancel your subscription before the effective date of the changes.

18. Modifications to the Service

The Company reserves the right to modify, update, replace, suspend, or discontinue any feature, module, data source, or component of the Service at any time, with or without notice, for any reason including maintenance, improvement, compliance requirements, or data provider changes. The Company shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service or any part thereof.

19. Governing Law and Dispute Resolution

19.1 Governing Law

These Terms and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

19.2 Mandatory Arbitration

EXCEPT FOR DISPUTES QUALIFYING FOR SMALL CLAIMS COURT, ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") UNDER ITS COMMERCIAL ARBITRATION RULES. The arbitration shall take place in Montgomery County, Ohio, or via video conference at the arbitrator's discretion. YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION WITH RESPECT TO ANY DISPUTE COVERED BY THIS SECTION.

19.3 Venue

For any dispute not subject to arbitration, you and the Company consent to personal jurisdiction and exclusive venue in the state and federal courts located in Montgomery County, Ohio.

19.4 Time Limit on Claims

ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE. CLAIMS NOT FILED WITHIN THIS PERIOD ARE PERMANENTLY BARRED.

20. Force Majeure

The Company shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, natural disasters, pandemic, war, civil disturbance, government action, power failure, internet or telecommunications outages, third-party service provider failures, or any other cause beyond the Company's reasonable control.

21. Entire Agreement and Severability

These Terms, together with the Privacy Policy and Refund Policy incorporated herein by reference, constitute the entire agreement between you and the Company with respect to the Service and supersede all prior agreements, representations, and understandings.

If any provision of these Terms is found to be unenforceable, invalid, or void under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

22. Contact Information

For legal inquiries, notices, or questions regarding these Terms:

LedgrPRO, Inc.

Email: [email protected]

Website: www.ledgrpro.com

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