Terms of Service
Last Updated: November 15, 2024
Welcome to Closing.wtf ("the Service"), owned and operated by Aaron Landy Consulting LLC ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the Service. By accessing or using the Service, you ("User" or "you") agree to comply with and be bound by these Terms, including the mandatory arbitration provision and class action waiver described below. If you do not agree with any part of these Terms, please do not use the Service.
- You have read and understand these Terms.
- You are at least 18 years old and legally capable of entering into these Terms.
- You understand that the Service is provided for informational purposes only and does not constitute professional financial, legal, or investment advice.
You agree to indemnify, defend, and hold harmless Closing.wtf, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, liabilities, claims, demands, and costs, including reasonable attorneys' fees, resulting from:
- Your violation of these Terms
- Your use of the Service
- Any content you submit, post, or transmit through the Service
- Your violation of any rights of another party
- Your violation of any applicable laws, rules, or regulations
This indemnification obligation will survive the termination or expiration of these Terms and your use of the Service.
We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Changes to these Terms will be effective immediately upon posting on our website. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically for any updates.
You agree to:
- Use the Service only for lawful purposes and in accordance with these Terms.
- Provide accurate, complete, and up-to-date information when creating an account or making a purchase.
- Maintain the security and confidentiality of your account credentials.
- Immediately notify us of any unauthorized use of your account or any other breach of security.
- Refrain from copying, distributing, or disclosing any part of the Service in any medium.
- Not use any automated systems, including "robots," "spiders," or "offline readers," to access the Service.
- Account Responsibility: You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device.
- Account Security: You agree to accept responsibility for all activities that occur under your account or password.
- Account Termination: We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our sole discretion.
- Pricing: All prices are listed in U.S. dollars and are subject to change without notice.
- Payment Methods: We accept payment via credit cards and PayPal.
- Billing Information: You agree to provide current, complete, and accurate billing information.
- Taxes: Prices do not include applicable taxes, levies, or duties imposed by taxing authorities. You are responsible for paying any such taxes.
- Detailed Analysis Tier: We offer a 100% money-back guarantee for the Detailed Analysis tier if you are not satisfied with the Service. Refund requests must be made within 14 days of purchase and are subject to our approval.
- Bulk/Enterprise Tier: Refunds for Bulk/Enterprise services are governed by the terms of the individual contract agreements and are not covered by the standard refund policy.
- Non-Refundable Items: Except as expressly stated, all fees are non-refundable.
The Service provides information and insights based on an analysis of mortgage-related documents. However:
- No Professional Advice: The insights, recommendations, and scores generated by the Service are for informational purposes only and do not constitute financial, legal, investment, or mortgage advice.
- Independent Verification: You agree that you are solely responsible for independently verifying any insights or recommendations provided by the Service before making any financial decisions.
- No Fiduciary Duty: Your use of the Service does not create a fiduciary relationship between you and Closing.wtf.
Disclaimer of Warranties
- "AS IS" Basis: The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied.
- No Warranty of Accuracy: We make no warranty that the Service will be accurate, reliable, uninterrupted, secure, or error-free.
- No Endorsement: Any references to third-party products, services, or links to third-party websites do not constitute or imply an endorsement or recommendation by us.
Limitation of Liability
To the maximum extent permitted by applicable law:
- Exclusion of Damages: Closing.wtf, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
- Cap on Liability: Total liability shall not exceed the amount paid to Closing.wtf in the last twelve (12) months, or $100, whichever is greater.
- Third-Party Actions: We are not liable for any actions or inactions of third parties.
- Any unlawful purpose or promotion of illegal activities.
- Impersonating any person or entity or misrepresenting your affiliation.
- Uploading content that infringes proprietary rights.
- Transmitting any harmful code or destructive items.
- Interfering with the Service's integrity or performance.
Ownership:
All content, features, and functionality (including but not limited to information, software, text, displays, images, video, and audio) are the exclusive property of Closing.wtf and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
License to Use:
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to use the Service for personal, non-commercial use.
Restrictions:
You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service.
Limited Third-Party Content:
While we strive to minimize third-party content and services as part of our company policy, the Service may occasionally contain links to third-party websites or services that are not owned or controlled by Closing.wtf.
No Endorsement:
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
Assumption of Risk:
You acknowledge and agree that Closing.wtf shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with use of any third-party content, goods, or services.
Your privacy is important to us. Our Privacy Policy, incorporated into these Terms, explains how we collect, use, and protect your personal information.
We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Effect of Termination:
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of California, without regard to its conflict of law provisions.
Arbitration Clause:
Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, conducted in San Francisco, California, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.
Injunctive Relief:
Notwithstanding the foregoing, Closing.wtf reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights or proprietary rights.
We make no representation that the Service is appropriate or available for use in locations outside of the United States, and accessing the Service from territories where the content is illegal is prohibited. If you access the Service from other locations, you do so at your own initiative and are responsible for compliance with local laws.
By using the Service, you consent to receive electronic communications from us. These communications may include notices about your account and information concerning or related to the Service. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.
We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including but not limited to mechanical, electronic, or communications failure or degradation.
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you but may be assigned by Closing.wtf without restriction.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Closing.wtf's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Closing.wtf concerning your use of the Service and supersede any prior agreements, negotiations, or communications, whether written or oral, between you and Closing.wtf.
Email: team@closing.wtf. We will get back to you within 24-48 hours.