Last updated: October 5, 2026
Terms of Service
These Terms contain an arbitration agreement and a class-action waiver in section 15. They affect how disputes are resolved, and you can opt out of them within 30 days.
Important — Not a Consumer Report
Fclosure is not a consumer reporting agency as defined by the federal Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), and the information we provide is not a consumer report. You may not use the Service or any data from it, in whole or in part, to make decisions about a consumer's eligibility for credit or insurance, employment, housing or tenant screening, or for any other purpose covered by the FCRA. The data describes public real-estate filings, is provided for informational purposes only, and may be incomplete or inaccurate.
Fclosure is a private company and is not affiliated with, endorsed by, or acting on behalf of any county clerk, appraisal district, court, or other government agency. All source records remain public records of their respective Texas counties.
1. Acceptance of Terms
By accessing or using Fclosure ("the Service"), operated by Fclosure LLC, a Florida limited liability company with its mailing address at 12550 Biscayne Blvd, Suite 401, North Miami, FL 33181 ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
2. Description of Service
Fclosure aggregates publicly available foreclosure notice data from Texas county clerk records, including Notice of Trustee's Sale filings, Appointments of Substitute Trustee, Deeds of Trust, and the trustee's deeds recorded after a sale. We also read federal bankruptcy filings, which can stop a scheduled auction. The Service provides property data enrichment from county appraisal districts and presents this information through a web-based dashboard with map and table views.
We currently cover 76 Texas counties. County coverage, data fields, and features change over time — see section 11. The list of counties available on each plan is shown on the pricing page.
3. No Financial or Legal Advice
The Service is an informational tool only. Nothing on this website constitutes financial, legal, investment, or real estate advice. All data is provided on an "as-is" basis without warranty of any kind, express or implied. We make no representations regarding the accuracy, completeness, or timeliness of the data displayed. You should consult qualified professionals before making any real estate investment decisions.
4. Data Accuracy Disclaimer
The information displayed is derived from public records and may contain errors introduced during county filing, OCR processing, or data extraction. Property valuations come from county appraisal districts and are not our own assessments. Equity estimates are approximate and should not be relied upon as definitive. We do not guarantee that all notices have been captured or that the data is current.
5. Accounts and Registration
To access certain features, you must create an account by providing a valid email address and password, or by authenticating through a third-party provider (Google OAuth). You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
6. Early Access Period
The launch period during which every account, including free accounts, had access to all counties and every data field ended on October 1, 2026.
Since October 1, 2026, the Free plan has been limited to one county of your choosing and to a reduced set of fields; computed figures such as the estimated equity and the recorded loan amount, data export, saved-search alerts and the watchlist moved to the paid plans. Nothing you have paid for is affected by this change, and we will not charge a payment method that you have not given us.
7. Subscription Plans and Billing
The Service offers the following plans: Free ($0), Starter ($39/month or $421/year), Pro ($66/month or $713/year). Prices are in U.S. dollars, and the price shown is the full amount we charge — we do not currently add sales tax to it. The features included in each plan are described on the pricing page.
Paid plans renew automatically. A monthly plan renews every month and an annual plan renews every year, on the same date, until you cancel. An annual plan is a single payment for twelve months in advance, not twelve smaller payments. By subscribing you authorize us to charge your payment method on that recurring basis, at the price then in effect for your plan, until you cancel. When you subscribe we email you the terms you agreed to. Before each renewal of an annual plan we email you a reminder about 35 days ahead, and a monthly plan gets a reminder once a year, each with the amount, the renewal date and how to cancel. Your next renewal date, your invoices and the cancel button are in the Stripe billing portal, which you open from your billing settings.
There is no free trial: a paid plan starts charging when you subscribe. Where we offer an introductory price, it applies to the first billing period only; checkout states it together with the regular price, which applies from the first renewal. Payments are processed by Stripe; we do not receive or store your card number. If we change the price of a plan, the new price never applies to a period you have already paid for — it takes effect at a later renewal, and we will tell you by email before it does.
Changing plans. You move between paid plans in the same billing portal, not by subscribing a second time — a second subscription is refused. The new plan's access begins immediately, and Stripe adjusts the difference on your next invoice rather than as a separate charge or refund.
8. Cancellation, Failed Payments and Refunds
You may cancel at any time through your account settings or the Stripe billing portal. Cancellation takes effect at the end of the period you have already paid for: you keep your paid features until that date, you are not charged again, and no part of the current period is refunded. Your account then returns to the Free plan: it is not closed and nothing you saved is deleted, though features that belong to a paid plan — including saved-search alerts and the watchlist — stop being available to you.
If a renewal payment fails, paid features stop being available immediately — from the first unsuccessful attempt, not after Stripe has finished retrying. Stripe retries the charge for a limited period; access returns within minutes of a payment succeeding, and you can update your card at any time in the billing portal. If no payment succeeds, the subscription ends and the account stays on the Free plan.
We do not offer prorated refunds for partial periods. A refund does not by itself end a subscription — where we refund a charge we will also cancel the subscription, and paid access ends that day. If you believe you were charged in error, or you were charged after cancelling, write to support@fclosure.com within 30 days of the charge and we will review it. Nothing here limits any refund or cancellation right you have under the law of the state where you live.
9. Acceptable Use
You agree not to, and not to permit any third party or automated agent to:
- Access, scrape, crawl, spider, harvest, index, or copy the Service or any of its data by any automated means — including bots, scripts, headless browsers, or data-mining tools — except through a feature we provide for that purpose, such as the CSV export included with the Pro plan, and within its documented limits
- Bulk-download, systematically retrieve, cache, mirror, or store the data, or accumulate it to reconstruct or approximate all or a substantial part of our database or its selection and arrangement
- Circumvent, disable, or interfere with any rate limit, access control, authentication, robots directive, or other technical protection measure
- Redistribute, resell, sublicense, publish, or make the data available to any third party, or use it to build, train, or improve any competing product, dataset, index, or service
- Use the Service or its data to train, fine-tune, or develop any machine-learning or artificial-intelligence model, or for any generative-AI ingestion
- Attempt to reverse-engineer, decompile, or disassemble any part of the Service
- Use the Service for any unlawful purpose, for any purpose prohibited by the FCRA notice above, or to harass property owners or borrowers
- Interfere with or disrupt the Service or its infrastructure, or impose an unreasonable or disproportionately large load on it
- Share account credentials or allow multiple users to access a single account
These restrictions are contractual conditions of access. Although the underlying county filings are public records, your right to access this Service and the form in which we present, compile, enrich, and deliver the data is governed by these Terms; unauthorized automated access or bulk extraction is a breach of this agreement and may also violate applicable computer-fraud and other laws.
10. Intellectual Property
The Service — including its software and code, design, user interface, text, guides, scoring and analytics, and documentation — is owned by us and protected by copyright and other intellectual-property laws. The individual underlying facts drawn from county public records are not owned by us; however, our original selection, arrangement, enrichment, and compilation of that data, and our presentation of it, are our protected work product. All rights not expressly granted are reserved. Your use of the Service does not transfer any ownership or license beyond the limited, revocable right to use the Service under these Terms.
11. Modifications to Service
We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time, with or without notice. We may update data sources, change county coverage, adjust rate limits, or alter feature availability across tiers. Continued use of the Service after modifications constitutes acceptance of those changes.
12. Usage Data
We collect usage data — page views, search queries and feature usage — to improve the Service. Some of it is linked to your account rather than anonymous. It is used for analytics, performance monitoring, and product development. See our Privacy Policy for full details.
13. Limitation of Liability
To the maximum extent permitted by law, Fclosure LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.
To the same extent, our total liability for all claims relating to the Service or these Terms is limited to the greater of the amount you paid us for the Service in the twelve months before the event giving rise to the claim, or one hundred U.S. dollars. Some states do not allow these exclusions or limits, so they may not apply to you in full.
14. Indemnification
You agree to indemnify and hold harmless Fclosure LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.
15. Governing Law and Dispute Resolution
Please read this section carefully. It requires you and us to resolve most disputes by individual arbitration, not in court, and it waives class actions and jury trials. You can opt out within 30 days, as described below.
Governing law. These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules, and this section is governed by the Federal Arbitration Act. Nothing in these Terms takes away a protection that the consumer law of the state where you live gives you and does not allow you to waive.
Talk to us first. Before starting an arbitration or a court case, the party with the claim must send the other a written notice describing it and the relief sought — you to support@fclosure.com or by mail to Fclosure LLC, 12550 Biscayne Blvd, Suite 401, North Miami, FL 33181; we to the e-mail address on your account — and both of us will try in good faith to resolve it for 60 days.
Arbitration. If it is not resolved, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before a single arbitrator. The hearing may be held by video or telephone, or in person in the county where you live. For any claim you bring, we will pay all AAA filing, administration and arbitrator fees beyond the filing fee the Consumer Rules assign to you. The arbitrator may award any individual relief a court could, and the award may be entered in any court with jurisdiction. If 25 or more similar demands are filed against us by or with the help of the same law firm or group, the AAA’s Mass Arbitration Supplementary Rules apply.
Exceptions. Either of us may bring an individual claim in small claims court instead. And either of us may ask a court for an injunction against unauthorized access to the Service, scraping, or infringement of intellectual property.
No class actions; no jury. You and we may bring claims against each other only in an individual capacity, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not combine claims of different people. You and we both waive a jury trial. If this class-action waiver is found unenforceable for a particular claim, that claim (and only that claim) goes to court, and it does not go to class arbitration.
Opting out. You can reject this arbitration agreement by writing to support@fclosure.com within 30 days after you first accept these Terms (or, if you already had an account on September 23, 2026, within 30 days after that date), giving your name, the e-mail address on your account and a clear statement that you opt out of arbitration. Opting out does not affect the rest of these Terms.
Courts. Any dispute that is not arbitrated will be heard only in the state or federal courts located in Miami-Dade County, Florida, and you and we consent to their jurisdiction — except that small claims may be brought where you live.
When this applies. This section applies to disputes that arise on or after September 23, 2026. Disputes that arose earlier remain governed by the terms in effect when they arose.
16. Changes to Terms
We may update these Terms from time to time. Material changes will be communicated via email or a notice on the Service. Your continued use after changes become effective constitutes acceptance of the updated Terms. A change to section 15 takes effect no sooner than 30 days after we give notice of it, and never applies to a dispute that arose before it took effect.
17. Suspension and Termination
You may stop using the Service at any time, cancel a paid plan as described in section 8, and ask us to delete your account by writing to us. We may suspend or end your access, with or without notice, if you breach these Terms — in particular section 9 — if we reasonably suspect fraud or abuse, or if the law requires it. If we end a paid plan for one of those reasons, no refund is due. If we end it for any other reason, we will refund the unused part of the period you have paid for. Sections 3, 4, 10, 13, 14 and 15, and anything else that by its nature should survive, survive the end of these Terms.
18. General
These Terms, together with the Privacy Policy and the prices shown when you subscribe, are the entire agreement between you and us about the Service. If a provision is found unenforceable, the rest remains in effect (section 15 sets its own rule for the class-action waiver). Our not enforcing a provision is not a waiver of it. You may not transfer these Terms; we may transfer them in connection with a merger, acquisition or sale of the business. Notices to you may be sent to the e-mail address on your account.
19. Contact
Fclosure LLC, 12550 Biscayne Blvd, Suite 401, North Miami, FL 33181. If you have questions about these Terms, please contact us at support@fclosure.com.