Terms of Service

1. Acceptance of Terms

By accessing or using Fclosure ("the Service"), operated by Fclosure LLC ("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, and Deeds of Trust. The Service provides property data enrichment from county appraisal districts and presents this information through a web-based dashboard with map, table, and card views.

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. Subscription Plans and Billing

The Service offers tiered subscription plans: Free, Pro ($29/month), and Premium ($79/month). Paid subscriptions are billed monthly and auto-renew at the end of each billing cycle unless cancelled.

Payments are processed securely through Stripe. We do not store your credit card information on our servers. By subscribing, you authorize us to charge your payment method on a recurring basis.

7. Cancellation and Refunds

You may cancel your subscription at any time through your account settings or the Stripe billing portal. Upon cancellation, you will retain access to your paid tier features until the end of the current billing period. We do not offer prorated refunds for partial billing periods. The Free tier remains accessible after cancellation.

8. Acceptable Use

You agree not to:

• Scrape, crawl, or use automated means to access the Service beyond the provided API (Premium tier)
• Redistribute, resell, or sublicense the data without our written consent
• Attempt to reverse-engineer, decompile, or disassemble any part of the Service
• Use the Service for any unlawful purpose or to harass property owners or borrowers
• Interfere with or disrupt the Service or its infrastructure
• Share account credentials or allow multiple users to access a single account

9. Intellectual Property

The Service, including its design, features, code, and documentation, is our intellectual property. The underlying public records data remains in the public domain. Your use of the Service does not grant you ownership of any intellectual property rights in the Service itself.

10. 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.

11. Usage Data

We collect anonymized usage data (page views, search queries, feature usage) to improve the Service. This data is used for analytics, performance monitoring, and product development. See our Privacy Policy for full details.

12. 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.

13. 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.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Dallas County, Texas.

15. 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.

16. Contact

If you have questions about these Terms, please contact us at support@fclosure.com.