Terms of Service

These Terms of Service ("Terms") are an agreement between you and Ricsam LLC, a Texas limited liability company ("InvestorA", "we", "us"), which operates the website and app at investora.money (the "Service"). By creating an account or using the Service, you agree to these Terms and confirm you have read our Privacy Policy.

Please read Section 17 carefully. It requires most disputes to be resolved by individual arbitration, waives class actions and jury trials, and explains how to opt out within 30 days.

1. Who can use InvestorA

You must be at least 18 years old and able to enter into a binding contract. If you use the Service for a company, you confirm you are authorized to bind it, and "you" includes that company. We may refuse or end access for anyone who does not meet these requirements.

2. What InvestorA is, and what it is not

InvestorA gives real estate investors free tools to analyze deals (flip, rental, BRRRR and new construction), save and compare their analyses, set their own minimum returns, and find or post properties in a marketplace.

InvestorA is not a lender, a mortgage broker or loan originator, a real estate broker or sales agent, an appraiser, an investment adviser, a broker-dealer, an attorney or an accountant. Nothing in the Service is financial, investment, tax, legal, appraisal or lending advice, or an offer or commitment to lend.

The Service is free today. We may add, change or remove features, or start charging for new features, with notice before anything you use becomes paid.

3. Your account

Keep your sign-in details private and tell us at support@investora.money if you think someone else has used your account. You are responsible for activity under your account. Give us accurate information and keep it current. You may have one personal account.

4. The calculators and their results

Every figure the calculators produce is an estimate based on the numbers you enter and on default assumptions you can change. Results can be wrong, incomplete or out of date, and they do not predict what a property will sell for, rent for, appraise at, or what a lender will offer. Verdicts such as "Deal works" or "Rejected" only compare your inputs with the minimums set in your account. Before you make an offer, borrow or invest, do your own due diligence and consult qualified professionals. You are solely responsible for your investment decisions.

5. The marketplace

5.1 We provide a space, not a transaction. The marketplace lets users post properties and lets other users contact them. InvestorA is not a party to any deal between users, does not act as anyone's agent or broker, does not take a commission or fee on any sale, and does not handle money, contracts, inspections or closings.

5.2 We do not verify listings. Listings, photos and figures come from the users who post them. We review listings before they appear and may decline or remove them, but a review is not a verification. We do not guarantee that a listing is accurate, legal, available, or that the person posting it has the right to sell it.

5.3 If you post a listing, you confirm that:

• you own the property, have it under a contract that lets you market it, or are a license holder acting with the owner's written permission;
• if you hold only a contract or option (for example, as a wholesaler), you say so clearly in the listing and comply with Texas Occupations Code §1101.0045 and any other law that applies to marketing an equitable interest;
• if you hold a real estate license, the listing complies with the advertising rules of the Texas Real Estate Commission (TREC) or of your state's regulator, including showing your broker's name where required;
• the description, figures and photos are accurate and not misleading, and you have the right to use every photo;
• the listing complies with the federal Fair Housing Act and all other fair housing laws, and does not state or imply any preference or limitation based on a protected characteristic;
• you will take the listing down or mark it sold once it is no longer available.

5.4 If you contact a publisher, your name, your email address and your message are sent to the publisher by email so they can reply to you directly, together with your phone number only if you choose to share it. The publisher's contact details are not shown publicly on InvestorA; a publisher may choose to share their name, phone, email and the property's exact address with you after you contact them. What happens next is between you and the publisher.

5.5 Moderation. We may decline, return, hide or remove any listing, and suspend any account, at our discretion, including for suspected inaccuracy, fraud, rights violations or breach of these Terms.

6. Financing requests and our affiliate

From a saved analysis, or from the Financing page, you may choose to send a financing request to Black Diamond Capital, a d/b/a of BD Flip Texas LLC ("BDC"). BDC and Ricsam LLC share an owner. Please note:

• Sending a request is optional and is not a loan application. It does not involve a credit check.
• When you send it, the answers and deal figures shown on the request screen leave InvestorA and go to BDC. From then on, BDC's own terms and privacy policy govern how BDC uses them.
• BDC arranges business-purpose loans for investment properties only (such as hard money, construction and refinance loans). It does not arrange loans for a home you live in or plan to live in, and you confirm your request is for an investment property.
• BDC may be paid by a lender when a loan closes. InvestorA receives no payment for your request. Neither InvestorA nor BDC guarantees approval, rates or terms, which come only from lenders. You are free to use any lender.
• BDC writes to you by email. It may call or text you, including by WhatsApp or automated means, only if you separately agree to that on the request form. That agreement is not a condition of anything, and you can reply STOP at any time.

7. Messages we send you

We send service emails that are part of using InvestorA, such as account confirmations, password resets, listing review results, messages from other users, a publisher's contact details when they share them with you, and updates on your financing requests. You cannot opt out of these while your account is open. We also send two optional emails, which you can turn off at any time in Account or with the link in each of them: a daily email of new listings that match your saved searches, sent only when there is something new; and, if you publish a listing, a reminder every 30 days to confirm that it is still available. A listing never comes down because a reminder went unanswered. We do not send marketing email today; if we start, each one will include a way to unsubscribe.

8. Your content

"Your content" is anything you add to the Service: analyses, notes, listings, photos and messages. You keep ownership of it. You grant Ricsam LLC a worldwide, non-exclusive, royalty-free license to host, store, copy, display, resize and adapt your content as needed to operate, show and improve the Service. For listings, that license includes showing them publicly in the marketplace while they are published. The license ends when you delete the content or your account, except for copies other users already received and copies we must keep under Section 15 or the Privacy Policy.

Your saved analyses are private to your account. We may use anonymous, aggregated statistics (for example, how many analyses were run) that do not identify you.

9. Things you may not do

You may not: post false, misleading or fraudulent listings or bait-and-switch offers; post property you have no right to market; use another person's photos or content without permission; harass, threaten or spam other users; collect other users' data or contact details for purposes unrelated to a listing; use the Service for any discriminatory purpose; scrape, copy or resell the Service or its data with automated tools; interfere with or try to break its security; create accounts to get around a suspension; or use the Service in any way that violates the law.

10. Our intellectual property

The Service, including its software, design, calculators, text and the InvestorA name and logo, belongs to Ricsam LLC or its licensors. We give you a personal, non-transferable right to use the Service under these Terms. You may not copy, modify or reverse-engineer it except as the law allows.

11. Copyright complaints (DMCA)

If you believe content on InvestorA infringes your copyright, send a notice to our designated agent that includes: your signature; identification of the work; the location of the infringing material (for example, the listing URL); your contact information; a statement of good-faith belief that the use is not authorized; and a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner.

Copyright Agent: Ricsam LLC, Attn: Copyright Agent · support@investora.money (subject: "DMCA notice")

If your content was removed and you believe it was a mistake, you may send a counter-notice as described in 17 U.S.C. §512(g). We terminate the accounts of repeat infringers in appropriate circumstances.

12. Other services

The Service may link to or rely on services run by others, including BDC. We are not responsible for them, and their terms apply to your use of them.

13. Closing your account; suspension

You can delete your account at any time from your Account page. Deletion is immediate and permanent and works as described in the Privacy Policy. We may suspend or close your account, or remove content, if you breach these Terms, if required by law, or to protect users or the Service. If your account is suspended, you can contact support@investora.money.

14. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT ALLOWED BY LAW, RICSAM LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY CALCULATION IS CORRECT, OR THAT ANY LISTING OR USER IS GENUINE.

15. Limits on our liability

TO THE FULLEST EXTENT ALLOWED BY LAW: (a) RICSAM LLC AND ITS MEMBERS, MANAGERS AND EMPLOYEES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DEALS OR INVESTMENT LOSSES, ARISING FROM THE SERVICE, ANY CALCULATION, ANY LISTING, OR ANY DEALINGS WITH OTHER USERS OR WITH BDC; AND (b) OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE IS LIMITED TO ONE HUNDRED U.S. DOLLARS (US$100). Some laws do not allow these limits, so they apply to you only as far as the law permits. Nothing in these Terms limits rights you have under the Texas Deceptive Trade Practices Act that cannot be waived.

16. Indemnity

You will defend and indemnify Ricsam LLC against claims, losses and costs (including reasonable attorneys' fees) arising from your content, your listings, your dealings with other users, or your breach of these Terms or of the law.

17. Disputes: informal resolution and arbitration

17.1 Talk to us first. Before starting any claim, send a written description of it to support@investora.money. We will try to resolve it within 60 days.

17.2 Arbitration. If we cannot resolve it, you and Ricsam LLC agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The Federal Arbitration Act governs this Section. The arbitrator may award the same individual relief a court could. Unless the arbitrator finds your claim frivolous, we will pay the AAA filing, administration and arbitrator fees beyond what you would pay to file in court. Hearings may be held by video or in the county where you live.

17.3 Exceptions. Either of us may bring an individual claim in small claims court instead, and either of us may ask a court to stop infringement or misuse of intellectual property.

17.4 No class actions or jury trials. Claims may be brought only individually, not as a plaintiff or class member in any class, collective or representative proceeding. You and Ricsam LLC each waive the right to a jury trial.

17.5 Opting out. You may opt out of this Section 17 within 30 days of first accepting these Terms by emailing support@investora.money with the subject "Arbitration opt-out" and the email address of your account. Opting out does not affect any other part of these Terms.

17.6 Changes to this Section. If we change this Section 17, the change will not apply to any dispute that arose, or that either of us had notice of, before the change takes effect, and you may reject the change by emailing us within 30 days of notice of it.

18. Governing law and venue

Texas law governs these Terms, without regard to conflict-of-law rules, together with the Federal Arbitration Act for Section 17. Any matter not subject to arbitration will be heard in the state or federal courts located in Montgomery County, Texas, and you and we consent to their jurisdiction.

19. Changes to these Terms

We may update these Terms. Each version shows its date, and we keep a record of which version you accepted. If a change is material, we will tell you by email or in the app before it takes effect. Continuing to use the Service after a change takes effect means you accept it, except as stated in Section 17.6.

20. General

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any part is unenforceable, the rest stays in effect. Our not enforcing a provision is not a waiver. You may not transfer these Terms; we may transfer them in connection with a merger, acquisition or sale of assets. If a translation of these Terms is provided, the English version controls.

21. Contact

Ricsam LLC · support@investora.money