Terms of Service

Door Pirate (the “Service”) is operated by TODO: registered legal name, entity type, and state of formation, of TODO: registered business address (“we”, “us”). By creating an account, subscribing, or using the Service you agree to these Terms. If you do not agree, do not use the Service.

You must be at least 18 years old and able to form a binding contract. If you use the Service on behalf of a company, you confirm you are authorised to bind it.

Door Pirate is a research and analysis tool. It aggregates publicly available for-sale real-estate listings and U.S. Department of Housing and Urban Development (HUD) Fair Market Rent data, and applies our own calculations to estimate how a property might perform under the Housing Choice Voucher (Section 8) program.

The output is an estimate produced by a model, from third-party data, using assumptions you can change. It is not an appraisal, an inspection, a valuation, a rent determination, or a statement of fact about any property.

Nothing on the Service is financial, investment, tax, accounting, legal, appraisal, or real-estate brokerage advice, and nothing on it is a recommendation, solicitation, or offer to buy or sell any property or security.

We are not your broker, agent, fiduciary, adviser, or attorney, and no such relationship is created by your use of the Service. We are not a licensed real-estate brokerage, a registered investment adviser, a mortgage lender, or a public housing agency, and we are not affiliated with HUD or with any public housing agency.

You are solely responsible for your own due diligence and for every decision you make. Before acting on anything you see here, verify it independently and consult qualified professionals of your own.

Real-estate investing carries risk, including the total loss of your investment. Cashflow estimates, cap rates, cash-on-cash returns, scores, rankings, and county trends are projections based on assumptions that will not hold exactly. Past or modelled performance does not predict future results.

We do not guarantee any return, any rent, any voucher approval, any tenant placement, or any outcome of any kind. A property’s eligibility for the voucher program, the rent a housing agency will actually approve, and the payment standard applied are determined by that agency — not by us and not by our estimates.

Listing data, property attributes, photographs, and agent and brokerage contact details come from third-party sources and from public records. HUD Fair Market Rent figures come from HUD and are updated on HUD’s schedule. Geographic boundaries come from U.S. Census TIGER data.

This data may be incomplete, out of date, mis-keyed, mis-located, or simply wrong at the source, and our coverage is not exhaustive — a property being absent from the Service means nothing about that property. Listings may be under contract, sold, or withdrawn before our data reflects it. We do not independently verify third-party data and we make no warranty as to its accuracy, completeness, currency, or fitness for any purpose. Always confirm against the listing agent, the county records, and the relevant housing agency.

You need an account and an active subscription to use the product surfaces. Keep your credentials confidential; you are responsible for everything done under your account.

Accounts are for one person. Do not share, sell, or transfer your credentials, and do not let other people use your seat. Tell us promptly at TODO: security contact email if you suspect unauthorised access.

• ·Paid access. The Service is offered on a single paid subscription, billed monthly. Current pricing is shown on the pricing page and is confirmed on the checkout page before you pay. If we add another billing term in future, its price and term are shown at checkout before you pay for it.
• ·Auto-renewal. Subscriptions renew automatically at the end of each billing term — today that is every month — and your payment method is charged the then-current price for the new term, until you cancel. By subscribing you authorise these recurring charges.
• ·Cancelling. You may cancel at any time from Settings → Billing. Cancellation stops the next renewal; your access continues until the end of the term you have already paid for. See the Refund & Cancellation Policy.
• ·Payment processing. Payments are processed by Stripe, Inc. We never receive or store your full card number. Your use of checkout is also subject to Stripe’s terms.
• ·Failed payments. If a charge fails we may retry it and may suspend access until payment succeeds.
• ·Price changes. We may change prices. A change applies to your next renewal, and we will give you at least TODO: notice period for price changes — 30 days is the common default notice beforehand so you can cancel first.
• ·Taxes. Prices exclude sales, use, VAT, and similar taxes. You are responsible for any such taxes that apply to your purchase.

You agree not to, and not to help anyone else:

• ·Scrape, crawl, harvest, or systematically extract data from the Service, or use any bot, script, or automated means to access it.
• ·Bulk-download, export, republish, redistribute, resell, sublicense, or otherwise make the data or scores available to anyone outside your account.
• ·Share account credentials, or provide access to people who do not hold their own subscription.
• ·Circumvent or probe any rate limit, result cap, access control, or authentication mechanism.
• ·Reverse engineer, decompile, or attempt to derive our scoring methodology, weights, or underlying data sets.
• ·Use the Service to build or train a competing product, data set, or model.
• ·Use contact details of listing agents or brokerages obtained through the Service for spam, bulk marketing, or any purpose prohibited by law (including the TCPA, CAN-SPAM, and applicable do-not-call rules).
• ·Use the Service unlawfully, or in a way that damages, overloads, or impairs it.

Access to the Service is subject to fixed result caps and pagination limits. We may also monitor for abnormal access patterns, and may throttle, suspend, or terminate accounts that breach this section.

The Service concerns housing. You must comply with the Fair Housing Act, the Equal Credit Opportunity Act, and all applicable federal, state, and local fair-housing and source-of-income laws. Do not use the Service, its data, or its outputs to discriminate against any person or to steer, exclude, or target anyone on the basis of a protected characteristic. Where local law protects source of income, refusing a voucher holder may itself be unlawful. Compliance is your responsibility.

The Service, its software, its interface, and — importantly — our scores, rankings, weightings, derived metrics, and county time-series are owned by us or our licensors and are protected by intellectual-property law. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use them for your own real-estate investment research while your subscription is active. Underlying third-party data remains the property of its owners.

Content you enter — your saved deals, notes, assumptions, and portfolio records — remains yours. You grant us the licence needed to host, process, back up, and display it to you in order to operate the Service.

The Service displays information about properties, listing agents, and brokerages that we did not create and do not control, and it may link to third-party sites. We do not endorse, recommend, vet, or vouch for any agent, brokerage, property, lender, or housing agency shown, and we are not responsible for your dealings with them. See the Privacy Policy for where this data comes from and how to request a correction or removal.

You may stop using the Service at any time and cancel from Settings. We may suspend or terminate your access if you breach these Terms, if your payment fails, if we suspect fraud or credential sharing, or if we are required to by law. We may also discontinue the Service or any feature; if we discontinue it entirely during a term you have prepaid, we will refund the unused portion of that term.

The Service and all data, scores, and estimates are provided “as is” and “as available”, without warranty of any kind. To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty as to accuracy, completeness, currency, availability, or uninterrupted or error-free operation.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost data, lost opportunity, or property acquired, retained, or disposed of in reliance on the Service, even if we were advised of the possibility.

Our total aggregate liability arising out of or relating to the Service will not exceed the greater of the amounts you paid us in the TODO: liability cap look-back period — 12 months is the common default immediately before the event giving rise to the claim, or one hundred U.S. dollars (US$100).

Nothing here limits liability that cannot be limited by law, including for fraud or fraudulent misrepresentation.

You will indemnify and hold us harmless from claims, losses, and reasonable legal costs arising from your use of the Service, your breach of these Terms, your violation of law (including fair-housing law), or your investment or property decisions.

We may update these Terms. If a change is material we will give notice in the product before it takes effect. Continued use after the effective date means you accept the updated Terms; if you do not, cancel your subscription.

These Terms are governed by the laws of TODO: governing-law state, excluding its conflict-of-laws rules, and the exclusive venue for any dispute is the state and federal courts located in TODO: county and state for exclusive venue.

TODO: decide whether to add a binding-arbitration clause and a class-action waiver — this draft deliberately contains NEITHER, because both are consequential and consumer-arbitration clauses are enforceable only if drafted correctly

If any provision is held unenforceable, the rest remains in force. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor in a merger or sale of assets. These Terms, with the Privacy Policy and the Refund & Cancellation Policy, are the entire agreement between us about the Service.

Questions about these Terms: get in touch.