Terms of Service

Last updated: August 20, 2026

The short version

The detail matters, but here's the shape of it before you read 3,000 words.

Your work is yours. We claim no ownership of your appraisals and no right to use them for anything except running the software for you. We don't train AI on them and we don't sell them.
You're the appraiser, not us. Appraisio produces drafts and calculations. Every number and every word that leaves in your report is your professional judgment and your responsibility.
Cancel whenever. No contracts, no cancellation fees. You keep access through the period you already paid for. We don't do refunds.
We won't delete your work out from under you. Cancel and your data stays readable for 90 days so you can export it.
Disputes go to arbitration, individually — but small claims court stays open to both of us, and you can opt out of arbitration entirely within 30 days.

1. Who we are, and what you're agreeing to

Appraisio is operated by Appraisio, LLC, a Delaware limited liability company ("Appraisio", "we", "us"). These Terms are the agreement between you and us for use of the Appraisio website, web application, and mobile apps (together, the "Service").

By creating an account or using the Service, you accept these Terms. If you're accepting on behalf of a firm, you're confirming you have authority to bind it, and "you" means both you and that firm.

If you don't agree, don't use the Service.

2. What Appraisio is — and what it isn't

Appraisio is software that helps licensed appraisers develop and produce appraisal reports: form completion, sketching, comparable selection, market analysis, PDF and MISMO/UAD export, and delivery.

Appraisio is a tool, not an appraiser. We are not an appraisal management company. We don't perform appraisals, we don't review your work for compliance, we don't assign engagements, and we are not a party to your relationship with your client or any lender.

Nothing the Service produces is an appraisal until you — a licensed professional exercising independent judgment — adopt it, sign it, and issue it. Your obligations under USPAP, your state licensing board, and your client engagement are entirely yours and are not changed, reduced, or shared by using this software.

3. Your account

You need to be at least 18 and legally able to enter a contract. The Service is built for licensed or certified real estate appraisers and their staff, and you're responsible for holding whatever credentials your work requires.

One account is one person. Accounts are individual and named — don't share logins. If your firm has several appraisers, each needs their own account. You're responsible for everything done under your account, so keep your password and signing PIN to yourself and tell us promptly at support@appraisio.ai if you think someone else has them.

Your signing PIN authorizes report signatures in your name. Treat it like your wet signature, because that's what it stands in for.

4. Your data belongs to you

This is the section we'd want to read first, so we've put it early and written it plainly.

You own your content. Your appraisals, form data, notes, photographs, sketches, documents, templates, saved comparables, and market data — all yours. We claim no ownership of any of it.

The only license you give us is the one needed to run the software. You grant us a limited, non-exclusive, worldwide license to host, store, copy, transmit, display, and process your content solely to operate and provide the Service to you, and to our infrastructure vendors solely so they can do their part of that job. That license ends when you delete the content or your account.

To be explicit about what we are not taking, because others in this industry do:

We do not take a perpetual, irrevocable, or sublicensable license to your content.
We do not claim ownership of "derived data", "aggregated statistics", or "data products" built from your files.
We do not use your content to train, fine-tune, or evaluate any AI model.
We do not sell, license, or share your content, in identified or anonymized form, with anyone.

None of that changes based on whether you're on a paid plan, a free trial, or a beta program.

You are responsible for having the right to give us what you upload — including personal information about property owners, occupants, and contacts. Your confidentiality duties under USPAP are yours to keep; we've built the Service so that using it doesn't require you to breach them.

5. What you can't do

Use the Service for lawful appraisal work and you'll never bump into this section. Specifically, don't:

Resell, sublicense, or provide the Service to people who aren't authorized users on your account.
Share a single account among multiple appraisers.
Copy, decompile, reverse-engineer, or try to extract our source code.
Scrape the Service, or access it by automated means we haven't authorized.
Upload malware, or anything unlawful or infringing.
Attack, probe, or attempt to circumvent the security of the Service or other users' data.
Use the Service to produce a report you know to be false or misleading, or to violate USPAP, fair housing law, or appraiser independence rules.
Misrepresent your licensure, or sign a report you aren't authorized to sign.

We can suspend an account that's actively causing harm — a security threat, a legal demand, or non-payment. Where we reasonably can, we'll tell you first and give you a chance to fix it.

6. AI features

Appraisio uses third-party AI models for two things: filling form fields from your notes, dictation, and documents; and mapping the column headers of an MLS export to our market-analysis fields. What reaches them, and on what terms, is set out in our Privacy Policy.

Three things you should hold onto:

AI output is a draft. It can be confidently wrong. Every field it produces is yours to verify before it goes into a report.
We retain nothing from those exchanges. Not your prompts, not the responses. We log the appraisal ID, which model ran, and token counts.
AI does not make you compliant. It doesn't perform your scope of work, doesn't verify your comparables, and doesn't satisfy any part of USPAP on your behalf.

We may change AI providers at any time and without notice to you, including to a different company's model, as models improve and prices move. We don't name individual AI providers in the Privacy Policy for that reason. What that page does commit to — the categories of information sent, the purpose it's used for, and the fact that we retain none of it — doesn't change when the provider does. If a change would mean a new category of your data goes to an AI provider, or is used for a new purpose, we'll update the Privacy Policy and tell you before it takes effect.

7. Third-party services

The Service depends on vendors — hosting, storage, authentication, payments, property data, mapping, email. They're listed in the Privacy Policy. Some features also connect to services you bring, like an MLS export. We're not responsible for third-party services' accuracy or availability, and property data we surface from them is a research aid you still have to verify.

8. Plans, billing, and refunds

Paid plans are sold on our website and billed through Stripe. Purchases are not offered inside the iOS app; you can view and manage an existing subscription there.

Auto-renewal. Subscriptions renew automatically each period until cancelled.
Cancel anytime. Cancel from Settings. You keep full access through the end of the period you've already paid for.
No refunds. We don't refund partial periods or unused time. Cancelling stops the next charge; it doesn't reverse the last one. Where a refund is required by law, the law wins.
Price changes. We'll give you at least 30 days' notice before a price increase takes effect on your plan. If you don't want it, cancel before it applies.
Taxes are yours, except taxes on our income.
Failed payment. If a charge fails we'll retry and let you know. If it stays unpaid, your account moves into the read-only state described in Section 9.

9. Cancellation, termination, and your data afterward

You can cancel or delete at any time. Two different things, deliberately:

Cancelling ends billing. Your account then becomes read-only for 90 days — you can sign in, open past reports, and export your files, but not create new work. After 90 days we delete your data. We chose 90 rather than 30 because appraisers have recordkeeping duties and shouldn't lose access to old files on a short clock.
Deleting your account (Settings → Account → Delete account) is immediate and permanent. It removes your appraisals, files, photos, sketches, templates, saved comparables, signatures, and login, and cancels any active subscription. We can't undo it, so export first.

We keep billing records after either, for as long as tax and accounting law requires.

Export your work before you go. The Service can produce PDF and MISMO/UAD XML for your reports. Don't rely on us as your system of record for USPAP retention — keep your own copies.

We may terminate or suspend your account for a material breach of these Terms. If we terminate for a reason other than your breach, we'll refund the unused portion of what you've prepaid.

10. Our intellectual property

The Service itself — the software, interface, brand, and documentation — belongs to us and our licensors. These Terms give you a limited, non-exclusive, non-transferable right to use it while your account is in good standing. We reserve everything not expressly granted.

Appraisal forms, UAD specifications, and MISMO standards belong to their respective owners. Our implementation of them is ours; the standards are not.

11. Feedback

Tell us what's broken and what you wish it did — we want that. If you send us ideas or suggestions, we may use them without obligation or payment to you. We're not claiming any rights in your appraisal content by this; Section 4 governs that, and it wins if the two ever seem to conflict.

12. Disclaimers

The Service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade.

We don't warrant that the Service will be uninterrupted, error-free, or secure against every threat, or that data from third-party sources is accurate or current. We do not offer a service-level agreement, and we don't guarantee that any report the Service produces will be accepted by any lender, GSE, AMC, or regulator — acceptance depends on your work and their requirements, not on our software alone.

Nothing here disclaims liability that can't be disclaimed under applicable law.

13. Limitation of liability

To the fullest extent permitted by law:

Neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost business, or lost or corrupted data, even if told such damages were possible.
Our total liability for all claims arising out of or relating to these Terms or the Service is capped at the amount you paid us in the 12 months before the event giving rise to the claim. If you haven't paid us anything, our liability is capped at $100.

These limits apply regardless of the theory of liability and even if a limited remedy fails its essential purpose. They don't apply to your payment obligations, to either party's indemnity obligations, or to liability the law doesn't allow us to limit — including fraud, willful misconduct, and, where applicable, gross negligence.

Why this matters here: appraisal work carries professional liability that sits with you and your E&O coverage. This software is a tool you use to do that work. Please don't treat these caps as a surprise — carry the insurance your license and your clients require.

14. Indemnity

You'll defend and indemnify us against third-party claims arising from your content, your use of the Service, your breach of these Terms, or your violation of law or professional standards — including claims by your clients, borrowers, lenders, or property owners about an appraisal you produced.

We'll defend and indemnify you against third-party claims that the Service, as we provide it, infringes a US patent, copyright, or trademark. That doesn't cover claims arising from your content, from combining the Service with something we didn't supply, or from use in breach of these Terms.

Whoever is indemnifying gets to control the defense; the other side gives prompt notice and reasonable cooperation, and neither settles in a way that admits the other's fault without consent.

15. Changes

To the Service. We improve the product continuously, and occasionally we'll retire something. If we remove a feature you materially rely on, we'll give reasonable notice.

To these Terms. We may update these Terms. If a change is material, we'll email you or tell you in the app at least 30 days before it takes effect. Continued use after that means you accept it; if you don't, cancel before it applies. The "last updated" date above always reflects the current version.

16. Disputes

Let's talk first. Almost everything gets solved by an email. Before starting formal proceedings, send a description of the dispute to support@appraisio.ai and give us 30 days to work it out. We'll do the same for you.

Arbitration. If that doesn't resolve it, disputes arising out of or relating to these Terms or the Service will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, applying Delaware law.

It's remote by default. Arbitration will be conducted by videoconference or on written submissions unless both sides agree otherwise, so neither of us has to travel to the other's state.
Small claims stays open. Either of us can bring an individual claim in small claims court instead, in the claimant's own jurisdiction, if it qualifies.
Injunctions stay open. Either of us can go to court for temporary relief to protect intellectual property or stop unauthorized access.
You can opt out. Email support@appraisio.ai with the subject "Arbitration Opt-Out" within 30 days of first accepting these Terms, and this arbitration section won't apply to you. Opting out costs you nothing else — your account and pricing are unaffected.

If the arbitration provision is found unenforceable for a particular dispute, that dispute goes to the courts described in Section 17.

17. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules, and without application of the UN Convention on Contracts for the International Sale of Goods. For any dispute not resolved by arbitration, the state and federal courts located in Delaware have jurisdiction, and both of us consent to that.

Nothing here deprives you of the protection of mandatory consumer laws in your home jurisdiction where those apply.

18. General

Assignment. You can't assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
Entire agreement. These Terms, plus the Privacy Policy and Cookie Policy, are the whole agreement between us on this subject and replace anything earlier.
Severability. If a provision is unenforceable, the rest stays in force and that provision is narrowed to the minimum extent needed.
No waiver. Not enforcing something once doesn't waive it later.
Force majeure. Neither of us is liable for delays caused by events outside our reasonable control.
Notices. We'll reach you at the email on your account; reach us at support@appraisio.ai. Keep your email current — it's how we send the notices this agreement promises.
Independent parties. No partnership, joint venture, employment, or agency is created here.
Survival. Sections 4, 10, and 12 through 18 survive termination.

19. Contact

Questions about these Terms: support@appraisio.ai.

Appraisio, LLC — a Delaware limited liability company.